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Job Description 
In this compelling leadership position, you will be accountable for assessing and identifying potential risks that may threaten our reputation, safety, security, and/or financial success, as well as communicate and collaborate with key stakeholders across the enterprise, and understand business objectives. This position will serve as a key member of the Multifamily Enterprise Risk Management team with primary responsibly for leading the team that is focused on oversight of pre-acquisition and pricing activities associated with multifamily loans.
THE IMPACT YOU WILL MAKE The Senior Director Multifamily Underwriting and Pricing Oversight role will offer you the flexibility to make each day your own, while working alongside people who care so that you can deliver on the following responsibilities:
<ul>
<li>Lead team responsible for pre-acquisition, loan quote, pre-review and pricing oversight activities of the Multifamily business.</li>
<li>Build out oversight framework to enhance ability to provide real-time feedback and effective challenge of the Multifamily business as it relates to credit and pricing decisions for new loan quotes and acquisitions.</li>
<li>Collaborate with executive leaders, your team, and other key stakeholders to establish annual oversight plan.</li>
<li>Lead collaboration efforts across teams to identify and evaluate the risks to Multifamily of new transactions, business activities and programs.</li>
<li>Serve as subject matter expert to internal stakeholders as it relates to Multifamily pre-acquisition and pricing activities and trends.</li>
<li>Advise on risk mitigation strategies and approaches including control gaps and risk assessments.</li>
<li>Document and present findings and/or conclusions of analysis to key stakeholders and senior management in a thoughtful and persuasive manner.</li>
<li>Partner with Multifamily and other stakeholders to carry out business strategies that will drive success and ensure safety and soundness in the face of shifting market conditions and regulations.</li>
</ul>
Qualifications 
THE EXPERIENCE YOU BRING TO THE TEAM
Minimum Required Experiences
<ul>
<li>8 years related experience</li>
<li>Multifamily and GSE loan structuring experience</li>
<li>Demonstrated experience leading a team</li>
<li>Prior experience performing financial and trend analysis and reporting findings</li>
<li>Prior experience with credit risk, loan quality analysis, or risk assessment and risk management</li>
<li>Strong communication skills, both written and verbal</li>
<li>Advanced Excel skills</li>
</ul>
Desired Experiences
<ul>
<li>12 years related experience</li>
<li>Bachelor degree or equivalent; Master degree preferred</li>
</ul>
Additional Information 
The future is what you make it to be. Discover compelling opportunities at <a href="www.fanniemae.com/careers">careers.fanniemae.com.</a>
Fannie Mae is primarily a hybrid company. We embrace flexibility for our employees while providing office space for in-person work and collaboration. This role is classified as (Hybrid). If you speak with a Recruiter, they will provide you with more information about the definition of this classification.
Fannie Mae is an Equal Opportunity Employer, which means we are committed to fostering a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, religion, national origin, gender, gender identity, sexual orientation, personal appearance, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation in the application process, email us at <a href="mailto:careers_mailbox@fanniemae.com" target="_blank">careers_mailbox@fanniemae.com</a>.
#LI-JD1
#LI-Hybrid Hybrid remote/in-office
The hiring range for this role is set forth on each of our job postings located on Fannie Mae's Career Site. Final salaries will generally vary within that range based on factors that include but are not limited to, skill set, depth of experience, certifications, and other relevant qualifications. This position is eligible to participate in a Fannie Mae incentive program (subject to the terms of the program). As part of our comprehensive benefits package, Fannie Mae offers a broad range of Health, Life, Voluntary Lifestyle, and other benefits and perks that enhance an employee’s physical, mental, emotional, and financial well-being. See more <a href="https://www.fanniemae.com/careers/benefits" target="_blank">here.</a>

Senior Director Multifamily Underwriting and Pricing Oversight (Hybrid)

