Leader Bank is looking for exceptionally dedicated team members to join one of the region's fastest growing community banks and mortgage lenders. At the time of its founding in 2002, Leader Bank had one branch office, $6.5 million in assets and 7 team members. Since then, the Bank has become one of the most successful banks in Massachusetts with $4 billion in assets, more than 400 team members, 6 branch offices, and annual mortgage originations of over $2 billion. Exemplary products and an innovative spirit have driven Leader Bank's rapid growth over the years, and our team members embrace these values. Our mission is to obsess over our clients, make them feel valued, and maintain long-term relationships with them by constantly enhancing our products and processes to always be improving our client experience. For our team members, Leader Bank prioritizes competitive compensation and benefits, a healthy work-life balance, and an environment that fosters diversity and inclusion. Summary Leader Bank has an immediate opening for a residential mortgage loan Underwriter. The Underwriter will demonstrate knowledge of the mortgage industry and assist with planning and reporting in accordance with Leader Bank, compliance with federal laws, corporate standards and generally accepted quality assurance and underwriting principles. Responsibilities - Reviewing, examining, and underwriting loans to ensure soundness, accuracy, business value and compliance with the standards of both Leader Bank, our corresponding investors. - Evaluating debt ratio, loan-to-value ratios, credit score, property valuation and various other factors (including risk issues and potential fraud) - Assisting in identifying, recommending and/or negotiating alternative loan requirements, funding and/or loan-structuring solutions. - Reviewing and analyzing special conditions, loan deficiencies and exception requests to determine the appropriate action. - Coaching field personnel and brokers on technical underwriting issues, problems and/or questions. - Regularly exercising discretion and independent judgment in addressing critical business matters that have a significant financial impact. Qualifications - Minimum of two years underwriting experience. - Experience in underwriting FHA loans. (preferred) - Experience underwriting condominiums. (preferred) - Understand the legal, regulatory, economic, competitive, and technological environments which potentially affect various real-estate lending programs. - Flourish in a fast-paced inside sales workplace environment. - Possess extensive understanding of underwriting systems and their components. - Have computer skills. - Advanced customer-interface skills. - Possess excellent analytical, interpersonal and communication skills (both written and verbal) The base salary range below represents the low and high end of the Leader Bank salary range for this position. Actual salaries will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. Salary Minimum: $65,443.00 - Salary Max: $98,165.00 The range listed is just one component of Leader Bank's total compensation package for team members. Other rewards may include annual bonuses, commissions, short- and long-term incentives, and program-specific awards. In addition, Leader Bank provides a variety of benefits to eligible team members, including health insurance coverage, a team member wellness program, life and disability insurance, a retirement savings plan, paid holidays and paid time off and vacation. Leader Bank, N.A., is an Equal Opportunity and Affirmative Action employer and does not discriminate on the basis of race, color, religion, age, gender, marital status, sexual orientation, national origin, disability, military status, veteran status or any other protected class. Leader Bank is an E-Verify® participant. * For more information, click on the links below: https://www.everify.gov/sites/default/files/everify/images/manuals/EVParticipationPoster.JPG https://www.e-verify.gov/sites/default/files/everify/images/manuals/IERPoster.jpg * E-Verify® is a registered trademark of U.S. Department of Homeland Security

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.