An exciting opportunity exists to join the ProAssurance family of companies! Our mission is powerful and simple: We protect others. Choosing a place to apply your talents is an important decision for anyone. You have plenty of options. Why choose ProAssurance? At ProAssurance, we sell a pledge, and that pledge is delivered by our team members. We are seeking individuals who value integrity, leadership, relationships, and enthusiasm—and want to build their career with a great company where they can be their authentic self and feel valued, recognized, and rewarded for their contributions. ProAssurance specializes in healthcare professional liability, products liability for medical technology and life sciences, legal professional liability, and workers' compensation insurance. We are an industry-leading specialty insurer, with job opportunities in much of the contiguous United States. This position supports the Senior Living/Long-Term Care segment of our medical professional liability line of business and can be remote in the contiguous United States. Senior Living/Long-Term Care professional liability underwriting experience is required. The primary responsibility of the Senior Underwriter (Specialty) is to use underwriting authority to develop and build external relationships to write profitable new business and retain existing policyholders in an assigned territory and/or with assigned brokers. This underwriter will solicit, examine, accept, and reject insurance risks based on underwriting guidelines in all market segments of the program. This role will follow the underwriting authority granted them by the Vice President Specialty Underwriting. This position will classify and price acceptable accounts to meet underwriting profit goals and expense objectives; support underwriting colleagues with broader production responsibilities; and monitor, analyze, and report on the quantity and quality of assigned book of business. The Senior Underwriter has responsibility over larger, more complex accounts within a specialized segment of the specialty underwriting unit. This position will serve as a sounding board and mentor to the Underwriters. What you'll do: 65% - Underwriting and Underwriting Profitability: - Underwrite new and renewal submissions, with primary focus upon manual and experience rated accounts. Pursue new business opportunities while managing existing book of renewal business. Create terms and conditions for each applicant based on underwriting guidelines, program rates and coverage forms and authority level. Work closely with and collaborate with colleagues in all disciplines including Actuarial, Claims, and Risk. Adhere to Letter of Authority without exception. Will use advanced knowledge of pricing models and be proficient at working through the actuarial-underwriting nuances. May work with admitted and non-admitted accounts. Identify program risks, process improvement opportunities and claims trends. Refer accounts to the Production Team when appropriate. 15% - Relationship and Distribution Management: - Expand new business opportunities in preferred classes of business through target accounts and brokers in all market segments. Arrange and conduct meetings with brokers/agents, and insureds/prospects to discuss terms and conditions, exposures, claims, and related concerns. 10% - Policy, Procedures, and Compliance: - Document files and ensure compliance and audit-worthiness. Collaborate with other teams on cross-sell initiatives. 5% - Financial Results Management and Reporting: - Assists in establishment of revenue budget and monitors performance against plan, while keeping keen focus upon loss ratio targets. Provide reporting to leadership to facilitate tracking and measurement of results. 5% - Innovation and Product Development: - Keeps educated on evolving risks and exposures. Engages others about ways to improve the service and/or products that we provide. Encourages others, at all levels, to offer ideas and take initiative to vet those ideas. What we're looking for: - Bachelor’s degree required with a preference for study in insurance, risk management, business administration or another business-related field. - Minimum of at least seven years medical professional liability underwriting experience, with at least four of those years with specialty underwriting experience. - CPCU, AIC, or ARM highly desired. - Understanding of insurance and medical terminology and insurance and underwriting principles required. - Previous professional liability experience required. - Proficiency with Microsoft Office Suite. - Excellent organizational and interpersonal skills; ability to work well within a team environment. - Self-motivated and able to accomplish multiple tasks in a timely manner. - Accomplished written and verbal communication skills. - Analytical ability, to gather data and interpret information; request more information when data is incomplete and prioritize work. - Ability to attend insurance and industry/business functions