Finance-Quantitative Analyst (New York, NY): Enhance existing quantitative models to reflect evolving market dynamics &amp; changes in mortgage underwriting as well as to expand model coverage. Create analytical tools &amp; reports to help clients track collateral performance, quantify market risk, &amp; assess relative value. Design &amp; develop quantitative financial models (mortgage delinquent model, prepayment model, liquidation model, &amp; severity model) to price &amp; control risk of mortgage financial products. Develop machine learning models for Collateralized Loan Obligations &amp; perform statistics analysis based on specified pools' various attributes &amp; trading history to provide investment advice to clients. Project expected loss &amp; default numbers for issuing new deals. Work with programming languages such as Python, C++, SQL, SAS, &amp; R. Req's Master's degr plus 1 yr exp. The salary range is $112,200 - $180,000 annually, based on various factors such as experience, education, skills, internal &amp; external market data, etc. Please forward your resume to Credit Suisse, P.O. Box AL194CSNY, 909 Third Avenue, 15th floor, New York, NY 10022. No phone calls.

Finance-Quantitative Analyst

About BCRF
Breast cancer is a complex disease with no simple solution.Research is the key to stopping it in its tracks. Founded in 1993by Evelyn H. Lauder, the Breast Cancer Research Foundation (BCRF)is the largest private funder of breast cancer research in theworld. We invest in the best minds in science—from thoseinvestigating prevention, diagnosis, treatment, survivorship, andmetastasis—giving them the opportunity to pursue their mostinnovative ideas. Our combination of investment andcross-disciplinary collaboration accelerates the entire field andbuilds momentum for new discoveries. 
Since its inception, BCRF has invested over $900 million inresearch, which has significantly contributed to a 43% decline inbreast cancer deaths over the past three decades. BCRFinvestigators have been behind every major breakthrough in breastcancer research, and the field is moving faster thanever. 
Today, BCRF is the largest private funder of breast cancerresearch—and metastatic breast cancer research—worldwide and thecountry’s top-rated breast cancer research organization. BCRF iscurrently supporting 255 investigators across 14 countries atleading medical and academic institutions with $62.3 million inscientific grants.
About Play for P.I.N.K. 
We help 30,000 people a year turn their passion for play intolifesaving advances in breast cancer research. Play forP.I.N.K.(revention, Immediatediagnosis, ewtechnology, Knowledge) supports volunteersorganizing sporting and lifestyle events (primarily golf and tennistournaments held at country clubs) to benefit the Breast CancerResearch Foundation.
Thanks to underwriting from The Estée Lauder Companies’ BreastCancer Campaign, Play for P.I.N.K. (PFP) donates 100% of allproceeds to BCRF to fund the world’s leading researchers. Theorganization continues to grow in staff, geographic reach and itsfundraising. Last year, over 250 events were organized byvolunteers across 30 states raising a record-breaking $5.75million. Since its inception, Play for P.I.N.K. has raised nearly$80 million to fund breast cancer research that is saving lives,improving outcomes and uncovering new approaches to thischallenging disease.
About the Role
The Managing Director, Play for P.I.N.K. (MDPFP) is a strategicleader responsible for managing and growing Play for P.I.N.K.’sfundraising program. They will play a key role in developing thePFP Board, staff and volunteers in a manner that will grow PFP’srevenue and will work in partnership with other BCRF team membersto develop collaborations and other opportunities in support ofPFP’s mission. 
Reporting to BCRF’s President &amp; CEO, the Managing Directoris responsible for driving strategy for board and volunteerdevelopment and expanding PFP’s fundraising efforts. The ManagingDirector supervises two full-time staff positions as well asconsultants and vendors. They will also partner closely with BCRF’sChief Operating Officer who serves as PFP’s Chief FinancialOfficer.  
The successful candidate will have expertise in managingvolunteer Boards and volunteer-led events. They must be anexceptionally mission-driven strategist with a successful marketingand fundraising track record and a gifted communicator andcollaborator. 
Primary Responsibilities
<ul>
