Role Description The Underwriter is responsible for evaluating a loan application for creditworthiness and determining if the loan is an acceptable risk for Ross Mortgage. The duty of the Sr. Underwriter is to review all documentation (Capacity, Credit, Cash, Collateral) to ensure that it meets investor guidelines for resale in the secondary market. - Underwrite and clear all conditions for Conventional, FHA, VA, State Bond, Renovation, and USDA loans. - Examine loan documentation to ensure accuracy, completeness, and compliance with Conventional, FHA, VA, and USDA standards. - Review assets, collateral, credit, income, etc.; ensure loans meet agency, company and investor standards for sale into the secondary market. - Remain up to date on changes in agency guidelines and requirements. - Distribute Approval Notifications and Update Loan Approval Status to the branches. - Ensure compliance with applicable federal, state, and local laws and regulations. - Maintain Purchase and Refinance turn times for initial and subsequent file reviews. - Communicate with the Underwriting Manager to advise of any underwriting issues with a solution-based approach. - Work with post-closing to resolve any funding delays. - Communicate with Sales, Loan Partner, Processor, and Closers. - Ability to work independently, must have strong time management and organizational skills. - Exhibit excellent customer service skills. - Always maintain professional written and verbal communication. - Strong attention to detail, problem-solving, and resolution skills. - Able to maintain high productivity and quality. - Demonstrate a high degree of business professional behaviors, including punctuality, attendance, responsiveness, and dependability. - Position has the potential to work from the corporate office or from home. Qualifications - 5-10 years of mortgage underwriting in a retail or wholesale environment. - Detailed knowledge of FNMA/FHLMC, FHA, VA, USDA, Renovation, and State Bond products. - FHA Direct Endorsement certification required. - VA Automatic Underwriting authority and SAR designation required. - Associate or bachelor’s degree or MBA certification preferred.

Role Description Provides highly skilled professional assistance in the processing of residential mortgage loans. Identifies and analyzes all required documentation required to facilitate mortgage loan approvals from Mortgage investors and underwriters. Able to accurately spread and calculate self-employed income from tax returns including personal, corporate or business returns. Ensures that all credit packages meet quality standards for completeness, accuracy and timelines established for the loan type. Prepares the loan file for submission to underwriting and includes required documentation and figures for the mortgage loan closer to prepare the required closing disclosure. Ensures that all credit packages comply with regulatory requirements and corporate guidelines. Supports and upholds credit policy and all Federal and State Lending Regulations. Will assist and actively participate in training a Mortgage Loan Assistant if one has been assigned. Duties and Responsibilities - Solid knowledge of FNMA, FHLMC, FHA, USDA, and VA. - Knowledge of State sponsored down-payment and other assistance programs. - Basic PC knowledge and skills, basic math ability, basic accounting and bookkeeping skills. - Ability to use a financial calculator. - Must be detail oriented and possess solid organizational and time management skills. - Must be able to work independently and handle multiple priorities under pressure of deadline and time restraints. - Promotes teamwork within the department and other departments. - Reviews file when received and orders all appropriate documents including credit report updates, title work, appraisal, final inspections, hazard insurance, flood certification and flood insurance if required. - Ensures that all hazard insurance and flood insurance meets investor requirements prior to the loan closing. - Ensures accuracy by reviewing and analyzing all aspects of the mortgage credit package including but not limited to: - Accuracy of file input - Timely delivery of required application disclosures - Title policy - Assets and asset documentation - Income figures and income documentation including personal and corporate tax returns - Credit report/credit documentation - Appraisal review - Successfully documents mortgage loan file within Encompass processing system as required. - Completion of required tracking fields are to be completed prior to submission to underwriting. - Ensures legal/regulatory procedures are followed and compliance practices meet all Federal and State standards with a strong emphasis and understanding of HMDA and TRID. - Ability to run appropriate AUS on each file, verify and validate AUS findings and document file accordingly. - Able to interface effectively and professionally with applicants/borrowers, realtors, builders, appraisers, title companies and others in department to ensure efficient and timely workflow and perform related duties as required. - Provide quality customer service by answering questions for external and internal