Underwriter jobs in Lakewood, New JerseyCreate job alerts

Job Description Starting Salary: $75K (Negotiable upon experience) Basic Qualifications Education/Training: High School Diploma or equivalent. Minimum of five to seven years of progressive experience in residential underwriting. Current knowledge of FNMA/FHLMC underwriting guidelines, Dodd-Frank regulations and ability to learn and understand guidelines for secondary market investors, portfolio loans, etc. Skills: Proficient in English, written, verbal and interpersonal communication skills. Strong time management skills, proficient PC skills including Microsoft office. Through knowledge of bank products and services. Ability to manage multiple tasks in a fast-paced, changing environment with professionalism and courtesy. Excellent analytical, reasoning and organizational skills. Knowledge of Origination Systems including Encompass 360. General Responsibilities The Underwriter – Residential and Consumer Lending will review loan files for adherence to FNMA, FHLMC, investor, private mortgage insurance and Bank Loan Policy underwriting guidelines. The position will underwrite the Bank’s consumer loan products including Home Equities and personal loans, secured and unsecured. Essential Duties and Responsibilities • Recommending portfolio underwriting decisions to Chief Residential Loan Officer and/or Loan Committees., • Examines loan documentation for accuracy and completeness., • Aiding in resolution of mortgage application issues with investors, outside sources and software vendors., • Establishing and clearing approval conditions, reviewing AUS findings and presenting files to Investors and FCB Senior Management/Loan Committee., • Assure adherence to compliance, investor, federal regulations (including Dodd-Frank) and Bank policies., • Prepares and submits files to secondary market investor if applicable, • Adherence to HMDA regulations and knowledge of reporting requirements and prepares HMDA worksheet., • Prepare commitment letters., • Reviews all credit conditions and issue a clear to close., • Responsible for excellent customer service to Loan Officers, internal and external customers while fostering cooperation with other departments to ensure efficient, professional residential/consumer loan processing and closings., • Assisting bank staff and customers with questions regarding residential and consumer loan requirements and processes., • Oversee and perform certain duties pertaining to secondary market functions, including rate lock verification to program match., • Produce pipelines and other reports regarding progress of every residential loan, e.g. uploads, lock-ins, closings, denials, etc., • Review all initial and final disclosures., • Contribute to the Bank’s attainment of sales and other departmental goals. Ancillary Duties • Perform tasks which are supportive in nature of the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. Job Location All levels 1700 Avenue of the States Suite 301 Lakewood, NJ Equipment/Machines • Telephone, • PC/Computer keyboard, • Printer, • Copy machine, • Fax machine, • Scanner, • Calculator First Commerce is dedicated to providing people, businesses, and communities in our markets with high quality products and services with superior customer service. We provide products and services through secure, user-friendly technology and customer friendly locations. Our relationships are founded in our desire to be responsive to the financial needs of our customers in an atmosphere of personal attention, professionalism, trust, integrity and fairness. First Commerce prides itself on maintaining personal communications beginning with the Board of Directors. First Commerce Bank is an Equal Opportunity Employer. All qualified applicants receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression, genetic information or any other characteristic protected by applicable law. Compensation details: 75000-75000 Yearly Salary PI40deeb9fff53-25405-41516912

Insurance Underwriter – Excess & Specialty.AI data lab for training frontier models and evaluating AI agents.Experts contribute their diverse subject matter knowledge across domains such as finance, healthcare, STEM engineering, and more.AI systems learn, reason, and perform.Our platform ident