<li>As part of BCRF’s overall strategic plan, develop and implementan inspiring strategy and action plan that advances the PFPorganization’s overall mission.</li>
<li>Build new capabilities, utilizing industry best practices,professional networks and tools to grow PFP’s influence andimpact.</li>
<li>Be opportunistic and responsive to the external landscape toidentify and seize opportunities, enlist new partnerships, andexpand geographic reach.</li>
<li>Inspire, nurture, and support a highly motivated and skilledstaff, volunteer base, and consultants and manage the PFPbudget.</li>
<li>Partner with BCRF colleagues to maximize opportunities forbuilding PFP and BCRF’s brand awareness and supporters.</li>
<li>Lead PFP Board activities serving to inspire and support Boardmembers and their activities. Grow and diversify the PFP Boardwhile ensuring continuity. </li>
<li>Work closely with volunteer leadership of the larger events tomaximize the participant experience and ultimately the fundraisingsuccess. Provide fundraising and logistical support, as needed.Serve as PFP spokesperson at key events. </li>
<li>Work closely with the CFO to ensure proper governance, andfinancial management including reporting and regulatory compliance.Oversee the procurement process to ensure effective expense budgetmanagement.</li>
<li>Develop and implement volunteer stewardship that helps retainand grow participant involvement.</li>
<li>Manage PFP’s external communications, coordinating closely withBCRF’s Marketing and Communications team and externalvendors. </li>
</ul>
Qualifications
<ul>
<li>15+ years of experience with nonprofit grassroots fundraisingand/or similarly aligned corporate marketing and eventsmanagement.</li>
<li>Proven leadership skills including working with Board and othervolunteer stakeholders. </li>
<li>Interest in the sport of golf and/or tennis.</li>
<li>Understanding of the fundraising and events marketing landscapeincluding trends and best practices. </li>
<li>Evidence of success in developing strategic plans, developingmetrics and achieving goals. </li>
<li>Skilled at responding to evolving organizational strategies,growing teams, building infrastructure, and improving operationsand efficiencies.</li>
<li>Excellent strategic communication skills, including written andverbal communication, public speaking skills, and keen attention todetail and nuance.</li>
<li>Accustomed to working, problem solving and collaboratingthoughtfully in a fast-paced environment. </li>
<li>Ability to work creatively within a resource constrainedenvironment while leveraging the broad and significant array ofassets to maximum impact.</li>
<li>Bring a data-driven approach to evaluating impact and overalldecision-making.</li>
<li>Proven success leading and motivating high-performingteams.</li>
<li>Passion for the mission and work of PFP and BCRFessential.</li>
</ul>
Compensation The salary range for this position is $140,000 - $170,000 annually,along with an exceptional benefits package focusing on employeephysical, financial, and mental wellness.
This is a full-time position. There will be the occasionalneed to work extra hours in the evenings and on weekends to fulfillthe requirements of the role.
Location  This position is based in New York City, New York. While performingthe duties of this role, you would be expected to be in the officeat least three days per week. 
To Apply Please submit a cover letter expressing your intention to apply forthe role, and a CV.
Only short-listed candidates will be contacted. Please, no phonecalls. All inquiries will be held in confidence.
Our Commitments BCRF is proud to be an Affirmative Action/Disabled/Veterans EqualOpportunity Employer.
BCRF upholds an equal opportunity employment policy andemploys personnel without regard to race, creed, color, ethnicity,national origin, ancestry, religion, sex, sexual orientation,gender identity or expression, marital status, age, physical ormental ability, veteran status, military obligations, geneticinformation, or any other basis protected by applicable law. This policy applies to all applicants, employees, consultants,third-party workers.
Please note that this role description is not designed tocover or contain a comprehensive listing of activities, duties, orresponsibilities required of the employee for this role. Duties,responsibilities, and activities may change, or new ones may beassigned at any time, with or without notice.

Managing Director, Play for P.I.N.K.

