Role Description The Mortgage Loan Underwriter is responsible for evaluating and analyzing mortgage loan applications to determine the creditworthiness of borrowers and ensure compliance with federal, state, and company regulations. This role involves assessing financial documents, credit reports, property appraisals, and income information to make informed decisions on loan approvals, conditions, or denials. The underwriter ensures that each loan meets the bank’s risk standards while supporting a smooth and efficient loan origination process. Responsibilities - Underwrite a minimum of three new loan files per day - Review, analyze, and clear updated and conditioned loan files within required turn times - Maintain CBHL-mandated turn times for new submissions, resubmissions, and condition reviews - Monitor and respond to CSM scenarios within required timeframes - Provide underwriting and eligibility support to other Capital Bank departments as needed - Underwrite FHA, VA, USDA, Conventional, Non-Agency, and Jumbo loan products in accordance with company policy and investor overlays - Perform new and established condominium project reviews, including warranty and eligibility determinations, in accordance with agency and investor guidelines - Analyze loan documentation and data for accuracy, completeness, and overall soundness - Identify and assess credit, income, asset, and collateral risk factors - Review appraisals and collateral documentation, including condominium and PUD projects - Support Loan Officers during the borrower qualification and structuring process - Remain current on investor, agency, and regulatory guideline updates impacting underwriting and condominium project eligibility decisions Qualifications - High School Diploma or equivalent required - Minimum of five years of experience underwriting agency mortgage loans - Minimum of five years of experience underwriting secondary market guidelines - Minimum of two years of experience with Jumbo and Non-Agency products - FHA Direct Endorsement (CHUMS) designation required - VA SAR/LAPP designation required - USDA underwriting experience preferred - Housing Finance Agency experience required (DC, DE, FL, VA, MD preferred) - Bachelor’s degree preferred Technical Knowledge and Skills - Strong teamwork and customer service orientation - Excellent organizational skills and ability to manage multiple priorities - High sense of urgency and accountability for deadlines and assignments - Ability to work effectively in a fast-paced environment - Proficiency with Fannie Mae Desktop Underwriter and Freddie Mac Loan Product Advisor - Encompass LOS experience preferred - Advanced income analysis, including complex self-employed and variable income scenarios - Credit risk analysis and interpretation - Appraisal and collateral review, including condominium and PUD projects - Ability to accurately interpret and apply agency, investor, and condominium project guidelines - Strong problem-solving, critical thinking, and decision-making skills - Clear and professional written and verbal communication - Constant and consistent attention to detail Compensation - Base Salary Range: $80,000 - $105,000 annually / hourly. Final determination of where you are at in the salary range is based on numerous factors such as geographical location, relevant experience, skill set, education, and ability to meet qualifications within the job description. - Additional Compensation: This role will include a yearly annual target bonus based on individual performance. Working Arrangements - This position will be a remote role. Benefits - Join a growing company with a culture that fosters an entrepreneurial spirit - Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more - Company Contributions to your 401k - Regardless of your contribution - Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more! - Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities

Role Description We are seeking a dynamic, strategic, and people-centered Associate Director, Investment to help shape the next chapter of local investment excellence at KSM. This role is ideal for a media investment leader who knows how to turn strategy into action, build trusted relationships, and elevate both the work and the team behind it. You’ll play a key role in leading local Video & Audio investment and supporting Out-of-Home strategy, partnering across disciplines to deliver smart, scalable solutions that drive strong client outcomes and continued agency growth. If you’re energized by building smarter investment strategies, strengthening partner and client confidence, and mentoring talent in a fast-moving, collaborative environment, this is an opportunity to make visible impact while growing your leadership footprint at KSM. Key Responsibilities - Lead local investment strategy across assigned business, focusing on Video & Audio and supporting Out-of-Home. - Partner with planning, client leadership, and activation teams to translate strategy into clear investment direction, practical frameworks, and high-quality execution. - Provide leadership across pre- and post-buy stewardship, schedule analysis, proof-of-performance, and optimization recommendations. - Help advance pricing standards, negotiation strategy, and investment governance. - Build trusted relationships with media partners and internal stakeholders. - Coach and develop team members through hands-on leadership and ongoing capability building. - Stay fluent in marketplace shifts, emerging partners, and evolving local media opportunities. Qualifications - 7+ years of local media buying, investment, or related experience within a media agency or similar environment. - 3+ years of people leadership experience, with a demonstrated ability to coach, motivate, and develop high-performing teams. - Strong expertise in local media strategy, investment stewardship, negotiation, and performance analysis. - Established relationships with vendors, partner management teams, and media representatives preferred. - Hands-on experience with media buying systems such as Mediaocean and common industry tools including Nielsen, SQAD, and SRDS. - Strong analytical and mathematical aptitude. - Excellent communication, organization, and cross-functional collaboration skills. Requirements - Ability to interpret performance data, uncover insights, and translate findings into actionable recommendations. - Proficiency in Microsoft Excel, Word, PowerPoint, and monday.com. Benefits - Career pathing, integrated learning ecosystem, mentorship, and employee recognition. - Competitive compensation. - 401(k) with company match, pre-tax programs, referral rewards, and a remote work reimbursement. - Comprehensive health insurance (medical, dental, vision, pet, and life). - Onsite fitness center covered 100%, discounted membership rates at partner gyms, and access to virtual fitness classes. - Employee Assistance Program (EAP) and curated opportunities to nurture your breaktime. - Personalized Paid Time Off (i.e., “Unlimited PTO”), remote work flexibility, paid parental leave, and a variety of Employee Resource Groups. - Volunteer opportunities and corporate donation matching through KSM Cares Outreach.

