• Develop, document and improve underwriting guidelines to ensure consistent, high quality underwriting in collaboration with Operations, Compliance, and Corporate training. • Ensure that underwriting turn times and decisions are sound and within the scope of good business practices and company policies. • Instruct and lead underwriting team in appropriate risk management principles and how to interpret and apply credit guidelines and procedures. • Identify audit finding issues and underwriting training opportunities. • Evaluate funding requests and escalated requests by assessing risk across multiple attributes of data and determining appropriate funding limits. • Ensures administrative and operational compliance with regulatory requirements and upholds Fair Lending Practices as well as credit policies and underwriting procedures. • Responsible for Credit, Quality Control, Appraisal Management and Risk Analysis. • Review and assess compliance and quality outcomes identified in the various stages of underwriting reviews and develop action plans to correct deficiencies. • Implement regulatory, Agency, Investor and mortgage insurer guideline changes. • Make recommendations to management regarding additional credit enhancements needed to make deals more acceptable. • Manage credit risk in a manner consistent with the loan quality targets established. • Provide leadership, guidance and underwriting support. • May perform other duties and projects as assigned.

Regional Underwriting Supervisor Location: Melville, New York, 11747, United States Department: Insurance Operations Job Description: Hybrid Work Schedule Melville, New York Merchants Insurance Group is a leading Property and Casualty Insurer in the Northeast and is looking for a Regional Underwriting Supervisor for our Commercial Lines Underwriting team located in Melville, New York. The Regional Underwriting Supervisor will become part of a key dedicated underwriting management team focused on leadership and mentoring of underwriting colleagues. This position interacts extensively with internal colleagues, company management and outside Agent personnel. Merchants Insurance Group, rated A- (Excellent) with a stable outlook by the A.M. Best Company, is proud to be one of Buffalo Business First’s Best Places to Work in Western New York (2023-2025), a Fast Track company (2019-2025), and a Top Private Company (2019-2025). Merchants was also granted the Ward’s 50® designation as a top-performing property-casualty insurance company for four consecutive years (2021-2024) and has been granted the Ivans Spark Award for innovation (2024-2025). In October 2024, Newsweek and Statista included Merchants Insurance Group on their first-ever America’s Most Reliable Companies list, which highlights organizations that other companies can feel confident doing business with in 2025. Of 1,500 B2B companies evaluated, Merchants was one of only 300 companies to make the list. Merchants offers their colleagues a Hybrid work schedule. The Hybrid work schedule requires 2 full days per week in the office, with the option to work the remaining days at home or in the office. This exciting Hybrid Work benefit offers colleagues a flexible work schedule with the ability to remain connected with their Merchants team and colleagues. Essential Duties and Responsibilities include, but are not limited to: - Cultivating solid relationships with independent agents and internal staff while working towards achieving the most optimal outcomes for Merchants and our policyholders. - Supervising activities of underwriters and underwriting assistants in accordance with departmental objectives and standards. - Reviewing accounts beyond individual authority with the Regional Underwriting Manager and recommend a course of action. - Achieving regional loss ratio and production goals for commercial lines of business. Qualifications & Skills: - Qualified candidates will have a 4-year degree or equivalent work-related experience. - A minimum of 5 years' commercial underwriting experience. - Previous supervisory or management experience preferred. - Property and Casualty insurance related coursework is desired i.e. CPCU. - Previous Agency relationships within the local insurance industry – NY is highly desirable. - Microsoft Office knowledge as well as the ability to work with internal company systems (WINS, ImageRight etc.). - Strong communication and organizational skills. Merchants Insurance Group Pay information: Merchants Insurance Group offers a competitive pay scale. The estimated salary for this role ranges from $105,000 - $140,000 based on leveling and geography, along with an equity component and a comprehensive benefits package. This range is merely an estimate; actual compensation may deviate from this range based on skills, experience and qualifications. Merchants Insurance Group Benefits: - Welcoming and positive work environment - Flexible work arrangements, including flex scheduling and summer hours. - Hybrid work schedule. The Hybrid work schedule will require 2 full days per week in the office, with the option to work the remaining days per month at home or in the office. - Competitive pay scale. - Outstanding company bonus program. - Generous paid time off package. - Full Benefits: Health, Dental, Vision, Life Insurance, Short Term Disability, 401(k) employer match amount is 100% up to 6% of your annual contributions. You are immediately 100% vested in the employer match dollars. - Tuition Reimbursement. And many more exciting company benefits!! Merchants Insurance Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. Merchants Insurance Group supports a safe workplace through pre-employment background screenings.

