Underwriter jobs in Albuquerque, New MexicoCreate job alerts

Job DescriptionFHA Mortgage Origination Representative Employment Type: Full Time , Entry Level Department: Customer Service CGS is seeking an FHA Mortgage Origination Representative to join our team supporting a wide-ranging customer support initiative for a large Federal agency. CGS brings motivated, highly skilled, and creative people together to solve the government’s most dynamic problems with cutting-edge technology. To carry out our mission, we are seeking candidates who are excited to contribute to government innovation, appreciate collaboration, and can anticipate the needs of others. Here at CGS, we offer an environment in which our employees feel supported, and we encourage professional growth through various learning opportunities. Skills and attributes for success: - Provide excellent customer service, answering a variety of calls and emails from the mortgage lending industry and the public on FHA guidelines and procedures. - Use your knowledge of the mortgage industry to locate answers in a knowledge database to acknowledge client’s requests. - Follow standard operating procedures for various topics, systems, and contact channels. - Document all of your contacts in a database - Keep up to date on FHA mortgage processes and procedures Qualifications: - The capability to navigate multiple computer systems and applications and utilize search tools to provide information to our clients. - Excellent time management skills and dependability. - Strong verbal and written communication skills. - High School diploma or GED. - At least two years working with FHA loans (e.g. loan originator, loan processor, junior underwriter, loan officer) plus an additional year of customer service or contact center background, or at least three years of loan origination working with conventional loans and/or other government-backed loans (e.g. FHA, USDA, VA) - Will be able to obtain a Public Trust Security clearance, which includes a credit check and background investigation. Ideally, you will also have: - Contact Center experience (omnichannel). - Bilingual (Spanish/English), verbal and written. - FHA knowledge/experience Our Commitment: Contact Government Services (CGS) strives to simplify and enhance government bureaucracy through the optimization of human, technical, and financial resources. We combine cutting-edge technology with world-class personnel to deliver customized solutions that fit our client’s specific needs. We are committed to solving the most challenging and dynamic problems. For the past seven years, we’ve been growing our government-contracting portfolio, and along the way, we’ve created valuable partnerships by demonstrating a commitment to honesty, professionalism, and quality work. Here at CGS we value honesty through hard work and self-awareness, professionalism in all we do, and to deliver the best quality to our consumers mending those relations for years to come. We care about our employees. Therefore, we offer a comprehensive benefits package. - Health, Dental, and Vision - Life Insurance - 401k - Flexible Spending Account (Health, Dependent Care, and Commuter) - Paid Time Off and Observance of State/Federal Holidays Contact Government Services, LLC is an Equal Opportunity Employer. Applicants will be considered without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Join our team and become part of government innovation! Explore additional job opportunities with CGS on our Job Board: https://cgsfederal.com/join-our-team/ For more information about CGS please visit: https://www.cgsfederal.com or contact: Phone: +1 (888) 680-5916 Email: info@cgsfederal.com We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Insurance Underwriter – Excess & Specialty. Insurance Underwriter – Excess & Specialty.

CONSIDERED EXPERIENCE INCLUDES: Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter #DiedreMoire #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting #InsuranceJobs #UnderwriterJobs DISCLAIMER: We will make every effort to consid

