Mortgage Underwriter – GSE, Non-QM & Condo Credit Specialist Fully Remote • Florida Description Fully Remote (Florida Residents Only) Position Summary The Senior Mortgage Underwriter is responsible for independently underwriting complex residential mortgage loans across Agency (Fannie Mae & Freddie Mac), Government, and Non-QM products. This role requires deep expertise in GSE Selling Guides, condominium project review, investor overlays, and regulatory compliance, as well as advanced Non-QM credit analysis including bank statement, DSCR, asset depletion, and alternative documentation programs. The ideal candidate is a disciplined credit professional and strategic problem solver who partners with Sales and Operations to structure compliant, salable loans while maintaining strong risk controls and secondary market integrity. This Underwriter balances production efficiency with thoughtful credit judgment and regulatory precision. Key Responsibilities Credit Analysis & Decision Authority - Independently review and underwrite Conventional, FHA, VA, USDA, Jumbo, and Non-QM loan files - Analyze complex borrower profiles including: - Self-employed (1120, 1120S, 1065, Schedule C, K-1 analysis) - Bank statement programs (12/24 month personal & business) - DSCR investment properties - Asset depletion - P&L-only programs (where applicable) - Multi-entity and layered income structures - Evaluate layered risk including LTV, DTI, liquidity, credit profile, occupancy, and collateral - Apply DU/LP findings while exercising independent credit judgment on Non-QM and manual underwrites - Issue clear, concise, and defensible conditions Condominium Project Review - Conduct Full and Limited Condo Reviews in accordance with Fannie Mae and Freddie Mac guidelines - Review HOA budgets, reserve allocations, insurance coverage, litigation exposure, special assessments, and financial stability - Evaluate project eligibility under CPM and applicable investor approval methods - Identify structural, financial, and salability risks Non-QM & Alternative Documentation Expertise - Underwrite Non-QM products in accordance with investor guides and overlays - Interpret alternative income documentation and calculate qualifying income accurately - Assess ability-to-repay standards within Non-QM framework - Identify and mitigate risk layering in expanded credit scenarios - Ensure loans meet investor salability and documentation standards Sales Collaboration & Problem Solving - Partner proactively with Loan Originators and Processors to structure viable, compliant solutions - Provide alternative credit structuring options within guideline boundaries - Communicate credit decisions clearly and professionally - Support Sales by explaining risk factors and compliance requirements - Maintain a solution-oriented approach while upholding credit discipline GSE & Investor Guideline Mastery - Demonstrate advanced knowledge of: - Fannie Mae Selling Guide - Freddie Mac Seller/Servicer Guide - FHA, VA, USDA guidelines - Non-QM investor guidelines - Research guideline nuances and apply investor overlays appropriately - Ensure all approvals meet secondary market salability standards - Maintain awareness of agency and investor updates Regulatory & Compliance Oversight - Ensure compliance with ATR/QM, TRID, ECOA, Fair Lending, and federal/state regulations - Maintain defensible documentation and audit-ready files - Minimize post-closing defects, investor suspense, and repurchase exposure Production & Quality Standards - Meet or exceed established production benchmarks - Maintain strong quality control metrics - Deliver timely and well-documented underwriting decisions Requirements Qualifications & Requirements - 5+ years of recent multi-state mortgage underwriting experience (10+ states preferred) - Advanced GSE underwriting expertise required - Proven Condo Review experience (Full & Limited Reviews required) - Minimum 2+ years Non-QM underwriting experience preferred - Experience across Retail, Wholesale, and/or Correspondent channels - Advanced income calculation expertise (self-employed required) - Strong working knowledge of ATR/QM requirements - DE, SAR, and/or LAPP certifications preferred - Encompass experience preferred - Strong analytical and problem-solving skills - Excellent written and verbal communication skills - High integrity and disciplined credit judgment Core Competencies - Agency & Non-QM Guideline Mastery - Advanced Income & Alternative Documentation Analysis - Risk Layering Assessment - Secondary Market Salability Awareness - Solution-Oriented Decisioning - Compliance Precision - Audit-Defensible Documentation Performance Expectations - Deliver compliant, salable approvals across Agency and Non-QM products - Partner effectively with Sales to move structured loans to closing - Maintain strong production levels with minimal QC findings - Reduce investor suspense and repurchase exposure Physical Requirements The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. - Travel is required. - Frequently required to stand, walk, sit, and travel between various locations. - Frequently required to use hands to finger, handle, or feel, and reach with hands and arms. - Occasionally required to climb or balance, stoop, kneel, crouch, or crawl. - Frequently lifts and/or moves up to 10 pounds and occasionally lifts and/or moves up to 20 pounds. - Specific vision abilities required by this job include close vision, color vision, and ability to adjust focus. This description outlines the basic responsibilities and requirements for the position noted. This is not a comprehensive listing of all job duties. Duties, responsibilities and activities may change at any time with or without notice.

