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.

Application Deadline: 03/29/2026 Address: VIRTUAL(U)13 - HomeRes - IL Job Family Group: Customer Solutions Come join a culture that is about so much more than the bottom line. Be a part of a team that celebrates big ideas, supports your personal and professional growth, and makes a real impact in local communities. At BMO, you will enjoy work that makes a difference; help us live our Purpose: To Boldly Grow the Good in Business and Life. Our Commercial Underwriter analyzes new customer credit applications. Makes credit decisions / recommendations in accordance with credit-granting principles. - Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs. - Provides advice and guidance to assigned business/group on implementation of solutions. - Supports the execution of strategic initiatives in collaboration with internal and external stakeholders. - Helps determine business priorities and best sequence for execution of business/group strategy. - Conducts independent analysis and assessment to resolve strategic issues. - Collaborates with internal and external stakeholders to deliver on business objectives. - Ensures alignment between stakeholders. - Breaks down strategic problems, and analyses data and information to provide insights and recommendations. - Designs and produces regular and ad-hoc reports, and dashboards. - Monitors and tracks performance and addresses any issues. - Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives. - Supports the development of tailored messaging, which may include writing, editing, and distributing communications. - Executes routine tasks (e.g. service requests, transactions, queries etc.) within relevant service level agreements. - Provides input into the planning and implementation of operational programs. - Adjudicates new credit applications within defined limits or recommends credit products based on sound credit granting principles. - Completes credit analyses to adjudicate credit applications. - Responds to incoming inquiries in a prompt and professional manner and escalates issues to superiors or other departments. - Assists customers and conducts all credit and related transactions. - Keeps current with established processes, policies, and regulations, and knowledge of products, credit policies, services, and relevant legal, regulatory, and technology requirements. - May contact customers to obtain, clarify, or confirm information. - Applies and documents sound credit granting applications and lending decisions. - Follows security and safeguarding procedures to reduce credit/lending risks. - Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus. - Exercises judgment to identify, diagnose, and solve problems within given rules. - Works independently on a range of complex tasks, which may include unique situations. - Broader work or accountabilities may be assigned as needed.Qualifications: - Typically between 8+ years of relevant experience and post-secondary degree in Business or a related field of study or an equivalent combination of education and experience. - 8+ years of mortgage underwriting experience - required. - Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) in the U.S. - required. - Strong comprehension of HUD Handbook 4155.1 and 4155.2 in the U.S. - required. - Prior relationship management experience - preferred. - Expertise in credit and lending products, related regulatory requirements, and secondary market guidelines. - Experience with web-based approval systems (DU/LP) - required. - In-depth pipeline management - required. - Strong comprehension of complicated income structures, including income from multiple sources (e.g. self-employment, rental or trust income, etc.). - In-depth knowledge of competitive marketplace and trends in product offerings. - Ability to identify/manage potential risk. - In-depth knowledge of cash flow, credit, and evaluating collateral. - In-depth knowledge of complex credit request structures that minimize risk while providing business value to the customer. - Working knowledge of credit policies, procedures, principles, and philosophy. - Thorough knowledge of software used to capture credit applications. - Strong ability to analyze complex financials and tax returns. - Strong familiarity with credit financial analysis techniques. - Technical proficiency gained through education and/or business experience. - Verbal & written communication skills - In-depth. - Collaboration & team skills - In-depth. - Analytical and problem solving skills - In-depth. - Influence skills - In-depth. - Data driven decision making - In-depth. Salary: $63,300.00 - $117,200.00 Pay Type: Salaried The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards About Us At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset. To find out more visit us at http://jobs.bmo.com/us/en BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

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. #LI-AC1

Title: Senior Underwriter, Middle Market Multi-Industry Location: Kansas City United States Job Description: Description We are seeking an experienced Middle Market Senior Underwriter to underwrite commercial property & casualty risks in the middle market segment. As an individual contributor, you will make analytical, data-driven underwriting decisions within delegated authority, with limited guidance from leadership. You will evaluate and price moderately complex to complex accounts (including high individual line sizes and unusual exposures in parts of North America), manage broker and client relationships, and help shape product and portfolio strategy for your line of business. To be considered for this role, candidates must reside within the specified geographic location. This position requires regular in-person visits with local brokers and agents, so remote hires outside the designated territory cannot be accommodated. Key Responsibilities - Underwrite middle market commercial accounts within assigned authority by assessing submissions, reviewing coverage terms, exposures, loss history, financials, and supporting information to determine accept/decline, terms, and pricing. - Make independent, data-driven decisions on risk selection and pricing consistent with underwriting appetite and profitability objectives. - Coordinate referrals for accounts above individual authority or that require specialized support. - Manage a portfolio of brokers, agents, and insureds: - Maintain and grow relationships with producing brokers and agents; act as a visible Liberty representative in the market. - Develop targeted broker strategies to source profitable middle market business and expand market share. - Provide timely, clear responses to brokers and clients; negotiate coverage and terms while protecting portfolio profitability. - Underwrite higher-limit, complex, or unusual submissions typical to middle market clients (specialty exposures, large single-location risks, multi-location schedules, or industry-specific hazards). - Engage internal partners (Claims, Actuarial, Risk Control, Legal) to structure appropriate terms and risk mitigation plans. - Mentor and coach junior underwriters and new hires on middle market underwriting practices, decision-making, and Liberty processes Qualifications - Degree in Business or equivalent typically required - A minimum of 2.5 years, typically 3 or more years, of progressive underwriting experience and/or other related experience - CPCU or professional insurance designation preferred - Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility that includes competence with all phases and aspects of the underwriting process, and proficiency in the use of qualitative and quantitative tools and techniques - Must demonstrate comprehension of complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues - Proven track record of developing and underwriting profitable business About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://LMI.co/Benefits Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices - California - Los Angeles Incorporated - Los Angeles Unincorporated - Philadelphia - San Francisco