Description Leidos is seeking full-time Bilingual Mortgage Origination Professionals at the FHA Resource Center in Albuquerque, NM. Our Leidos Customer Service team supports the US Department of Housing and Urban Development (HUD), Office of Single-Family Housing in their Mission to create strong, sustainable, inclusive communities and quality affordable homes for all. As a Mortgage Origination Customer Service Representative, you will use your mortgage background as a Loan Processor, Loan Officer, Underwriter, or other loan origination professional to help make a difference in the lives of others, while expanding your knowledge of Federal Housing Administration (FHA) mortgage policies and procedures. What’s in it for you? Monday - Friday schedule with no weekend work. Access to benefits on day one, including medical and dental insurance, 401K, Life, AD&D, and Voluntary Disability plans. Immediate and ongoing training to support your success. Discounted Leidos stock purchase and other Employee Discounts. Company-wide career mobility. Company-sponsored Public Trust eligibility upon hire. Voluntary overtime may be available based on business needs. Paid Time Off (PTO) accrued based on Leidos policy, up to 15 days a year. 11 paid holidays per year. Mortgage Origination opportunities available: 9:35 am – 6:05 pm MT in Albuquerque, NM (subject to change based on customer needs). As a Mortgage Origination Customer Service Representative, you will: Provide excellent customer service, answering a variety of calls and emails from the lending industry and the public on FHA guidelines and procedures. Use your knowledge of the mortgage industry to locate answers in a knowledge database to acknowledge the client’s requests. Follow standard operating procedures for various topics, systems, and contact channels. Document all of your contacts in a database. Keep up to date on FHA mortgage processes and procedures. To be a successful Mortgage Origination Customer Service Representative, you will possess: The ability to navigate multiple computer systems and applications and utilize search tools. Excellent time management skills and dependability. Strong written and verbal communication skills, including telephone etiquette. Keyboarding proficiency of at least 40 words per minute. Required Qualifications: High School diploma or General Educational Development (GED) certificate. Minimum of 2 years of mortgage origination experience (e.g. loan originator, loan processor, junior underwriter, loan officer). Minimum of 1 year of contact center experience or telephone customer service experience. Ability to obtain a Public Trust Security clearance, which includes a credit check and background investigation. Bilingual in English and Spanish - verbal and written. Preferred Qualifications: FHA Knowledge/background. Contact Center experience (Omnichannel). Leidos is a global leader providing solutions to make the world safer, healthier, and more efficient through technology, engineering, and science. Our company believes in engaging, developing, and empowering our diverse and valued people to foster a culture of creativity and growth. The pay for this position is approximately between $22.00 to $23.00 per hour. This position is covered under the Service Contract Act and is subject to minimum wage demands as well as the minimum Health and Welfare benefits. Leidos will ensure that all provisions are met through their wages and benefits. HUDFHA If you're looking for comfort, keep scrolling. At Leidos, we outthink, outbuild, and outpace the status quo — because the mission demands it. We're not hiring followers. We're recruiting the ones who disrupt, provoke, and refuse to fail. Step 10 is ancient history. We're already at step 30 — and moving faster than anyone else dares. August 25, 2026 For U.S. Positions: While subject to change based on business needs, Leidos reasonably anticipates that this job requisition will remain open for at least 3 days with an anticipated close date of no earlier than 3 days after the original posting date as listed above. Pay Range - The Leidos pay range for this job level is a general guideline only and not a guarantee of compensation or salary. Additional factors considered in extending an offer include (but are not limited to) responsibilities of the job, education, experience, knowledge, skills, and abilities, as well as internal equity, alignment with market data, applicable bargaining agreement (if any), or other law. About Leidos Leidos is an industry and technology leader serving government and commercial customers with smarter, more efficient digital and mission innovations. Headquartered in Reston, Virginia, with 47,000 global employees, Leidos reported annual revenues of approximately $16.7 billion for the fiscal year ended January 3, 2025. For more information, visit _. Pay and Benefits Pay and benefits are fundamental to any career decision. That's why we craft compensation packages that reflect the importance of the work we do for our customers. Employment benefits include competitive compensation, Health and Wellness programs, Income Protection, Paid Leave and Retirement. More details are available at _. Securing Your Data Beware of fake employment opportunities using Leidos’ name. Leidos will never ask you to provide payment-related information during any part of the employment application process (i.e., ask you for money), nor will Leidos ever advance money as part of the hiring process (i.e., send you a check or money order before doing any work). Further, Leidos will only communicate with you through emails that are generated by the Leidos.com automated system – never from free commercial services (e.g., Gmail, Yahoo, Hotmail) or via WhatsApp, Telegram, etc. If you received an email purporting to be from Leidos that asks for payment-related information or any other personal information (e.g., about you or your previous employer), and you are concerned about its legitimacy, please make us aware immediately by emailing us at _. If you believe you are the victim of a scam, contact your local law enforcement and report the incident to the _. Commitment to Non-Discrimination All qualified applicants will receive consideration for employment without regard to sex, race, ethnicity, age, national origin, citizenship, religion, physical or mental disability, medical condition, genetic information, pregnancy, family structure, marital status, ancestry, domestic partner status, sexual orientation, gender identity or expression, veteran or military status, or any other basis prohibited by law. Leidos will also consider for employment qualified applicants with criminal histories consistent with relevant laws.

