<h3>Job Description</h3>
Job Description
Overview
At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration.
Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day.
To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities.
 
Responsibilities
A Credit Underwriter 2 is responsible for spreading mid to complex financial statements in compliance with Bank standards; preparing Credit Offering Memorandums on mid to complex borrowers in concert with Commercial Lenders for consideration of commercial loan approval; compilation of the borrower’s total bank relationship; managing personal workload to ensure completion of assignments within prescribed timelines, making recommendations to Commercial Lenders as to appropriate risk ratings and address of loan policy exceptions, structural weaknesses, appraisal exceptions and environmental waivers; preparing semi-annual reports on trends within industries in which the bank may have potential credit concentrations; and providing guidance and on-the-job training to Credit Underwriter 1s.
<ul>
<li>Prepares financial spreadsheets on existing or potential borrowers using accountant-prepared or company-prepared financial statements, tax returns, budgets and/or projections.</li>
<li>Gathers all additional credit information, environmental reports, etc. as required by the structure of the credit request.</li>
<li>Prepares Credit Offering Memorandums on mid to complex borrowers, which includes a description of the credit request and all associated structural components; a detail of the borrower’s Bank relationship (loans, deposits, cash management, RDC, etc.); corporate historical / projected and personal financial statement and cash flow analysis; detailed collateral evaluation and OCC stress testing on commercial real estate projects; identification of loan policy exceptions and regulatory structural weaknesses; and assessment of appropriate risk rating.</li>
<li>Makes recommendations to commercial Lender as to appropriate risk rating and/or changes to the structural elements of the borrower’s loan request to eliminate loan policy exceptions or regulatory structural weaknesses.</li>
<li>Advises the Commercial Lender of appraisal or environmental requirements that must be approved by the Chief Credit Administrator prior to the loan proposal’s submission for approval.</li>
<li>Accompanies Commercial Lenders on customer informational calls, as requested.</li>
<li>Coordinates the completion of credit assignments with Commercial Lenders and Credit Supervisors/Managers to ensure customer needs are being addressed in a timely manner.</li>
<li>Provides basic on-the-job training and technical guidance to Credit Underwriter 1s.</li>
<li>As an integral member of the Credit Administration Department, this position is also responsible to provide assistance wherever necessary to help the Credit Administration Department and the Bank in achieving their annual goals. </li>
<li>Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner.</li>
</ul>
 
Qualifications
<ul>
<li>B.S. or B.A. degree in a business related field of study (finance, management, economics, accounting) with at least 6 credits in accounting.</li>
<li>Specialized financial analysis training.</li>
<li>Proficient reading, writing, grammar, and mathematics skills.</li>
<li>Proficient interpersonal and communication skills (both verbal and written).</li>
<li>A thorough knowledge of current lending and banking regulations, loan policies, and procedures.</li>
<li>Proven ability to analyze and interpret financial statements and information.</li>
<li>Moderate loan structuring skills.</li>
<li>Technical supervisory skills sufficient to provide guidance and training to Credit Underwriter 1s.</li>
<li>Proficient knowledge of Microsoft Word, Excel and all other departmental computer programs.</li>
<li>Minimum of two (2) years experience as a Credit Underwriter 1 normally required.</li>
<li>All applicants must be 18 years of age or older.</li>
</ul>

Underwriter 2

<h3>Job Description</h3>
Job Description
Description
We are looking to hire an Underwriter for a fulltime role. This person will ensure that files are reviewed, approved and funded.
- Identifying risk: Reviewing financial documents and business profiles to assess the risk of lending.
- Prepping files: Gathering and organizing all necessary documentation for funding decisions.
- Funding deals: Making final decisions on whether a business qualifies for funding and under what terms.
- Ensuring compliance: Making sure all deals meet internal and regulatory standards.
#eastpriority25
Job Type &amp; Location
This is a Permanent position based out of Sioux Falls, SD.
Pay and Benefits
The pay range for this position is $54080.00 - $56160.00/yr.
Health Insurance Dental Insurance Vision Insurance FSA HSA Life and AD&amp;D Insurance Voluntary Life/AD&amp;D Voluntary Short &amp; Long - term Disability EAP &amp; Work/Life Services Worldwide Travel Assistance AFLAC Supplemental Insurance 401(K)/Profit Sharing Holiday Pay
Workplace Type
This is a fully onsite position in Sioux Falls,SD.
Application Deadline
This position is anticipated to close on Jan 12, 2026.
h4&gt;About TEKsystems:
We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company. 
The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.
About TEKsystems and TEKsystems Global Services
We’re a leading provider of business and technology services. We accelerate business transformation for our customers. Our expertise in strategy, design, execution and operations unlocks business value through a range of solutions. We’re a team of 80,000 strong, working with over 6,000 customers, including 80% of the Fortune 500 across North America, Europe and Asia, who partner with us for our scale, full-stack capabilities and speed. We’re strategic thinkers, hands-on collaborators, helping customers capitalize on change and master the momentum of technology. We’re building tomorrow by delivering business outcomes and making positive impacts in our global communities. TEKsystems and TEKsystems Global Services are Allegis Group companies. Learn more at TEKsystems.com.
The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

