Overview This is a remote role that will only be hired in the following location(s): North Carolina, South Carolina, or Virginia. The Commercial Real Estate Underwriter II supports the commercial real estate lending team by underwriting at an advanced level of complexity for commercial portfolios. Provides guidance to structuring, servicing, and analysis for both new and renewal credits. Identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assesses and communicates risks to assist department risk mitigation strategies. Provides service and support for both associates and clients, participating in client calls, and may assist in identifying cross-sales opportunities. May assist special projects as needed to facilitate commercial lending activities and service capabilities, and may provide direction to less experienced underwriters in the work group. Responsibilities - Underwriting - Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome. May provide guidance to less experienced underwriters through knowledge of underwriting procedures and information needs. - Analysis - Sources, compiles, and interprets financial data to support structuring and approval of loans. Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower. Utilizes results of analysis to underwrite commercial loans. - Risk Management - Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio. Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management. - Business Support - May assist in Identifying cross-sales opportunities for new and existing relationships based on analysis activities. Identifies servicing information and prepares credit analysis documentation. Partners with associates and clients to determine needs and structuring of new requests, renewals, and modifications, participating in client and prospect calls as needed. May assist management with peer development and training. Qualifications Bachelor's Degree and 4 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. OR High School Diploma or GED and 8 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. - Bachelors Degree and 4 years working with Commercial Real Estate preferred - Microsoft Excel competency required - Strong written and verbal communication skills required - Experience working with credit exposure 5 million and above preferred Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

Horace Mann is seeking an experienced and highly skilled Senior Life Underwriting Consultant to join our Life Insurance team. This role is responsible for reviewing, evaluating, and classifying complex medical, non-medical, and financial risks to determine appropriate underwriting offers while balancing sound risk assessment with competitive positioning. The Senior Life Underwriting Consultant plays a critical role in protecting company profitability from a mortality and morbidity standpoint while ensuring fair and equitable decisions for applicants and agents. This position also serves as a technical expert, mentor, and key resource within the underwriting team. Key Responsibilities Risk Assessment & Decision Authority - Review, evaluate, and classify medical, non-medical, and financial risks to determine underwriting offers on new life insurance policies. - Underwrite life insurance risks with approval authority up to $5,000,000 face amount cases. - Ensure underwriting decisions are fair, consistent, and aligned with company profitability objectives. - Maintain strict adherence to internal underwriting guidelines, SOPs, regulatory statutes, and legal/compliance directives. Operational Excellence & Productivity - Manage and process caseload in a timely and productive manner, meeting or exceeding established service standards. - Demonstrate superior competency in utilizing underwriting and new business systems, including Resonant, online reference manuals, and vendor websites. - Complete audits of underwriting decisions and processing to ensure proper mortality assessments and identify training opportunities. - Provide back-up support to the Chief Life Underwriter as needed. - Complete cosigns for Underwriter-level cases as assigned. Relationship Management & Communication - Develop and maintain strong working relationships with agents, sales teams, and internal and external customers. - Provide accurate and timely communication to agents via email and telephone. - Support a collaborative underwriting environment that promotes transparency and partnership. Leadership & Continuous Improvement - Participate in projects, committees, and presentations as required. - Identify and recommend opportunities to improve underwriting processes and procedures. - Train and mentor team members in underwriting best practices and system utilization. - Complete five (5) or more professional development actions annually, including industry courses, seminars, or continuing education activities. Qualifications & Experience - 10+ years of experience as a Life Insurance Underwriter preferred. - Demonstrated experience handling large face amount cases and complex underwriting scenarios. - Strong understanding of mortality and morbidity risk evaluation. - Proven ability to interpret medical and financial documentation accurately. - Experience working within established underwriting authority levels. - Strong communication, analytical, and decision-making skills. - Demonstrated commitment to compliance, accuracy, and professional development. Additional Information - Normal office environment with remote work-from-home options based on management discretion and business needs. - Core business hours required; additional time may be necessary to meet service standards. - Periodic travel may be required. Salary Range: $76,600.00 - $106,450.00 annually Salary is commensurate to experience, location, etc. #APP Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow. And with our broadened mission has come corporate growth: We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets. We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators. EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status For applicants that are California residents, please review our California Consumer Privacy Notice All applicants should review our Horace Mann Privacy Policy