We are a rapidly growing commercial real estate capital markets advisory, focused exclusively on securing competitive debt solutions across all major property types. With a track record of underwriting approximately 85 transactions each year, our firm is recognized for delivering tailored financing strategies to investors, developers, and owners. Our approach emphasizes speed, precision, and integritywhether underwriting stabilized acquisitions, construction and bridge facilities, or complex mezzanine and preferred equity placements. By maintaining strong relationships with a wide spectrum of capital providersincluding banks, life companies, debt funds, CMBS platforms, mortgage brokers, and private lenderswe ensure our clients have access to the most competitive terms in the market. The organization is built on a high-performance culture where client service, disciplined execution, and long-term partnership are the foundation of success. This position is a Senior Underwriter role designed for an experienced professional with deep expertise in commercial real estate (CRE) debt underwriting, including hands-on brokerage experience. You will play a critical role in evaluating and structuring approximately 85 deals per year across diverse asset classes, including multifamily, warehousing, strip malls, office, retail, industrial, hospitality, and specialty assets. The role demands a seasoned underwriter who understands the intricacies of CRE debt like the back of their hand, thrives in a fast-paced, high-volume environment, and can deliver precise, high-quality underwriting to support the firm's origination and closing process. You will work closely with originators, analysts, and capital providers, leveraging your extensive brokerage and underwriting experience to ensure deals are structured competitively and meet lender requirements. The role is best suited for a detail-oriented professional with a proven track record in CRE underwriting, who values being part of a lean, entrepreneurial team with direct access to decision-makers and a meaningful impact on the firm's continued growth. • Underwrite approximately 85 CRE debt transactions per year, spanning all major asset classes (multifamily, warehousing, strip malls, office, retail, industrial, hospitality, and specialty assets)., • Conduct thorough due diligence and financial analysis, including cash flow modeling, pro forma underwriting, DSCR/DY calculations, and leverage assessments to ensure deals meet lender credit frameworks., • Structure and price debt requests (perm, bridge, construction, mezzanine/preferred equity, agency/CMBS) to maximize proceeds while maintaining deal viability and lender appeal., • Review and validate business plans, translating them into financeable narratives; prepare underwriting packages, including teasers, lender lists, and process calendars., • Anticipate and resolve potential friction points in underwriting, addressing issues proactively to ensure smooth committee approvals., • Collaborate with originators to refine capital stack strategies and negotiate term sheets that align with borrower goals and lender requirements., • Maintain rigorous pipeline hygiene, providing accurate forecasting, risk assessments, and status updates to internal stakeholders and clients., • Leverage deep market intelligence to stay informed on rate movements, leverage trends, spreads, and lender program appetites across asset classes., • Partner with analysts/associates to produce timely models, comps, offering memoranda (OM) materials, and closing checklists., • Represent the firm in meetings with borrowers, lenders, mortgage brokers, and capital providers in NYC and regularly in Lakewood, NJ (~weekly), with occasional travel for site visits., • Uphold a high-touch client experience through proactive updates, transparent expectation setting, and on-time execution of underwriting deliverables., • Must come directly from a capital markets lending, brokerage, or closely related CRE debt underwriting role (bank, debt fund, life company, CMBS/agency, or mortgage brokerage)., • Extensive experience underwriting CRE debt across multiple asset classes, with a demonstrated track record of handling high-volume deal flow (ideally 80+ transactions annually)., • Deep command of capital structures, leverage metrics, DSCR/DY, pro forma underwriting, and lender credit frameworks., • Exceptional analytical and financial modeling skills, with the ability to structure complex deals under tight deadlines., • Strong negotiation skills with lenders, brokers, and sponsors; adept at optimizing deal terms, pricing, and structure., • Process discipline in fast-paced, high-volume environments; calm under time pressure and committee deadlines., • Clear, concise communicator; credible in presenting underwriting findings to institutional and entrepreneurial sponsors., • NYC-based with the ability to be in Lakewood, NJ approximately once per week (or as business needs dictate)., • Base Salary: $250,000, • Bonuses: Performance-based bonuses tied to underwriting volume and quality of closed transactions (discrete bonus components), • On-Target Earnings: Approximately $300,000 in Year 1, contingent on meeting agreed-upon production and quality goals; meaningful upside beyond Year 1 as volume scales

What You Will Do Review merchant applications, bank statements, credit reports, and supporting documents to assess risk and determine funding eligibility Conduct in-depth financial analysis, including cash‑flow trends, average daily balances, NSFs, and revenue stability Identify potential fraud

Work At Home Vintage Experts LLC seeks experienced Commercial Lines Underwriters to work from home in the United States.

Merchant First, a fast-growing lender in the alternative financing space, seeks a Senior Underwriter to lead merchant application reviews, analyze financial documents, and assess risk for funding eligibility. This role demands a seasoned underwriter with a strong MCA background, ready to mentor juni

Job Description Very Busy Family Owned Independent FULL Service Agency seeks motivated and Results driven Service Reps to join our expanding team. Our Agency has access to over 100 companies offering ALL forms of Insurance and Retirement Planning Products for Small Business, PERSONAL and Commercial Accounts. As a Customer Service Representative, you will be responsible for delivering exceptional support by actively listening and responding to customer inquiries and concerns. Your role includes ensuring customer satisfaction, building strong relationships, resolving issues, and providing accurate information about our products and services. You will assist customers by addressing -answering questions, and processing requests efficiently and courteously. Licensed Agents will cross sell products based on Customer needs and will receive additional income . We prefer Experienced Licensed REPS who want to increase their income by cross-selling our book of Business, However an opportunity for an exceptional Unlicensed candidate with the right experience is possible, and will be required to attain a NJ Insurance License, thereafter You will leverage your knowledge of the Insurance market and use your exceptional communication skills to build relationships with clients and guide them through the insurance selection process. The ideal candidates will continue to improve their skills through continuing education to improve insurance sales, benefits administration, and the ability to negotiate effectively. \nCompany Description Our office opened in 2006 as Our Agency owners have over 85 years combined experience. Our Senior Partner is a Licensed Investment Broker, Investment Banker, Former Wire House Branch/Sales Manager and Registered Investment Advisor (RIA) with over 45-year experience. Our Head of Commercial Insurance was a former underwriter at Saint Paul/Travelers and has 43 years of experience. If you're Interested in a rewarding career of Providing a full line of Insurance including Home, Auto Biz, Life, Health, Flood etc. as well as Annuity and Retirement Planning Solutions with an unlimited earnings and ownership potential Call Mr. C Our office opened in 2006 as Our Agency owners have over 85 years combined experience. Our Senior Partner is a Licensed Investment Broker, Investment Banker, Former Wire House Branch/Sales Manager and Registered Investment Advisor (RIA) with over 45-year experience. Our Head of Commercial Insurance was a former underwriter at Saint Paul/Travelers and has 43 years of experience.\nIf you're Interested in a rewarding career of Providing a full line of Insurance including Home, Auto Biz, Life, Health, Flood etc. as well as Annuity and Retirement Planning Solutions with an unlimited earnings and ownership potential Call Mr. C