Underwriter

<h3>Job Description</h3>
FM is a leading property insurer of the world's largest businesses, providing more than one-third of FORTUNE 1000-size companies with engineering-based risk management and property insurance solutions. FM helps clients maintain continuity in their business operations by drawing upon state-of-the-art loss-prevention engineering and research; risk management skills and support services; tailored risk transfer capabilities; and superior financial strength. To do so, we rely on a dynamic, culturally diverse group of employees, working in more than 100 countries, in a variety of challenging roles.
Chemical Operations has an immediate opportunity for an ambitious, intellectually curious and business savvy Underwriter, based in our Norwood, MA office. Are you ready to stretch your professional and personal boundaries with this unique challenge?
In this role you will be accountable for developing underwriting, relationships and engineering skills while providing technical support, primarily on underwriting issues, to the Account Manager in developing sound insurance programs for existing and prospective clients.
Based on experience candidates will be considered for Underwriter I or II.
 
<ul>
<li>Providing technical support to Account Managers in handling underwriting (UW) details such as risk assessments, value validation, linesettings analysis, reinsurance needs and placement, rating and pricing, coverage analysis, catastrophe aggregate analysis, cross liability assessments, policy review, issuance and other terms and conditions.</li>
<li>Gaining and maintaining up-to-date knowledge of UW standards, policy forms and loss prevention practices. Ensuring appropriate approvals are current and are in line with most recent underwriting standards. </li>
<li>Assisting Account Managers in developing insurance programs that satisfy client needs whilst adhering to company policies, procedures and guidelines.</li>
<li>Independently managing and processing small to midsize accounts/prospects under supervision.</li>
<li>Maintaining an up-to-date knowledge of market trends, coverage, programs, reinsurance and new developments in the North American insurance market.</li>
<li>Learning loss prevention and control concepts, including how to read and utilize information from risk reports and utilize this knowledge to assist the Account Manager in exposure identification and analysis.</li>
<li>Leading UW special projects, including peer reviews and UW audits.</li>
<li>Attending necessary training classes such as Core UW Skills I, II, and III, Client Service Process Essentials, and other training seminars offered in Norwood, MA or elsewhere in the world as provided by the FM Academy.</li>
</ul>
 
Education: Bachelor’s degree or equivalent qualification/experience; CPCU/ARM desirable
Experience: 3+ years insurance or financial industry. Experience in processing or field/account engineering a plus
Skills&nbsp;/&nbsp;knowledge:
<ul>
<li>Proactive in identifying UW needs and taking initiative to help Account Manager find solutions </li>
<li>Flexibility in prioritising and handling diverse activities and workload</li>
<li>Strong analytical and problem-solving skills with considerable attention to detail and documentation</li>
<li>Dedicated team player with excellent communication skills</li>
<li>Strong computer skills</li>
</ul>
The position is eligible to participate in FM’s comprehensive Total Rewards program that includes an incentive plan, generous health and well-being programs, a 401(k) and pension plan, career development opportunities, tuition reimbursement, flexible work, time off allowances and much more.&nbsp;
FM is an Equal Opportunity Employer and is committed to attracting, developing and retaining a diverse workforce.

<h3>Job Description</h3>
Job Description
Overview
United Wholesale Mortgage has a firm commitment to excellence and empowers individuals to become the best version of themselves. We provide opportunities to individuals who want to excel within the mortgage industry.
We are an Equal Opportunity Employer. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.
<ul>
<li>Compensation package includes stock and forgivable loan incentives (subject to contract terms and conditions)</li>
<li>Paid time off (PTO)</li>
<li>Medical, dental and vision insurance</li>
<li>Disability and life insurance</li>
<li>401(k) with employer match</li>
<li>Paid training and career development</li>
<li>Paid holidays</li>
<li>Referral bonuses</li>
<li>Flexible start time</li>
<li>Maternity and paternity leave</li>
</ul>
 
