• Receive, review and adjudicate credit applications in accordance with terms and conditions set forth by the lender.
• Ensure completeness of applications and collect all documentation required for pre-approval assessments, as per lender parameters.
• Underwrite, advise clients, provide pre-approvals, agreements and partial advances to eligible applicants as per lender parameters.
• Review and adjudicating applicant risk, which may or may not require access to applicants' credit bureau information.
• Adhere to the escalation process to manage application risks, such as fraud, errors, conflicts of interest, or applications that present additional complexities.
• Ensure accurate record-keeping of all inquiries and discussions with the applicants for the efficient processing of the loans.
• Instruct applicants and respond to questions regarding applications, requests, changes, and decisions, among other related tasks.
• Conduct necessary due diligence, which may include, but is not limited to, independent verification of information provided by applicants, confirmation of property ownership, duplication of applications and applicants previously flagged for fraud and misrepresentation.

Skills: Credit Application Review, Loan Underwriting, Risk Assessment, Fraud Detection, Credit Bureau Analysis, Regulatory Compliance, Client Advisory, Documentation Management

• Perform audits of denied/adversed files to verify the reason for denial.
• Evaluate risk in accordance with all investor guidelines and company policies.
• Review all aspects of the loan file, including title and appraisal reports.
• Set the terms for approval and compliance or identify reasons for rejection.
• Ensure regulatory compliance and completeness.
• Effectively communicate all loan decisions to sales channels and management.
• Accurately review and input pertinent loan data into operational systems.
• Utilize FHA Connection to update loan data.
• Utilize the VA portal to update loan or appraisal data.
• Work closely with all operational departments to establish productive and efficient workflows.
• Complete required checklists and worksheets.

Skills: Loan Auditing, Risk Evaluation, Compliance Review, Title Analysis, Appraisal Review, Decision Communication, FHA VA Systems, Data Entry

• Review MIRA renewals for accuracy and appropriateness.
• Adjust MIRA renewals to meet individual appropriateness and block targets.
• Analyze aggregate renewal actions within a block to ensure targets are met.
• Review renewal packages for accuracy.
• Analyze experience and situation for specific groups to justify and explain the rate of action.
• Respond to partners' questions and explain renewals and adjust renewals with the team lead or approach and negotiate with insurance partners changes.
• Produce renewal summary and detailed reports internally, by partners and by insurers.
• Process acceptances of renewal rates and ensure that information is distributed.
• Adjust or check changes in parameters within MIRA to ensure that MIRA's renewals reflect individual, block, or insurer requirements.
• Look at ways to improve processes.
• Use and understanding of CRM in daily operations.

Skills: Renewal Review, Rate Adjustment, Portfolio Analysis, Partner Communication, Negotiation Support, Reporting Analysis, Process Improvement, CRM Utilization

• Liaise with the Group's Sales team during the pre-application and application process.
• Work closely with the Compliance department to ensure merchant KYC checks are completed in a timely manner.
• Assess credit exposure and card association compliance of each prospective merchant.
• Recommend modifications to retention (reserves), delayed settlement, and other risk mitigating factors.
• Take action to prevent merchant losses.
• Work closely with the internal Anti-Fraud department to assist fraud prevention efforts.
• Approve Merchant payment processing options in line with credit policy.
• Advise and educate Group departments on all credit risk-related issues.

Skills: Merchant Credit Assessment, KYC Compliance, Credit Risk Analysis, Fraud Prevention, Risk Mitigation, Payment Approval, Loss Prevention, Stakeholder Advisory

• Review loan conditions as set forth by the original underwriter.
• Credit report, income calculation, asset, title report, and appraisal report.
• Generate additional conditions.
• Input data into DU/LPA and run the final AUS accurately.
• Clear conditions on loans with attention to detail, as well as with a sense of urgency.
• Maintain quality and production standards as set forth by management.
• Effectively communicate orally and/or via email on all updated files professionally and positively.
• Maintain a strong working relationship with internal staff and external customers.
• Maintain consistent communication with customers and sales staff.
• Demonstrate an outstanding level of customer service skills.

Skills: Loan Condition Review, Credit Analysis, AUS Processing, Data Accuracy, Quality Control, Professional Communication, Stakeholder Coordination, Customer Service

• Manage the end-to-end underwriting process for loan applications (within individual credit approval levels).
• Think outside the box about how credit could be offered based on each individual circumstance.
• Ensure that all funding applications are reviewed in line with all applicable credit criteria and lending policies.
• Deliver to all regulatory and legislative requirements.
• Meet all Moula risk and compliance requirements.
• Underwrite in accordance with AML/KYC and Privacy Act and all other legislation regarding Business Lending.
• Prepare, review, and analyze all Government Guaranteed Lending loans to evaluate the creditworthiness.
• Manage the loan application process from a screening perspective.
• Analyze market data and economic data.
• Manage assigned portfolio and work closely with the Asset Management team.
• Complete loan transactions.