<h3>Job Description</h3>
Job Description
<ul>
<li>An exceptional company with a firm commitment to its people and culture</li>
<li>Become a key part of a forward-thinking, inclusive, and diverse team that values every perspective</li>
<li>Earn a competitive salary, and comprehensive benefits! </li>
</ul>
About Velocity Risk
By innovating the connection of risk and capital, Velocity Risk delivers specialty property insurance in catastrophe-prone communities. We are transforming old insurance practices by embracing Nature’s volatility and turning “problems” into potential. Our uncommon approach to business creates uncommon careers where employees are empowered to flourish.
Picture a workplace free from bureaucracy—a community of over 140 passionate individuals across four offices and remote locations, with over 20% ownership by employees. At Velocity, your voice matters, and your impact is celebrated. Our culture rejects hierarchy; instead, performance is valued at every level—individual, company, and team.
Rewrite the narrative of insurance with us, a company recognized in Business Insurance’s 'Annual Best Places to Work'. Our integrity and commitment, embodied in our AM Best A- rating, define us. Thrive amid challenges—Join us, and let your career race ahead with Velocity!
To learn more about us, please visit: velocityrisk.com/about
About the Opportunity
Velocity Risk is offering an exciting opportunity for full-time Underwriter II and Senior Underwriter roles, featuring a hybrid work arrangement of two days from home and three days in-office, based at one of our sites in Chicago, IL; Atlanta, GA; Nashville, TN; or Birmingham, AL (hybrid). A remote work option is available for the right candidate.
Shared Responsibilities:
<ul>
<li>Analyzing and underwriting a profitable book of business for Commercial Lines, including determining risk acceptability, setting pricing, and establishing underwriting guidelines</li>
<li>Auditing underwriting files and accounts for process improvements</li>
<li>Nurturing and developing positive relationships with agencies and producers in assigned territories, while strengthening existing partnerships</li>
<li>Managing, training, and mentoring a team of Underwriters Is and Assistants</li>
</ul>
As a Commercial Underwriter II, you are responsible for analyzing and underwriting business for Commercial Lines to meet Combined Ratio and capital metric goals.
Underwriter II Specific Responsibilities:
<ul>
<li>Assisting the Senior Underwriter team with a variety of responsibilities</li>
<li>Achieving business unit objectives through quality decision-making and strict adherence to underwriting practices</li>
<li>Collaborating and partnering with the larger Commercial Lines team and across departments to enhance and improve Velocity Risk's products and services</li>
</ul>
As a Senior Underwriter, you are responsible for building a large book of business as well as coaching and mentoring underwriters and underwriting assistants.   
Senior Underwriter Specific Responsibilities:
<ul>
<li>Serving as a front-line manager for Velocity, overseeing various operational aspects</li>
<li>Assisting the Head of MMB in managing the underwriting functions within MMB</li>
<li>Collaborating with business units like Claims, Compliance, and Operations to prioritize projects and implement efficiencies for optimal underwriting and business performance</li>
<li>Proactively coaching and engaging a team of Underwriters and Underwriting Assistants, enhancing their daily performance and skillset</li>
<li>Partnering with department AVP’s and the Head of MMB to develop and suggest improvements for underwriting frameworks and product offerings</li>
</ul>
More About You
To qualify for the Underwriter II role, you must have a minimum of 3 years of Commercial Insurance experience with Bachelor’s degree (Risk Management or similar) or equivalent industry experience.
To qualify for the Senior Underwriter position, candidates need a minimum of 5 years of experience in Commercial Insurance, coupled with prior management and leadership experience, along with a Bachelor's degree or equivalent industry experience. You embody competence, demonstrating the ability to make sound decisions under pressure in areas encompassing both underwriting and personnel management.
Shared Qualifications and Attributes:
<ul>
<li>Possession of professional insurance designations (asset)</li>
<li>Experience in disaster insurance (asset)</li>
<li>Strong foundational knowledge of underwriting best practices and strategies</li>
<li>Deep understanding of insurance processes, including claims and Broker of Record changes</li>
<li>Comprehensive awareness of the intermediary role, ensuring effective broker-client interactions</li>
<li>Familiarity with underwriting software</li>
<li>Proficiency in Microsoft Suite, including Excel, Word, PowerPoint, and Outlook</li>
<li>Willingness to take a hands-on approach and actively assist in various tasks</li>
<li>Demonstrated ability to work collaboratively, exceeding personal duties to support team members</li>
<li>Proven experience in leading, training, and guiding others</li>
<li>Exceptional skill in building strong, impactful relationships with stakeholders, both internally and externally</li>
</ul>
As an ideal candidate, you are an individual who combines autonomous, results-driven work with a collaborative ethos. You should be self-motivated, possess strong organizational and communication skills, capable of articulating clear messages across all levels. Your agility in multitasking reinforces our culture of balancing business objectives with a service-focused approach, essential in fostering robust relationships.
About the Benefits
In exchange for your hard work and dedication, you will receive a highly competitive salary, negotiable dependent on experience, along with a great host of benefits, including:
<ul>
<li>Medical, Dental, and Vision fully subsidized by Velocity</li>
<li>Health Savings Account with employer contributions</li>
<li>401k after 6 months of employment</li>
<li>Education and Certification Reimbursement and Bonus programs</li>
<li>Paid Time off and company Holidays with floating holidays for flexibility </li>
<li>Gym membership reimbursements</li>
<li>Volunteer rewards and “give-back” initiatives</li>
<li>In-office lunch provided daily</li>
</ul>
If you are interested in progressing your career with a growing company, apply today!

