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Job DescriptionDescription: Work Location: Hauppauge, NY About Us: Hanover Bank– When you love your work and the people you work with, careers are made! Embracing diversity, valuing inclusion and showing respect are the foundation upon which we build our team. At Hanover Bank, inclusion means respecting personal beliefs and appreciating that we all have perspectives that matter. We are stronger together as we move toward a shared vision of personal and corporate growth. Whether you are just starting out or a seasoned professional, working for Hanover Bank can launch you on a path to success. With a passion for excellence, we strive to deliver exceptional service to our clients, foster a positive impact in the communities in which we work and live and help our team members achieve their professional goals. When you work with us you are empowered, engaged and encouraged to collaborate because every voice matters, every person counts! Job Summary Hanover Bank is looking for a full-time Senior Commercial Underwriter to join our team. The Senior Commercial Underwriter is responsible for underwriting commercial loans, inclusive of C&I and CRE loans, while ensuring compliance with appropriate company credit policies and procedures. They will analyze the character, collateral, cash flow, capital, and conditions of every credit request and make an informed and objective credit decision. Essential Job Duties and Responsibilities • Examine overall credit file documentation to ensure accuracy and completeness., • Review financial statements, tax returns, personal financial statements, loan-to-value ratios, credit reports, appraisal reports, and Phase I reports., • Analyze all cash flow information and collateral., • Perform required underwriting stress tests on proposed commercial originations., • Discuss any potential underwriting exceptions and review with the Director of Commercial Credit., • Discuss new loan transactions with the sponsoring Lending Officer and Senior Management, when appropriate., • Prepare written credit memos for new loans or renewals to be submitted for signature approval or to the Loan Committee for approval., • Assist in ensuring the loan processing staff procure the appropriate information necessary to finalize incomplete loan packages., • Stay abreast of any changes in loan underwriting policy and procedural changes., • Effectively communicate with clients on underwriting issues or the need for additional data, including reaching out to customers directly when required to secure additional credit information to process the new credit transaction., • Periodically perform reviews and cash flow assessments on commercial loans to ensure sufficient debt service coverage, collateral coverage and appropriate risk rating classifications., • Ensure compliance with all regulations, policies, and procedures. Perform additional accountabilities, as required., • Stay abreast of market conditions affecting the commercial real estate market or local market information affecting C&I customers., • Perform portfolio management, including loan extensions, renewals, and modifications on existing loans., • Perform annual reviews, including risk rating recommendations on existing loans., • Perform other miscellaneous credit-related responsibilities as needed., • Mentor Commercial Underwriters, including providing support, training, and guidance on best practices., • Review the Credit Memos of Commercial Underwriters to ensure accuracy and to provide feedback., • Aid in the development of underwriting processes and procedures. Education and Experience • Bachelor's degree in Business, Finance, or a related field preferred, but not required, • 10 or more years of experience in CRE and/or C&I underwriting, • Formal Credit training, or commensurate training or experience, • Knowledge of financial statement spreading and credit analysis, • Proficient in Microsoft Office Suite, • Team player with the ability to adapt to changes, multitask, and work in a fast-paced, growing environment, • Ability to effectively train and mentor, • Strong verbal and written communication skills Our Benefits: Health & Wellness Benefits · Medical, Dental, and Vision insurance (with HSA, FSA, and Commuter Benefits options) · Company-paid Life Insurance and Accidental Death & Dismemberment (AD&D) · Company-paid Long-Term Disability Insurance Voluntary Benefits · Additional Life and AD&D Insurance for employee, spouse, and dependents · Voluntary Short-Term Disability Insurance · Pet Insurance · Legal Services Plan · Accident Insurance · Hospital Indemnity Insurance · Cancer Care Insurance Retirement · 401(k) Plan with Company Match Time Off & Recognition · Paid Personal Time Off (PTO) · Paid Company Holidays · Annual Performance Bonuses · Annual Salary Increases Employee Engagement · Company-sponsored Events · Employee Contests and Recognition Programs Salary: $125,000.00 - $153,000.00; placement within this range will vary based on experience and skill level. Hanover Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. Requirements:

