Mutual of Omaha is a Fortune 300 Company with an iconic brand and outstanding customer loyalty. Mutual of Omaha Mortgage is inspired by hometown values and a commitment to being responsible and caring for each other. We exist for the benefit of our customers and employees. Mutual of Omaha Mortgage is a full-service lending company offering both Forward and Reverse Mortgage products including a complete line of residential mortgage, refinancing, specialty, and HECM loans. We employ a knowledgeable staff of experienced Loan Officers with an operations team that is second to none. If you are interested in joining a team that promotes from within and works together toward a common goal of helping customers with their mortgage needs, please review and apply for our opening below! Prior Reverse Mortgage Experience is required. Duties and Responsibilities: - Effectively manage and process a full pipeline of mortgage loan files - Evaluate loan files for regulatory compliance and completeness - Accurately review and input pertinent loan data into operational systems - Order supplementary vendor products, such as title reports and property appraisals - Obtain required underwriting conditions from loan officer and/or loan applicant(s) - Utilize FHA Connection to update loan data as needed - Communicate pipeline and file status to retail sales channels and management - Work closely with all operational departments to establish productive and efficient workflows - Complete required checklists and worksheets Experience and Education: - Minimum 2 years in reverse mortgage loan processing required - Bachelor’s degree preferred, but not required - Excellent computer skills with the ability to learn new systems - Knowledge of MS Office products - Strong customer service and time management skills a must - Highly motivated and determined to succeed in a competitive, time sensitive industry The hourly rate for this position is $24-30 per hour. Mutual of Omaha Mortgage is an Equal Opportunity Employer, and we encourage diverse, talented, qualified applicants to apply. We offer an extensive compensation package. Benefits include: - Vacation — Vacation hours accrue on a per pay period basis. Balance maximums are based on years of service. - Paid Sick Time — 40 hours of paid sick time after 90 days of employment. State sick time requirements will be added as needed. - 9 Paid Holidays + 1 Cultural Celebration Day (Floating Holiday) - Multiple PPO Medical Plans, as well as HDHP eligible plan. - Dental Coverage - Vision Coverage - Company Paid Life Insurance - 401K with a generous employer match - Additional Benefits including – Optional Life, FSA, Pet Insurance etc. - Free Legal Services - Employee Loan Program - 100% Remote

JOB TITLE: Consumer Credit Analyst II DEPARTMENT: Dealer Services Ops STATUS: Non-Exempt JOB CODE: 1812 PAY SCALE: $30.76 - $33.00 Hourly GENERAL DESCRIPTION: Consumer Credit Analyst II - NLA is responsible for reviewing, analyzing and evaluating simple to complex secured and unsecured consumer loan applications and based on their judgment approve, modify or deny consistent with credit union guidelines. Consumer Credit Analyst II - NLA must clearly document and communicate the reasoning for the decision. Maintain and strengthen relationships with members, and internal and external originators. Maintain a thorough understanding of the credit union’s underwriting standards, risk philosophy, credit culture and market conditions. TASKS, DUTIES, FUNCTIONS: - Review, analyze, and evaluate loan applications based on established credit union policies and apply knowledge of underwriting procedures loan authority to approve counter or deny consumer loan applications by: - Evaluating and ensuring that the transaction is accurate, complete and compliant. - Reviewing required documentation for accuracy and truthfulness. - Applying fraud detection and prevention techniques. - Performing paystub and basic tax return analysis to determine ability to repay. - Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance- including bank secrecy, anti-money laundering, Fair Lending and Truth in lending laws appropriate to the position. - Review credit reports and intemperate the data along with the analysis of key lending ratios to determine capacity, credit utilization, and Loan to Value. - Responsible for receiving and initiating phone inquiries and must communicate and interact with originator and external business partners to provide information or reasoning regarding loan decision. - Effectively address and resolve all complaints or issues raised by members, internal staff and business partners. - Gather information and perform analysis as requested to help prepare reports as directed. - Assist with training originators regarding lending policies, process or procedures, and in administering lending promotional campaigns. - Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending. - Train personnel on lending policies and procedures. - Perform upgrade validations pertaining to lending systems. - Assist with other Lending duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: - Effective oral and written communication skills required to interact with staff, and members to perform constructive follow up on member loan requests, inquiries, and concerns. - Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. - Ability to work required hours which may include weekend shifts and work hours after 6:00 p.m. - Some travel may be required. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: - INTERNAL: Management group and all levels of staff. - EXTERNAL: Members and external originators. QUALIFICATIONS: - EDUCATION: Successful completion of High School curriculum is required. Associates degree is preferred. - EXPERIENCE: 4-7 years in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions or 5+ years in loan processing. - KNOWLEDGE/SKILLS: - Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts. - Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations. - Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting. - Solid interpersonal, oral and written communication skills. - Knowledge of credit analysis and reporting. - Possess a high degree of integrity to use judgment to make appropriate and fair lending decisions on behalf of the credit union. - Comprehensive understanding of both branch and indirect credit union lending policies. - Ability to sell and promote product lines, and back up lending decisions in a way that enhance originator relationships. - Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations. - Stay up to date on changes within the department, organization, industry and current market conditions. - Strong understanding of assigned territory lending market conditions and collateral values. - Must work well in a fast-paced and flexible production oriented department. - Analytical skills to include reviewing and understanding complex paystub and tax return documents. PHYSICAL REQUIREMENTS: - Prolonged sitting throughout the workday with occasional mobility required. - Corrected vision within the normal range. - Hearing within normal range. A device to enhance hearing will be provided if needed. - Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. - Must be flexible with scheduling, including evenings, weekends, and holidays. LICENSES/CERTIFICATIONS: None #LI-Remote REV. 5/16/2023

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture. Hanover’s Retail Excess & Surplus (E&S) division is seeking an Underwriting Specialist, Specialty. The successful candidate will be production-oriented, collaborative, and skilled in cultivating and maintaining effective agency partnerships. At The Hanover, we recognize that the way we work continues to evolve. We are reimagining the workplace by offering flexible work arrangements. This role may be hybrid or fully remote and can be based anywhere in the United States, with the ability to travel as needed for meetings and client engagements. The Hanover is a diverse and inclusive organization committed to attracting, developing, and retaining top talent. We encourage all qualified professionals to apply and believe that a diverse, equitable, and inclusive workplace strengthens our organization and the communities we serve. The actual job title and level may be flexible dependent on candidate qualifications and experience (Senior Underwriting Specialist). POSITION OVERVIEW: Hanover Retail E&S is seeking to add an Excess and Surplus Lines (E&S) Underwriting Specialist, Specialty to its growing Team. Hanover Retail E&S transacts business with appointed retail trading partners, and the position will be responsible for reviewing new and renewal mono-line commercial general liability and supported excess liability risks, monoline property and package lines of excess & surplus business to determine acceptability for quoting and binding business within the underwriting authority granted by the Company. This position is a market facing role with frequent interaction with appointed retail trading partners. This position requires strong communication, negotiation, relationship development, and analytical skills to transact business within the fast-paced E&S environment. We are seeking an experienced E&S professional with a high technical acumen; collaborative spirit, and a strong underwriting skill set; basic property underwriting experience would be a plus. This position works in a team environment and will collaborate to underwrite and service accounts for our appointed retail trading partners. Business development activities include close collaboration with other internal business units in developing agency relationships, strategies, account coordination, executing on sales and marketing activities that demonstrate and support a strong customer focus that ultimately reinforces Hanover Retail E&S appetite and strategy. THIS IS A FULL-TIME, EXEMPT ROLE. IN THIS ROLE YOU WILL: Technical Underwriting: - Knows and applies underwriting concepts including risk selection, exposure and hazard identification and control, coverage implications, and loss analysis. - Uses all appropriate underwriting tools, disciplines and strategies to ensure underwriting guidelines are followed. - Understands pricing components and rating methodology and correlates pricing to exposures. - When presented with minimal information on a risk, instinctively knows the key questions to ask to ascertain the full scope of operations and the key exposures and needed controls. - Completes file documentation according to best practices guidelines and can clearly explain account decisions. - Provides clear and concise rating instructions for quotes prior to generating proposal for presentation to the agent. Portfolio Management & Financial Acumen: - Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, product mix, new business, and portfolio management goals, by use of proven pipeline and marketing practices. - Developing an understanding of various financial reporting information and insurance performance measures in the management of risk. - Demonstrates an understanding of the market factors that can affect pricing and how it correlates to individuals book, agency’s book, the region, and countrywide. - Prepares or analyzes information on underwriting decisions, rate, underwriting requirements, company appetite, status, and declinations to drive results within the assigned territory. - Familiarizes oneself with other Hanover departments for leveraging growth in areas of business where portfolio could be more balanced. Sales Management: - Can identify, solicit, pipeline, negotiate, and close accounts aligned with business strategy. Ability to profile assigned agency plant and to strategically market our capabilities to agents. - Keeps current on state/territory issues, regulations, and trends. - Utilizes