• Produce and underwrite new and renewal commercial bond business • Maintain and build productive relationships with our network of independent agents and brokers • Gather, analyze and underwrite commercial surety bonds • Evaluate and manage risk associated with various types of commercial surety bonds • Understand legal documents, indemnity agreements, statutes, and insurance laws and regulations • Demonstrate sound business judgment in evaluating the financial condition, credit history, experience, and character of bond applicants • Develop new business through agency relationships • Price, quote, negotiate terms and conditions, and service accounts • Renewal bond underwriting • Contribute to internal processing and underwriting systems for standardization and efficiencies • Mentor and provide guidance and support for team members

Role Description The Senior Commercial Underwriter is responsible for commercial credit activities for FourLeaf ensuring consistency with MBL policy and commercial credit standards for commercial lending activities and portfolio. This opportunity is open to flexible work options including a remote set up. Core Contributions - Review and analyze commercial loan packages, including leases, rent rolls, tax returns, financial statements, credit reports, appraisal reports, and environmental reports. - Assess market data and risk to determine creditworthiness and make sound credit decisions in accordance with FourLeaf’s policies and procedures. - Prepare spreads of applicants’ financial statements and/or tax returns into a standardized spreadsheet form to support financial analysis of the borrower. - Handle higher volume and more complicated deals including C&I and construction transactions. - Prepare detailed credit approval memos (CAMs) for review by department AVP and FourLeaf credit committee, ensuring adherence to FourLeaf lending guidelines. - Recommend risk ratings and/or credit restructuring based on risks identified during underwriting. - Assist in upkeep of the commercial credit pipeline and provide updated statuses for loan files in process. - Correspond and collaborate with FourLeaf legal counsel, relationship managers, commercial operations specialists, commercial lending management, members, and prospective members. - Assist Commercial Capital Markets Manager in providing answers and documentation to participants’ requests for loan sales. - Maintain underwriting files and review loan documentation prepared by legal counsel to ensure accuracy of information and adherence to FourLeaf policies and procedures. - Assist with answering auditors’ questions and requests during internal and external audits of FourLeaf’s commercial lending portfolio and underwriting practices. - Assist the workout and portfolio teams for annual review and workout evaluation and proposals. - Mentor and coach other underwriters or teammates. - Assist in updating lending and underwriting policies, guidelines and procedures to ensure compliance. Qualifications - Bachelor’s Degree in Business/Finance. - 5-9 years of experience. - Strong analytical skills for documentation and evaluating owner occupied commercial real estate transactions and C&I. Requirements - The estimated salary for this role is $106,391.00 - $127,669.00 annually. Benefits - Comprehensive benefit package including medical, dental, and vision coverage. - 401K plan with employer match. - Reimbursement programs. - Wellness programs. - Annual performance-based bonus. - Competitive 401k. - Tuition reimbursement. - Flexible work options. - Volunteer opportunities. - Water Cooler Chats with executive teammates. - Clubs & Sports. - Food truck days. - …and more! Company Description FourLeaf Federal Credit Union (FourLeaf) has been committed to the financial well-being of our members for over 80 years. Through our full range of competitive savings and loan products, you can trust us in every step of your financial journey. - We are proud to be an award-winning place to work! - Recent recognitions include Certified Great Place to Work 2024-2025, America’s Greatest Midsize Workplaces 2025, Quantum Workplace Employee Voice Award 2024, and Fortune’s Best Workplaces in Financial Services & Insurance 2024. - As a credit union, our vision is to enrich the lives of our members, employees, and communities. - Since 2002, we have been an integral community partner through our charitable giving and community development programs in New York and beyond.

Title: Commercial Lines Underwriter locations Marion, IN time type Full time Job Description: A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs. We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, this specific role could have the flexibility to work from home up to 3 days per week. Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to: - Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions - Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use - Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment - Analyze loss experience, financial conditions and physical characteristics of risks - Acquire a working knowledge of supporting sections of the underwriting department - Effectively communicate with independent agents and other associates through verbal and/or written means - Participate in and successfully complete the Company underwriter training program Desired Skills & Experience - Bachelor's degree or direct equivalent experience with property/casualty underwriting - Ability to organize data, multi-task and make decisions independently - Above average communication skills (written and verbal) - Ability to write reports and compose correspondence - Ability to resolve complex issues - Continually develop product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. - Please note that the ability to work in the U.S. without current or future sponsorship is a requirement. #LI-BK1 #LI-Hybrid

• Selects, grows and maintains a profitable book of business for assigned high-volume territory with a high level of underwriting authority • Evaluates highly complex accounts, such as different business operations, multiple lines of business or special pricing requirements, for risk selection and pricing purposes • Analyzes exposure, company and branch risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from premium audit or risk improvement and other relevant information to underwrite policies • Offers appropriate coverage for exposures • Maintains proper file documentation in connection with accounts • Develops and fosters agency relationships • Educates agents on EMC products, underwriting appetite, systems and services • Visits agencies to discuss accounts and provide agents with updates at EMC in order to maximize opportunities • Coordinates with marketing and branch management in the agency planning and review processes • Serves as a mentor for less experienced underwriters • Answers questions, shares recommendations for complex situations, such as difficult accounts, communication strategies or problematic agency relationships and explains the rationale for recommendations