customers in a timely and professional manner. - Prepares a complete and concise loan file with timely submission to underwriting and closing in order to meet scheduled contract or other predetermined deadlines. - Ensures that all conditions have or will be met prior to providing the file to the closing department for preparation of closing documents. - Maintains and enhances personal knowledge of products and services as well as the laws, regulation and internal policies and procedures appropriate to the position. - Identifies problems and develops procedures to resolve or correct the situation; monitors and measures the results. - Provides excellent customer service and solves customer related problems quickly. - Provides appropriate documentation to closing department for payment of file related expenses. - Promptly forwards all bills/invoices, etc. for approval and payment. - Ability to incur expenses is limited to the costs necessitated during the processing of the loan. Qualifications - High School Diploma and commitment to continuing job related course work. - Minimum of 3 years of mortgage processing experience with extensive knowledge of FNMA, FHLMC, FHA, USDA and VA. - Knowledge and experience with State sponsored down payment and other assistance programs and other specific loan programs. - Proficient in Microsoft Word, Windows, use of the Internet and Encompass loan processing system. - Knowledge of loan documentation policies and mortgage lending regulations. - Attention to detail and accuracy. - Excellent customer service skills with strong verbal and written communication skills. - Projects a professional image and collaborates with others in department to accomplish goals and demanding deadlines. - This position can work remotely from any state that Central Bank operates in, including Missouri, Kansas, and Oklahoma.

Shape Your Future With Us General Re Corporation, a subsidiary of Berkshire Hathaway Inc., is a holding company for global reinsurance and related operations, with more than 2,000 employees worldwide. It owns General Reinsurance Corporation and General Reinsurance AG, which conducts business as Gen Re.Gen Re delivers reinsurance solutions to the Life/Health and Property/Casualty insurance industries. Represented in all major reinsurance markets through a network of 38 offices, we have earned superior financial strength ratings from each of the major rating agencies. Gen Re currently offers an excellent opportunity for a Senior Underwriter - Individual Life to work remotely based out of our Stamford, CT office. Role Description The Individual Life Facultative Underwriting team is seeking a Senior Underwriter to join us in a fully remote capacity. In this role, the expectation is to deliver accurate assessments of medical and financial risk while providing a best-in-class customer experience. The successful candidate will contribute to a high-performing team that provides critical, value-added services to top-tier clients, while supporting innovation and excellence in underwriting practices. Responsibilities - Evaluate complex life insurance risks by assessing medical, non-medical, and financial factors to determine optimal risk classification for facultative cases. - Drive underwriting excellence by consistently applying Gen Re and client criteria aligned with pricing and productivity goals. - Deliver proactive client support, offering tailored solutions and flagging potential challenges to management. Provide exceptional service that positions Gen Re as a leader in underwriting and helps attract and retain top-tier clients. Engage with clients to understand their evolving needs and industry trends. Become a trusted expert in client procedures and service expectations. - Commit to continuous learning by staying ahead of medical advancements, participating in Gen Re’s Q&A sessions, and attending internal and external training seminars. - Contribute cross-functionally to drive enhancements, participating in committees, sharing ideas and contributing to strategic initiatives that elevate our underwriting capabilities. Support key UW initiatives as needed, contributing to process improvements and operational excellence. Role Qualifications and Experience - 2+ years of individual life reinsurance underwriting experience preferred. - Direct company, brokerage underwriting experience will be considered, as well as strong medical underwriting/impaired risk skills from a non-brokerage environment. - Demonstrated ability to underwrite business that entails highly substandard multi-impairment type cases in a fast-paced underwriting environment. - Exceptional attention to detail, ability to organize and present complex scenarios and skill to apply an appropriate mortality rating independently, and in collaboration with Underwriting Management and Medical staff. - Ability to think critically, problem solve using data to drive toward resolution. - Strong client facing skills - ability to interact with clients and prospects effectively and be a good ambassador to positively influence future opportunities. - Excellent written and oral communication skills with the ability to clearly convey