International Sr. Underwriter, Northeast Position Overview Sr. Underwriter is responsible for underwriting foreign casualty and property accounts. She/he/they works with brokers to develop new business opportunities, then develops marketable rates and coverages based on the account needs and market conditions. This position is responsible for an underwriting territory covering assigned region/ zone and requires the availability to travel to or within the region/ zone for marketing and underwriting meetings. This position is a remote position, and the ideal candidate will be situated in the Northeast or Southeast region. Please Note to be considered for this position, you must be currently located in the Northeast United States, ideal candidate is in NJ/NY. This role is open to remote work. If your location is commutable distance to N2G headquarters in Jersey City, NJ you will be considered a hybrid employee. This Position Is Responsible For ● Profitably producing and underwriting insurance business within the level of authority. ● Negotiating pricing and conditions with brokers, in line with underwriting guidelines ● Liaising with brokers, clients, and carriers as needed and providing superior customer service to brokers and clients ● Assisting others in their function by providing information, backup and other support as required by the nature of the business ● Acting as the primary contact for medium / large size clients ● Participating in the definition of business strategies and budget forecasts by providing information on underwriting trends / results as needed ● Ensuring that underwriting data is accurate, complete and entered into the core management system promptly. ● Complying with all applicable policies and procedures relevant to data entry and to the underwriting function. ● Attending meetings with brokers and clients and taking an active role in putting forward new ideas to meet needs Experience And Skill Requirements ● Bachelor’s degree, or on the job experience ● Preferred majors: risk management and insurance, economics, business, finance, accounting, mathematics ● A minimum of 2 to 5 years' experience underwriting at a Property and Casualty carrier ● Sound knowledge of insurance with specific reference to lines of business underwritten ● Knowledge of the insurance market both at national and international level. ● Availability to travel ● Self-motivated, self-confident; able to work as part of a team and on his/her own initiative. ● Calm, flexible and organized approach to meet business needs. ● Able to prioritize workload and coordinate the work of others. ● Strong verbal and written communication skills ● Capable of independently tracking and completing multiple requests in a dynamic, international environment ● Strong computer technical acumen with expert level knowledge of Microsoft Office ● Experience and relationships with Foreign brokers ● Bi-lingual is a plus Position Salary and Benefits The annual salary for this position ranges from $115,000 to $165,000 depending on actual experience, skillset, and location. In addition to base salary, full-time N2G employees are also eligible for bonus potential. N2G offers a comprehensive benefits plan that includes the following: Paid holidays, flexible discretionary time off, sick, maternity and parental leave plan, vision, dental and medical health plans, employer paid life insurance, 401k with company match, short term and long-term disability, direct deposit, and employee assistance program. Please Note to be considered for this position, you must be currently located in the Northeast United States, ideal candidate is in NJ/NY. This role is open to remote work. If your location is commutable distance to N2G headquarters in Jersey City, NJ you will be considered a hybrid employee.

The Senior Underwriter OR AVP is responsible for underwriting new and renewal medical stop-loss accounts at a profitable level. This role involves managing relationships with producers and customers to ensure alignment with overall company stop-loss goals. The Senior Underwriting position works closely with the other team members in the region and with the sales team to identify business and producers that most closely meet our underwriting acumen. Key Responsibilities: - Evaluate risk for in-force business and new business prospects. Make decisions to quote or decline to quote and develop premium rates in accordance with underwriting guidelines and authority limits. - Develop and communicate new business or renewal rate recommendations and decisions in line with underwriting authority limits. - Prepare and generate correspondence, proposals, and other reports as needed. - Provide detailed explanations to Skyward A&H clients regarding conditions and requirements of quotes, rating decisions, and other information to support the sale of new and renewal business. - Coordinate medical reviews with the clinical risk management team and make recommendations regarding the level of acceptable risk. - Negotiate rates, terms, and conditions for new and existing business. - Manage the new business and renewal book to balance profitability and growth. - Process sold accounts and confirmed renewals following established procedures. - Develop and maintain relationships with clients, producers, and sales representatives to support the company’s production goals and persistency. - Support Skyward A&H growth initiatives related to reference-based pricing, captive, and small group programs. - Review plan design and calculate rates for requested or recommended plan changes. - Provide competitive feedback on rates, products, pricing, and marketing strategies. - Make presentations to peers, producers, and leadership as necessary. - Utilize departmental tools, experience, and judgment during the underwriting process to set pricing, review risk, negotiate, and accomplish goals. - Assist associate underwriters with training and peer review. - Perform other duties as assigned. - Some travel may be required for trainings and/or meetings (less than 10%). Continuous Learning and Development: - Stay current with industry trends, regulatory changes, and competitive landscape to ensure the company remains at the forefront of underwriting practices. - Participate in training sessions and professional development opportunities. Education & Experience: - Bachelor’s Degree preferred. - 5+ years of experience underwriting medical stop-loss required. - Preferred experience underwriting reference-based pricing, captives, and/or small group programs. - Professional certifications (HIAA, CEBS, FMLI, etc.) beneficial. Skills: - In-depth knowledge of underwriting principles, risk assessment, and regulatory requirements. - Proven track record of developing and implementing successful underwriting strategies and policies. - Strong analytical and decision-making skills, with the ability to evaluate complex transactions. - Ability to prioritize and balance a dynamic workload. - Strong communication and interpersonal skills, with the ability to build relationships with internal and external stakeholders. - Proficiency in underwriting software (Connexure/ESL preferred) and other relevant technology. Compensation & Benefits The applicable base salary for this opportunity is $100,000 - $170,000. The base pay offered will be determined by factors such as experience, skills, training, location, certifications, education, and any applicable minimum wage requirements. In addition to the base salary, this opportunity may be eligible for performance-based incentives.​ We are excited to offer a competitive total rewards package which includes health and welfare benefits, tuition and professional certification assistance, 401k savings, elective participation in the Employee Stock Purchase Program, paid time off, paid holidays, and child bonding leave, as well as other employee assistance. #LI-Remote