Responsibilities
<ul>
<li>Collect, review and examine an applicant’s financial history and records</li>
<li>Perform risk assessment reports</li>
<li>Analyze client’s financial statements and identify effective alternatives to application</li>
<li>Maintain knowledge of and adhere to investor guidelines, state and federal underwriting lending policies and the required documentation</li>
<li>Keep up with changes and adaptations as they occur</li>
<li>Provide elite service to internal and external clients</li>
<li>Communicate with clients via email and over the phone on loan status, which includes Mortgage Loan Officers and Broker Owners </li>
<li>Manage multiple priorities while building rapport with clients</li>
</ul>
 
Qualifications
<ul>
<li>Completed 2 or 4-year college degree </li>
<li>Complex rationale and problem-solving skills</li>
<li>Computer literacy in Microsoft Word, Excel, Outlook and other internet resources</li>
<li>Excellent written and verbal communication skills</li>
<li>Willingness to learn and be coached</li>
<li>Adaptable to a flexible, fast-changing industry</li>
<li>Self-motivated with a strong work ethic</li>
<li>Ability to take accountability for actions </li>
<li>Preferred experience in Finance and/or Accounting (financial analysis, accounts receivable and accounts payable)</li>
</ul>

Underwriter 1

<h3>Job Description</h3>
Job DescriptionHelping small businesses grow with fast, hassle-free funding tailored to their needs. This Jobot Job is hosted by: Gene Choi Are you a fit? Easy Apply now by clicking the "Apply Now" buttonand sending us your resume. Salary: $85,000 - $150,000 per year 
A bit about us:
 We are seeking a seasoned Underwriter to join our team full-time at our Brooklyn office. This role requires a sharp eye for detail and a strong background in financial analysis. The ideal candidate will have at least 3 years of experience reviewing and analyzing bank statements and financial statements, with a proven ability to assess risk and make sound lending decisions. 
Why join us?
 
<ul>
<li> Competitive Base Salary!</li>
<li> 401K match, PTO, and excellent benefits!</li>
<li> Accelerated Career Growth!</li>
</ul>
 
Job Details
 Key Responsibilities: 
<ul>
<li> Review and analyze personal and business bank statements</li>
<li> Evaluate financial statements and supporting documents to assess creditworthiness</li>
<li> Identify risks and make informed underwriting decisions</li>
<li> Communicate findings clearly and efficiently with internal teams</li>
<li> Ensure compliance with internal guidelines and industry regulations</li>
</ul>
 Qualifications: 
<ul>
<li> Minimum 3 years of experience in underwriting or financial analysis</li>
<li> Strong understanding of financial documents and cash flow analysis</li>
<li> Excellent attention to detail and critical thinking skills</li>
<li> Ability to work independently in a fast-paced environment</li>
</ul>
 Interested in hearing more? Easy Apply now by clicking the "Apply Now" button. Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Jobot also prohibits harassment of applicants or employees based on any of these protected categories. It is Jobot’s policy to comply with all applicable federal, state and local laws respecting consideration of unemployment status in making hiring decisions. Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. By applying for this job, you agree to receive calls, AI-generated calls, text messages, or emails from Jobot, and/or its agents and contracted partners. Frequency varies for text messages. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages. You can reply STOP to cancel and HELP for help. You can access our privacy policy here: jobot.com/privacy-policyCompany DescriptionJobot is on a mission to connect good people with good jobs. By combining AI-powered technology with the expertise of Jobot Pros, our experienced recruiters, we help you find career opportunities that align with your goals and values. Founded in 2018 and employee-owned since 2024, Jobot is committed to fostering a culture of kindness, respect, innovation, and connection. As an industry leader, we’ve been recognized as a top workplace by Forbes, Fortune, USA Today, and Staffing Industry Analysts (SIA). Ready to find a good job? Create your profile today at Jobot.com. 
<h3>Company Description</h3>
Jobot is on a mission to connect good people with good jobs. By combining AI-powered technology with the expertise of Jobot Pros, our experienced recruiters, we help you find career opportunities that align with your goals and values.\r\n\r\nFounded in 2018 and employee-owned since 2024, Jobot is committed to fostering a culture of kindness, respect, innovation, and connection. As an industry leader, we’ve been recognized as a top workplace by Forbes, Fortune, USA Today, and Staffing Industry Analysts (SIA).\r\n\r\nReady to find a good job? Create your profile today at Jobot.com.

<h3>Job Description</h3>
Responsible for assisting a team of underwriters with Excess &amp; Surplus Lines (E&amp;S) Casualty business on a brokerage basis via a nationwide network of wholesale brokers.
 