Job DescriptionPosition Description: As a Workers’ Compensation Underwriter at PrestigePEO you’ll be responsible for evaluating and pricing workers’ compensation risk across a diverse portfolio of client companies. You’ll partner closely with sales, implementation, and carrier partners to ensure profitability, compliance, and sustainable growth within the PEO’s workers’ compensation program. This role combines technical underwriting expertise with relationship management, requiring a keen eye for detail, strong analytical ability, and a collaborative mindset. Key Responsibilities • Risk Assessment: Evaluate potential and existing client companies for workers’ compensation risk exposure, including industry classification, loss history, claims trends, and safety programs., • Pricing & Quoting: Develop and recommend pricing based on risk characteristics, experience modifications, and underwriting guidelines., • Carrier Liaison: Collaborate with carrier partners to obtain terms, negotiate renewals, and ensure alignment with carrier appetite and underwriting requirements., • Portfolio Management: Monitor performance of the book of business, identify trends, and recommend corrective actions to maintain profitability., • Compliance & Documentation: Ensure adherence to state regulations, rating bureau rules (NCCI, WCIRB, etc.), and company underwriting policies., • Collaboration: Work with internal teams (Sales, Risk, HR, Finance, Claims) to evaluate new business opportunities and provide underwriting guidance during the client onboarding process., • Reporting & Analytics: Maintain accurate underwriting records, prepare performance reports, and participate in audits or internal reviews., • Continuous Improvement: Recommend enhancements to underwriting processes, risk selection criteria, and technology tools to increase efficiency and profitability. Qualifications Required:, • Bachelor’s degree in Business, Finance, Risk Management, or related field., • 3–7 years of experience in workers’ compensation underwriting, preferably within a PEO., • Strong understanding of workers’ compensation rating, classification codes, and experience mod factors., • Familiarity with multi-state underwriting and regulatory environments., • Knowledge of loss control and claims management processes., • Strong carrier and broker relationships., • Professional designations such as CPCU, ARM, or WCP (Workers’ Compensation Professional) a plus. Core Competencies:, • Analytical and detail-oriented, • Strong negotiation and communication skills, • Ability to manage competing priorities and tight deadlines, • Collaborative and adaptable in a fast-paced PEO environment Cti1L8uRJt

Job Description We are seeking a dynamic and experienced Commercial Insurance Renewal Underwriter. The successful candidate will be responsible for assisting the commercial insurance team on renewal accounts, providing exceptional service to clients, and ensuring their insurance needs are met with tailored solutions. Responsibilities: • Serve as the primary point of contact for a portfolio of commercial insurance clients, • Analyze client insurance programs and recommend appropriate coverage enhancements or adjustments, • Identify new market opportunities and develop strategies to expand our customer base, • Build and maintain strong relationships with key clients, ensuring their needs are met, • Prepare and present insurance proposals and renewals to clients, • Process policy endorsements, certificates of insurance, and other administrative tasks accurately and efficiently, • Stay updated on industry trends, regulatory changes, and development of new insurance products to identify potential business opportunities Qualifications & Experience: • Current property and casualty license, • 3 Years of experience preferred in commercial insurance, • Background in account management, sales, and negotiation with a strong knowledge of commercial insurance products and coverages, • Excellent communication and interpersonal skills, with the ability to build rapport and trust with clients and colleagues, • Detail-oriented with strong analytical and problem-solving abilities, • Organizational skills with the ability to prioritize tasks effectively