May act as a coach/mentor to newer or less-experienced underwriters and assistants. Some of the Senior Underwriter responsibilities include but are not limited to:. Provides training and mentoring to less experienced underwriters and/or underwriting assistants.

Workers Compensation Assistant Underwriter - CA & AZ. Seeking a highly motivated and detail-oriented Workers Compensation Assistant Underwriter to join a team. Collaborate with a team of underwriters to ensure timely and accurate processing of policies.

Commercial Lines Field Production Underwriter to their Western Pennsylvania team.

Hands-on exposure to every step of the mortgage process, with mentorship from experienced operators and underwriters. Senior Mortgage Underwriter - Build With Us. As a Senior Underwriter at June Point Lending, you'll be a foundational member of our credit team, directly underwriting Non-QM loans whi

We are looking to hire a Professional Liability Underwriter to join as a key member of the Falcon Risk Services team, specializing in Accountants, Insurance Agents and Brokers, Lawyers, and/or Miscellaneous Professional Liability.

Position Summary This role supports Producers throughout the underwriting and requirement gathering process until a decision is made by the carrier. Case Managers must possess a strong knowledge of the life insurance industry, application process and be skilled at troubleshooting problems that typically cause delays. This is a hybrid role, 3 days on site 2 from home if located in Atlanta, if outside Atlanta it can be fully remote. Case Managers will frequently interact with our internal teams, carrier staff, and a vast network of independent producers throughout the country. As a result, this role requires a sincere desire to cultivate and maintain strong relationships. Essential Duties and Responsibilities The essential functions include, but are not limited to the following: • Act as liaison between producers and carriers to achieve an underwriting decision as quickly as possible., • Manage requests for case status updates and correspond with carriers to clarify and resolve outstanding requirements., • Detect and escalate cases that need additional attention or intervention., • Learn to navigate multiple carrier portals., • Document work activities and communication in our agency management system., • Have a sense of urgency without losing attention to detail., • Provide telephone coverage for incoming calls., • Schedule periodic calls/virtual meetings with high-volume producers and field office trainers., • Generate status reports for management, producers, and others as needed., • Support producers with after-issue changes that require the assistance of a carrier underwriter or case manager., • Other projects as assigned by management. Minimum Qualifications (Knowledge, Skills, and Abilities) • Bachelor’s degree, • Minimum 5 years of work experience as a Case Manager or similar life insurance experience, • Prefer experience within a multi-carrier environment, • Culturally sensitive, • Strong discernment skills and ability to “triage” problems, • Has a sense of urgency without losing attention to detail, • Ability to adapt to a continually changing environment (technology, procedures, regulations, etc.), • Proficient in Outlook, MS Word, Excel, and Power Point, • Strong written and verbal communication skills

Oversee underwriter productivity to ensure team members consistently meet and surpass productivity metrics and goals. Provide technical guidance and mentorship to underwriters, including setting clear expectations, regular performance reviews, and constructive feedback for maintaining accountability

Commercial Lines Field Production Underwriter to their Michigan team.

Minimum of two (2) years of experience as an Underwriter in P&C Insurance for an E&S carrier.

This role is responsible for identifying, developing, and converting new business opportunities while building strong relationships with multinational organizations, brokers, and strategic partners.The ideal candidate is a consultative sales professional with a proven track record of driving revenue