Responsibilities: 
<ul>
<li>Assist and support underwriters with new and renewal business including rating, form selection, binding, policy issuance and invoicing</li>
<li>Quality control of various documents including quotes, policies, endorsements, cancellations and invoices</li>
<li>Handle a high volume workload in a fast-paced environment, maintaining excellence service standards </li>
<li>Deliver high quality service to wholesale broker customers</li>
<li>Learn the underwriting process and appetite and assist underwriters with new business, endorsement and renewal underwriting</li>
<li>Evaluate submission, renewal and inspection information as part of the underwriting process</li>
<li>In conjunction with underwriters, work closely with wholesale brokers to develop relationships and enhance their understanding of the Company’s Underwriting rationale, philosophy and criteria</li>
</ul>
 
 
Qualifications: 
<ul>
<li>Bachelor’s degree </li>
<li>2+ years of Property &amp; Casualty underwriting support experience </li>
<li>Underwriting support in Excess and Surplus lines environment strongly preferred</li>
<li>Proficient in policy and workflow insurance applications</li>
<li>High energy and desire to learn</li>
</ul>
Compensation Package: 
<ul>
<li>Competitive base compensation</li>
<li>Health benefits &amp; 401K with employer match</li>
<li>Employer paid continuing education courses and designations</li>
<li>Many opportunities for career advancement</li>
</ul>
 
This is an outstanding opportunity for candidates with an entrepreneurial spirit, drive for career advancement and desire to develop relationships while helping to grow a book of business.
 
 
About our Company:
A premier national provider of property and casualty insurance, Atain is an A.M. Best “A” rated insurance company. Atain provides excess and surplus business through wholesale brokers on a nationwide basis. We invite you to consider joining our winning team!
 
Equal Opportunity Employer
The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate.

Associate Underwriter

<h3>Job Description</h3>
Salary Range:$90,000.00 To $150,000.00 Annually JOB SUMMARY With minimum supervision, provides direct support to Loan Officers to develop and analyze all relevant credit information pertaining to more complex commercial and business loans. Prepares or assists in the preparation of, Credit Authorizations in accordance with Bank’s policies and procedures for presentation to senior credit personnel and/or credit committees. Spreads and analyzes financial statement information to determine financial capacity of borrowers. Prepares thorough analysis of business and/or personal financial statements and presents facts and is expected to provide personal analytical opinions, as appropriate, concerning creditworthiness of existing borrowers and prospects. PRIMARY FUNCTIONS Interacts directly with loan officers and customers/prospects regarding commercial business loans.Prepares accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns.Prepares accurate Credit Authorization’s in conjunction with loan officers and presents a complete and thorough analysis of existing and potential borrowers.Recognize and act on customer prospects, cross sell opportunities with existing customers.Make proper referral of loan opportunities to lending personnel.Interacts independently, without direction with customers/prospects to request financial information to complete spreading presentations and other financial analysis.Assists in the accurate determination of a borrower’s debt service capacity in conformity to the type of credit analyzed.Reviews loan agreement covenants for verification of the compliance thereto.Accurately prepares financial projections as required.Maintains an accurate, up-to-date tracking log of all activity and credit arrangements in process.Collects industry information relevant to existing and proposed borrowers using internal &amp; external sources.Consult with the President, Chief Credit Officer, Credit Administration Officers, and other Loan Officers, on credit structure, pricing, collateral and other credit consideration issues. Gather information from the Bank’s LAS system to compute lending liability to the Bank.Conducts trade and reference checks on customers/prospects.Review documentation to ensure compliance with Bank policy and procedures.Performs special projects as designated by the Credit Administration. QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION AND/OR EXPERIENCE: Bachelor's degree (B. A.) from four-year college or university; or 5+ years related experience and/or training; or equivalent combination of education and experience. Knowledge of: Basic knowledge and training in financial statements and tax return analysis typically from a combination of education in accounting, financial and/or credit analysis.Intermediate proficiency with Microsoft Office Suite (Word,Excel, PowerPoint, Outlook, Teams). Working knowledge of Abrigo a plus.Strong understanding of all related State and Federal lending regulations and Bank policies and procedures.Advanced knowledge of commercial, C&amp;I, commercial real estate policies, practices and procedures. Abilities:Possess strong sales and marketing ability to sell Bank Services.Manage priorities to ensure effective accomplishment of objectives.Handle high volume of workflow from various sources.Plan, organize and prioritize tasks to meet deadlines.Lead and motivate employees to complete tasks in accordance with established standards.Analyze and solve work problems.Follow oral or written instructions.Communicate effectively with co-workers, consultants, regulators, and other parties.Prepare clear and concise reports and other documentation and correspondence.

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