• Evaluate, select, and manage underwriting risks while contributing to team performance and portfolio outcomes • Underwrite new and renewal business, including evaluating risk, determining terms and conditions, and making decisions within delegated authority • Manage underwriting workflow through the full lifecycle, including submissions, binding, policy servicing, and documentation in accordance with company and regulatory standards • Monitor production metrics, including retention, spread of risk, and underwriting performance, to support portfolio quality and predictability • Review and resolve underwriting issues, including inspection findings, servicing requests, and coverage adjustments to maintain risk accuracy • Collaborate with producers, agents, and internal teams to ensure timely communication and effective execution of underwriting decisions • Provide leadership and coordination across underwriting teams, ensuring alignment, communication, and adherence to policies and procedures • Mentor and support the development of less experienced underwriters through technical guidance and knowledge sharing

Role Description Munich Re Canada is seeking a senior, bilingual, client-focused underwriting consultant who will bring strong technical judgment, curiosity and a passion for underwriting to our team. This role combines production underwriting for our facultative business with client partnership, team mentoring and contributions to modernization initiatives that support consistent, efficient and forward-looking underwriting outcomes. - Assess and underwrite complex Life & Health facultative risks by applying sound medical, financial, occupational, avocational, and risk-selection judgment within established authority levels. - Deliver responsive, consultative support to clients by providing clear underwriting rationale, practical solutions and timely file management that strengthen long-term client relationships. - Contribute to underwriting modernization initiatives, including the effective use of data, automation, rules engines, digital evidence, and workflow tools to improve quality, consistency, and efficiency. - Mentor, coach and support underwriters through case consultation, co-signing, technical guidance, and knowledge sharing to build capability across the team. - Partner with cross-functional teams, including medical, claims, actuarial, pricing, reinsurance operation risk, compliance, and technology, as an underwriting subject matter expert in support of business priorities. - Monitor emerging risk trends, evolving sources of underwriting evidence, regulatory considerations, and market developments to support informed, consistent, and forward-looking risk selection. - Support continuous improvement by identifying opportunities to enhance underwriting guidelines, processes, client experience, controls, and training materials. Qualifications - Bachelor’s degree (or equivalent experience). - Industry designations preferred (FALU, FLMI), or a demonstrated commitment to ongoing technical and professional development. - 5+ years of Life & Health underwriting experience, including complex and facultative cases; Critical Illness or Disability underwriting experience is an asset. - Bilingual French/English (oral and written) is required. - Advanced knowledge of medical, financial, occupational, and avocational risk assessment, as well as insurance principles, contract provisions, and regulatory considerations relevant to underwriting decision-making. - Strong digital fluency, including comfort using underwriting platforms, data, automation, rules engines, workflow tools, and evolving sources of evidence to support consistent and efficient risk selection. - Excellent critical thinking, analytical judgment, and critical thinking skills, with the ability to synthesize complex information and provide clear, well-reasoned recommendations. - Strong relationship-building and influencing skills, with the ability to partner effectively with clients, underwriters, and cross-functional stakeholders. - Demonstrated ability to mentor, coach or provide technical guidance to others, with a commitment to knowledge sharing and team development. Benefits - An engaging and collaborative environment that promotes continuous learning and development. - A hybrid work environment that combines weekly in-office and remote days. - A great compensation package including annual company bonus. - Market leading company-paid flexible health and dental benefits, starting on your first day. - Flexible dollars provided by the company to put towards Health Spending Account and/or Wellness Spending Account. - Immediate participation in DC Pension Plan with an automatic employer contribution, plus optional company match. - Generous time off including vacation, personal days, unplanned time, Statutory Holidays and company-wide early closure half-days. - Learning and development programs and resources, including unlimited access to LinkedIn Learning, Education Assistance Program and reimbursement for professional fees. - Maternity, Parental & Adoption Leave top-up program. - Employee Referral Program, Recognition & Rewards Platform.