Suitability Principal Locations: Springfield, MA Phoenix, AZ Sacramento, CA Tallahassee, FL Concord, NH Raleigh, NC Hartford, CT Providence, RI time type Full time Full-time Remote job requisition id R20423 Job Description: The Opportunity As a Suitability Principal, you'll be a trusted partner in reviewing and firm-accepting in‑force Account Maintenance submissions across Brokerage, Direct, Advisory, and Third‑Party Advisory accounts. You'll also have opportunities to support Brokerage and Advisory Transfers of Assets and Money Movement requests, helping ensure Business Acceptance, Suitability, and Best Interest standards are met while maintaining a strong advisor and client experience. The Team MML Investors Services (MMLIS) Account maintenance department reviews and updates books and records for Direct business and reviews and processes all brokerage, National Financial Services (NFS) account maintenance items. The team reviews internal and external paperwork and provides exceptional customer service to the field while solving complex issues. We provide guidance and education to field reps on requirements and regulations regarding Account Maintenance and communicate frequently with National Financial Services and outside firms. The team also works closely with the Cashiering, Advisory, New Business and Trading teams within MMLIS. The Impact - Conduct back-office review and firm-acceptance of new and existing Account Maintenance submissions for Brokerage, Direct, Advisory, and Third‑Party Advisory accounts, with opportunities to assist on Transfers of Assets and Money Movement requests as needed. - Identifying root causes, recommending thoughtful solutions, and resolving matters independently when appropriate, while knowing when collaboration adds value. - Supporting the implementation and ongoing management of operational and supervisory procedures that help the firm operate effectively and responsibly. - Communicating clearly and professionally with registered representatives, agency personnel, and internal partners such as Compliance, Field Inspection, and Regional Supervisory Directors. Some reviews may involve specialized regulatory considerations, including Options trading and Municipal Securities. - Partnering with registered representatives, Agency Supervisory Officers, and Regional Supervisory Directors to provide guidance on suitability considerations and supervisory guidelines. - Proactively identifying trends and potential risks and sharing insights with leadership to support continuous improvement and risk mitigation. The Minimum Qualifications - FINRA Series 7 & 24 required at time of application - 2+ years of MMLIS experience and/or 3+ years of experience within the brokerage/advisory space - High School Diploma or equivalent - Principals working 100% remotely may be subject to on-site inspection by MML and/or regulators - Candidates residing within 50 miles of the MassMutual Springfield office will be expected to work a Hybrid schedule of 3 days a week in the office The Ideal Qualifications - 3+ years' experience conducting suitability reviews - FINRA Series 4 and 53 - Superior customer service skills. - Excellent interpersonal skills; team player, self-motivated; patient demeanor; approachable style. - High aptitude for effective problem resolution. - Strong organizational and time management skills are essential - Ability to work in a fast paced, ever-changing environment. - High degree of ownership and sense of urgency. - College degree preferred with a concentration in business or finance. - Passion for embracing business process improvement opportunities. - High aptitude for effective problem resolution. - Must be able to think independently and tactfully challenge the opinions of others. What to Expect as Part of MassMutual and the Team - Regular meetings with the Elite Services team - Focused one-on-one meetings with your manager - Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups - Access to learning content on Degreed and other informational platforms - Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits #LI-DK1 #LI-REMOTE Salary Range: $69,000-$90,500 At MassMutual, we focus on ensuring fair equitable pay, by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component. Why Join Us. We've been around since 1851. During our history, we've learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard. We help people secure their future and protect the ones they love. As a company owned by our policyowners, we are defined by mutuality and our vision to put customers first. It's more than our company structure - it's our way of life. We are a company of people protecting people. Our company exists because people are willing to share risk and resources, and rely on each other when it counts. At MassMutual, we Live Mutual. MassMutual is an equal employment opportunity employer. We welcome all persons to apply. At MassMutual, we focus on ensuring fair, equitable pay by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component. For more information about our extensive benefits offerings please check out our Total Rewards at a Glance.