About JMAC Lending: With over 25 years of experience, JMAC Lending has established itself as a leader in the industry. We pride ourselves on our innovative products, outstanding service, and unwavering commitment to supporting our partners in growing their businesses. Our culture revolves around surpassing conventional market options, positioning us as the preferred lender for our clients. Our team boasts impressive credentials and participates in ongoing education to blend knowledge with experience seamlessly. Built on a foundation of the highest ethical standards, our company excels in delivering competitive product pricing for wholesale and correspondent lending to our valued clients. The Opportunity: The Government Underwriter is responsible for reviews and evaluates information on mortgage loan documents to determine if the borrower, property, and transaction meet JMAC guidelines. JMAC Lending has funded more than $20 billion in mortgage loans. The Conventional / Government underwriter is responsible for rendering a decision within company guidelines and communicating the decision to all applicable parties. Must be able to work independently, or as a team; have critical thinking skill, have excellent written, and verbal communication skills. Maintains exceptional customer service to remain consistent with company culture. This role will deal with numbers, calculations and must possess a good auditing and analytical skills including a firm knowledge on math. A good skill in decisions making is also vital since the major of mortgage underwriters are deciding and evaluating whether to approve or deny the client's loan application. This is a Full-Time/Remote opportunity with varying working 8:00-5:00 in both Pacific and Central time zones Monday-Friday offering competitive pay ranging from $44.71 to $52.88 hourly plus bonus. Key Responsibilities: - Review credit documents in accordance to JMAC, FHA, and VA guidelines. - Review borrower’s income and assets in accordance to JMAC, FHA, and VA guidelines. - Review subject property title and appraisal in accordance to JMAC, FHA, and VA guidelines. - Must be able to make loan decisions independently (Approve or Decline). - Sign off on conditions. - Verify the consistency of information throughout the file - Utilize FHA Connection, FHA EAD, VA VIP/WebLGY, and GUS to complete, correct, or verify the validity of required forms. - Complete assigned files within established turn times. - Maintain communication, and customer service with file contacts throughout the loan process. - Other duties as assigned. - Based on business needs overtime may be required.

Principal Duties and Responsibilities - Ensure effective risk management. Perform reviews, assessment of new business, and renewal large claims/disclosure to identify known and potential risk. - Assist underwriters in the evaluation and assessment of clinical and claims data to identify and quantify known and potential risk through the provision of concise, detailed, and accurate reporting of data analysis findings, observations and recommendations to underwriting. - Effectively explain complex clinical conditions to team. - Develop and maintain strong client, TPA and vendor relationships. - Consult with clients and TPA’s on case management issues, alternative levels of care, program development, quality improvement, claims issues and educational needs. - Work with claim team to determine the need to impact, develop a cost mitigation strategy and work with internal as well as external stakeholders to produce an effective clinical and financial outcome. - Assist with medical necessity determinations and claim audits. - Perform as needed: transplant and other complex /catastrophic care reviews including review of treatment plan for medical necessity/experimental treatment, appropriateness of setting and coordination of any necessary additional review with outside medical expert. - Consult with internal and external clients on high cost claims and successfully engaged effective clinical risk management strategies. - Determine need for extra contractual agreements and /or engagement of specialty resources and acts as a liaison until the claim is complete. - Serve as a resource for claims and underwriting related to the risk management of A&H claims. - Establish reserve recommendations and adjusted as needed and reviewed on a monthly basis. - Build strong relationships with internal and external clients and communicated risk factors, resolved complex inquires and developed recommendations for continuous improvement. Qualifications, Education and Experience Preferred - 5+ years of clinical and case management experience - RN license required - CCM preferred - Bachelor's degree preferred - Stop loss and reinsurance experience preferred - Excellent written and oral communication skills - Ability to multi-task and prioritize - Team oriented yet able to work independently - Ability to build and maintain strong professional relationships - Proficiency with Excel, Word and spreadsheet analysis Compensation & Benefits The applicable base salary for this opportunity is $80,000 - $130000. The base pay offered will be determined by factors such as experience, skills, training, location, certifications, education, and any applicable minimum wage requirements. In addition to the base salary, this opportunity may be eligible for performance-based incentives.​ We are excited to offer a competitive total rewards package which includes health and welfare benefits, tuition and professional certification assistance, 401k savings, elective participation in the Employee Stock Purchase Program, paid time off, paid holidays, and child bonding leave, as well as other employee assistance. #LI-Remote