to promote and present a positive image of the Company. - Proven self-starter with strong multi-tasking and relationship management skills. - Able to make sound decisions and devise appropriate solutions. - Able to review the work of others, provide feedback, and approve other underwriters’ quotations. - Strong negotiating skills. - Excellent listening, speaking, writing, and presentation skills. Ability to process information logically. - Meets work deadlines, excellent desk management skills. - Solid knowledge of rating and documentation management and workflow systems. - Able to create, build and develop superior relationships with agencies and internal colleagues. #LI-Remote We are committed to providing a dynamic and inclusive environment where everyone can do their best work and grow personally and professionally. For that reason, we partner with The Predictive Index (PI) – an organization equally committed to improving the working lives of people, to help us hire the best talent by providing additional insight about one’s work style. The position you applied to requires completion of two assessments prior to being scheduled to interview with a hiring manager. A Talent Acquisition team member may review your application and contact you before the assessment is complete. These assessments are Behavioral and Cognitive (internal candidates will only receive the Behavioral assessment), and each assessment takes less than 12 minutes to complete. After submitting your application, you will receive two emails from The Predictive Index inviting you to complete each of these assessments (please check your SPAM or Junk email folder if you do not see these emails in your inbox). Position Salary Range $87,599.00 - $144,553.00The salary range displayed represents the entirety of the pay grade for this position. Most candidates will start in the bottom half of the range. Factors that may be used to determine your actual salary include your specific skills, how many years of experience you have, your location and comparison to other team members already in this role. Build your career with us and enjoy access to a best-in-class benefits program.

Job Title: Vice President, Commercial Underwriter Location: MI Remote What you'll do: As a Vice President, Commercial Underwriter , you'll be responsible for underwriting new loan and renewal requests within the C&I industry, specifically for mortgage repurchase, mortgage servicing rights, working capital lines of credit and other Bank lending products. You'll build internal relationships by working with lending officers directly on credit analysis and loans involving complex structures in a fast-paced environment. One of your key responsibilities is to review the loan structure, financial spreads, entity structures, collateral, market data and industry reports to understand inherent risks and prepare a recommendation to Credit Administration in the form of opportunity memos, loan presentations, administrative action memos, and annual relationship reviews. The role also serves as a mentor for our junior credit analysts across financial analysis, loan structure, appropriate covenant conditions, our internal systems, and identifying risks and tangible mitigating factors to credit risk. - Perform pre-qualification financial and risk assessment for potential financing requests within the framework of Bank credit culture and current economic and industry trends. - Review financial statement analyses, typically involving complex and interlocking relationships. Gather and analyze all information necessary to present a financing request to senior management or Loan Committee for approval. - Attend virtual or on-site due diligences at customer operations or servicing centers and meet with existing or potential customers in tandem with the sales team. - Provide mentorship to our junior analyst by reviewing their credit analysis work, including compliance certificates and minor underwriting items. - Work with our internal sales, processing, and treasury management teams to build multifaceted banking relationships. What you'll need: - 6+ years of related experience. - Bachelor's degree or equivalent experience required. - Advanced knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services. - Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. - Advanced speaking and writing communication skills. 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: 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. AmeriHome Mortgage is a Western Alliance Bank company. 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