Role Description The Product Head is responsible for driving the underwriting strategy and aligning the supporting talent and capital to drive results for a given product. They build and/or contribute to the partnerships needed internally and externally to deliver. They provide transparency and ensure metrics and reporting on their product are source of truth. And they provide additional support to the MGU as relates to their product. This role collaborates with MGU President / MD to ensure they are delivering on targets. They promote a culture consistent with Ryan’s values and ensure a sustainable business result. Job Responsibilities - Drive product underwriting strategy and align supporting talent and capital to drive results: - Define the product-specific UW strategy consistent with capital provider appetite, premium expectations, mix (if applicable), permissible LR, etc. - Manage execution of UW strategy, including production/performance by UWer and accountability on rate. - Manage product line portfolio performance (premium, NB/renew, LR, loss drivers, geo mix, LOB mix, etc.), UW guidelines/referrals, compliance and 1st line of defense. - Monitor and refine product offering, including geographic expansion. - Develop and maintain pricing models and associated data with pricing actuarial team. - Arrange bespoke capital and coordinate within MGU and with RSUM on corporate capital partners, when needed. - Attract, develop and retain UW talent; cascade authority when appropriate given capital partner commitments; succession plan to sustain. - Partner both externally and internally to deliver: - Identify and maintain other critical external partnerships (e.g., TPA relationships, service providers, data providers, etc.) needed to deliver on the value prop for the product. - Partner within RSUM on shared services (actuarial, legal, compliance, etc.) to define own needs and flag concerns. - Provide transparency on results and share best practices beyond own MGU. - Provide transparency as source of truth: - Ensure portfolio metrics to monitor health of the product portfolio and support robust communication to RSUM stewardship and capital providers, aligned guidance and agreements. - Ensure integrity of data in any product-related reporting or portfolio reporting as relates to the product. - Provide additional support to the MGU: - Support distribution relations, as needed. - Lead product-specific marketing, consistent with any overall (RSUM) guidance. - Support the development of business plans with projections of GWP for product(s). - Support MGU staffing models and compensation strategies as related to product. - Track production (daily/weekly/monthly/annually) and trends, flag divergence, and support updates to MGU forecasts. - Support high quality & timely strategic and financial KPI management reporting as related to product. - Ensure integrity of data in any financial and metric reporting related to product. - Ensure operating plan and associated/enabling initiatives address needs of product. Qualifications - Bachelor’s degree or Master’s degree in Risk Management, Actuarial or Business Administration required. - 10+ years of experience in Property and Casualty insurance underwriting. Requirements - State P&C and/or surplus line license is required. - Industry designations like Chartered Property Casualty Underwriter (CPCU), ARM, AU-M, etc., are a plus. Technical Skills - Property and Casualty Underwriting - Commercial Lines Underwriting - Market Intelligence - Business Portfolio Management - Performance Management - Financial Management - Technology Solutions - Insurance Industry Knowledge - Insurance Regulatory Compliance - Knowledge of Underwriting Systems and Tools Behavioral Skills - Problem-solving: the ability to solve problems with rigor and efficiency, incorporate diverse perspectives and creativity, and drive sustainable impact. - Influencing: builds trust-based relationships, communicates effectively with all audiences, and persuades others to act. - Execution: manages team to drive performance, executes in varying circumstances, and builds operational capabilities to drive impact at scale. - People: helps others grow, acts as role model in the pursuit of own development and growth, and elevates team performance through the environment created. - Entrepreneurial mindset: ability to integrate relevant insights and expertise, create strategic opportunities that broaden impact, and embrace healthy risk-taking. Benefits - Comprehensive and best-in-class benefits package. - Paid time off for company holidays, vacation, sick and personal days. - Paid parental leave. - Mental health services. Salary Information The target salary range for this position is $154,770.00 - $180,000.00 annually. The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full-time roles are eligible for bonuses and benefits. Equal Opportunity Employer Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization. Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions.

