Company Description At Longbridge, we love seniors and we’re passionate about helping them unlock the power of one of their greatest assets—their home equity. As a leading provider of home equity solutions for seniors, we’re committed to helping older homeowners make the most of what they’ve worked hard to build, so they can live the retirement they imagined. And we don’t just do it well, we do it really well. With an “Excellent” rating on Trustpilot and over a thousand customer testimonials, we’ve earned a reputation for making it easy and stress-free to access home equity—with guidance every step of the way. But it’s not just our customers who love us—our team does, too! We’ve been named a Great Place to Work® three years in a row because we believe that when people enjoy what they do and where they do it, everyone wins. Why Longbridge? At Longbridge, we don’t just offer jobs, we offer careers that grow with you. Here’s why you’ll love being part of our team: - Grow With Us – We’re big believers in investing in our people. From top-notch training to clear career paths, we support your professional growth every step of the way. Plus, we love promoting from within—because when you succeed, we all do. - A Culture That Clicks – We work hard, but we have fun doing it! Whether it’s team-building events, friendly competitions, or just an atmosphere of open communication and collaboration, we make sure work feels less like “just work.” - Benefits That Have Your Back – We’ve got you covered with best-in-class health plans (medical, dental, vision, HSA, and FSA), generous PTO, paid holidays, company-paid life insurance, and a competitive 401(k) match. Because taking care of our team is just as important as taking care of our customers. If you’re looking for a place where your work truly makes a difference, we’d love to have you on board. Apply today and let’s do great things together! Job Description The Underwriter position underwrites residential loans ensuring compliance with appropriate company, secondary market Investor standards, and all applicable laws. Examines loan documentation for accuracy and completeness. Partners with Loan Originators, Branch Managers and Processors to secure all required documents. Primary Job Duties: - Responsible for underwriting files and establishing conditions to meet FHA and LBF guidelines. - Ability to make timely, accurate decisions on all FHA transactions - Evaluate risk and ensure quality of each loan decision - Communicate requirements and/or decisions clearly - Responsible for reviewing all areas of the mortgage loan file to ensure accuracy, completeness, and compliance with internal and regulatory guidelines, including but not limited to Application, Title, Appraisal, Assets, Credit, Condominium information, and income. - Responsible for clear and concise communication to appropriate parties including but not limited to the processing department on items needed to prepare a loan for closing. - Partner with processing to close loans in a timely in efficient manner - Adhere to service level agreements and prioritize workflow - Maintain quality control standards while maintaining production standards by company's definition - Assist in identifying, recommending, and/or negotiating alternative loan documentation requirements Qualifications - Three or more years of current active experience underwriting Reverse Mortgages (Retail and/or Wholesale) - HECM for Purchase experience is a plus - Must have a valid active CHUMS Number - Strong credit, risk analysis, and analytical skills - Working knowledge of federal and state regulations and requirements with emphasis on MDA, TILA, HUD and RESPA reform. - Understands the loan flow process including file structure, and documentation requirements. - Strong verbal and written communication skills - Attention to detail, with strong organizational and interpersonal skills. - Ability to work well with a wide range of people, work under pressure with a focus on deadlines, and adapt to changing situations daily - Ability to use creative thinking to find solutions to problems - Ability to meet and exceed service level agreements - Competent risk-assessment skills - Ability to multi-task - Excellent time-management skills - Ability to work independently with minimal supervision in a team environment - Familiar with HUD underwriting guidelines and documentation, mortgage legal documentation, 3rd party risk assessment products and Federal/ State/Local compliance regulations - Proprietary Reverse Mortgage underwriting experience is a plus Additional Information - Working in a growing and dynamic industry - Full benefits: Medical, Dental, Vision, FSA/HSA, and wide array of voluntary products and discounts - 401(k) with company match - Paid time off - This is a non exempt - Target base salary range is 95-105K which is based on various factors including skills and work experience. - In addition to base salary, this role is eligible for a competitive additional compensation program via monthly production bonus that is based on individual performance. - LBF is an EEO/AA/Vet/Disabled Employer - Please note that salaries that are estimated on various job sites may not reflect the actual compensation. Job sites, set the estimated salary, not Longbridge Financial. Important Note: When you click on a video, certain personal information may be sent to the video provider (such as YouTube, Vimeo, etc.). To learn more about our privacy practices, please review our company Privacy Notice.