Employment Type: Full Time, Entry Level CGS is seeking an FHA Mortgage Origination Representative to join our team supporting a wide-ranging customer support initiative for a large Federal agency. CGS brings motivated, highly skilled, and creative people together to solve the government's most dynamic problems with cutting-edge technology. To carry out our mission, we are seeking candidates who are excited to contribute to government innovation, appreciate collaboration, and can anticipate the needs of others. Here at CGS, we offer an environment in which our employees feel supported, and we encourage professional growth through various learning opportunities. • Provide excellent customer service, answering a variety of calls and emails from the mortgage lending industry and the public on FHA guidelines and procedures., • Use your knowledge of the mortgage industry to locate answers in a knowledge database to acknowledge client's requests., • Follow standard operating procedures for various topics, systems, and contact channels., • Document all of your contacts in a database, • Keep up to date on FHA mortgage processes and procedures, • The capability to navigate multiple computer systems and applications and utilize search tools to provide information to our clients., • Excellent time management skills and dependability., • Strong verbal and written communication skills., • High School diploma or GED., • At least two years working with FHA loans (e.g. loan originator, loan processor, junior underwriter, loan officer) plus an additional year of customer service or contact center background, or at least three years of loan origination working with conventional loans and/or other government-backed loans (e.g. FHA, USDA, VA), • Will be able to obtain a Public Trust Security clearance, which includes a credit check and background investigation., • Contact Center experience (omnichannel)., • Bilingual (Spanish/English), verbal and written., • FHA knowledge/experience Contact Government Services (CGS) strives to simplify and enhance government bureaucracy through the optimization of human, technical, and financial resources. We combine cutting-edge technology with world-class personnel to deliver customized solutions that fit our client's specific needs. We are committed to solving the most challenging and dynamic problems. For the past seven years, we've been growing our government-contracting portfolio, and along the way, we've created valuable partnerships by demonstrating a commitment to honesty, professionalism, and quality work. Here at CGS we value honesty through hard work and self-awareness, professionalism in all we do, and to deliver the best quality to our consumers mending those relations for years to come. • Health, Dental, and Vision, • Life Insurance, • 401k, • Flexible Spending Account (Health, Dependent Care, and Commuter), • Paid Time Off and Observance of State/Federal Holidays Contact Government Services, LLC is an Equal Opportunity Employer. Applicants will be considered without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Join our team and become part of government innovation!

This role supports Producers throughout the underwriting and requirement gathering process until a decision is made by the carrier. Case Managers must possess a strong knowledge of the life insurance industry, application process and be skilled at troubleshooting problems that typically cause delays. Case Managers will frequently interact with our internal teams, carrier staff, and a vast network of independent producers throughout the country. As a result, this role requires a sincere desire to cultivate and maintain strong relationships. ESSENTIAL DUTIES AND RESPONSIBILITIES The essential functions include, but are not limited to the following: • Act as liaison between producers and carriers to achieve an underwriting decision as quickly as possible., • Manage requests for case status updates and correspond with carriers to clarify and resolve outstanding requirements., • Detect and escalate cases that need additional attention or intervention., • Learn to navigate multiple carrier portals., • Document work activities and communication in our agency management system., • Have a sense of urgency without losing attention to detail., • Provide telephone coverage for incoming calls., • Schedule periodic calls/virtual meetings with high-volume producers and field office trainers., • Generate status reports for management, producers, and others as needed., • Support producers with after-issue changes that require the assistance of a carrier underwriter or case manager., • Other projects as assigned by management. MINIMUM QUALIFICATIONS (KNOWLEDGE, SKILLS, AND ABILITIES) • Bachelor’s degree, • Minimum 5 years of work experience as a Case Manager or similar life insurance experience, • Prefer experience within a multi-carrier environment, • Culturally sensitive, • Strong discernment skills and ability to “triage” problems, • Has a sense of urgency without losing attention to detail, • Ability to adapt to a continually changing environment (technology, procedures, regulations, etc.), • Proficient in Outlook, MS Word, Excel, and Power Point, • Strong written and verbal communication skills

JCW is currently recruiting on behalf of a growing specialty E&S carrier seeking an AVP Environmental Liability Underwriter to join their newly launched Environmental Liability platform. This role is ideal for an experienced Environmental Liability underwriter with a strong background in business de

As a Senior Underwriter, you will play a critical role in driving profitability and growth to our expanding A&H business. Review facultative referrals from program underwriters, providing decisions, quality feedback, and direction in a timely manner.

