Title: Senior Mortgage Underwriter - (Remote) Location: Cheyenne United States Job Description: Location Options: This position is fully remote within Zions Bancorporation footprint: AZ, CA, CO, ID, NV, NM, OR, TX, UT, WA, or WY. We are seeking a highly skilled Senior Mortgage Underwriter with active FHA DE and VA SAR designations to join our team. In this role, you will apply advanced underwriting expertise to evaluate and decision residential loan applications while ensuring adherence to company guidelines and regulatory requirements. This position involves working with partners on complex matters, making strong communication skills, professionalism, and sound judgment essential. Key Responsibilities - Review, analyze, and underwrite residential mortgage applications according to company policies, investor standards, and regulatory requirements. - Analyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness. - Evaluate the collateral/property appraisal when applicable. - Recommend loan terms or conditions as necessary. - Review system-generated documentation and ensure completeness and accuracy. - Gather additional information when needed to support loan decisions. - Communicate lending decisions and respond to inquiries from affiliate banks, loan centers, and branch personnel. - Maintain accountability for risk elevation and adherence to underwriting policies and procedures. - Exercise independent judgment on unusually complex problems. - Stay abreast of changes to federal and state laws/regulations affecting consumer lending. - Perform other duties as assigned. Qualifications - 5+ years' experience with government mortgage underwriting (FHA and VA). - 5+ years' experience with agency and/or portfolio mortgage underwriting. - Active FHA DE and VA SAR designations are required. - Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA). - Extensive knowledge of mortgage credit, underwriting concepts, and loan documentation. - Proven ability to review and analyze complex income scenarios, assets, credit reports, debt ratios, and LTV calculations. - Strong understanding of federal and state consumer lending regulations. - Ability to make sound, consistent credit decisions with a high degree of accuracy. - Exceptional attention to detail and ability to maintain quality while managing high loan volume. - Strong written and verbal communication and customer service skills. - Ability to handle confidential information professionally. Benefits - Salary range: $39.56 - $58.03 per hour depending on experience plus a performance-based incentive plan. - Medical, Dental and Vision Insurance - START DAY ONE! - Life and Disability Insurance, Paid Parental Leave and Adoption Assistance. - Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts. - Paid Training, Paid Time Off (PTO). (PTO covers both sick and vacation days without distinguishing between them), 11 Paid Federal Holidays, and any applicable state holidays. - 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience. - Mental health benefits including coaching and therapy sessions. - Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire. - Employee Ambassador preferred banking products.

Title: Associate Underwriter Windstorm Risk Location: Remote - Georgia Full time job requisition id R0017305 Job Description: At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world. The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key. DUAL North America, Inc. is seeking a Associate Underwriter Windstorm Risk Classification: Full-Time Division: Windstorm Risk Salary: $70,000.00-$85,000.00 Travel: 0-10% Work Environment: Hybrid Location: Atlanta, GA Role overview DUAL North America is seeking an Associate Underwriter for the Windstorm Risk division. At DUAL, Associate Underwriters play a key supportive role through the risk underwriting process. In this role, you will assist with account quoting and binding, prepare and distribute various types of communications, and provide quality customer service through the underwriting life cycle. Supporting a team of Underwriters within the Windstorm Risk division, you will assist in evaluating windstorm risk exposures, gathering data, and supporting the Role responsibilities - Process submissions by providing account triage for Underwriters - Provide backup support for Underwriters when traveling in the market - Gather and compile information required to quote and/or bind an account - Generate, edit, and send out a variety of correspondences on behalf of the Underwriters such as declination letters, quote follow ups and subjectivity reminders - Demonstrate basic understanding of technical underwriting principles and risk underwriting characteristics - Learn market dynamics, competitive landscape, and product differences - Attend weekly underwriting meetings if applicable, ask questions - need to understand what business is selling and understanding why deals are lost and adjusting accordingly - Provide customer service and underwriting support to help achieve team new and renewal premium goals Key requirements - Bachelor's degree in risk management, finance, business or a related field preferred - 0-1 year underwriting or insurance experience - Foundational knowledge of insurance principles - Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) - Ability to follow policies and procedures - Complete assigned tasks correctly, on time and able to learn quickly - Self-motivated and demonstrating attention to detail - Be able to work independently for extended periods - Excellent written and verbal communication skills as well as general business understanding - Travel up to 10% with an Underwriter to shadow and participate in interactions between Underwriters and brokers - Must be able to remain in a stationary position 50% of the time, with occasional movement in the office to access cabinets and equipment - If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team. About DUAL Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That's how we have become one of the world's largest international underwriting agencies (or MGAs) with US$3.5bn of GWP. DUAL North America is the leading underwriting organization in the US offering commercial property, casualty, financial lines, and personal property insurance products underwritten through several specialized subsidiaries. Since 2013, we have grown to over 650 employees in 14 offices across the US, and we are continuing to grow. DUAL is part of Howden, an international insurance group with employee ownership at its heart. The group was founded in 1994 and now has divisions in broking and underwriting, operates in 55 territories and employs over 19,000 people handling US$42bn of premium on behalf of clients. What do we offer in return? A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. Our culture: people first Our core values dictate how we live and work. We're a group with independence and people at its heart and we're a home for talent with a unique culture: the biggest small company in the world. The focus on being a people-first business has always been at the very heart of the group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the group has been and will continue to be key. What we offer: A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. EEO Statement: We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

• Build and execute the growth strategy for eKnowID • Test campaigns, build funnels, measure results, and turn marketing activity into qualified pipeline and revenue • Own growth execution across customer reactivation, outbound prospecting, paid campaigns, lead nurturing, and conversion tracking • Generate qualified opportunities and convert interest into revenue • Build repeatable growth systems • Launch a win-back campaign to reactivate inactive eKnowID customers • Build and test outbound campaigns for target small business verticals • Manage segmentation, workflows, reporting, and lead nurturing using HubSpot • Launch paid campaigns on platforms such as Google, Meta, and LinkedIn • Track campaign performance weekly and recommend adjustments

This position is responsible for driving growth initiatives and achieving profitable business outcomes. The position utilizes analytics, market insights, and cross-functional collaboration to identify opportunities and drive execution to deliver measurable results **Key Responsibilities** - Drives growth and profitable business outcomes working closely with cross-functional teams, such as analytics, strategy, product, sales marketing, UX design, product, and IT to identify, evaluate and monitor growth opportunities for the business. - Own and drive initiatives end-to-end, from opportunity identification and business case development through execution and delivery of measurable results. - Works closely with other Farmers products to identify opportunities to solve gaps in cross-sell and up-sell opportunities and improve growth and income opportunities. - Supports initiatives across the business as needed to enable execution of growth priorities. - Ensures business needs and priorities are reflected in key initiatives, including supporting the alignment of incentives and business goals to ensure both growth and financial objectives are achieved. - Leverages analytics and insights to inform decision-making and drive growth initiatives. - Partners with Farmers and Zurich research and analytics teams to fully leverage the market intelligence available across the company, with specific focus on cross-sell and up-sell. - Works with the business to turn various sources of data and analytics into timely, actionable insights that support growth initiatives.