Role Description The SBA Underwriter will assist the lender with their SBA Loan request by preparing a pre-assessment for eligibility, borrower checklist, lender checklist, document collection, spreading the tax returns and other financial documents, and preparing a Credit Summary for SBA Eligibility. The Credit Summary for SBA Eligibility is written in compliance with the SBA SOP and lender loan policy and guidelines. The Credit Summary is reviewed for quality control prior to forwarding to the lender. Position Responsibilities - Prepare, review, and analyze the creditworthiness of all applicant’s loan requests by spreading company and personal financial statements. - Inform Lender of the SBA guidelines for loan structure maximum rate and term depending on the loan requested. - Assist lender in preparing the sources and uses of the loan request. - Review construction budget, inventory list, FF&E costs estimate/invoices, purchase agreements, debt refinance analysis, business acquisition/partner buyout, and working capital needs. - Prepare a collateral table to assess the adequacy of all business assets and apply the SBA liquidation percentage to result in the net value for the assets. - Conduct a Business Overview to discuss the business description and history, locations, products/services, business model, management, succession plan, competition, vendors, define market area, customer base, strengths, and weaknesses of the business. - Compare business NAICS and Franchise to Coleman statistics and FRAN data for trends and success rates of the business or franchise. - Spread historical and projected financial documents to determine cash flow and repayment to show the applicant meets SOP guideline for DSC of 1.15x or better. - Analyze projection assumptions for reasonableness in obtaining the level of sales and net profit. - Determine the projected break-even and what if scenarios. - Discuss RMA Common Size ratios in comparison to the borrower’s revenues and expenses. - Analyze and spread affiliate businesses to show these entities will not be a strain on the applicant/borrower. - Analyze the principals’ and guarantors’ personal financial statement, personal tax returns and credit report. - Prepare a global cash flow and rate sensitivity spreads to determine the business and its affiliates meet the SOP guideline for DSC of 1x. - Spread historical balance sheet to compare with the common size ratios of RMA. - Prepare a pro-forma balance sheet to show how the transaction will affect the balance sheet. - Discuss the current and debt to tangible net worth ratios and compare to RMA ratios. - SBA 7a eligibility requirements include size standard analysis or alternate size standard analysis to show the applicant and its affiliates meets the SBA determinates for the Small Business. - If applicable, review CAIVRS that check for delinquent Federal debt and prior loss to the Federal Government. - Obtain Sam.gov reports for the business, for all principals, affiliate businesses, broker/agent, LSP employees and SBA Lender that show none of these entities are debarred from conducting business with the Federal Government. - Work with the Underwriting Team daily to improve the underwriting process and Lender/Borrower experience. - Able to exercise discretion and work independently to make judgements with respect to matters of significance, and able to discern items that can impact risk to the Bank. Qualifications - Bachelor’s Degree in Finance or Accounting; or other related area; or equivalent relevant experience. - Understanding of SBA Loan Programs and knowledge of eligible and ineligible loan requests. - Understanding of credit analysis to include sources and uses of proceeds, source of equity injection, collateral analysis, applicant financial analysis of repayment ability, spread of pro-forma business balance sheet, financial ratio benchmarks, working capital adequacy, business and industry overview to include management qualifications/experience, and affiliate cash flow analysis. - Minimum 6 years of commercial loans and/or SBA/USDA loan experience. - Recent underwriting experience in a high-volume environment with full knowledge of the lending requirement, regulations, and procedures for conventional, SBA and USDA loan programs preferred. Technical Knowledge and Skills - Microsoft office software suite (Word, Excel, PowerPoint, etc.). - Excellent verbal and written communication skills. - Experience with Abrigo or other commercial lending platforms is ideal. - Strong verbal and written communications skills. - Must be a creative thinker and proactive problem solver with a history of working efficiently and effectively, meeting deadlines, and following projects through to completion. - Must be organized and detail oriented. Additional Details - Ability to travel within a defined market area. Compensation Base Salary Range: Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, geographic location, and ability to meet qualifications within the job description. Working Arrangements 100% Remote Role Benefits - Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more! - Company Contributions to your 401k - Regardless of your contribution. - Employee Recognition Program, Commuter Benefits, Employee Banking Discounts and much more! - Generous Paid Time Off and Paid Holidays. Company Description Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.