Skills: End-to-End Underwriting, Credit Structuring, Policy Compliance, Regulatory Adherence, AML KYC Compliance, Government Loan Analysis, Portfolio Management, Market Analysis

• Quote new business by assessing the risk, pricing, choosing the appropriate company, preparing the final quote and sending it to the broker.
• Write new business by following up on quotes, sending binders, obtaining all required original documents and signatures and issuing the policy.
• Issue renewals by re-underwriting with updated information obtained from the Broker and then pricing, offering and issuing the policy.
• Produce policy changes and endorsement by underwriting, pricing and issuing policies.
• Establish and maintain professional working relationships with companies and brokers through telephone conversations and one-to-one meetings.
• Participate in special projects and other underwriting duties.
• Review loans submitted to underwriting to ensure accurate information is in the file, documentation is complete and works with operations staff to collect additional information.
• Analyze conditions and facilitate sign-off of underwriting and funding conditions and approval by credit risk.
• Complete adverse action procedures.

Skills: Risk Pricing, Policy Issuance, Renewal Underwriting, Endorsement Processing, Broker Relations, Credit Review, Condition Analysis, Adverse Actions

• Review loan files to meet the standards of FNMA, FHLMC, and investor guidelines.
• Analyze documentation for accuracy and compliance.
• Responsible for meeting designated turn times.
• Communicate with Management and sales staff.
• Ensure all data noted in the loan origination system is consistent with the documentation contained in the loan file imaging system.
• Verify that all third-party control supporting documentation contained within the loan file meets company and agency standards.
• Analyze risk management matrices with the underwriting team to perform credit analysis and repayment probability.
• Effectively work within loan guidelines and timelines.

Skills: Agency Guideline Review, Document Compliance, Turn Time Management, Stakeholder Communication, Data Consistency, Third Party Verification, Credit Risk Analysis, Loan Process Management

• Support the reinsurance risk portfolio management.
• Cooperate and communicate with insurance companies and reinsurance brokers.
• Help assessing risks submitted for reinsurance capacity (underwriting).
• Extract, create, review and modify various reports.
• Help coordinate processes and communication with headquarters.
• Support communication with internal business units.
• Remove completed loan conditions according to underwriting and lending guidelines.
• Examine all loan applications, disclosures, and documentation for accuracy and regulatory and compliance guidelines.
• Prioritize, track, and manage the loan underwriting process in order to meet deadlines and ensure timely submission to the underwriting team.
• Effectively work within loan guidelines and timelines.

Skills: Reinsurance Risk Support, Broker Coordination, Underwriting Assistance, Reporting Analysis, Process Coordination, Loan Condition Clearing, Compliance Review, Workflow Management

• Request and collect the required underwriting documents.
• Perform research functions from various sources that support the due diligence of the Underwriters.
• Prepare preliminary underwriting loan file set-ups.
• Provide administrative assistance to the Pipeline Company websites' Underwriters and Underwriting Managers with special projects.
• Perform special projects and additional duties.
• Accountable for maintaining Sarbanes-Oxley compliance and adhering to internal control policies and procedures.
• Approve Cash Advances for tax products using factoring.
• Complete verifications and eligibility checks with relevant documents.
• Conduct status checks with UK regulatory bodies.

Skills: Document Collection, Underwriting Research, Loan File Setup, Administrative Support, SOX Compliance, Cash Advance Approval, Eligibility Verification, Regulatory Checks

• Basic knowledge of underwriting theory, principles, methods, systems, processes and standards attained from Part One of the Academy of Life Underwriting program.
• Underwriting experience under the mentorship of the Chief Underwriter.
• Must have consultation and communication skills to make consistent and appropriate underwriting decisions within Foresters' policies and standards.
• Strong verbal and written communication skills to request information from a broad range of professional resources.
• Ability to provide detailed information related to the application decision to the field agent.
• Strong analytical and problem-solving skills.
• Proven ability to effectively work in partnership with distribution partners.
• Able to make sound, logical decisions quickly and able to negotiate.
• Able to work well independently while also being able to interact effectively with other members of a team.

Qualifications: BS in Economics with 1 year of Experience

• Must be well organized, able to work within tight turnaround times, and capable of quickly adapting to change.
• Knowledge of the Forester's purpose, goals and objectives to ensure compliance of decisions with Forester's policies and standards.
• Knowledge of Foresters' insurance sales operations in the field to communicate with field agents related to specific applications.
• Knowledge of medical terminology.
• Detailed knowledge of all appropriate Foresters insurance products and contact provisions to review and assess applications and make effective underwriting decisions.
• Must have analytical skills to research, review and assess applications in order to determine the appropriate underwriting decision.
• Must complete LOMA courses and will be pursuing more in the next 12 months.
• Willingness and commitment to work extra hours.

