Title: Nonprofit Human Services Underwriter Location: Washington Job Description: Full time job requisition id R-100178 Department: Field Underwriting Job Description: As a Nonprofit Human Services Underwriter, you will be responsible for analyzing, appraising and assessing exposures and acceptable risks for our Nonprofit Human Service Organizations, Education Institutions and Religious Organizations to determine coverages and premium that are both adequate and competitive. Accounts vary in size, but may include accounts up to $250,000 in written premium. Work Arrangement: - Employees who live within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in‑office days. Responsibilities: - Delivers profitable outcomes on less complex niche business through effective risk selection by: - Analyzing, selecting and profitably pricing business with prescriptive terms and conditions of coverage. - Examining inspection reports, location, risk, financial and other available tools and reports to identify new or unresolved concerns. - Communicating with Risk Control for inspections, follow ups and service needs for insureds. - Driving corrective action or remediation strategies on renewal accounts. - Escalating referrals, in a timely manner, on accounts that need additional review or approval by higher level underwriters. - Adhering to service expectations and regulatory compliance by the timely release of renewals, non-renewals and conditional notices. - Accountable for achieving key performance indicators of the portfolio including: - Developing and furthering successful relationships with distribution partners/agencies within the portfolio by: - Having regularly scheduled portfolio review calls. - Limited travel to distribution partner/agencies offices. - Consistently meeting our customer service standards. - Coordinating with distribution team to building pipeline, resolve issues, concerns or conflict and oversee change management. - Communicating regularly with portfolio team members on health of assigned agencies and market conditions that could impact the portfolio. - Cultivate a High Performing Culture - Superior customer service and business acumen. - Mentoring support staff throughout their career development. - Assist in the training of new hires and internal promotions by providing continuous mentoring and feedback to foster successful employee development. - Reviewing, mentoring, and approving referrals for lower authority level associates. - Perform other related work as assigned. Qualifications: - 1+ years commercial underwriting experience is required. - Prior experience in underwriting nonprofit human services and/or accounts preferred. - Working to obtain or has already CPCU or other industry equivalent preferred. - Excellent communication skills both in writing and verbal. - Ability to analyze and make decision in a timely manner. - Position requires employee to constantly operate a computer and other office equipment. Pay Range: Anticipated Hiring Range: - $67,500 - $100,000 annual base salary depending on experience, qualifications, and geographic location - $77,450- $110,000 annual base salary depending on experience, qualifications, and geographic location in CA, CT, MA, NJ, NY, and PA Benefits: We are proud to offer our full-time regular employees a robust benefits suite that includes: - Competitive base salary plus incentive plans for eligible team members - 401(K) retirement plan that includes a company match of up to 6% of your eligible salary - Free basic life and AD&D, long-term disability and short-term disability insurance - Medical, dental and vision plans to meet your unique healthcare needs - Wellness incentives - Generous time off program that includes personal, holiday and volunteer paid time off - Flexible work schedules and hybrid/remote options for eligible positions - Educational assistance Equal Opportunity Employer The Mutual Group is an Equal Opportunity Employer. It is our policy to recruit, hire, train and promote individuals in all job classifications without regard to race, color, religion, sex, national origin, age, veteran status, disability, sexual orientation, gender identity or any other characteristic protected by law. - Know Your Rights: Workplace Discrimination is Illegal - Your Rights Under USERRA Employment Verification The Mutual Group participates in the E-Verify program and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You are protected from employment discrimination based on your citizenship status and national origin. E-Verify Program Overview E-Verify Participation Poster All offers of employment are contingent upon the successful completion of a background check. #TMG

- Review newly bound commercial insurance policies to validate the accuracy of submitted information - Conduct quality assessments of policies issued without prior underwriting review - Investigate and verify business information using internal systems, internet research, public records, vendor tools, and other available resources - Analyze business operations, property characteristics, occupancy details, and risk-related information to identify discrepancies - Determine whether submitted information aligns with underwriting requirements and company guidelines - Document findings and make appropriate policy corrections when inaccuracies are identified - Communicate validation results and required changes to agents, customers, and internal stakeholders - Utilize tools such as BIE, CLS, mapping tools, aerial imagery, public records, and internet search resources to support validation efforts - Maintain accurate records of investigations, findings, and policy updates - Collaborate with underwriting, operations, and agency partners to resolve discrepancies efficiently - Monitor trends and identify recurring quality concerns to support continuous improvement initiatives - Ensure work is completed within established service level agreements and quality standards

• Manages the credit underwriting and credit administration functions for assigned portfolio • Establishes the credit structure, Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships • Directs the Centralized Credit Management staff within assigned teams in monitoring the portfolio and/or origination of new credit exposure • Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions • Guides the team to properly structuring new and existing credit exposure within the bank's risk appetite • Ensures adherence to Risk Policies, implements operational risk processes, policies, and practices

Role Description The Supervisor, Loss Mit will be responsible, directly or through staff, for protecting the assets of the company in bankruptcies, repossessions, and other legal proceedings. The Loss Mitigation (Mit) Supervisor plans, directs, supervises and evaluates workflow for the Loss Mitigation department, coordinates work activities to achieve the volume expected to meet operational requirements, provides process-specific feedback and training to loss mitigation efforts throughout the unit, recommends operational improvements, monitors performance of staff members according to established standards and conducts performance evaluations, training and coaching of the staff. Essential Job Functions - Supervises daily operation of the Loss Mitigation department, ensuring compliance with departmental policies and procedures and all applicable government, investor and client regulations. - Reviews loss mitigation transactions for approval or denial to ensure consistency, accuracy, and quality within department. - Identifies trends and develops process improvements and system enhancements to improve department's effectiveness. - Receives and resolves customer complaints. - Performs duties related to staff development such as performance evaluations, disciplining employees, and training. - Compiles data and generates ad-hoc reporting for Manager. - Provides monthly summary to Manager on departmental performance objectives. - Maintains up-to-date knowledge, understanding and documentation of required State, Federal, CFPB, Investor, and PMI guidelines related to loan modifications, short sale, and deed in lieu. - Ensures regular and timely communication of required process changes to all areas of the Credit Solutions department. - Sets production and service goals for direct reports. - Directs the performance of the staff through effective coaching, training and performance appraisals to achieve established goals and service levels. - Develops and analyzes management reports to ensure all production and quality goals are met. - Serves as subject matter expert and escalation point for staff and members regarding loan modifications, short sale, and deed in lieu. - Maintain regular and punctual attendance. Other Related Duties - Performs other related duties as assigned. Supervisory Responsibilities - Manages staff and carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. - Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. Qualifications - Bachelor's degree (B.A.) from four-year College or University or equivalent work experience. - Three to five years of experience in a Collections/Loss Mitigation related position, preferably in a Financial Services environment, or an equivalent combination of education and experience. Language Skills - Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. - Ability to write reports, business correspondence, and procedure manuals. - Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Mathematical Skills - Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Reasoning Ability - Ability to carry out detailed written and/or verbal instructions. - Ability to solve problems involving concrete variables in standardized situations. - Ability to define problems, collect data, establish facts, and draw valid conclusions. Physical Demands - 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. - While performing the duties of this job, the employee is frequently required to sit and talk or hear. - The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. - The employee must occasionally lift and/or move up to 10 pounds. Work Environment - The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. - Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. - The noise level in the work environment is usually moderate. Equal Employment Opportunity Freedom Mortgage is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Freedom Mortgage Corporation may change the specific job duties with or without prior notice based on the needs of the organization.