This is a remote role open to any location in continental US Manulife is a leading international financial services provider, helping people make decisions easier and lives better. Help shape the future you want to see — and discover that better can take you anywhere you want to go. The Senior Underwriting Consultant is responsible for evaluating applications of the highest financial impact and complexity. The incumbent will analyze decisions without compromising overall underwriting policies and should have the ability to work independently and guide more junior colleagues. Position Responsibilities: - In addition to those performed by Underwriter Consultants - identify and provide solutions to work related problems and issues (i.e. Work flow, systems). - Negotiate and manage time and resources to meet deadlines and service times. - Provide training and act as an information resource for more junior underwriters. - May process all aspects of auditing, formal appeal reviews and contestable claim review. - Audit applications underwritten to ensure underwriting decisions, correspondence and administrative processing have been followed in accordance with established guidelines and policies. - Audit medical record summaries to ensure documentation is in accordance with our established guidelines. - Assist management with various research projects pertaining to risk assessment. - Process formal underwriting appeals and complaints. - Review underwriting fraud referrals for appropriateness and assist management with book of business reviews. - Review contestable claims for potential misrepresentation during underwriting. - Maintain good relationships within a self-directed team environment. - Project a professional image and serve as an example to junior staff. - Manage all aspects of underwriting process for most complex cases. - Serve as a subject matter expert for more junior colleagues and management. - Process formal underwriting appeals and complaints. - Manage underwriting fraud referrals for appropriateness and assist management with book of business reviews. - Assist management with staff training and consults. Required Qualifications: - College graduate or business equivalent. - Preferably 7 or more years of underwriting experience or exposure. - Strong knowledge of underwriting function; Sound knowledge of John Hancock's various businesses. - Strong knowledge of referral areas. - Strong organizational, communication and interpersonal skills. - Strong analytical skills; ability to define, research and resolve problems. - Excellent ability to create and maintain customer relationships. - Ability to prioritize and work effectively under deadlines balancing published service times with an appropriate customer focus. - Strong ability to comprehend, retain and apply current technical information to daily work issues. - Strong knowledge of company plans, riders, benefits and illustrations. - Strong knowledge of medical science, technology and terminology and their impact on morbidity. When you join our team: - We’ll empower you to learn and grow the career you want. - We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words. - As part of our global team, we’ll support you in shaping the future you want to see. #LI-JH #LI-Remote The role being advertised is an existing vacancy. About Manulife and John Hancock Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html. Manulife is an Equal Opportunity Employer At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law. It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact hr@manulife.com. Referenced Salary Location USA, Massachusetts - Full Time Remote Working Arrangement Remote Salary range is expected to be between $92,475.00 USD - $160,290.00 USD Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact hr@manulife.com for the salary range for your location. Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence. We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement. Know Your Rights I Family & Medical Leave I Employee Polygraph Protection I Right to Work I E-Verify Company: John Hancock Life Insurance Company (U.S.A.)

Description The role is responsible for acting as a single point of contact for Loss Mitigation activities. This role works directly with borrowers experiencing financial hardships to identify homeownership retention options for eligible FNMA, FHLMC, USDA, FHA, and VA loans. Activities include, but not limited to, missing document follow-up, communicating approval and/or denial decisions associated with the Loss Mitigation evaluation, monitoring trial payment plans, and educating borrowers on Loss Mitigation programs in accordance with established investor/insurer, state, and federal guidelines/regulations. The SPOC will serve as a subject-matter-expert for assigned loan product(s) to ensure compliance with investor/insurer and/or regulatory guidelines by communicating with borrowers to explain loss mitigation options and how to apply for assistance, while properly documenting communications within the servicing system. Effectively communicate Loss Mitigation workout evaluation outcomes (approval or denial), including modifications, payment deferrals/partial claims, forbearance, short-sale and DIL workouts in accordance with investor/insurer guidelines, while maintaining a professional demeaner. Coordinate the receipt of all necessary documents and notify the borrower of any required documents necessary to complete the Loss Mitigation application. Effectively and independently manage an assigned work queue to ensure complete, accurate, and timely communications with the borrower. Assist with borrower mediations, meetings, and calls; provide loss mitigation options, communicate options, and follow up with borrows to obtain outstanding lien or judgment information. Assist with internal and external audit preparations, post-audit findings to investors, and any other exam activities, as assigned. Work with potential successors to educate them on documentation requirements to establish successor-in-interest status, including follow-up to communication to encourage the timely return of required documents. Review written communication prior to sending to borrowers’ for completeness and accuracy. Respond to escalated borrower phone calls and provide detailed, thorough explanations of denials and approvals, calculations, and criteria. Ensures compliance with applicable federal, state, and local laws and regulations. Completes all required compliance training. Maintain knowledge of and adhere to Guild’s internal compliance policies and procedures. Skills loss mitigation, customer service skills, loan documents, mathematics, mortgage Top Skills Details loss mitigation,customer service skills,loan documents,mathematics,mortgage Experience Level Intermediate Level Job Type & LocationThis is a Contract position based out of San Diego, CA. Pay and BenefitsThe pay range for this position is $24.00 - $24.00/hr. Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: • Medical, dental & vision • Critical Illness, Accident, and Hospital • 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available • Life Insurance (Voluntary Life & AD&D for the employee and dependents) • Short and long-term disability • Health Spending Account (HSA) • Transportation benefits • Employee Assistance Program • Time Off/Leave (PTO, Vacation or Sick Leave) Workplace TypeThis is a fully remote position. Application DeadlineThis position is anticipated to close on Apr 30, 2026. h4>About TEKsystems: We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company. The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law. About TEKsystems and TEKsystems Global Services We’re a leading provider of business and technology services. We accelerate business transformation for our customers. Our expertise in strategy, design, execution and operations unlocks business value through a range of solutions. We’re a team of 80,000 strong, working with over 6,000 customers, including 80% of the Fortune 500 across North America, Europe and Asia, who partner with us for our scale, full-stack capabilities and speed. We’re strategic thinkers, hands-on collaborators, helping customers capitalize on change and master the momentum of technology. We’re building tomorrow by delivering business outcomes and making positive impacts in our global communities. TEKsystems and TEKsystems Global Services are Allegis Group companies. Learn more at TEKsystems.com. The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