Role Description Consumer Credit Analyst I is responsible for performing risk analysis for secured and unsecured consumer loans. Consumer Credit Analyst reviews, analyzes and evaluates consumer loan applications and based on their judgment approve, modify or deny consistent with credit union policy and guidelines. Consumer Credit Analyst I must clearly document and communicate the reasoning for the decision. Maintain and strengthen relationships with members, and internal and external originators. Maintain a thorough understanding of the credit union’s underwriting standards, risk philosophy, and credit culture. - Review, analyze, and evaluate loan applications based on established credit union policies. - Apply knowledge of underwriting procedures and risk mitigation techniques to approve, counter, or deny consumer loan applications. - Ensure the transaction is accurate, complete, and compliant. - Analyze credit history to determine propensity for repayment. - Analyze income and financial statements to determine ability to repay. - Evaluate required documentation for accuracy and truthfulness. - Apply fraud detection and prevention techniques. - Utilize credit reports to calculate key lending ratios to determine capacity, credit utilization, and Loan to Value. - Ensure application requests are in line with credit union guidelines. - Identify mitigating factors and render judgmental decisions within designated loan authority. - Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance. - Responsible for receiving and initiating phone inquiries. - Communicate and interact with originators and external business partners regarding loan decisions. - Address, resolve, or escalate minor complaints or issues raised by members, internal staff, and business partners. - Gather information to assist in preparing management reports. - Assist with training originators regarding lending policies, processes, or procedures. - Perform other lending duties as assigned. Qualifications - Successful completion of High School curriculum is required. - Associates degree is preferred. - Minimum 6 months in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions. - Strong analytical, organizational skills, and attention to detail. - Ability to calculate figures and amounts. - Maintain knowledge of key trends in the financial services industry that impact loan quality and underwriting. - Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations, and recommendations. - Solid interpersonal, oral, and written communication skills. - Knowledge of credit analysis and reporting. - Good understanding of both branch and indirect credit union lending policies. - Ability to sell and promote product lines and lending decisions. - Understand the use of the automated loan origination system. - Operate on standard Microsoft programs and other computer operations. - Stay up to date on changes within the department, organization, industry, and current market conditions. - Must work well in a fast-paced production-oriented department. Requirements - Effective oral and written communication skills required to interact with staff and members. - Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment. - Ability to work required hours which may include weekend shifts and work hours after 6:00 p.m. - Prolonged sitting throughout the workday with occasional mobility required. - Corrected vision within the normal range. - Hearing within normal range; a device to enhance hearing will be provided if needed. - Occasional movements throughout the department daily to interact with staff and accomplish tasks. - Must be flexible with scheduling, including evenings, weekends, and holidays. Company Description

Role Description Consumer Credit Analyst II - NLA is responsible for reviewing, analyzing and evaluating simple to complex secured and unsecured consumer loan applications and based on their judgment approve, modify or deny consistent with credit union guidelines. Consumer Credit Analyst II - NLA must clearly document and communicate the reasoning for the decision. Maintain and strengthen relationships with members, and internal and external originators. Maintain a thorough understanding of the credit union’s underwriting standards, risk philosophy, credit culture and market conditions. - Review, analyze, and evaluate loan applications based on established credit union policies. - Evaluate and ensure that the transaction is accurate, complete and compliant. - Review required documentation for accuracy and truthfulness. - Apply fraud detection and prevention techniques. - Perform paystub and basic tax return analysis to determine ability to repay. - Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance. - Review credit reports and interpret the data along with the analysis of key lending ratios. - Responsible for receiving and initiating phone inquiries and must communicate and interact with originators and external business partners. - Effectively address and resolve all complaints or issues raised by members, internal staff and business partners. - Gather information and perform analysis as requested to help prepare reports as directed. - Assist with training originators regarding lending policies, process or procedures. - Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending. - Train personnel on lending policies and procedures. - Perform upgrade validations pertaining to lending systems. - Assist with other Lending duties as assigned. Qualifications - Successful completion of High School curriculum is required. Associates degree is preferred. - 4-7 years in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions or 5+ years in loan processing. - Strong analytical, organizational skills and attention to detail. - Ability to calculate figures and amounts. - Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations. - Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting. - Solid interpersonal, oral and written communication skills. - Knowledge of credit analysis and reporting. - Possess a high degree of integrity to use