Position Title Sr. Credit Products Specialist - Oil & Gas Location Work From Home TX, TX 73301 Job Summary JOB SUMMARY The Senior Credit Products Specialist - Oil & Gas is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships. This role influences credit strategy by providing deep market insights, proactive risk identification, and innovative deal structuring solutions. With extensive experience in credit analysis and portfolio management, this position ensures long-term portfolio health while supporting the bank’s growth objectives. Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management. The anticipated pay range for this role will be: $123,524 - $198,417 Job Responsibilities: JOB RESPONSIBILITIES - Complex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs with the assigned specialized vertical or region. - Portfolio Strategy & Risk Oversight: Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality. - Client & Executive Leadership Engagement: Serve as a strategic partner to sales and senior leadership, offering expertise in credit negotiations and deal execution. - Credit Agreement Negotiation: Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements. - Team Leadership & Mentorship: Mentor junior credit professionals, providing training and leadership in credit risk best practices. Proactively identifies and raises to senior leadership improvement areas in credit processes and procedures. - Uses independent judgement and discretion to make decisions regarding assigned portfolio - Analyzes and resolves problems pertaining to the assigned portfolio. ADDITIONAL ACCOUNTABILITIES - Performs special projects, and additional duties and responsibilities as required. - Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations. JOB REQUIREMENTS Required Qualifications: - Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience - Minimum experience required: 8+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis - 8+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.) - Deep expertise in structuring and negotiating complex credit agreements. - Strong leadership skills with the ability to influence credit strategy and policy. - In-depth understanding of macroeconomic factors and their impact on credit risk. - Proven ability to manage large portfolios and advise senior executives. - Exceptional communication and stakeholder management skills. - As relevant for the supported line of business, well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients. Preferred Qualifications: - Education level preferred: Master's Degree (or Postgraduate equivalent) MBA or CFA preferred. Job Competencies: - Strategic Credit Expertise: Deep knowledge of complex commercial lending structures, industry trends, and economic factors impacting credit risk. - High-Level Risk Oversight: Ability to assess portfolio risk at a macro level, identifying patterns and trends that inform credit strategy. - Client & Executive Engagement: Strong ability to interact with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements. - Deal Structuring & Negotiation: Expertise in negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements. - Leadership & Mentorship: Serves as a mentor to junior credit professionals, developing talent and fostering a strong credit culture. - Change Management & Innovation: Identifies opportunities for process improvement, technology adoption, and best practice implementation. - Regulatory & Policy Knowledge: Deep understanding of credit policies, compliance standards, and legal considerations in lending. - Executive-Level Communication: Ability to articulate complex credit decisions clearly and persuasively to internal and external stakeholders. - Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results. - Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience. - Physical demands (ADA): No unusual physical exertion is involved. Flagstar is an Equal Opportunity Employer Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank

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.