• Ensures implementation of required regulatory changes • Acts as an advisor to underwriting peers • Translates key trends into actionable insights for change • Collaborates with business partners to drive requirements

Summary: The Conventional Underwriter is responsible for performing a comprehensive review and analysis of mortgage loan files to make informed lending decisions. This role primarily focuses on conventional loans, Closed End Second, and VA IRRRL loan products. The ideal candidate will be well-versed in FNMA, FHLMC, and investor guidelines and possess strong analytical, decision-making, and communication skills. Essential Job Duties and Responsibilities: - Review and underwrite loan files with a focus on the 4 Cs: Credit, Capacity, Collateral, and Capital. - Evaluate loan applications to determine borrower qualification, including creditworthiness and ability to repay. - Accurately calculate various income types including salaried, self-employed, rental, and other income. - Analyze assets including bank statements, retirement accounts, mutual funds, and other investments. Identify red flags, large deposits, and unusual activity. - Complete detailed credit analysis, including review of credit reports, trade lines, derogatory accounts, public records, and DTI/HTI calculations. - Review collateral and property valuation reports to ensure compliance with investor and company guidelines. - Provide timely and accurate underwriting decisions (approve, suspend, or deny) and clearly document rationale. - Review initial submissions and re-submissions and clear conditions within established SLAs. - Apply current investor guidelines using resources such as AllRegs (FNMA/FHLMC) and client overlays. - Collaborate with processors, closers, and other departments to ensure smooth and timely loan processing. - Maintain high-quality underwriting standards and compliance with regulatory requirements. - Comply with all company policies and procedures. - Maintain regular and punctual attendance. Other Job Duties and Responsibilities: Performs other related duties as assigned. Supervisory Responsibilities: - This position is an individual contributor. Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Education and/or Experience: - Bachelor’s Degree from a Four (4) year College or University. - 5+ years of conventional mortgage underwriting experience. - In-depth knowledge of FNMA, FHLMC, and investor guidelines. - Strong analytical and problem-solving skills. - Ability to exercise sound business judgment and make appropriate credit decisions. - Experience underwriting loan types such as Conventional, Closed End Second, and VA IRRRL. - Proficient in reviewing and interpreting income documentation (W-2s, tax returns, bank statements, etc.). - Familiarity with AllRegs and ability to locate and interpret guidelines. - Strong communication and presentation skills. - Self-motivated, detail-oriented, and able to work independently or as part of a team. - High level of integrity and a commitment to delivering quality work. Certificates, Licenses, Registrations: - None Required Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is normally performed in a typical interior office work environment which does not subject the employee to any hazardous or unpleasant elements. The noise level in the work environment is usually moderate. 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. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Equal Employment Opportunity: The company is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information, or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act: Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities: The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. The company may change the specific job duties with or without prior notice based on the needs of the organization

At Prime Therapeutics (Prime), we are a different kind of PBM, with a purpose beyond profits and a unique ability to connect care for those we serve. Looking for a purpose-driven career? Come build the future of pharmacy with us. Job Posting Title Underwriter - REMOTEJob Description The Underwriter is responsible for assisting in the development of the financial component of request for proposal (RFP) responses. This position will work with the Senior Underwriters and other internal divisions to coordinate the collection of the pertinent information needed to construct competitive offers, while meeting established financial targets. The Underwriter will serve as a consultant on matters pertaining to both financial and operational performance guarantees, while maintaining a positive working relationship with Sales, Client Engagement, Pricing, Trade Relations and other key business owners within Prime. Responsibilities - Gathers and examines appropriate documentation and data necessary to develop pricing in response to moderate to complex RFP's - Evaluates the utilization and financial experience of customers and prospects - Performs claims re-pricing analyses of moderately complex external claims data - Maintains appropriate documentation and provides reports as needed, including documenting all pricing decisions - Participates in development of methodologies, models, reports and strategies to support objectives of the position - Other duties as assigned Minimum Qualifications - Bachelor's degree in mathematics, accounting, or related area of study, or equivalent combination of education and/or relevant work experience; HS diploma or GED is required - 2 years of related work experience in Finance or Accounting - Must be eligible to work in the United States without need for work visa or residency sponsorship Additional Qualifications - In-depth knowledge of mathematical applications used in underwriting function is required, including the ability to calculate figures such as discounts, proportions and percentages, as well as the ability to apply basic concepts of business mathematics and algebra in underwriting problems - Ability to effectively present information and respond to questions in one-on-one or small group situations - Proficient in MS Office applications, particularly Excel, Word and PowerPoint Preferred Qualifications - Prior PBM experience - Knowledge of Salesforce.com Every employee must understand, comply with and attest to the security responsibilities and security controls unique to their job, and comply with all applicable legal, regulatory, and contractual requirements and internal policies and procedures Every employee must be able to perform the essential functions of the job and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential functions, absent undue hardship. In addition, Prime retains the right to change or assign other duties to this job. Potential pay for this position ranges from $59,000.00 - $94,000.00 based on experience and skills. To review our Benefits, Incentives and Additional Compensation, visit our Benefits Page and click on the "Benefits at a glance" button for more detail (https://www.primetherapeutics.com/benefits). Prime Therapeutics LLC is proud to be an equal opportunity and affirmative action employer. We encourage diverse candidates to apply, and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sex (including pregnancy), national origin, disability, age, veteran status, or any other legally protected class under federal, state, or local law.   We welcome people of different backgrounds, experiences, abilities, and perspectives including qualified applicants with arrest and conviction records and any qualified applicants requiring reasonable accommodations in accordance with the law. Prime Therapeutics LLC is a Tobacco-Free Workplace employer. Positions will be posted for a minimum of five consecutive workdays.