market and competitor information to enhance relationships and individual account decision making. - Prioritizes and develops effective relationship management and producer activities to build trust, facilitate negotiation, and secure commitment in order to improve yield and retention ratios. - Operates with a franchise perspective to identify additional sell opportunities to create growth within other LOB’s and customer segments. - Partners with other business units to deliver comprehensive insurance solutions • Demonstrates in-depth knowledge of Hanover’s products and appetite while clearly communicating Hanover’s position at the point of sale. Builds and maintains rigorous sales practices using all systems, sales tools and disciplines outlined in the sales’ best practices. - Makes presentations to agents and customers. Utilize department and Specialty partners to augment sales process. Effectively utilize Claims and Loss Control to display service and/or technical expertise with present and future customers. WHAT YOU NEED TO APPLY: - Bachelor’s Degree or equivalent experience. - Generally, 4-7+ years Specialty or standard commercial lines experience. - 3-4+ years’ experience driving agency relationships resulting in profitable new and renewal business as well as complex accounts. - Demonstrates ability to adapt quickly to change, identify, analyze, and solve problems and willingness to being open to new and different ways of thinking. - Communication - ability to effectively interact and communicate with all levels of external and/or internal business partners within scope of responsibility, team, and/or matrix environment. Demonstrating ability to consult with internal and external parties on underwriting matters. - Judgment and Decision Making - Ability to exercise judgment, negotiate and make sound business decisions effectively based on level of authority. Demonstrates confidence in own abilities and is comfortable taking informed risk. - Agile and Adaptive - Strong ability to identify, analyze and solve problems as well as the ability to learn rapidly, adapt quickly to change, exercise influence, and manage and prioritize multiple concurrent projects. - Teamwork and Collaboration - Openly encourages other team members to share ideas and voice concerns. Shows respect for differences and diversity in ideas and views. Involves other team members to achieve optimal performance. - Prioritization and Desk Management - Understands and seeks ways to improve the quality and results of one’s work. Monitors progress against agreed upon timeline and deliverables. Raises awareness if achievement of committed work may be compromised and actively engages in mitigating the situation. CAREER DEVELOPMENT: It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop. BENEFITS: We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed. Benefits include: - Medical, dental, vision, life, and disability insurance - 401K with a company match - Tuition reimbursement - PTO - Company paid holidays - Flexible work arrangements - Cultural Awareness Day in support of IDE - On-site medical/wellness center (Worcester only) - Click here for the full list of Benefits EEO statement: The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.” As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at:HRServices@hanover.com and include the link of the job posting in which you are interested. Privacy Policy: To view our privacy policy and online privacy statement, click here. Applicants who are California residents: To see the types of information we may collect from applicants and employees and how we use it, please click here. Compensation: The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture. Hanover’s Retail Excess & Surplus (E&S) division is seeking an Underwriting Specialist, Specialty. The successful candidate will be production-oriented, collaborative, and skilled in cultivating and maintaining effective agency partnerships. At The Hanover, we recognize that the way we work continues to evolve. We are reimagining the workplace by offering flexible work arrangements. This role may be hybrid or fully remote and can be based anywhere in the United States, with the ability to travel as needed for meetings and client engagements. The Hanover is a diverse and inclusive organization committed to attracting, developing, and retaining top talent. We encourage all qualified professionals to apply and believe that a diverse, equitable, and inclusive workplace strengthens our organization and the communities we serve. The actual job title and level may be flexible dependent on candidate qualifications and experience (Senior Underwriting Specialist). POSITION OVERVIEW: Hanover Retail E&S is seeking to add an Excess and Surplus Lines (E&S) Underwriting Specialist, Specialty to its growing Team. Hanover Retail E&S transacts business with appointed retail trading partners, and the position will be responsible for reviewing new and renewal mono-line commercial general liability and supported excess liability risks, monoline property and package lines of excess & surplus business to determine acceptability for quoting and binding business within the underwriting authority granted by the Company. This position is a market facing role with frequent interaction with appointed retail trading partners. This position requires strong communication, negotiation, relationship development, and analytical skills to transact business within the fast-paced E&S environment. We are seeking an experienced E&S professional with a high technical acumen; collaborative spirit, and a strong underwriting skill set; basic property underwriting experience would be a plus. This position works in a team environment and will collaborate to underwrite and service accounts for our appointed retail trading partners. Business development activities include close collaboration with other internal business