Role Description The Executive Reinsurance Underwriter is responsible for providing strategic direction for high-level reinsurance underwriting decisions, shaping complex coverage terms, conditions, and pricing strategies, for the reinsurance portfolio. The role engages in strategic negotiations, leads business development, growth of reinsurance book of business and contributes to long-term profitability and market positioning. They ensure alignment with corporate objectives, drive innovation in underwriting practices, and adopt advanced technologies for enhanced efficiency. Job Responsibilities: - Delivers profitable growth through effective risk selection, premiums, coverage, and drives remediation strategies for Reinsurance business. - Makes high-level underwriting decisions for complex reinsurance coverage, setting overarching terms, conditions, and pricing strategies. - Grows reinsurance business with sourcing, underwriting, and execution of assumed reinsurance business through other channels. - Provides strategic direction and ensures the reinsurance underwriting practices comply with evolving regulatory requirements and industry standards. - Oversees the entire portfolio. - Partners with senior management to set clear objectives and strategies. - Manages annual budget process and assists in strategic matters relevant to the overall direction of the portfolio. - Reviews reinsurance proposals, ensures accuracy and completeness of information, and conducts due diligence on the cedent's underwriting practices. - Underwrites reinsurance policy renewals, considering changes in risk factors, market conditions, and cedent performance. - Evaluates risks associated with reinsurance proposals, considering factors such as the cedent's portfolio, underwriting guidelines, and exposure limits. - Develops the annual plan, conducts in-depth strategic market analysis, and provides insights into emerging trends, opportunities, and potential threats. - Drives innovation in reinsurance underwriting practices, exploring and implementing new methodologies, technologies, and approaches to enhance competitiveness and efficiency. - Manages relationships with key clients, brokers, and industry partners, ensuring the organization is positioned as a key player in the reinsurance market. - Leads crisis management efforts related to significant reinsurance events, developing and implementing strategic risk mitigation plans to safeguard the organization's financial stability. - Prepares and presents strategic reports on reinsurance activities, performance metrics, and market trends to the executive leadership, offering insights and strategic recommendations. - Coaches the reinsurance underwriting staff, identifies and adopts technologies and analytical tools that enhance the efficiency and capabilities of the reinsurance underwriting function. Qualifications - Bachelor’s degree required, Master’s degree preferred; Statistics, Economics and Risk Management preferred. Any other related discipline or commensurate work experience considered. - 12+ years of experience in Reinsurance Underwriting with a Bachelor’s degree, or 8 years and a Master’s degree. Requirements - State P&C and/or surplus line licenses required. - Associate in Reinsurance (ARE), or Associate in Risk Management (ARM) is a plus. Benefits - Comprehensive and best-in-class benefits package. - Paid time off for company holidays, vacation, sick and personal days. - Paid parental leave. - Mental health services.

Role Description The Junior Government Underwriter is responsible for reviewing and decisioning Government loans and clearing conditions. - Fully underwrite VA IRRRL loans and FHA Streamline loans. - Meet minimum production requirements set forth by department manager. - Review loan documentation for accuracy and make updates as needed, including but not limited to: - Review documentation within the LOS for credit approval. - Review documents returned from processing and update conditions as needed. - Review the loan, determining what additional documentation is needed. - Communicate directly with the branch, Underwriting, and management team via phone or email when necessary. - Maintain SLAs on all reviews. - Ensure compliance with federal and state laws and regulations, private investor requirements, and company policies and procedures. Qualifications - High School Diploma, or equivalent. - A minimum of 2 years of processing experience in the retail mortgage lending industry. - Experience with Encompass. - Working knowledge of FNMA/FHLMC eligibility guidelines. - Proficiency in Microsoft Office Suite (Outlook, Word, Teams, and Excel). - Excellent communication skills. - Excellent prioritization and time management skills to meet deadlines. - Excellent attention to detail and analytical skills. Requirements - Hourly Rate: 26.44 - 27.88 - The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position. Benefits - Competitive compensation plan. - Robust benefits package, including medical, dental, and vision. - 401K. - Company-provided short-term disability. - Employee assistance program. - Wellness program.

We’re thrilled that you are interested in joining us here at the Amynta Group! ---- The Amynta Group (the “Company”) is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of any ground of discrimination protected by applicable human rights legislation. The information collected is solely used to determine suitability for employment, verify identity and maintain employment statistics on applicants. Applicants with disabilities may be entitled to reasonable accommodation throughout the recruitment process in accordance with applicable human rights and accessibility legislation. A reasonable accommodation is an adjustment to processes, procedures, methods of conveying information and/or the physical environment, which may include the provision of additional support, in order to remove barriers a candidate may face during recruitment such that each candidate has an equal employment opportunity. The Company will accommodate a candidate to the point of undue hardship. Please inform the Company's personnel representative if you require any accommodation in the application process.

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 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: - Well versed with FNMA. FHLMC and investor guidelines, able to review and locate exact guidelines for decision making - Should have good analytical and problem-solving skills - Manage end-to-end underwriting processes, primarily focusing on conventional loans. - Accurately calculate different Income types such as Salaried, Self-Employment, other income and rental income for loan decisioning - Should have decision-making skill when applying in business judgment based on Underwriting review - Evaluate complete loan documents and should provide approval or denial decision - Complete review of credit report to verify trade lines, derogatory accounts, public records and credit reconciliation, calculate HTI/DTI - Complete review of Collateral and property valuation to identify physical and market conditions of property - Assets verification includes borrower’s bank account statement, retirement accounts, mutual funds and other investments. Identify red flags, large deposits, regular deductions on bank statement - Apply expertise in the 4 C's of underwriting (Credit, Capacity, Collateral, and Capital) - Evaluating evidence of borrower’s willingness and ability to repay the obligation - Good communication, Presentation skills, Self-motivated and hard working - Able to review investor guidelines (Allregs – FNMA & Freddie) and client overalls. 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.