• Lead and mentor a team of underwriters, providing training and support to enhance skills and ensure high performance. • Oversee daily operations to maximize productivity, improve efficiency, and meet underwriting turn times and SLAs. • Monitor team performance, provide feedback, and conduct regular performance reviews with measurable goals. • Ensure underwriting quality through consistent quality checks and compliance with regulatory and company guidelines. • Act as the escalation point for complex or high-risk loan files and support second-level loan reviews. • Manage team pipelines during absences, ensuring uninterrupted loan processing. • Maintain up-to-date knowledge of industry regulations and company policies to ensure all mortgage applications are underwritten in accordance with current standards. • Additional responsibilities related to business needs.

Description Why Join Responsive? At Responsive, you’ll enjoy: - Comprehensive Benefits: EMPLOYER COVERED medical, dental & vision insurance, along with wellness & mental health programs. - Retirement Savings: 401(k) with company match. - Professional Development: Company invests in your training (and required licensing) - Supportive Environment: Collaborative, inclusive, and data-driven culture. About Responsive Founded in 2007, Responsive is a rapidly growing, largely management owned auto insurance provider based in Plantation, Florida. Responsive partners with insurance agents across the state to deliver simple, affordable, and hassle-free coverage—while ensuring a top-tier claims experience. At Responsive, our name reflects our fast-moving, problem-solving mindset. We’re growing rapidly and looking for employees who want to shape the company’s future and drive real impact. We value our team, offering paid employee benefits, company-matching 401(k), and a collaborative work environment. Join us and be part of a company where your ideas matter, your work fuels growth, and your team feels like family. What You Will Do: Operations Manager As the Operations Manager, you will lead our Underwriting and Customer Service teams, driving efficient operations, innovative options, and service excellence. This newly developed role requires a self-starter who can take ownership of the department—identifying opportunities, implementing change, and fostering a high-performing culture. Key Responsibilities: - Provide strong leadership to contact center associates - Drive call center to achieve and exceed key performance indicators including productivity, efficiency, quality, accuracy, customer satisfaction, attendance, retention, staffing utilization, and financial performance - Champion the culture, including collaborating on new policies, procedures, and training - Provide one-on-ones, team meetings, training, and coaching that will drive communication, performance, recruiting, and retention - Monitor key performance indicators to track progress and identify areas of improvement - Develop and implement strategic plans to achieve company goals and objectives - Provide senior leadership and guidance to the operations team - Must be available to team members on Saturdays, either onsite or remotely - Other duties as assigned Requirements What We’re Looking For - Education: Bachelor’s degree required; master’s degree preferred - Experience: Minimum of 2-3 years of management experience; insurance experience is a plus. - Skills: Strong problem-solving, analytical, and conflict resolution abilities. Proficiency in Microsoft Office Suite. - Mindset: Adaptable, team-focused, and thrives in a fast-paced, evolving environment. Responsive provides equal employment opportunities (EEO) to all employees and applicants, fostering a diverse and inclusive workplace.