Overview Position: Condominium Approval Manager (Underwriter) Location: Remote - Working under West Coast Hours (PST) Compensation: starting at 100K D.O.E. + full time benefits including 401K, paid holidays and paid vacation Position Summary: The Condo Co-op Approval Manager will be responsible for managing the review, decision of review and submission of Condominium and Co-op Projects for all investors the Project Team is responsible to underwrite for. Responsibilities - Create and established corporate policies and procedures, job aids; to ensure that Agency and Investor requirements are met for mortgages sold and delivered secured by units within Condominium Projects for Fannie Mae, Freddie Mac, FHA, VA and various Jumbo Loan and NON-QM investors. Co-op Projects for Fannie Mae -Freddie Mac. - Compliance support, review all ground leases, (even if not a condo or co-op) within the department as well as any affordable housing and other resale deed restrictions, and private transfer fees when OPS needs assistance. - Carry a pipeline when required; Analyze and approve condominium projects for all agencies and investors as overflow. - Manage Condo Approval Team Analysts, create training modules for all products for different investors, including new hire training on internal databases, workflow and process. - Audit monthly 10% of reviews completed by Analysts. - Daily track of service level agreements, close of escrows (COE) and priority dates are being met and able to hold those accountable for their responsibilities. Job Competencies: - Demonstrate advanced product knowledge of FHA including Sua and Delrap, Conventional, Non-QM and other loan programs such as Home Equity Lines of Credit, 2nd Mortgages, down payment assistance and bond programs. - Familiar with review of Co-op Audited Financials - Ability to maintain a high level of professionalism, customer service, and communication with all parties involved in the loan cycle. - Proficient with Encompass - Understanding all compliance regulations and investor guidelines. Core Competencies: To perform the job successfully, an individual should demonstrate the following competencies: - Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. - Interpersonal - Maintains confidentiality; Keeps emotions under control. - Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Participates in meetings. - Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed; Recognizes accomplishments of other team members. - Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information. - Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness. - Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Aligns work with strategic goals. - Diversity - Shows respect and sensitivity for cultural differences; promotes a harassment-free environment. - Ethics - Treats people with respect; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values. - Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values. - Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Adapts strategy to changing conditions. - Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events. - Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. - Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan. - Initiative - Asks for and offers help when needed. - Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. - Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. - Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments. - Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly. - Safety and Security - Observes safety and security procedures; Reports potentially unsafe conditions; Uses equipment and materials properly. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Education/Experience: High school diploma or general education degree (GED); three to five years’ experience in this field of work is preferred. Language Ability: Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Math Ability: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills: To perform this job successfully, an individual should have knowledge of MS Word word-processing software, MS Excel spreadsheet software and Internet Explorer, MS Outlook internet software. Certificates and Licenses: No certifications needed Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Work Authorization: Must be able to verify identity and employment eligibility to work in the U.S. Other Duties: This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned in order to meet the needs of the organization. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction. [EOE/M/F/D/V. Drug-free workplace.] #LI-JS3 #LI-REMOTE

• Coordinate with team members for maximal impact on systems and automation. • Partner with leadership across the enterprise to champion changes that improve processes, while maintaining mortality expectations. • Be a champion for data-driven underwriting practices. • Lead the effort and provide recommendations around new technologies and methodologies for automation and process efficiency. • Provide guidance on the development, testing and implementation of new AI tools and predictive models. • Business lead for identifying areas that require a solution and giving direction to the type of solution needed. • Develop workflows. • Create pilot plans. • Establish roll out plans for new solutions. • Create monitoring metrics plan for new solutions. • Work with Competitive Intelligence by keeping an eye on industry/carrier developments around AI initiatives.