Reporting to the Manager, Processing, the Loan Processor will ensure the timely and accurate packaging of all loans originated by our loan officers and lender clients. Responsibilities also include assisting Credit Analysts with the credit approval and monitoring process by gathering financial and credit information with a focus on credit quality and overall risk management. Job Functions and Responsibilities: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. - Gather information and take each file from pre-approval to closing. - Input proper loan information into the system for processing. - Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy. - Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting. - Review file documentation and make sure all items needed are requested. Order and coordinate loan documents. - Meet crucial deadlines requested. - Communicate with borrowers, fellow employees and clients in a manner that shows sensitivity, tact, and professionalism - Contact each borrower in a timely manner to introduce yourself and go over the process and items needed - Read and understand appraisals, AUS findings, title and credit reports; - Utilize basic business math to calculate income, assets, taxes and monthly insurance - Understand rules regulations, policies and/or procedures along with investor guidelines - Maintain current knowledge about the industry, market trends, competitive position, etc. - Strive to achieve and exceed productivity expectations and standards. - Work closely with vendors Qualifications: To perform this job successfully, an individual must have the following education and/or experience: - High school diploma, GED, equivalent certification, or military experience - Minimum 5 years of recent experience as Loan Processor is required - Minimum 2 years of recent experience as an Assumption Loan Processor is required - Read, interpret and apply applicable laws, rules, regulations and/or policies and procedures - Demonstrate interpersonal, organizational and time management skills - Accurately document all information pertaining to accounts - Knowledge of the laws governing access to public and private records - Strong computer skills; Must be able to move through the LOS system and other programs - Time management: Knowing the cut-off times for funding and underwriting so that the file moves smoothly and does not lose a rate lock. - Knowledge of GFE, APR, interest rates and disclosure/re-disclosure time lines - Ability to operate in a fast paced environment - Perform any additional duties/activities assigned or needed by the business Training/Licensing Requirements: - Must pass the Company’s Background Screening process prior to beginning employment. Additionally, as a condition of employment, you may be required to pass client-specific background check requirements or Federal/State licensing requirements, if applicable. The salary for this position is expected to be $28.13 per hour. This position is also eligible for monthly incentive based on performance and subject to the terms of the Company’s applicable plans. Onity Group Inc. is a leading non-bank mortgage servicer and originator providing solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage. PHH Mortgage, a subsidiary of Onity Group Inc., has been providing mortgage lending and servicing solutions since 1984 and is dedicated to maintaining responsible and ethical practices while delivering an exceptional customer experience. PHH offers industry-leading mortgage solutions for the entire mortgage lifecycle, including correspondent lending, MSR/Co-Issue, subservicing, commercial servicing, reverse mortgages and portfolio retention. We are one of the largest subservicers of residential mortgages in the United States and one of only two servicers in reverse mortgage lending. At Onity Group Inc., we consistently deliver on our commitments to customers, clients, investors and colleagues through caring service, integrity and creative solutions. This Service Excellence philosophy is embraced by meeting service standards we call CARE, which stands for Caring, Accurate, Responsive and Empowered. We expect all employees to interact and engage our colleagues and our customers with respect, courtesy and professionalism, and to achieve results consistent with our CARE standards. Onity Group Inc. is intensely focused on hiring, developing and retaining the best talent in the industry! Our commitment to Diversity, Equity & Inclusion ensures that we sustain our reputation as an outstanding place to work, a great business partner and a valued community member. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please let us know. Onity Group Inc. offers a comprehensive benefits package including medical, dental and vision; up to 3% match on 401(k) contributions; generous paid time off; company-paid life, accident and disability coverage; programs for mental, physical and financial wellness; and more. Visit jobs.onitygroup.com for details.

Job Title: Non-Delegated Mortgage Underwriter III Location: Remote Texas What you'll do: A Non-Delegated Mortgage Underwriter III is responsible for underwriting conventional loans by reviewing the credit, capacity, and collateral characteristics of loan files to ensure it meets company and investor quality standards. - Manage individual pipeline on a daily basis by completing Conventional loans, simple and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times - Identify any document deficiencies, request additional information and/or documentation from Clients as needed - Expert ability to navigate and interpret all agency and company guidelines - Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan. - Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans - Other duties as assigned What you'll need: - 5+ years mortgage industry experience, with 3 years recent frontline underwriting experience preferred in a wholesale or retail lending environment. - Ability to communicate effectively and professionally - Basic proficiency in Microsoft Office products (Excel, Word, etc.) - Encompass LOS experience preferred - Project management experience - College degree preferred but not required - Loan quality and risk management a must - Knowledge of FNMA and FHLMC guidelines - Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Product Advisor - Excellent Customer/Client service skills - Ability to work in a fast paced production environment - Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints - Excellent written and verbal communication skills - Prioritization and Time Management skills - Ability to learn and adapt to guideline changes Benefits you’ll love: We offer all the important things you'd want — like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you’ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email HR@westernalliancebank.com or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process. © Western Alliance Bancorporation