units in developing agency relationships, strategies, account coordination, executing on sales and marketing activities that demonstrate and support a strong customer focus that ultimately reinforces Hanover Retail E&S appetite and strategy. THIS IS A FULL-TIME, EXEMPT ROLE. IN THIS ROLE YOU WILL: Technical Underwriting: - Knows and applies underwriting concepts including risk selection, exposure and hazard identification and control, coverage implications, and loss analysis. - Uses all appropriate underwriting tools, disciplines and strategies to ensure underwriting guidelines are followed. - Understands pricing components and rating methodology and correlates pricing to exposures. - When presented with minimal information on a risk, instinctively knows the key questions to ask to ascertain the full scope of operations and the key exposures and needed controls. - Completes file documentation according to best practices guidelines and can clearly explain account decisions. - Provides clear and concise rating instructions for quotes prior to generating proposal for presentation to the agent. Portfolio Management & Financial Acumen: - Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, product mix, new business, and portfolio management goals, by use of proven pipeline and marketing practices. - Developing an understanding of various financial reporting information and insurance performance measures in the management of risk. - Demonstrates an understanding of the market factors that can affect pricing and how it correlates to individuals book, agency’s book, the region, and countrywide. - Prepares or analyzes information on underwriting decisions, rate, underwriting requirements, company appetite, status, and declinations to drive results within the assigned territory. - Familiarizes oneself with other Hanover departments for leveraging growth in areas of business where portfolio could be more balanced. Sales Management: - Can identify, solicit, pipeline, negotiate, and close accounts aligned with business strategy. Ability to profile assigned agency plant and to strategically market our capabilities to agents. - Keeps current on state/territory issues, regulations, and trends. - Utilizes market and competitor information to enhance relationships and individual account decision making. - Prioritizes and develops effective relationship management and producer activities to build trust, facilitate negotiation, and secure commitment in order to improve yield and retention ratios. - Operates with a franchise perspective to identify additional sell opportunities to create growth within other LOB’s and customer segments. - Partners with other business units to deliver comprehensive insurance solutions • Demonstrates in-depth knowledge of Hanover’s products and appetite while clearly communicating Hanover’s position at the point of sale. Builds and maintains rigorous sales practices using all systems, sales tools and disciplines outlined in the sales’ best practices. - Makes presentations to agents and customers. Utilize department and Specialty partners to augment sales process. Effectively utilize Claims and Loss Control to display service and/or technical expertise with present and future customers. WHAT YOU NEED TO APPLY: - Bachelor’s Degree or equivalent experience. - Generally, 4-7+ years Specialty or standard commercial lines experience. - 3-4+ years’ experience driving agency relationships resulting in profitable new and renewal business as well as complex accounts. - Demonstrates ability to adapt quickly to change, identify, analyze, and solve problems and willingness to being open to new and different ways of thinking. - Communication - ability to effectively interact and communicate with all levels of external and/or internal business partners within scope of responsibility, team, and/or matrix environment. Demonstrating ability to consult with internal and external parties on underwriting matters. - Judgment and Decision Making - Ability to exercise judgment, negotiate and make sound business decisions effectively based on level of authority. Demonstrates confidence in own abilities and is comfortable taking informed risk. - Agile and Adaptive - Strong ability to identify, analyze and solve problems as well as the ability to learn rapidly, adapt quickly to change, exercise influence, and manage and prioritize multiple concurrent projects. - Teamwork and Collaboration - Openly encourages other team members to share ideas and voice concerns. Shows respect for differences and diversity in ideas and views. Involves other team members to achieve optimal performance. - Prioritization and Desk Management - Understands and seeks ways to improve the quality and results of one’s work. Monitors progress against agreed upon timeline and deliverables. Raises awareness if achievement of committed work may be compromised and actively engages in mitigating the situation. CAREER DEVELOPMENT: It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop. BENEFITS: We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed. Benefits include: - Medical, dental, vision, life, and disability insurance - 401K with a company match - Tuition reimbursement - PTO - Company paid holidays - Flexible work arrangements - Cultural Awareness Day in support of IDE - On-site medical/wellness center (Worcester only) - Click here for the full list of Benefits EEO statement: The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.” As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at:HRServices@hanover.com and include the link of the job posting in which you are interested. Privacy Policy: To view our privacy policy and online privacy statement, click here. Applicants who are California residents: To see the types of information we may collect from applicants and employees and how we use it, please click here. Compensation: The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.