If you’re passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care. Shape the Future of Risk Solutions Ready to make an impact? We’re looking for a strategic underwriting leader to join our team and take on small lines commercial risks. This is your chance to operate with elevated authority, influence strategy, and drive profitable growth. What You’ll Do: ✅ Underwrite and price specialized small lines commercial risks with advanced judgment ✅ Provide guidance and expertise to sales teams and agency staff ✅ Build strong agency relationships and lead complex negotiations ✅ Monitor market trends and contribute to innovation in underwriting practices ✅ Mentor and share expertise to elevate team performance Why Join Us? This isn’t just underwriting—it’s leadership, strategy, and innovation. You’ll have the autonomy to shape decisions, impact profitability, and help define the future of commercial risk solutions. What We’re Looking For: ✔ Bachelor’s degree (advanced designations like CPCU, ARM preferred) ✔ 6–8+ years of commercial underwriting experience with complex risks ✔ Exceptional analytical, consultative, and communication skills ✔ Ability to travel regularly within assigned territory Territory: Candidates must reside in Southern CA (San Diego or south Orange county metro areas preferable) to be considered for this role. Relocation packages will not be provided. This role involves weekly travel, typically within a 3–5 hour radius to meet with agency partners. A company vehicle would be provided. #LI-MS2 #LI-REMOTE This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program Job Description Summary Serves as a top-tier technical expert in commercial lines underwriting, responsible for independently evaluating and underwriting the most complex and high-value risks across a broad field territory. Operates with elevated authority and autonomy, applying advanced risk assessment techniques and deep market insight. Acts as a consultative resource to field underwriters, sales teams, and agency partners. Drives underwriting excellence and contributes to strategic initiatives that support profitability, growth, and operational efficiency. Job Description Key Responsibilities: Advanced Underwriting Execution: Independently underwrites and prices the most complex and specialized commercial risks within expanded authority levels while promoting a steady flow of lower-premium and complexity new business. Applies advanced judgment and technical expertise to ensure profitable growth. Risk Analysis & Technical Consultation: Performs in-depth risk analysis using financials, loss control reports, industry trends, and predictive data models. Provides consultative guidance to field underwriters and agents on risk mitigation and coverage solutions. Territory Management: Manages a field underwriting territory focused on new business production, ensuring alignment with underwriting strategy, mix of business, and profitability goals. Identifies trends and recommends adjustments to underwriting approach or appetite. May serve as the primary point of contact for consolidation or transfer opportunities within an agency. Agency Engagement & Strategic Support: Builds and maintains strong relationships with key agency partners. Regularly conducts in-person meetings and takes advantage of opportunities to embed and quote within the agency’s office. Provides expert-level support in complex negotiations and coverage discussions. Participates with Territory Managers in strategic planning with agencies to drive mutual success. Identifies and drives opportunities for business development and issue resolution by consulting with agents and internal partners. Understands organizational capabilities and opportunities to drive maximum value of relationships. Market Intelligence & Innovation: Monitors market developments, emerging risks, and competitor activity. Contributes feedback to the Portfolio Management and Technical Underwriting organizations to influence the evolution of underwriting guidelines, tools, and practices. Mentorship & Knowledge Sharing: Serves as a technical resource and informal mentor to field underwriters. Shares best practices and supports skill development across the team. Program & Product Expertise: Partners with Territory Managers and Learning & Development resources to conduct product orientation and training sessions for agents and internal teams. Provides feedback on product performance and market fit. May perform other responsibilities as assigned. Reporting Relationships: Reports to Manager or Director. Typical Skills and Experiences: Education: Bachelor’s degree required. Advanced insurance designations (e.g., CPCU, ARM) strongly preferred. Experience: Minimum 6–8 years of commercial underwriting experience, with demonstrated success in handling complex risks and portfolios. Knowledge, Abilities and Skills: Expert-level understanding of commercial underwriting principles, risk management, and industry-specific exposures. Strong knowledge of agency operations and market dynamics. Exceptional analytical, consultative, and communication skills. Ability to influence underwriting outcomes and support strategic initiatives. High proficiency in risk evaluation tools and techniques. Other criteria, including leadership skills, competencies and experiences may take precedence. Staffing exceptions to the above must be approved by the hiring manager’s leader and Human Resource Business Partner. Values: Regularly and consistently demonstrates the Nationwide Values. Job Conditions: Overtime Eligibility: Not Eligible (Exempt) Working Conditions: Requires the ability to travel regularly in the field, service centers, agency offices, and customer business locations. Must have and maintain a safe driving record. ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties. Benefits We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here. Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law. NOTE TO EMPLOYMENT AGENCIES: We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means. Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule. The national salary range for Consultant, Field Underwriter - Commercial Lines : $104,000.00-$194,000.00 The expected starting salary range for Consultant, Field Underwriter - Commercial Lines : $104,000.00 - $156,000.00

• Bring your expertise as an underwriter to cross-functional Ladder work teams. • Evaluate medical and personal history on life insurance applications up to $8 million face amount. • Participate in the development of the Underwriting team members. • Collaborate with the Underwriting Audit team to enhance Underwriting Guidelines and clearly communicate audit finding feedback to the Underwriting team. • Work closely with the Customer Experience and Compliance teams to answer underwriting related questions and share underwriting knowledge. • Be comfortable both underwriting and applying your knowledge to systems and processes. • Report to the Head of Underwriting.

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.