Who We Are At Newrez, we bring big thinkers and caring doers together to make home happen. We’re a team built on heart and hustle, united by a commitment to show up for our customers, our communities, and each other. We believe that when our people thrive, homeowners thrive - and that’s why we invest in your growth, wellbeing, and ability to make an impact. Every day, we work to exceed the expectations of our residential mortgage borrowers and business partners through superior service, simple processes, and clear communication. We do this by empowering our employees, encouraging innovative solutions and recognizing great performance. Primary Function The Underwriter III is responsible for responding to internal and external customers on questions regarding loans underwritten by the company. This position will underwrite loans in a timely manner for completeness and compliance with company guidelines, polices, and procedures. This position will also provide training, guidance, and support for all team members. Principal Duties: - Review, analyze and make final determination on loan submissions using manual underwriting guidelines as well as validating recommendations. - Underwrite loans as determined by lending authority set by management. - Work with Lending Teams to identify potential solutions/alternatives for difficult/denied loan files. - Communicate with internal and external clients on inquiries on loans underwritten by Vendors. - Research and respond to team lead on loans requiring additional escalation and review and ability to summarize issues, concerns, and recommendations. - Proactively addresses underwriting submission deficiencies. - Provide back-up support to Team Leader as necessary to ensure efficient operations and smooth and timely flow of work. - Review and maintain guidelines to stay up to date with all requirements. - Maintain department resource library to maintain reference material. - Review of audit files for Quality/Funding issues to determine compliance and acceptance of loan. - Assist in correction of delivery violations and government ensuring deficiencies on specific files as required. - Analyze Trust agreements as needed. - Participate in the orientation of new personnel to ensure consistency. - Provide technical support for systems as necessary. - Ability to effectively and accurately convey information to others. - Performs related duties as assigned by management. Education and Experience - High School Diploma or equivalent required; 4-year college degree preferred. - 5+ years of underwriting experience with conforming and non-conforming loans. - Mortgage banking industry experience with Jumbo Loans and/or Government Products a plus. Knowledge, Skills, and Abilities - FHA and/or VA Designations Required - Ability to differentiate between first and second mortgage underwriting. - Ability to handle secure and private information. - Technical experience necessary: Windows, Excel, Word, PowerPoint, Underwriting software and systems. - Ability to stay current with the business environment within third party lending. - Excellent customer service skills and analytical skills. - Excellent verbal and written communication skills. - Ability to work independently and adapt to a constantly changing environment. - Ability to be a creative and innovative problem solver. Work Environment and Physical Requirements - Working on-site at assigned office location. - Regular and punctual attendance adhering to schedule established by leadership. - Flexibility to work occasional adjusted work schedules, overtime, and evening and/or weekend hours to meet deadlines or as business needs demand. - Working in a cubicle hub, maintaining focus on phone calls in a noisy environment within earshot of multiple other conversations. - Sedentary work in a stationary position at a cubicle for prolonged periods of time. - Constant repetitive motions required for operating a computer, such as typing and managing phone calls. - Constantly communicating effectively verbally in English, including accurately exchanging information with others following identification of correct procedures. REVISION HISTORY Last Updated: 10/11/2023 A good faith estimate of the compensation is: 60,800.00 - 99,960.00 Compensation for this position may also include other elements, including medical, financial, various paid time off benefits, and a bonus based on individual and company performance, variable or annual. Placement within the range will be based on a variety of factors, including but not limited to, skills, experience, qualifications, location, etc. Additional Information: While this description is intended to be an accurate reflection of the position’s requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary. All employees are required to have smart phones that meet Company security standards with the ability to install apps such as Microsoft Authenticator. Employment will be contingent on this requirement. Why Newrez We’re a great place to work because we invest in what matters: your career, your community, your wellbeing, and your future. Our total rewards package is designed to support your whole self. Company Benefits: We offer benefits, programs, and perks that support you in every aspect of your life. - Medical, dental, and vision insurance - Health Savings Account with employer contribution - 401(k) Retirement plan with employer match - Paid Maternity Leave/Parental Bonding Leave/Caregiver Leave - Adoption Assistance - Tuition & Certification reimbursement - Employee Mortgage Loan Program - The Newrez Employee Emergency and Disaster Fund is a program to support our team members experiencing hardships Newrez NOW: Through Newrez NOW, our Corporate Social Responsibility program, you’ll have opportunities to give back, lead, and make a difference. - 1 company-paid Volunteer Time Off day (with over 40,000 volunteer hours contributed since our inception) - Matching Gifts Program - dollar-for-dollar up to $1,000 - Access to grants, nonprofit resources, and volunteer opportunities - More than $6,000,000 donated since 2020 - 1 in 5 employees participates in at least one Employee Resource Group (ERG) Equal Employment Opportunity We're proud to be an equal opportunity employer- and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. 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