We are seeking a highly qualified and experienced individual to join our team as a.The ideal candidate will have a background in underwriting, with specific expertise in Senior Living and previous experience with a carrier, MGA or Wholesale broker.Engage in the end-to-end underwriting process, inclu

Ategrity Specialty Insurance Company specializes in property, casualty, management liability and professional liability insurance, with a strong emphasis on the excess and surplus (“E&S”) lines market, partnering with brokers and wholesale agents throughout the U.We aim to establish ourselves as

If you're a Commercial Surety Underwriter who enjoys making underwriting decisions, building agency relationships, and working in an environment where technology actually makes your job easier, this opportunity is worth a conversation. Polikov Recruitment Solutions is partnering with one of the nati

Ategrity Specialty Insurance Company specializes in property, casualty, management liability and professional liability insurance, with a strong emphasis on the excess and surplus (“E&S”) lines market, partnering with brokers and wholesale agents throughout the U.We aim to establish ourselves as

PLEASE NOTE: This is a remote role, but candidates must reside in FL, KY, ME, NY, NC, SC, or TX About the Company Our client is a publicly traded, financially strong insurance organization that has been profitable every year since 2007. They operate with a startup mentality backed by fully built-out infrastructure, including experienced IT, HR, legal, and claims teams. The company runs on a custom-built platform with significant AI investment, and carries excess capital to deploy into growth. They're expanding aggressively into new E&S commercial property segments and new state markets over the next several years. About the Role This is a production-focused Senior E&S Commercial Underwriter role supporting the company's expansion into warehouses, strip malls, lessor's risk, and other commercial property classes beyond their existing commercial coastal residential book. The right candidate brings deep underwriting acumen combined with strong broker relationship skills. This is a "hunter" role, not a desk underwriting position. You'll be assigned specific wholesale broker relationships and expected to build your own portfolio over time. Key Responsibilities: • Underwrite and evaluate E&S commercial property accounts across cat-exposed properties, warehouses, strip malls, commercial coastal residential, and lessor's risk segments, • Assess risks using knowledge of commercial sprinkler system ratings, fire protection requirements, and safety standards, • Build and maintain wholesale broker relationships within target markets, • Contribute to underwriting guidelines, policies, and procedures as the book grows, • Conduct renewal underwriting to manage and improve book performance, • Collaborate cross-functionally with Claims, Product Management, and Marketing, • Analyze wholesaler books of business on a semi-annual basis and communicate findings to Sales leadership, • Mentor less-experienced underwriters and underwriting assistants, • Participate in cross-departmental projects including audits and user acceptance testing Qualifications: • Minimum 5 years commercial property underwriting experience, • Deep familiarity with E&S markets, distribution, and underwriting practices, • Experience underwriting warehouses, lessor's risk, and/or other specialty commercial property segments, • Working knowledge of commercial sprinkler system ratings and fire protection standards, • Familiarity with Florida, Texas, and/or South Carolina property markets, • Demonstrated ability to build broker relationships and drive new business production, • Strong verbal and written communication skills, • Bachelor's degree preferred; professional designations (CPCU, AU, ARM, AINS, AIM, AIC) a plus Why we love this opportunity: • Profitable, well-capitalized company with a true growth trajectory, not a turnaround, • Startup energy with the backing of a publicly traded organization and fully built infrastructure, • Custom-built tech platform with heavy AI investment, no legacy system headaches, • Remote flexibility with a small, nimble underwriting team, • Real opportunity to build something from the ground up as the company expands into new states and product lines, • Stock awards being rolled out for all employees

Let’s redefine excellence together! What we’re looking for: AmeriSave is currently hiring Condo Project Review Underwriters to join our winning team. Communicate with underwriter and processor with possible discrepancy on documents being requested.

Computer Skills - To perform this job successfully, an individual should have knowledge of Loan Origination software (Loan Producer preferred), DU (Desktop Underwriter), DO (Desktop Originator), Outlook, Microsoft Word and Excel, along with a general understanding of the Internet. Coordinate with Mo

Perform all duties for a level 1, 2, and 3 Consumer Underwriter. Support and respond to questions from Consumer Underwriter 1, 2 and 3.

Supports and responds to questions from Indirect Underwriter 1 and Indirect Underwriter 2. Escalates loan files with recommendations that exceed individual lending authority and/or are of high complexity and associated risk to an Indirect Underwriter 4 or Supervisor.