About Us Handsome Homebuyer is one of Long Island’s fastest-growing real estate investment companies. We acquire, renovate, build, and sell properties with speed, precision, and pride. Our vertically integrated model allows us to evaluate, purchase, and renovate homes efficiently while maintaining exceptional quality. About the Role We are seeking a highly skilled Real Estate Underwriter with a strong background in real estate valuation, acquisitions underwriting, appraisal, construction estimating, and investment analysis. This role is ideal for an experienced appraiser, underwriter, or valuation professional who wants to apply their analytical expertise to investment decisions, monetization strategy, and deal optimization. You will assess property value, evaluate zoning and market factors, develop renovation scopes, determine highest-and-best-use, and help shape acquisition strategy. Your valuation insights will directly influence purchase decisions, renovation plans, and profitability. Work Schedule Tuesday –Saturday, (9:00 AM–5:00PM) Saturday hours may vary and require flexibility. Day to Day Responsibilities • Maintain and update CRM records to ensure data accuracy, workflows, lead information and full pipeline visibility., • Provide valuation-based guidance to field representatives during negotiation and contract phases., • Collaborate with the Construction team to create detailed scopes of work based on ROI and value impact., • Communicate projected renovation costs and value lift to support purchase strategy., • Collaborate with the Dispositions team to set strategic wholesale pricing and approve offers., • Work with the Transaction Coordinator (TC) to determine list prices for renovated and new construction properties., • Recommend pricing adjustments for properties on the market based on market conditions and feedback., • Utilize Microsoft Office Suite, Excel and Google Sheets for data modeling, tracking, and analysis., • Work with oneKEY MLS to research property details and manage listing information., • Review and interpret property records and parcel data using GeoData. Property Evaluation and Underwriting • Analyze on- and off-market deals to determine offer/monetization strategy and Maximum Allowable Offer (MAO), • Conduct Highest and Best Use analysis for: Wholesale, fix & flip, teardown & new builds, retail MLS resale, and rentals, • Prepare full valuation packets: After repair value (ARV) comps, land vs improvement value, rehab estimates, exit strategy analysis and risk assessment Construction & Renovation Estimates • Prepare accurate repair estimates for: Cosmetic renovations, full gut rehab, additions/dormers and new construction., • Identify major red flags such as foundation issues, mechanical problems and functional obsolescence. Market, Zoning and Trend Analysis • Review local zoning, setbacks, and buildable areas, • Analyze market trends, supply/demand, local comps, and neighborhood and market shifts Offer and Deal Strategy • Produce written MAO calculations for scenarios, • Recommend final offer & exit plans to leadership, • Support acquisition representatives during negotiation and contract phases, • Track deals from due diligence through closing Contracts, Legal, and Compliance • Coordinate with the TC to ensure all contracts and documents for properties under contract move through the pipeline promptly., • Ensure full compliance with applicable codes, ordinances, regulations, and laws. Required Skills & Qualifications • Detail-oriented with strong analytical capabilities, • Excellent written and verbal communication skills, • High integrity with a team-first mindset, • Construction or Real Estate experience (hands-on or General Contracting-level estimating) or ability to manage construction budgets for flips and new builds., • 3+ years of experience assessing property condition via photos/video and produce accurate repair estimates., • Experience underwriting deals for investors, developers, fix & flip companies, or private lenders. Preferred • Strong appraisal knowledge including comp selection, adjustments, and ARV modeling, • Strong understanding of cost differences between: light renovations vs full gut rehabs, extension dormers, ground up construction, mechanical, electrical, plumbing (MEP) upgrades Benefits Medical, Dental, and Vision coverage • Generous paid time off, • Company-paid holidays, • Commuter and/or transit benefits, • Homebuyers Program, • Clear path for growth for high-performing candidate Compensation $65,000 to $80,000 annually. Actual compensation will be based on skills, experience, and qualifications. This is a bonus eligible role. Selection Process The application process begins with a brief initial screen phone interview for qualified candidates, a short assessment to evaluate skills and role fit, followed by a collaborative panel interview with key team members. EEO Statement Handsome Homebuyer is an Equal Opportunity Employer. We consider all qualified applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by Federal, State, and/or Local law.

Manage the profitability, growth, and retention of an assigned book of business.Underwrite and skillfully negotiate complex customer accounts to minimize risk and maximize profitability.Cultivate and maintain relationships with internal partners within the business unit and across the enterprise to

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We are seeking a highly skilled Real Estate Underwriter with a strong background in real estate valuation, acquisitions underwriting, appraisal, construction estimating, and investment analysis. This role is ideal for an experienced appraiser, underwriter, or valuation professional who wants to appl

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