Underwriter II / Senior Underwriter

<h3>Job Description</h3>
Role:
To approve or deny mortgage and home equity applications, following Credit Union standards as well as secondary market guidelines.
Essential Functions &amp; Responsibilities:
<ul>
<li>Reviews and evaluates all information on mortgage and home equity application documents to determine if the borrower, property, and loan conditions meet Credit Union and secondary market lending standards.</li>
<li>Approves or rejects loan applications and/or requests additional required documentation/information in compliance with Align policy procedures, and guidelines.</li>
<li>Knows, understands and adheres to all regulatory requirements related to financing on Residential property including, but not limited to HMDA, ECOA, TILA/RESPA, TRID, and Fair Lending.</li>
<li>Assists in daily pipeline management to ensure that deadlines are met. This includes working closely with the Processing, Originations and Closing teams to ensure that loans are moving through the pipeline in a timely manner to meet rate lock expiration, mortgage commitment and closing dates as well as department turn-time standards.</li>
<li>Prepares approval, denial, and counteroffer notices in a clear and concise manner so that all applicants are provided with loan decisions that are meaningful and easy to understand. Ensures that all conditions, denial reasons, and counteroffer terms are presented in a manner that is easy to understand to the borrowers.</li>
<li>Serves as a resource to originators, processors and branch staff with questions regarding processing and member eligibility for mortgage financing.</li>
<li>Stays up to date with all secondary market and investor guidelines as well as all Private Mortgage Insurance guidelines.</li>
<li> Performs other job-related duties as assigned.</li>
</ul>

Mortgage Underwriter

Description:

The Underwriting Department applies the knowledge of Allied's products, plan documents, underwriting manuals and computer systems. This includes company procedures and philosophies, along with using sound judgment, to assess the risk and establish pricing to insure the profitability of new and renewal business. The underwriter will work in a team atmosphere utilizing not only their own expertise but also the expertise of their peer group. An important component of this position is to provide the services mentioned above in a positive, professional, thorough, and courteous manner, enabling Allied to be recognized as a service-driven organization. 