Small Business Unit Underwriter/Analyst.The Small Business Unit Underwriter/Analyst will be responsible for assignment of organizational assets within a defined authority level.This includes the evaluation, selection, acceptance, declination, pricing and servicing of workers' compensation accounts u

Setar Capital is seeking an experienced Senior Aviation Underwriter / Operations Lead.

Keywords: Medical Malpractice, Medical Mal, Med Mal, Healthcare Professional Liability, Physician, Doctor, Doctors, Physician Groups, Professional Liability, E&O, Underwriter, Underwriting, Medical Professional Liability, Medical Malpractice Underwriter, Medical Malpractice Underwriting. We are curr

The Underwriter is responsible for evaluating, pricing, and managing stop loss and level-funded medical risk opportunities.

Barrett Financial that is helping Loan Officers like you grow and build a thriving business! We offer the support, tools, and systems needed for you to be successful.From weekly coaching, consistent training, team outings, marketing support, competitive pricing and much more, Legions United Funding

We are seeking a motivated and customer-focused.Miami and South Florida market.The ideal candidate is self-driven, knowledgeable in residential lending, and comfortable managing the loan process from application through closing in a virtual environment.Originate residential mortgage loans, including

Data/AI Architect & Governance Analyst.Please review the job description below and contact me ASAP if you are interested.Employee benefits include, but are not limited to, health insurance (medical, dental, vision), 401(k) plan, and paid sick leave (depending on work location).Key Requirements and T

DATA ANALYST / REMOTE / W2 ONLY / NO Corp-To-Corp (No C2C).Our direct customer, a global Fortune 500 company & a leader in the Food Services industry is looking for a.ERP and VMS initiatives, while also bridging business and functional requirements.Gather, analyze, and interpret data from ERP system

Robert Half is representing a food manufacturing client in downtown Chicago on an open contract, with potential to be contract-to-hire,.The ideal candidate is local to the Chicagoland area, but potentially open to fully remote options.Financial modeling and forecasting in Excel.Overlap support with

Business Analyst – Clinical Trials.Pharma / Clinical Research (Mandatory).C2C/1099 (OR) $50/hr on w2 (Max - No rate Negotiation).Business Analyst with strong Pharma/Clinical Trials domain experience.The ideal candidate should have experience gathering and analyzing clinical study protocols, defini

Data Analyst / Data Scientist (Utility Analytics).Contract (1–2 Years, Special Project).We are seeking a detail-oriented.Customer Analytics and Digital Products team on a high-impact, special project.In this role, you will analyze large-scale utility datasets, evaluate customer-facing digital prod

Responsible for conducting deep dive analysis surrounding KPI e-Commerce metrics.Partner with various leaders within the organization including Merchandising, Marketing, and Site Experience to build reporting tools and analysis to drive the digital plan.Evaluate performance results to provide recomm

We are seeking a motivated and customer-focused.The ideal candidate is self-driven, knowledgeable in residential lending, and comfortable managing the loan process from application through closing in a virtual environment.Originate residential mortgage loans, including Conventional, FHA, VA, and Non

Experience supporting Scrum Master responsibilities.Experience supporting the engineering of AI agents, solutions, and products.Experience with Azure DevOps (ADO) and Copilot.Expert Agile knowledge and variations of the methodology (Scrum, SaFE, hybrid, etc.Strong background in writing user stories

Administrative Assistant – Marketing and Development.The American Parkinson Disease Association (APDA) is currently seeking an.APDA’s Marketing and Development Team and their growing organization.Eastern Standard Time Zone area.The ideal candidate is detailed focus with proficiency in data entry

TRIA prides itself in leading the charge for innovation and transformation in the federal government space.We offer technological implementations and build customer-centric services that are simple, intuitive, and usable across multiple industries.By partnering with federal agencies, our specialized

Launch your career in the reverse mortgage industry with the backing of one of America's most trusted financial brands — Mutual of Omaha, a Fortune 300 organization with over 100 years of stability.Your journey begins with an immersive one-month virtual classroom experience, where you'll build a s

Role: Business Analyst - Banking Account Management & Decision Management.Domain: Banking / Financial Services.Location: Preferred Pittsburgh, PA or Cleveland, OH.Remote can be considered for strong candidates.Seeking an experienced Business Analyst with strong expertise in.Banking Account Managemen