technical concepts to clients, prospects, management, and other functional areas. - Proven track record of underwriting performance exceeding organizational or industry benchmarks. - Excellent analytical skills—ability to detect inconsistencies and gaps in applications - Self-motivated and disciplined to thrive in a remote work environment. - Up-to-date knowledge of industry trends and regulatory changes. - EKG reading ability a plus. - Proficiency with the Microsoft Office suite of products, including Excel. - Demonstrated commitment to professional development—FALU, FLMI, CLU, or ChFC coursework is highly valued. - Bachelor’s degree preferred - not required. Salary Range 91,000.00 - 152,000.00 USD The annual base salary range posted represents a broad range of salaries around the US and is subject to many factors including but not limited to credentials, education, experience, geographic location, job responsibilities, performance, skills and/or training. Our Corporate Headquarters Address General Reinsurance Corporation400 Atlantic Street, 9th FloorStamford, CT 06901 (US) At General Re Corporation, we celebrate diversity and are committed to creating an inclusive environment for all employees. It is the General Re Corporation's continuing policy to afford equal employment opportunity to all employees and applicants for employment without regard to race, color, sex (including childbirth or related medical conditions), religion, national origin or ancestry, age, past or present disability , marital status, liability for service in the armed forces, veterans' status, citizenship, sexual orientation, gender identity, or any other characteristic protected by applicable law. In addition, Gen Re provides reasonable accommodation for qualified individuals with disabilities in accordance with the Americans with Disabilities Act.

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. **Candidates that exceed the minimum qualifications may be considered for a higher level position.** **This position can be performed remotely for candidates who reside in Illinois.** Essential Functions: - Selects, grows, and maintains a profitable book of business for assigned territory within underwriting authority. - Evaluates complex accounts, such as different business operations, multiple lines of business or special pricing requirements, for risk selection and pricing purposes. - Analyzes exposure, company and branch risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from premium audit or risk improvement and other relevant information to underwrite policies. - Offers appropriate coverage for exposures. - Maintains proper file documentation in connection with accounts. - Develops and fosters agency relationships. - Educates agents on EMC products, underwriting appetite, systems, and services. - Visits agencies to discuss accounts and provide agents with updates at EMC. - Communicates with agents proactively. Identifies opportunities and potential barriers within agency relationships. - Collaborates with marketing representatives to ensure agents receive excellent customer experiences, responsiveness, and select EMC as their insurer of choice. - Effectively explains decisions to accept or reject a risk to agents. - Coordinates with marketing and branch management in the agency planning and review processes. - Monitors progress of assigned agents and guides agents in achieving annual goals. - Seeks feedback from agents and takes action to improve their experience and grow strong books of business. - Researches industry changes, competition, target markets and new products. - Answers questions, shares recommendations for complex situations and explains rationale for recommendations for less experienced underwriters. Education & Experience: - Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience - Three years of experience in commercial lines underwriting - Insurance designations, such as CPCU preferred Knowledge, Skills & Abilities: - Strong knowledge of underwriting and risk analysis - Excellent problem-solving skills and the ability to make sound decisions - Ability to work effectively with others, as well as independently - Ability to maintain high standards of professional competence - Strong customer service skills - Strong computer skills, including knowledge of Microsoft Office and social media - Ability to work on multiple projects while meeting deadlines - Ability to effectively communicate products, procedures, business planning and system information necessary to positively influence production within assigned territory - Strong written and verbal communication skills, including the ability to speak in front of others - Strong presentation skills preferred - Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling The hiring salary range for this position will vary based on geographic location, falling within either of the following: $78,726 - $108,771 or $87,008 - $119,646A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs. For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers. Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws. All of our locations are tobacco free including in company vehicles.