Role Description The Underwriting Assistant plays a critical role in supporting the underwriting process by delivering high-quality, efficient service to both internal and external clients. This position partners closely with Program Series Underwriters and brokers to ensure accurate and timely policy processing, while also serving as a mentor and subject matter expert within the team. - Collaborate with Underwriters to quote, bind, and issue policies and endorsements - Maintain and strengthen relationships with brokers - Prepare and review policy files and documentation for accuracy and completeness - Request and verify Broker of Record letters and other underwriting documentation - Ensure compliance with underwriting guidelines and standard operating procedures (SOPs) - Prepare policies for issuance using the appropriate Policy Administration System (PAS) - Lead or assist in PAS testing and review initiatives in collaboration with management - Participate in special projects and additional responsibilities as assigned Qualifications - Experience in the commercial insurance industry and regulatory environment - 2+ years minimum directly supporting commercial lines underwriters - Bachelor's degree; OR 4+ years of experience in insurance underwriting - Working knowledge of PDF, MS Word, Excel, and PowerPoint - Ability to travel up to 10% of the year Requirements - Knowledge of Project management software – like Monday.com - Familiarity with Policy Administration software – Origami or Federato - Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers - Must demonstrate self-motivation, dependability, as well as strong problem solving and analytical skills - Ability to manage multiple priorities and meet deadlines - Strong organizational and time management skills - Ability to work independently and proactively - Effective prioritization with minimal supervision - Proficient multitasking and deadline management - High attention to detail and accuracy - Strong mathematical aptitude - Exceptional customer service orientation - Collaborative team player with a positive attitude Core Values - Builds and maintains strong professional relationships - Communicates with clarity and impact - Demonstrates accountability and drives results - Invests in personal growth and supports team development - Makes thoughtful, disciplined decisions Working Conditions - Requires a quiet work environment with regular sitting at a computer for extended periods of time - Regular use of hands and fingers - Frequent talking or hearing - Vision requirements: Close, distance, color, peripheral, focus and depth perception Additional Information This is a remote position; however, you must live in the United States and be authorized to work in the United States without requirement of employment sponsorship/visa.

Title: New Business Underwriter Location: Cleveland, IL, United States - Hybrid Remote: Tucson/Phoenix, AZ; Rochester, NY; and/or Pittsburgh/Allentown, PA.* Job Description: Overview This underwriting role supports national payroll agencies and digital distribution partners within a rapidly growing division of AmTrust, offering meaningful opportunities for career advancement. The position emphasizes exceptional customer service, including quick and accurate submission review in a fast-paced, high-volume environment. Multi-line underwriting of BOP, Workers' Compensation, Cyber and EPL new business opportunities. This position requires a self-motivated professional who can work independently with minimal oversight while also collaborating effectively within a team and assisting colleagues as needed. - This position does require a hybrid work schedule, preferably out of our Cleveland office (four days per week in office). However, we are also open to fully remote candidates with experience ideally located near our top partners in Tucson/Phoenix, AZ; Rochester, NY; and/or Pittsburgh/Allentown, PA.* Responsibilities Underwrite new business insurance policies through solid risk analysis, pricing and servicing. Adheres to corporate underwriting and pricing guidelines. Operates within written authority grant and makes referrals to management as required. - Provides professional, timely and courteous communication and service to external clients and cross departmental staff. - Provides the pertinent information and guidance to support staff required to process coverage requests in accordance with service guidelines. - Understanding and adherence to organizational and regulatory rules, and ability to adhere to underwriting authority. - Provides technical assistance to sales team and customers regarding policy and endorsement provisions and underwriting acceptability for designated insurance coverages. - Maintain strong industry knowledge on BOP or Package and WC underwriting expertise and changes in market/account positions. Develop and maintain full knowledge of all forms, coverages, ratings, and manuals for the specific line being underwritten. - Knowledge and experience underwriting BOP or Package is required. - Travel to agency offices for onsite underwriting 15 Qualifications Required: - At least 2+ years' experience Commercial Multi-line Underwriting - Proficiency in Microsoft Office Suite including Excel - Bachelor's degree or equivalent underwriting experience Preferred: - CPCU, ASLI or CIC designation preferred, or the equivalent combination of education and experience - Background in Workers' Compensation, BOP, Cyber, EPL The expected salary range for this role is $52,000-70,000/year. Please note that the salary information shown above is a general guideline only. Salaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations #LI-HYBRID What We Offer AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off. AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities. AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.