If you’re passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care. Candidates with 1-2 years desk experience as an Insurance Underwriter strongly preferred. Excess and Surplus/Specialty underwriting a plus. Candidates local to Phoenix area ideal for on-site training purposes - option to be remote thereafter a possibility. Work hours based on customer time zone (i.e. may be EST or CST). #LI-AS1 Job Description Summary Are you a critical thinker who can analyze complex risk and find insurance solutions that balance customer needs with business goals? If you can take initiative, use both your analytical and creative abilities to make sound decisions and have a desire to help people solve real challenges, we want to hear from you! Our Excess & Surplus/Specialty (E&S/S) lines allow us to provide insurance that other carriers may not offer. It’s a fast-paced environment in a collaborative, team-oriented culture, working in an always-changing, growing industry. As an Underwriter, you will determine individual risk acceptability, pricing, coverage, terms and conditions, by developing, analyzing and evaluating information and exposures on risks of basic technical complexity and with limited authority. You will be responsible for achieving production and loss ratio goals with or without an assigned territory by reviewing and analyzing claims, loss history and taking appropriate action on individual accounts and/or program or territory. We'll count on you to drive profit and premium to meet financial goals and objectives through developing, negotiating and implementing business plans. Your knowledge of reinsurance placement requirements, if any, on individual accounts, is important and valued. You will have opportunities to foster positive business relationships with agents and reinsurers. Job Description Key Responsibilities: - In partnership with underwriting (UW) leader / team member, reviews individual risks from agents or brokers or programs with or without assigned territory, from agents, brokers or program managers and either declines or accepts business based upon information necessary to make the decision. Analyzes exposures to loss, develops an adequate premium charge for the exposure, determines appropriate endorsements and exclusions to address loss exposures for the insurance contract. - Achieves team /individual production and loss ratio goals through sound broker management, territory management and marketing, with or without assigned territory. Makes corrective action recommendations on individual risks. In partnership with UW leader / team member, handles policy maintenance items and other mid-term requests. Reviews endorsement requests and processes necessary changes to the policy. Reviews loss control reports and makes recommendations to UW leader. Follows up on outstanding information as required. - Achieves production, profitability and service objectives. Quotes, prices and underwrites new and renewal policies and endorsements, primarily for complex or service sensitive accounts. Monitors risk selection and pricing decisions for entire agency plant, both on a book of business and individual account level basis. - Continually analyzes premium and loss results in their territory by agency, broker, state, major class of business and by program. Audits individual policies for compliance with company guidelines. Development and implementation of specific action plans may be required. - Handles policy maintenance items and other mid-term requests. Reviews endorsement requests and processes necessary changes to the policy. Reviews loss control reports and makes recommendations to the agent and/or changes to the policy. Follows up on outstanding information as required. Reviews claim activity and takes appropriate action. - Fosters positive business relationships with agents and brokers through daily contact with assigned agents by developing and maintaining good rapport and resolving agency conflicts. Travels to agency offices as required for audits, training or marketing visits. Entertains agents visiting the company as required. Assists with development of marketing ideas and strategies for underwriting seminars and other marketing campaigns. Strengthens internal and external relationships through regular contact on underwriting matters, promoting profit and new business growth, renewal retention and service capabilities. - Proactively develops technical and business knowledge through internal and external venues. - Markets Nationwide products and services to help drive agency and company results, including all enterprise products that may enhance offerings. Assists agency with strategies for pipeline management, producer development and to develop new business in targeted industries and preferred markets. Responds effectively to assess accounts and develop business propositions that win the business. May perform other responsibilities as assigned Reporting Relationships: Reports to Underwriting Manager. Typical Skills and Experiences: Education: Undergraduate degree preferred. Equivalent work experience will be considered in lieu of a degree. License/Certification/Designation: Completion of general insurance courses such as CPCU, CIC, AU, ARM, CPIW, CWIS, or ASLI is preferred. Experience: Three years related experience or prior experience as an underwriter, excess & surplus lines preferred. Knowledge, Abilities and Skills: Knowledge of lines underwriting policies, practices and procedures, insurance law and underwriting marketing principles and techniques, rating plans and plan concepts, Treaty & Facultative reinsurance concepts, general agency system and company operations, regulatory issues, the general agency system, market conditions and company operations. Ability to communicate effectively, orally, and in writing, interpersonally with individuals and groups via telephone, fax, e-mail and in person. Demonstrates advanced negotiation skills. Ability to manage the assigned line or lines of business, which may include monitoring of aggregates. Ability to work with the wholesale/general agency distribution system. Ability to analyze insurance risks to determine acceptability including policy language, various commercial rating plans and methodologies, reinsurance. Ability to use/learn job related computer software. Ability to devise business solutions to problems, implement the most appropriate, and monitor its effectiveness. Ability to make decisions with minimal supervision. Other criteria, including leadership skills, competencies and experiences may take precedence. Staffing exceptions to the above must be approved by the hiring manager’s leader and HR Business Partner. Values: Regularly and consistently demonstrates Nationwide Values. Job Conditions: Overtime Eligibility: Not Eligible (Exempt) Working Conditions: Normal office environment. Travel out of state as required several times a year. In-town entertaining required as necessary after 5:00 P.M. ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or requisitions some people assigned to the job to perform a somewhat different combination of duties. Benefits We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here. Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law. NOTE TO EMPLOYMENT AGENCIES: We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means. Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule. The national salary range for Underwriter, Contract Underwriting - E&S/ Specialty : $54,000.00-$100,500.00 The expected starting salary range for Underwriter, Contract Underwriting - E&S/ Specialty : $54,000.00 - $81,000.00