• Conduct financial and business related research and analysis • Develop and maintain spreadsheets and databases • Perform financial and business related analysis • Communicate with management at all levels

At Globe Life, we are committed to empowering our employees with the support and opportunities they need to succeed at every stage of their career. We take pride in fostering a caring and innovative culture that enables us to collectively grow and overcome challenges in a connected, collaborative, and mutually respectful environment that calls us to help Make Tomorrow Better. Role Overview: Could you be our next Underwriter II? Globe Life is looking for an Underwriter II to join the team! This role is responsible for evaluating life insurance applications to determine risk classification and policy disposition (standard, rated, or declined) in accordance with established underwriting guidelines. It requires implementation of underwriting policies and procedures across new business processing and interdepartmental workflows. Essential functions include interpreting medical terminology and prescription data, utilizing the Swiss Re Underwriting Manual, and analyzing Risk Score, MIB reports, motor vehicle records, phone call results, laboratory results, paramedical exams, and medical records to support sound underwriting decisions. This is a remote/work-from-home position. What You Will Do: - Conduct comprehensive risk assessment of life insurance applications, including trial submissions, to determine appropriate underwriting classifications (standard issue, rated, or decline) in accordance with established guidelines and senior underwriter oversight. - Execute underwriting policies and procedures governing new business processing and departmental workflows. - Apply medical underwriting standards utilizing the Swiss Re Underwriting Manual and proprietary AIL company guidelines. - Perform MIB code reporting and analysis to support risk evaluation processes. - Analyze and interpret oral fluid test results for underwriting consideration. - Assess agent verification calls and supplementary underwriting telephone interviews to validate application information. - Evaluate motor vehicle records (MVRs) to determine risk factors and driving history patterns. - Analyze prescription drug histories and risk score to identify underlying health conditions and assess medical risk. - Review, abstract, and evaluate attending physician statements (APSs) and medical records. - Assess paramedical examination findings and laboratory test results for underwriting decisions. - Address customer service inquiries and provide detailed explanations regarding underwriting determinations. - Evaluate medical information associated with reopens, policy modifications, add-ons, and reinstatement and reissue requests. - Review and resolve escalated cases referred by underwriting staff. - Contribute to the professional development of underwriting team members and screeners through training and mentorship activities. - Provide cross-functional support to other underwriting units as directed by department leadership. What You Can Bring: - High School Diploma or equivalent required; some college coursework preferred. A combination of experience and education will be considered. - 1-2 years of experience as an Underwriter trainee or Jr. Underwriter. - Must be actively pursuing the LOMA Underwriting (UND) designation; LOMA 280 & 290 strongly recommended within 1 year, and pursuit of FMLI recommended. - Knowledge of medical terminology is a plus. - Strong written and verbal communication skills. - Excellent organizational and time management skills. - Strong ability to multi-task with keen attention to detail. - Basic math skills. - Proficiency in Microsoft Office, including strong Excel skills. - Quick learner with a strong ability to adapt and retain new information. Applicable To All Employees of Globe Life Family of Companies: - Reliable and predictable attendance of your assigned shift. - Ability to work full time and/or part time based on the position specifications. How Globe Life Will Support You: Looking to continue your career in an environment that values your contribution and invests in your growth? We've curated a benefits package that helps to ensure that you don’t just work, but thrive at Globe Life: - Competitive compensation designed to reflect your expertise and contribution. - Comprehensive health, dental, and vision insurance plans because your well-being is fundamental to your performance. - Robust life insurance benefits and retirement plans, including company-matched 401k and pension plan. - Paid holidays and time off to support a healthy work-life balance. - Parental leave to help our employees welcome their new additions. - Subsidized all-in-one subscriptions to support your fitness, mindfulness, nutrition, and sleep goals. - Company-paid counseling for assistance with mental health, stress management, and work-life balance. - Continued education reimbursement eligibility and company-paid FLMI and ICA courses to grow your career. - Discounted Texas Rangers tickets for a proud visit to Globe Life Field. Opportunity awaits! Invest in your professional legacy, realize your path, and see the direct impact you can make in a workplace that celebrates and harnesses your unique talents and perspectives to their fullest potential. At Globe Life, your voice matters.