As the voice of Allied underwriting, communication with the Account Executives and our customers is a critical component of this position. Utilizing medical expertise in the overall risk evaluation and rate recommendation is essential for this position. 
<ol>
<li>Must be proficient in all functions in Levels 1, 2 &amp; 3 in accordance with department quality and quantity production standards.</li>
<li>Underwrite New Business according to parameter guidelines and determine eligibility of a group for health insurance based upon a review of all eligibility information that has been obtained. </li>
<li>Review Medical Load Report prepared by level 2, and evaluate appropriate medical risk. </li>
<li>Review Participation Worksheet and Group Eligibility prepared by level 2. </li>
<li>Review Current Carrier Bills and Renewal Rates and compare to census presented and Allied generated rates. </li>
<li>Conduct employer phone call and as needed contact individual applicants for additional health information and or clarification. </li>
<li>Send out final new business rate and run any alternate quotes approved by Level 4. </li>
<li>Create Self-Funded Accounts in AI.</li>
<li>Review Allied and MGU Pre-Screens completed by Level 2 and make appropriate documentation to be reviewed by Level 4.</li>
<li>Review Health Renewals &amp; load into spreadsheet.</li>
<li>Review and create synopsis of claim referrals to determine medical eligibility of an insured to be finalized by level 4. </li>
<li>Review and create synopsis of IDC complaints to be finalized by level 4.</li>
<li>Process appropriate contact management &amp; UAS mailbox activities. </li>
<li>Determine appropriate rate for additions on Ancillary Products. </li>
<li>Review recommendations from Level II on Ancillary late enrollee and Short Term medical rewrite applications. </li>
<li>Review monthly manual dental renewals, populate spreadsheet with rating recommendations to be approved by underwriting management. </li>
<li>Quality review accuracy of Dental Monthly renewals. </li>
<li>Meet established department production standards for quality and quantity.</li>
</ol>
(Management retains the discretion to add or change the functions of this position at any time.)
Requirements:
<ol>
<li>High School graduate or equivalent.</li>
<li>One to two years related work experience or equivalent college education.</li>
<li>Certification in Medical Terminology I and II.</li>
<li>Ability to comprehend and interpret information directly from product brochures, certificates and insurance contracts.</li>
<li>Ability to speak, read, comprehend and follow written and verbal English instructions. </li>
<li>Ability to communicate effectively verbally and in writing.</li>
<li>Basic mathematics skills.</li>
<li>Demonstrated decision-making skills and the ability to work with minimal supervision.</li>
<li>Excellent planning and organizational skills.</li>
<li>Ability to meet company attendance requirements.</li>
<li>Ability to sit or stand at workstation for 7 ½ hours per day.</li>
<li>Ability to withstand the stress of meeting deadlines and telephone calls from irate agents or other individuals.</li>
<li>Ability to meet departmental training, quality and production standards.</li>
<li>Must meet all requirements listed above under Level 1 &amp; 2.</li>
<li>Minimum 4 years of office experience or equivalent college education.</li>
<li>Knowledge and understanding of medical terminology.</li>
<li>Very strong knowledge and understanding of medical terminology.</li>
<li>Minimum 3 years experience in the insurance industry, including 1-2 years experience in group and individual medical underwriting preferred, or equivalent medical background.</li>
</ol>
PI0db330fb346a-31181-34195124

Underwriter III

<h3>Job Description</h3>
Job Description
Job Description 
Sr. Underwriter 
Classification: Exempt -This is not a remote position
Reports to: Associate Director of Underwriting 
Summary/Objective  
The Sr. Underwriter is responsible for supporting loan origination volume by conducting loan-level due diligence to underwrite loans on SFR (1-4 units) and multi-family or mixed-use properties.  The Sr. Underwriter reports directly to the Associate Director of Underwriting. 
Essential Functions 
<ul>
<li>Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. </li>
</ul>
<ul>
<li>Responsible for conducting loan-level due diligence and ensuring each loan conforms to our underwriting and/or investor guidelines </li>
<li>Manage a pipeline of loans submitted for closing. </li>
<li>Interact with other areas of the firm, including processing, sales, and the closing/funding teams, as well as servicing and secondary sales teams. </li>
<li>Issue updated final underwriting approval with terms and assign to legal team/attorney.  </li>
<li>Document all activities in our system and provide feedback on improvement as necessary.  </li>
<li>Review contingencies and underwrite rehabilitation and construction budgets.   </li>
<li>Carry out requisite loan calculations (LTV, LTC, ARV, DSCR, DTI, etc.)   </li>
<li>Verify market comparables for both rental values as well as property sale values.   </li>
<li>Conduct appraisal analysis to determine acceptable collateral standards are met.   </li>
</ul>
<ul>
<li>Property valuation using online tools available to determine values given by appraisal is appropriate and substantiated. </li>
<li>Review and approve third-party reports, including property appraisals, physical needs assessments, environmental reports, lease abstracts, title reports, insurance binders, etc. </li>
<li>Keep informed of current Secondary Market guidelines   </li>
<li>Maintain productivity level and turn times as established by management </li>
<li>Pricing loans using internal Excel tools or various external investor pricing models </li>
<li>Perform other duties as required </li>
</ul>
Requirements 
<ul>
<li>Bachelor’s degree  </li>
<li>7+ years in lending operations for real estate as an underwriter  </li>
<li>Experience in appraisal reviews or developing valuation on SFR and/or multi-family or mixed-use properties  </li>
<li>Experience in managing/mentoring Junior Underwriters </li>
<li>Knowledge of loan underwriting and related activities  </li>
<li>Superb communication, organization, and interpersonal skills  </li>
</ul>

