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. Underwriter I – Commercial Lines 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. - 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). - Hourly: $27 - 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.

• Manage the quote process for quote requests by evaluating and executing technical aspects of the rating process to generate accurate rates for each product requested • Identify standard and non-standard business procedure and process appropriately • Apply underwriting risk and escalation rules, accurately evaluate SIC classifications for the customer, handle PII census data according to department standards, review public data sources for OFAC conflicts, review and analyze claim reports, and generate rates and proposals within service standards • Leverage tools appropriately to come to the right risk and pricing outcome on new business, in-force business, and/or renewals • Determine the useability and ensure accurate preparation of complex census data using Microsoft Office tools • When provided, demonstrate ability to most closely match in-force plan designs based on a review of Requests for Proposal, Benefit Summaries, complex contracts, and/or internal systems such as ESL • Utilize critical thinking skills to be able to make appropriate assumptions to present rates to the Underwriter in cases that require Underwriter involvement, taking initiative to provide viable plan options • Develop a recommended rate along with positioning points and create a comprehensive customer package • May evaluate claims and enrollment reporting/history and input required claims data to assist experience review • Assist in development and execution of standard and ad hoc special processes • Identify problems early in the process and work with appropriate resources to resolve or escalate as needed • Provide clear and complete documentation of assumptions/best estimates made in the instance of missing data and system limitations requiring alterations to the requested plan designs • Partner closely with Underwriting to determine reasonable timeframes, reporting, and customer needs to deliver on priority and time standards for each case • Consult with Underwriters, Clinical, Policy, and Pricing partners for guidance and signoff on non-standard and/or complex plan design requests • Provide superior customer service and demonstrate ownership and expertise with internal and external customers, ensuring total client satisfaction with business partners

Position Overview At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As an Underwriter IV within PNC's Small Business Banking organization, you will be based remotely. This position may be eligible for remote work in select geographic locations, subject to approval by PNC. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in-office participation may be required based on business needs. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. Job Description - Works independently with little or no oversight. Exercises exception and elevated approval authority. Prepares offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned. Interacts with internal/external customers. Provides recommendations for credit structuring. Serves as subject matter expert for certain asset classes. Serves as a coach, work lead and trainer for the group. - Uses independent judgment to identify risks and mitigants and to prepare offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. Performs ongoing credit risk management for assigned portfolio, if relevant. Coaches and/or reviews the work of other underwriters and fills in for manager as required. - Contacts internal/external customers and other parties as appropriate to gather information and clarify inconsistent, incorrect or missing information. May perform relevant pre-approval and post-approval activities. - Identifies and/or confirms all external regulatory requirements. Ensures internal policies and procedures are followed. - Makes recommendations on credit decisions or makes credit decisions directly, as appropriate. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: - Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. - Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework. Qualifications Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. Preferred Skills Credit Decisions, Decision Making, Financial Analysis, Identifying Risks, Process Improvements, Results-Oriented, Risk Assessments Competencies Accuracy and Attention to Detail, Coaching Others, Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Knowledge of Underwriting, Managing Multiple Priorities, Office Support Tools, Operational Functions Work Experience Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered. Education Bachelors Certifications No Required Certification(s) Licenses No Required License(s) Pay Transparency Base Salary: $65,000.00 – $164,450.00 Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance. Application Window Generally, this opening is expected to be posted for two business days from 04/21/2026, although it may be longer with business discretion. Benefits PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com. Disability Accommodations Statement If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions. Equal Employment Opportunity (EEO) PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history. California Residents Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

• Learn the fundamentals of insurance underwriting. • Work on Cyber, Employment Practices, and Garage Package quotes. • Assist in reviewing applications, assessing risks, and preparing quotes. • Learn how to build relationships with brokers and support business development. • Develop a data-driven project to assist in underwriting decisions.