Calculate premium rates for complex group insurance cases, coordinate account reporting accuracy, propose rates utilizing demographic data, and prepare annual settlements and reports to assess impact on benefits and plan changes.

• Support Commercial Underwriting in meeting growth/profitability objectives through underwriting content, communication and process and procedure development. • Drive continuous improvement and collaborate with various areas of the organization to develop and implement solutions aligned with UFG’s goals and business strategies. • Responsible for development, maintenance and governance of policies and procedures for the business to drive improvements in efficiency, cost-effectiveness, and internal/external customer service. • Collaborate with Regional Offices, Portfolio Management, Product Development, Analytics, Claims, Enterprise Change Management, Marketing, Corporate Line of Business and Segment leaders, and other business partners to develop and implement solutions that align with the organization’s goals. • Drive continuous improvement for Commercial Underwriting by providing analysis and decision support to the business to help deliver key business priorities. • Collaborate with multiple disciplines to gather information, perform analysis, and make recommendations to management. • Lead the development and implementation of business process workflows that define process expectations and accountabilities to support changes in risk appetite or other initiatives. • Drive development and publication of necessary tools, resources, and job aids that teach underwriters, underwriting associates, and support personnel to process new business, renewal, and endorsement transactions. • Build and maintain centralized processing documentation including, but not limited to training, best practices, and risk appetite guides. • Lead strategy sessions with internal business partners to identify trends and leading performance gaps across the UFG property and casualty book of business, including addressing opportunities identified during the Quality Assurance process. • Understand business needs and consults and partners with business leaders in planning projects and programs that strengthen commercial underwriting. • Provide change management support to Commercial Insurance through the planning, preparation, and support to encourage and foster adoption and utilization of changes to technology and business processes. • Prepare detailed presentations in written and graphic report form to be presented to leadership team.

• Completing the final underwriting review of the Conforming loans by thoroughly examining collateral and basic credit documents to ensure loans are prepared for closing in accordance with agency guidelines. • Analyzing collateral documents such as title, tax certificate, appraisals, and homeowner’s insurance policies to access their influence on Underwriting decisions. • Through review of the Automated Underwriting System during final review and ensure that any red flags or special messages are addressed before issuing final review. • Ratio calculation during final approval and ensuring the ratio of Loan Origination Software matches with the Automated Underwriting System. • Meet production goals while maintaining quality and compliance. • Uncover any undisclosed debt or other missing financial information and ensure there is not any potential fraud present in the loan application. • Collaborating with Loan team, Underwriters, Collateral, and other cross functional teams to ensure pending loan tasks are completed. • Maintain acceptable Quality control standard. • Reviewing and clearing the tasks related to Credit, income and assets required before Final approval can be issued.

• Check initial mortgage applications to make sure all the necessary information is filled out correctly and completely. • Confirm that the applicant's credit reports, income proof (like pay stubs or tax returns), bank statements, and purchase agreements are correct and match the application. • Carefully enter information from mortgage documents into the company’s systems and underwriting tools, making sure all data is accurate and up to date. • Upload and organize the correct documents in the company’s internal systems and portal used for the underwriting process. • Ensure all application review work follows company policies, underwriting rules, and legal regulations in the mortgage industry. • Work closely with applicants and Mortgage Ops team and other team members to ask for missing documents, explain decisions, and give updates on the application status. • Maintain clear and accurate records of what documents were approved or rejected, the reasons why, and what additional information is needed. • Keep yourself updated on any new industry practices, rule changes, or underwriting trends to do the job better. • Share your feedback and ideas to make the application review process faster, more efficient, and better for the customer.