Senior Underwriter

<h3>Job Description</h3>
We are seeking a Conventional Underwriter to join a well established Mortgage/Financial services company. This is a 100% remote position. The ideal candidate will have 5+ years of experience, D.E./CHUMS ceritifcation and conventional and FHA experience. This company offers great benefits, high per file bonuses, annual bonuses and sign on bonuses! Apply now for consideration!

Qualification:
· Minimum 5 years conventional underwriting experience. 
· Minimum 2 years FHA experience. 
· D.E./Chums ID required. 
· Ten or more years mortgage lending experience preferred.

Responsibilities include:

· Underwriting of FHA loans to county high balance loan limits. 
· Complete understanding of FHA guidelines and comprehensive familiarity with FHA Connection.

Conventional Underwriter 3

<h3>Job Description</h3>
You will be primarily responsible for reviewing incoming merchant applications, verifying the legitimacy of documentation, and ensuring that processing limits requested are in line with the merchant application and business type. You will analyze all aspects of the merchant application, calculating financial risk, and set merchant reserves limits. The ideal candidate will have knowledge in the merchant payments industry specifically credit underwriting. 
Primary Objectives:
<ul>
<li>Review and underwrite merchant processing applications</li>
<li>Assess risk based on business type and expected volumes</li>
<li>Review supporting documents for completeness and accuracy</li>
<li>Review credit profiles and additional financials to support risk</li>
<li>Review accounts while adhering to card brand policies, bank requirements and federal limitations.</li>
<li>Analyze previous processing statements to determine Accuracy of volumes and potential exposures</li>
<li>Make reserve recommendations </li>
<li>Perform periodic reviews of existing accounts for volumes increases or changes to approved credit limits</li>
</ul>
Responsibilities:
<ul>
<li>Underwrite merchant applications for payment processing</li>
<li>Perform due diligence reviews on merchants and merchant applications.</li>
<li>Maintain knowledge of card brand rules and regulations</li>
<li>Work individually and with peers to help achieve beyond related sales and team goals</li>
<li>Utilize strong call handling techniques in relation to sales support and merchant support calls</li>
<li>Perform extensive reviews of documentation in response to merchant onboarding </li>
<li>Coordinate site survey assessments for business validity and accuracy of merchant application information</li>
<li>Determine solutions to minimize financial risk related to card acceptance </li>
<li>Other duties as assigned. </li>
</ul>
Job Requirements:
<ul>
<li>1-3 years of experience in Payments or banking</li>
<li>Underwriting experience in the credit card processing industry preferred</li>
<li>Payments, and Banking Statement Financial knowledge preferred</li>
<li>An understanding of the KYC and beneficial ownership requirements</li>
<li>Excellent written and oral communication skills. </li>
<li>Customer service oriented, ability to escalate &amp; de-escalate situations</li>
<li>Analytical mindset</li>
<li>Detail oriented, able to multitask and prioritize</li>
</ul>
Job Type: 
<ul>
<li>Full-time / Hours 10am to 7pm M-F(shift per days may vary)</li>
</ul>
About Us
Beyond strives to simplify operations, reduce costs and streamline payments for small and mid-size business owners across the country. Every customer is provided with the reliable, flexible, and secure business solutions they need in a clear, transparent manner they can trust. We are committed to the highest level of technological innovation, contract terms and customer service—earning our customers’ business every day. Every employee is provided with the vital tools, resources and compensation needed to achieve success.
We will deliver results, tell the truth, and make a difference with a determination to transform the business world. Good is not nearly good enough. We go Beyond.
This job description provides many examples of the types of responsibilities required, but is in not intended to be a comprehensive list.  The incumbent will complete other job responsibilities as needed which are not specifically described in this document.
Beyond is an equal opportunity employer to all employees and applicants without regard to race, color, religion, sex, national origin, age, disability or genetics. Beyond complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. 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.
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YeoZ8XNkKK