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture. Hanover Retail Excess & Surplus (E&S) is seeking to add an Excess & Surplus Underwriter Specialty to our dynamic team. At the Hanover we also understand that life and the workplace have changed so we are reimagining the workplace and provide flexible work arrangements. This position can be located anywhere within the US and can be 100% remote. The Hanover is a diverse and inclusive organization focused on hiring the best talent and we encourage all qualified professionals to apply. We believe that an inclusive and diverse workplace make us a better organization and creates a stronger community. POSITION OVERVIEW: Hanover Retail E&S is seeking to add an Excess and Surplus Lines (E&S) Underwriter Specialty to its growing Team. Hanover Retail E&S transacts business with appointed retail trading partners, and the position will be responsible for a renewal book of business consisting of mono-line commercial general liability, commercial property, package, and supported excess liability risks to determine acceptability for quoting and binding business within the underwriting authority granted by the Company. This position is a market facing role with frequent interaction with appointed retail trading partners. This position requires strong communication, negotiation, relationship development and analytical skills to transact business within the fast-paced E&S environment. We are seeking an experienced E&S professional with a high technical acumen; collaborative spirit and a strong Property & Casualty underwriting skill set; basic property underwriting experience would be a plus. This position works in a team environment and will collaborate to underwrite and service accounts for our appointed retail trading partners. Business development activities include close collaboration with other internal business units in developing agency relationships, strategies, account coordination, executing on sales and marketing activities that demonstrate and support a strong customer focus that ultimately reinforces Hanover Retail E&S appetite and strategy. THIS IS A FULL-TIME, EXEMPT ROLE. IN THIS ROLE YOU WILL: - Analyze, evaluate, accept, rate, quote and bind renewal E&S business according to underwriting authority granted by the Company. - Review mid-term endorsement requests and loss control reports. - Drive production and marketing activities to achieve individual goals while maintaining underwriting integrity and overall profitability. - Develop and maintain professional relationships with appointed retail trading partner firms to generate a strong flow of quality new business opportunities, as well as execute on portfolio management objectives to manage the overall quality of the book of business handled. - Facilitate cross-sell opportunities within The Hanover enterprise including Middle Market, Small Commercial and other specialty business units. - Meet production and marketing goals while maintaining underwriting integrity and overall profitability. - Exhibit thorough working knowledge of sound underwriting principles, policies, procedures, and controls. - Keep current on issues affecting the E&S lines of business, as well as competitors and the overall marketplace. - Coach and mentor other team members on the team as needed, as well as support and contribute to the development of more junior underwriters and underwriting assistance. - Provide a high level of customer service by timely response to our retail agents requests and deadlines. - Create, drive and execute on strategies for renewal accounts (prospective book management, executing on the territorial and retail trading partner plans, etc.). - Know The Hanover’s value proposition to best position us for success and be professionally demanding and accountable. WHAT YOU NEED TO APPLY: - Bachelor’s Degree or equivalent experience - A minimum of 2 – 5 years of commercial E&S insurance experience required. - 2 -5 + years’ experience driving agency relationships resulting in profitable new and renewal business as well as complex accounts. - Excellent organizational, desk management and prioritization skills with the ability to work independently and as part of a team. - Must be positive, self-motivated, and possess strong interpersonal, communication and presentation skills. - Possess strong technical, analytical and quantitative skills. - Excellent oral and written communication skills. - Solution oriented team player with a strong relationship management skill set working with both internal and external stakeholders and customers. - Must be customer focused. - Strong organization and prioritization skills. - Proficient in Microsoft Office products to include Word, Excel and Outlook. - ASLI, CPCU, ARM or other relevant professional designation preferred, but not required. - College degree required. CAREER DEVELOPMENT: It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop. BENEFITS: We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed. Benefits include: - Medical, dental, vision, life, and disability insurance - 401K with a company match - Tuition reimbursement - PTO - Company paid holidays - Flexible work arrangements - Cultural Awareness Day in support of IDE - On-site medical/wellness center (Worcester only) - Click here for the full list of Benefits EEO statement: The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.” As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at:HRServices@hanover.com and include the link of the job posting in which you are interested. Privacy Policy: To view our privacy policy and online privacy statement, click here. Applicants who are California residents: To see the types of information we may collect from applicants and employees and how we use it, please click here. Compensation: The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.