Role Description The Real Estate Underwriter will support the acquisition and finance teams and perform tasks such as: - Financial analysis and modeling - Market research and analysis - Organizing and maintaining the acquisition pipeline The role requires effective communication, both internally and externally. The successful candidate will be a self-starter, comfortable working in a collegial, team environment with minimal day-to-day oversight. The Real Estate Underwriter will report to the Managing Director, Acquisitions. The Real Estate Underwriter will join our team remotely from the Philippines and will work during US Pacific Standard Times zone business hours. Responsibilities - Perform financial analysis and real estate underwriting on potential investment opportunities. - Assist in reviewing offering memoranda and other seller-provided materials such as income statements, balance sheets, and cash flows. - Conduct efficient and relevant market research and analysis that will be included in presentations to support real estate investment decisions. - Prepare high caliber slide decks. - Perform market-level due diligence, including sale comps, lease comps, and investment trends. - Organize and maintain acquisitions pipeline. - Perform administrative support to the Acquisitions and Finance teams. Qualifications - A bachelor’s degree in real estate, finance and/or accounting a plus. - MBA degree preferred. - 2-5 years of experience in real estate asset management, finance and/or acquisitions. - Comfort and proficiency in underwriting and analyzing real estate opportunities. - Experience with quantitative, spreadsheet evaluations, and/or analysis (return on investment, cash flow, net operating income). - Advanced Excel modeling skills required. - Strong organizational, time management, verbal and written skills. - Strong desire to succeed and ability to work effectively with minimal oversight, while functioning in a team environment. - Ability to generate high quality, error-free work product for internal and external distribution on tight deadlines with minimal oversight. - Unquestionable integrity and ethics. - A “Team Player” mentality, with a passion for brainstorming, problem solving, and independent thinking. - Passion for commercial real estate and desire to grow with an exceptional team. Benefits - Generous consulting fee & benefits package. - Opportunity for development and stability within a well-capitalized, entrepreneurial, and growing real estate investment group.

Company Overview FOCUS provides cloud-based, core administration solutions (FOCUS Tech) and services (FOCUS Insurance Services) for P&C insurance companies and MGAs. Using decades of industry experience, FOCUS is taking the risk out of insurtech for small, mid-size, and growth-focused insurance organizations. When you join FOCUS, you immediately become one of our most valued components – and we’re committed to investing in you. That means you can look beyond the paycheck and excellent benefits to an environment that will help you grow and achieve your professional goals through development and advancement opportunities and the support of our outstanding leaders and teammates. While we do not have an active opening for this role currently, we are always interested in connecting with talented professionals and building a pipeline for future opportunities. We encourage you to apply, and if a position becomes available that aligns with your background and experience, a recruiter will be in touch. The Bilingual - Underwriter I - Commercial Lines - Worker's Comp plays a vital role in supporting the underwriting and servicing needs of our commercial insurance clients. This position is responsible for providing concierge-level service to insureds and agents by managing small to mid-sized commercial lines accounts. Core responsibilities include processing policy transactions with underwriting authority, managing endorsement requests, handling certificates of insurance, responding to service inquiries, and proactively identifying cross-sell opportunities. The role requires a high level of accuracy, efficiency, and professionalism in a fast-paced, customer-focused environment. Key Responsibilities: - Underwrite and process commercial lines endorsements within assigned authority levels. - Accurately issue certificates of insurance in accordance with client guidelines and state regulations. - Review and respond to policy-related inquiries received via phone and email, ensuring timely and thorough resolution. - Manage tasks and service requests indexed through the email and call systems, ensuring timely follow-up and closure. - Support proactive policy renewals by reviewing account status and coverage adequacy prior to outreach. - Answer inbound phone calls from agents, policyholders, and other stakeholders regarding billing, policy documents, and claims setup. - Cross-sell additional lines of coverage when appropriate, in alignment with client and company goals. - Maintain clear and accurate documentation