Junior Underwriter

<h3>Job Description</h3>
Description:
Job Summary
Kleberg Bank, N.A. believes that the customer’s experience is our Brand. Each individual at Kleberg Bank, N.A. is committed to providing “Excellent” customer service. The Consumer Underwriter I position requires an aptitude toward sales, analytics and problem solving. The ability to “Think outside the box” and creatively are a must. This position supports the Underwriting Manager with underwriting of consumer loan applications, reporting, relationship development and compliance. 
The following essential duties do not cover an all-inclusive list of work requirements. Individuals will perform other job-related duties as assigned, including work in other areas to cover absences or otherwise balance the workload. 
Essential Duties
<ul>
<li>Underwrite direct and indirect consumer credit applications received from internal relationship bankers and external indirect automobile dealerships. </li>
<li>Communicate lending decisions internally and externally. </li>
<li>Assist bankers with direct applications, understanding loan decisions and suggesting alternative products for customers. </li>
<li>Assist with collection efforts as needed. Contact assigned dealers to build personable relationships, ask for business and obtain commitments on approved applications. </li>
<li>Acts as internal sales, building and maintaining professional relationships with dealership employees and management. </li>
<li>May occasionally need to assist with funding, collections and other department related tasks. </li>
<li>Audit and review applications for credit and existing loans as required. </li>
</ul>
Competencies 
<ul>
<li>Ability to review and understand financial data including credit reports, income documentation and related ratios. </li>
<li>Ability to communicate verbally and in writing. </li>
<li>Ability to understand and adhere to government lending laws and regulations. </li>
<li>Ability to understand and follow bank lending policy. </li>
<li>Complete required annual continued education as assigned. </li>
<li>Must have high degree of attention to detail. </li>
</ul>
Supervisory Responsibility
This position has no supervisory responsibilities. 
Work Environment
This job operates in a bank branch office. It is a professional environment. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. 
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to use vision; hands to manipulate, handle, or feel; reach with hands and arms; and to talk and hear. The employee frequently is required to walk and sit. The employee must occasionally lift and/or move up to 25 pounds. 
Position Type/Expected Hours of Work
This is a full-time, exempt position. Days and hours of work are Monday through Friday, 9:00 a.m. to 6:00 p.m. Frequent evening and weekend work is required as job duties demand to assist customers and attend networking events. 
Travel
No travel is expected for this position. Required Education and Experience: High School diploma or equivalent required. Minimum two (2) years of experience reviewing credit reports and income documentation and related ratios. 
Requirements:
Preferred Education and Experience
Bachelor’s degree in finance, accounting or a related field is preferred. Will consider applicants with an equivalent combination of education and experience. 
Additional Qualifications
Ability to learn and use job specific software. Evaluates and learns the technological skills necessary to efficiently and effectively perform the functions of this job. Develop clear, concise, and easy to understand documents using database, spreadsheet, word processing and/or desktop publishing software. 
AAP/EEO Statement
Kleberg Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, status of protected veteran, among other things or status as a qualified individual with a disability. 
Other Duties
Duties, responsibilities and activities may change at any time with or without notice.

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