Role Description The Jr. 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 Jr. Underwriter is to review all documentation (Capacity, Credit, Cash, Collateral) to ensure that it meets investor guidelines for resale in the secondary market. The Underwriter will underwrite and clear all conditions for Conventional loans. A thorough knowledge of FNMA and FHLMC standards is required. - Examine loan documentation to ensure accuracy, completeness, and compliance with Conventional 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 with agency guidelines and requirements - Distribute Approval Notifications and Update 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 partners, process and closer Qualifications - 2 to 4 years of mortgage underwriting in a retail or wholesale environment - Detailed knowledge of FNMA/FHLMC products - MBA certification preferred - Ability to work independently, must have strong time management and organizational skills - Excellent customer service skills - Always exhibit professional written and verbal communication - Strong attention to detail, problem-solving, and resolution skills - Able to maintain high productivity and quality - Ability to demonstrate a high degree of business professional behaviors, including punctuality, attendance, responsiveness, and dependability Company Description

Company Overview FOCUS provides cloud-based, core administration solutions (FOCUS Tech) and services (FOCUS Insurance Services) for P&C insurance companies and MGAs. Using decades of industry experience, FOCUS is taking the risk out of insurtech for small, mid-size, and growth-focused insurance organizations. When you join FOCUS, you immediately become one of our most valued components – and we’re committed to investing in you. That means you can look beyond the paycheck and excellent benefits to an environment that will help you grow and achieve your professional goals through development and advancement opportunities and the support of our outstanding leaders and teammates. Position Summary The Underwriter I– Commercial Lines is responsible for providing high-level service and underwriting support for a portfolio of small to mid-sized commercial accounts, including select high-profile or complex cases. Core responsibilities include processing policy transactions with underwriting authority, managing endorsement requests, handling certificates of insurance, responding to service inquiries, proactively identifying cross-sell opportunities, and serving as a resource to peers. This role emphasizes technical accuracy, strong communication skills, and a proactive, team-focused approach in delivering exceptional client service. Key Responsibilities: - Underwrite and process commercial lines endorsements within assigned authority levels, ensuring compliance with underwriting guidelines. - Review and manage complex and high-profile accounts, demonstrating advanced knowledge of commercial coverages and risk evaluation. - Issue accurate and timely certificates of insurance and endorsements in accordance with client-specific and regulatory requirements. - Provide expert-level service by responding to policyholder and agent inquiries via phone and email, with attention to detail and resolution follow-through. - Manage workflow from tasks indexed via email and phone calls, maintaining a timely and organized approach to documentation and follow-up. - Support proactive policy renewals by reviewing account history and identifying opportunities to adjust coverage or add value. - Collaborate with cross-functional teams to identify and act on opportunities for cross-selling additional lines of coverage. - Take a lead role in assisting and mentoring peers, offering training support, process clarification, and sharing of best practices as needed. - Serve as a go-to resource for escalated service issues, demonstrating sound judgment and customer-centric problem-solving. - Support quality control initiatives by identifying process inefficiencies, recommending improvements, and assisting with audits when required. - Actively contribute to maintaining client satisfaction scores and service level agreements (SLAs). Required Skills & Qualifications: - Active Property & Casualty Insurance License required; must be able to obtain licensing in all 50 states. - Comprehensive understanding of commercial lines insurance products and risk assessment. - Proven ability to handle more complex or high-exposure accounts with minimal supervision. - Strong verbal and written communication skills with a customer-first mindset. - High degree of accuracy and attention to detail in processing and documentation. - Proficient in agency management systems (e.g., EZLynx) and CRM platforms. - Able to lead by example and provide informal peer coaching and support. Education & Experience: - Associate or bachelor’s degree preferred. - 3–5 years of experience in commercial lines underwriting or servicing with increasing responsibility. - Previous experience working on mid-sized to complex commercial accounts highly desirable. - Call center or high-volume service environment experience is a plus. Work Environment & Physical Requirements: - Remote work schedule, with flexibility to support extended hours up to 8:00 PM ET. - Requires prolonged periods of sitting and use of a computer. - Occasional lifting of up to 10 lbs. - Frequent phone communication with agents and policyholders; ability to manage multiple systems and inquiries simultaneously. Disclaimer: This job description is not intended to be an exhaustive list of duties or responsibilities. Duties and responsibilities may change with or without notice based on business needs. Why join the FOCUS Team? The FOCUS Difference: - Medical, Dental, Vision, Life, Pet; Flexible Spending Account - Competitive Salaries - 401K Match - Work-Life Balance: Personal Days, PTO Days, 12 Paid Holidays, Two Paid Days for Volunteer Service, Paid Parental Leave - Short and Long-Term Disability - Employee Support Programs, Including Mental Health - Tuition Reimbursement - Matching Charitable Gift Program - Lucrative Referral Program - Commuter Benefits - Flexibility: Remote and Hybrid Opportunities Available This position is not able to be performed in California, Colorado, New York or Washington. EEO Team Focus Insurance Group is an equal opportunity employer that does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, veteran status, marital status, or any other protected characteristic. Our hiring practices ensure that all qualified applicants receive fair consideration without regard to these characteristics. Disability Team Focus Insurance Group is committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities. If you require reasonable accommodations to participate in the application or interview process, please contact our HR department at hrinfo@peak6insurtech.com. We will work with you to provide the necessary accommodations to ensure your full participation in our hiring process. Note to applicant: It is unlawful in Massachusetts and Maryland to require or administer a lie detector test as a condition of employment or continued employment. Please know that our company does not use lie detector tests in our hiring process.

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.