• This position will be the lead Credit Underwriter for the Energy vertical and will be responsible for ensuring the most effective credit limit service in terms of quality of decisions, turnaround time and communications toward existing customers and prospects alike to achieve the company’s growth and profitability objectives in this sector. • Assesses buyers with all information available internally/externally and his/her own market knowledge. • Prepare credit limit recommendations where required by the relevant authority matrix to maximize results. • Monitoring of the Energy portfolio using reporting tools, working with the Credit Assessment team, and establishing relationships with local and international colleagues to gather all appropriate information to steer the business. • Support the Commercial team in managing the portfolio by steering customer loss ratios and implementing necessary actions to ensure or restore profitability of portfolio. • Develop industry knowledge by attending association and industry networking events. • Makes credit decisions on credit limits consistently. • Lead and participate in media engagements, including the identification of appropriate media outlets, Point of View (POV) development, and conducting outreach efforts when required. • Mentor and provide guidance / training for team members.

• review and assess the medical and financial risk for routine to highly complex cases across all face amounts • communicate underwriting decisions to the producer or FMO and work with internal distribution to communicate the offer when necessary • provide technical support to the underwriting team and Underwriting Director • provide informal leadership to the underwriting team through education, workload management, and process improvement • travel and deliver presentations, representing Allianz Life at industry events and to distribution partners • communicate underwriting decisions with field distribution, agents, and FMOs • correspond effectively with internal and external customers regarding the status of cases • act as a team lead, mentor and coach to other underwriters and Enterprise Operations employees • recommend improvements to the internal Underwriting guidelines, operational procedures, and standards

Title: Assistant Underwriter - Construction Location: Sydney Australia Full time Job Description: Primary Details Time Type: Full time Worker Type: Employee - Location: Melbourne or Sydney - Permanent, full time role - Hybrid role, happy to talk flexible working The opportunity This is an exciting opportunity to get in at the ground level and start your underwriting career as part of the Construction team. Full training and support will be provided, which will set you up for success in your new career. About QBE At QBE, we get to the heart of what matters for our customers. And we do it all with a human touch. We're an international insurer with more than 13,000 people working across 26 countries - which means we're big enough for your ambitions, yet small enough for you to make a real impact. It's an exciting time. We're building momentum towards our vision to become the most consistent and innovative risk partner. What if you could have a positive impact - at work and in the world? As part of the QBE team, you'll get to spend every day working with people who are passionate, talented and kind. Your new role Supporting a diverse range of partners and customers across a range of insurance queries and solutions, this entry level role will suit someone who is keen to learn, loves working with customers and is looking to start a career in insurance. At QBE we are focused on supporting our team members to reach their full potential with ongoing support from senior and specialised leaders. Responsibilities include - Support our Underwriting Team with New Business and existing policy updates as well as renewals - Work within service standards and delegated authorities - Build and maintain good working relationships with our customers, intermediaries, and internal stakeholders - Deliver timely decisions and problem-solving solutions for customers and intermediaries About you To be successful as an Assistant Underwriter you will ideally have: - Accuracy in reviewing applications, processing documentation, and ensuring compliance with underwriting guidelines. - Clear written and verbal communication to effectively interact with underwriters, brokers, and clients. - Capable of managing multiple priorities, meeting deadlines, and working efficiently in a fast-paced environment. - A collaborative approach to working within a team and delivering professional service to clients and stakeholders. - Basic understanding of the construction industry, including common practices and terminology will be a plus Benefits We offer a range of benefits to help provide holistic support for your work life, whatever your circumstances. As a QBE employee you will have access to and benefit from: - 'Hybrid Working' - a mix of working from home and in the office to enhance your work/life balance - Free holistic wellbeing coaching, nutritional, confidential counselling, financial and legal advice - 18 weeks' gender-equal flexible leave for all new parents, including paid super Awards & Recognition We value our employee's experience with us and are proud to have been recognised for the following awards: - 2025 Winner of Excellence in Diversity, Equity & Inclusion Award at the Insurance Business Australia Awards for our Respect@QBE program - 2023 Most Inclusive Workplace at the Australian HR Institute (AHRI) Awards - Ranked in the top ten in the AAGE Top Graduate Employers 2025 for medium sized program as voted by graduates Skills: Analytical Thinking, Collaboration Tools, Communication, Critical Thinking, Customer Service, Decision Making, Financial Advising, Insurance Underwriting, Intentional collaboration, Managing performance, Portfolio Management, Process Management, Regulatory Compliance, Risk Management, Stakeholder Management

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.