Qualifications: BS in Finance with 2 years of Experience

• Professional experience gained in internships.
• Experience studying or working abroad.
• Technological understanding and enthusiasm for the digitalization of life insurance.
• Ability to analytical, meticulous and solution-oriented approach as well as creativity and independence in the development of solutions.
• Ability to quickly comprehend and ability to quickly familiarize yourself with complex issues.
• Ability to sense business, coupled with decision-making skills and a willingness to take on responsibility.
• Ability to self-confident appearance, unerring communication and negotiation skills.
• Good knowledge of German and English.

Qualifications: BA in Financial Services with 1 year of Experience

• Basic understanding of general credit policies, lending operations, credit principles, and loan research.
• Ability to handle and prioritize multiple projects at any given time, as well as associated conflict/resolution.
• Strong verbal and written communication skills.
• Able to work effectively within a team under unexpected pressures.
• Proficient with Microsoft Office (Excel, Word, etc.)
• Must have advanced computer and web application skills.
• Underwriting/Loan Processing experience.
• Ability to remain calm under pressure.
• Must be a strong team player.

Qualifications: BA in Accounting with 2 years of Experience

• Able to follow established guidelines to focus on details and complete tasks attentively and thoroughly.
• Able to communicate information in a clear, well-organized, and professional manner.
• Able to understand customer needs and goals, actively look for ways to meet them.
• Able to establish a high degree of trust and credibility with others.
• Ability to multitask and handle competing priorities.
• Ability to accept responsibility for one's decisions and actions.
• Ability to show drive and initiative.
• Demonstrated interest in enhancing knowledge, seeks opportunities to learn and grow.
• Ability to use multiple resources to gather and review information and use logic to address work-related issues and problems.
• Ability to retain and apply large amounts of new information and techniques to achieve desired results.
• Knowledge of principles and processes for providing customer service.
• Knowledge of terminology, function and fundamental capabilities of common computer, software, information and communication technology devices, components, and concepts.
• Strong working knowledge of Microsoft Word, Excel and Outlook.
• Understanding of underwriting principles, coverages and regulations.

Qualifications: BA in Business Administration with 3 years of Experience

• Underwriting experience, experience in E&O underwriting.
• Proficient with Microsoft Office Suite.
• Proven mathematical and analytical skills.
• Experience in a highly service-oriented role.
• Effective problem solver with initiative to be innovative and creative in developing new ideas and concepts.
• Must have exemplary interpersonal skills with a demonstrated ability to develop and maintain relationships.
• Excellent time management skills with proven ability to prioritize, handle multiple tasks and move between projects continuously.
• Excellent written and oral communication skills and presentation skills.
• Strong organizational skills, attention to detail.
• Proven ability to handle confidential material with the highest level of discretion.
• Demonstrated ability to flourish in environments of significant change.
• Experience or knowledge in domestic markets and Lloyd's of London.

Qualifications: BS in Mathematics with 4 years of Experience

• Experience in the Credit Card or Banking industry.
• Ability to effectively present information.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Must have high levels of accuracy and detail, along with a specific focus on timeliness, productivity, and quality.
• Able to prioritize and manage multiple tasks.
• Excellent written and oral communication skills.
• Strong organizational skills with the ability to multitask.
• Basic understanding of P&C coverages.
• Basic understanding of insurance, accounting and reinsurance.

Qualifications: BS in Actuarial Science with 2 years of Experience

• Previous customer service experience.
• Excellent written and verbal communication.
• Basic to intermediate technical knowledge of systems and procedures.
• Ability to pay attention to detail.
• Basic computer knowledge and comfortable using the Microsoft suite, Microsoft Office suite, particularly Word, Excel, and Outlook.
• Previous experience in the insurance industry.
• Ability to effectively communicate verbally and written writing.
• Ability to prioritize tasks.
• Ability to work well in a high-pressure environment.

Qualifications: BS in Statistics with 1 year of Experience

• Experience with initial document review and data entry.
• Previous Salesforce or Project Management skills.
• Good judgment, ability to accept responsibility, and handle confidential information.
• Ability to manage multiple tasks and work well under pressure.
• Must be detail-oriented and possess effective organizational skills.
• Ability to ensure information accuracy.
• Strong familiarity with CRM softwares.
• Strong critical thinking and organizational skills.
• Experience in Underwriting.

Qualifications: BA in Accounting with 2 years of Experience

• Processing experience, junior underwriter, or underwriter experience with all loan types.
• Proficient in reading and reviewing AUS findings.
• Good detail-oriented, with excellent customer service and communication skills.
• Able to self-starter with excellent time management skills.
• Must have a desire to develop and become a full-time underwriter.
• Experience with underwriting life, disability, and critical illness insurance risk.
• Must be completed or working towards Fellow, Life Management Institute (FLMI) or Fellow, Academy of Life Underwriting (FALU).
• Able to work with ambiguity, track record of success at turning vague information into sound underwriting decisions.
• Must have a positive attitude and commitment to quality service.

Qualifications: BS in Economics with 3 years of Experience