of all interactions and underwriting decisions in applicable systems. - Monitor outstanding items and follow through on pending requests until resolution, ensuring exceptional customer experience. - Establish and maintain positive working relationships with agents, underwriters, and other internal teams. Required Skills & Qualifications: - Active Property & Casualty Insurance License required; must be able to obtain licensing in all 50 states. - Strong knowledge of commercial lines insurance products and underwriting principles. - Exceptional communication skills, both verbal and written. - High attention to detail with strong organizational and time management abilities. - Proficient in agency management systems such as EZLynx and policy administration platforms. - Ability to multitask and prioritize work in a dynamic, fast-paced environment. Education & Experience: - Associate or bachelor’s degree preferred. - 3–5 years of experience servicing or underwriting commercial property & casualty insurance policies. - Bilingual Spanish or Mandarin - Prior experience in an agency or carrier environment with demonstrated customer service skills. - Call center or high-volume client service experience is a strong plus. Work Environment & Physical Requirements: - Remote work schedule with flexibility required to support extended business hours (up to 8:00 PM ET). - Prolonged periods of sitting and computer use. - Occasional lifting up to 10 lbs. - Ability to speak clearly over the phone and manage multiple systems simultaneously. Disclaimer: This job description is intended to describe the general nature and level of work being performed. It is not an exhaustive list of all responsibilities, duties, and skills required. Responsibilities may change or be assigned at any time with or without notice. Why join the FOCUS Team? The FOCUS Difference: - Medical, Dental, Vision, Life, Pet; Flexible Spending Account - Competitive Salaries - 401K Match - Work-Life Balance: Personal Days, PTO Days, 12 Paid Holidays, Two Paid Days for Volunteer Service, Paid Parental Leave - Short and Long-Term Disability - Employee Support Programs, Including Mental Health - Tuition Reimbursement - Matching Charitable Gift Program - Lucrative Referral Program - Commuter Benefits - Flexibility: Remote and Hybrid Opportunities Available This position is not able to be performed in California, Colorado, New York or Washington. EEO Team Focus Insurance Group is an equal opportunity employer that does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, veteran status, marital status, or any other protected characteristic. Our hiring practices ensure that all qualified applicants receive fair consideration without regard to these characteristics. Disability Team Focus Insurance Group is committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities. If you require reasonable accommodations to participate in the application or interview process, please contact our HR department at hrinfo@peak6insurtech.com. We will work with you to provide the necessary accommodations to ensure your full participation in our hiring process. Note to applicant: It is unlawful in Massachusetts and Maryland to require or administer a lie detector test as a condition of employment or continued employment. Please know that our company does not use lie detector tests in our hiring process.

Work Location: Jacksonville, Florida, United States of America Hours: 40 Pay Details: $43.75 - $70.00 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Credit ManagementJob Description: The Underwriter IV underwrites and evaluates the most complex conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with bank policies and procedures. This job also underwrites and evaluates Home Equity and Consumer Loans. Depth & Scope: - Underwrites complex residential mortgage loans and evaluates risk while ensuring the quality of each loan submitted - Senior level loan decision authority, reviews and underwrites most complex portfolio loans – CEMA, Med/Pro, Construction, Jumbo and Wealth - Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures within risk tolerance - Independently considers, recommends and discusses alternative structures and overall assessments - Evaluates all documents and conditions loan accordingly - Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation; clears or resolves any issues - Escalates integrity issues as appropriate and ensures files are compliant to internal guidelines and external regulatory requirements - Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements. - Indirect supervisory authority; coaches and mentors junior underwriters; assists with training and assesses analysis prepared for accuracy and compliance with policy, guidelines and procedures in all prepared loan recommendations to arrive at an appropriate credit decision - Obtains and reviews financial information and provide in-depth credit analysis practices - Acts as a subject matter expert in the most complex lanes or work Education & Experience: - 4 Year Degree or equivalent experience preferred - 5-7 Years of related experience - Strong knowledge of local market sector and industry trends - Ability to understand and interpret real estate appraisals - Ability to identify, analyze and mitigate project risks - Advanced written and verbal communication skill - General knowledge of Microsoft Office Suite - Strong interpersonal and negotiation skills - Strong Focus on documentation and risk management - Demonstrated ability to complete complex tax return analysis to determine cash flow income - History of underwriting complex jumbo loans in addition to thorough knowledge of agency guidelines Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% - Domestic Travel – Occasional - International Travel – Never - Performing sedentary work – Continuous - Performing multiple tasks – Continuous - Operating standard office equipment - Continuous - Responding quickly to sounds – Occasional - Sitting – Continuous - Standing – Occasional - Walking – Occasional - Moving safely in confined spaces – Occasional - Lifting/Carrying (under 25 lbs.) – Occasional - Lifting/Carrying (over 25 lbs.) – Never - Squatting – Occasional - Bending – Occasional - Kneeling – Never - Crawling – Never - Climbing – Never - Reaching overhead – Never - Reaching forward – Occasional - Pushing – Never - Pulling – Never - Twisting – Never - Concentrating for long periods of time – Continuous - Applying common sense to deal with problems involving standardized situations – Continuous - Reading, writing and comprehending instructions – Continuous - Adding, subtracting, multiplying and dividing – Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Work Location: Jacksonville, Florida, United States of America Hours: 40 Pay Details: $43.75 - $70.00 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Credit ManagementJob Description: The Underwriter IV underwrites and evaluates the most complex conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with bank policies and procedures. This job also underwrites and evaluates Home Equity and Consumer Loans. Depth & Scope: - Underwrites complex residential mortgage loans and evaluates risk while ensuring the quality of each loan submitted - Senior level loan decision authority, reviews and underwrites most complex portfolio loans – CEMA, Med/Pro, Construction, Jumbo and Wealth - Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures within risk tolerance - Independently considers, recommends and discusses alternative structures and overall assessments - Evaluates all documents and conditions loan accordingly - Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation; clears or resolves any issues - Escalates integrity issues as appropriate and ensures files are compliant to internal guidelines and external regulatory requirements - Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements. - Indirect supervisory authority; coaches and mentors junior underwriters; assists with training and assesses analysis prepared for accuracy and compliance with policy, guidelines and procedures in all prepared loan recommendations to arrive at an appropriate credit decision - Obtains and reviews financial information and provide in-depth credit analysis practices - Acts as a subject matter expert in the most complex lanes or work Education & Experience: - 4 Year Degree or equivalent experience preferred - 5-7 Years of related experience - Strong knowledge of local market sector and industry trends - Ability to understand and interpret real estate appraisals - Ability to identify, analyze and mitigate project risks - Advanced written and verbal communication skill - General knowledge of Microsoft Office Suite - Strong interpersonal and negotiation skills - Strong Focus on documentation and risk management - Demonstrated ability to complete complex tax return analysis to determine cash flow income - History of underwriting complex jumbo loans in addition to thorough knowledge of agency guidelines Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% - Domestic Travel – Occasional - International Travel – Never - Performing sedentary work – Continuous - Performing multiple tasks – Continuous - Operating standard office equipment - Continuous - Responding quickly to sounds – Occasional - Sitting – Continuous - Standing – Occasional - Walking – Occasional - Moving safely in confined spaces – Occasional - Lifting/Carrying (under 25 lbs.) – Occasional - Lifting/Carrying (over 25 lbs.) – Never - Squatting – Occasional - Bending – Occasional - Kneeling – Never - Crawling – Never - Climbing – Never - Reaching overhead – Never - Reaching forward – Occasional - Pushing – Never - Pulling – Never - Twisting – Never - Concentrating for long periods of time – Continuous - Applying common sense to deal with problems involving standardized situations – Continuous - Reading, writing and comprehending instructions – Continuous - Adding, subtracting, multiplying and dividing – Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.