judgment to make appropriate and fair lending decisions. - Comprehensive understanding of both branch and indirect credit union lending policies. - Ability to sell and promote product lines, and back up lending decisions. - Understand the use of the automated loan origination system. - Stay up to date on changes within the department, organization, industry and current market conditions. - Strong understanding of assigned territory lending market conditions and collateral values. - Must work well in a fast-paced and flexible production oriented department. - Analytical skills to include reviewing and understanding complex paystub and tax return documents. Requirements - Effective oral and written communication skills required to interact with staff and members. - Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment. - Ability to work required hours which may include weekend shifts and work hours after 6:00 p.m. - Some travel may be required. Physical Requirements - Prolonged sitting throughout the workday with occasional mobility required. - Corrected vision within the normal range. - Hearing within normal range. - Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. - Must be flexible with scheduling, including evenings, weekends, and holidays. Licenses/Certifications - None

Role Description Join a growing and innovative insurance provider as an Underwriter, where you’ll play a key role in assessing risk, managing referrals, and supporting a profitable portfolio. This position offers the opportunity to work across commercial and specialty insurance products in a collaborative, fast-paced environment. You’ll partner with cross-functional teams, contribute to underwriting strategy, and help deliver sound, data-driven decisions while ensuring strong customer outcomes. Ideal for a detail-oriented professional with solid underwriting experience and a proactive, team-focused approach. Key Responsibilities - Underwriting & Risk Assessment - Prioritise and process underwriting referrals in line with service level agreements, ensuring timely and accurate decision-making. - Review proposal forms, financials, risk surveys, claims histories, and supporting documentation to assess exposure. - Evaluate claims activity and determine its impact on renewal terms, pricing, risk appetite, and coverage suitability. - Assess risks outside standard underwriting criteria, determining appropriate terms, conditions, or pricing. - Review existing endorsements and exclusions to ensure continued suitability. - Decision-Making & Governance - Make underwriting decisions within agreed authority levels. - Escalate complex or out-of-guideline cases appropriately. - Ensure all decisions align with underwriting guidelines, regulatory requirements, and internal policies. - Stakeholder Collaboration & Support - Support sales and customer service teams in clearly explaining underwriting decisions to brokers and customers. - Collaborate with underwriting, claims, operations, and customer service teams to ensure consistent and effective outcomes. - Provide administrative and analytical support to the broader underwriting team. - Portfolio & Process Improvement - Identify opportunities to refine product wording, underwriting criteria, and processes. - Contribute to initiatives aimed at reducing exposure and improving profitability. - Documentation & Compliance - Maintain accurate and detailed underwriting records, including case notes and decision rationale. - Ensure compliance with regulatory requirements and internal standards. - Participate in ongoing learning and development activities aligned with regulatory expectations. - Additional Responsibilities - Undertake other duties as required in line with the scope of the role. Qualifications - Bachelor’s degree in Business, Finance, Insurance, Risk Management, Commerce, or related field (preferred). - Minimum 3 years’ hands-on commercial underwriting experience, including managing referrals and risk assessments. - Experience in pet insurance is beneficial but not essential. Skills & Competencies - Strong understanding of underwriting principles, including risk assessment, pricing, policy terms, endorsements, and exclusions. - Ability to analyse financial and risk data and identify key exposures. - High attention to detail and accuracy in reviewing documentation. - Effective time management with the ability to handle multiple cases and deadlines. - Clear communication skills, with the ability to explain underwriting decisions professionally. - Proficient in underwriting systems, Microsoft Office, and able to quickly learn new tools. - Commercially aware, proactive, and a collaborative team player. Benefits - Work from home; Dayshift 0700 AM- 0400 PM PHT (adjustments will be made for daylight saving time). - Monday to Friday; weekends off. - HMO with 2 free dependents and medical reimbursements. - Government-mandated benefits. - Opportunities to work with leading companies in Australia and beyond. - Training programmes for career development. - Engaging company outings, team activities and wellness sessions. - Supportive, inclusive culture. - Dedicated managers focused on your growth and success. Company Description Twoconnect connects highly skilled Filipino professionals with established companies in Australia, New Zealand, the United States, the United Kingdom and Europe, providing direct access to global careers and long-term opportunities. We offer competitive pay and benefits, additional entitlements and structured career development programs that make employment both financially rewarding and professionally sustainable. Our industry-leading retention rate demonstrates our commitment to a people-first culture that prioritizes stability, growth and genuine care for every employee. Twoconnect is an equal opportunity employer. We value cultural diversity and foster an inclusive workplace where every employee is respected and supported as part of a growing global team. 🔗 Learn more about us through our official pages: - Website - Careers - LinkedIn - Facebook - Instagram