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Job Description Junior Underwriter (PGIA) Hybrid (Remote available for the right candidate) Partners General Insurance Agency, LLC, a subsidiary of K2 Insurance Services, LLC, is seeking a full-time Junior Underwriter to join their underwriting team. Remote position. Founded in 2001, Partners General is a managing underwriter for general liability and excess liability programs offered in all 50 states. Acquired by San Diego-based K2 Insurance Services in 2018, Partners General continues to expand its product offerings by developing new insurance programs for national distribution. Partners General offers the opportunity to join an established company in growth mode. Our compensation package includes competitive pay; bonus plan; medical, dental, vision insurance; unlimited paid time-off (PTO) in year of hire; and 401(k) with employer match. Position Overview We are seeking a Junior Underwriter to support new business production through front-end submission screening and underwriting of small commercial accounts. This role focuses on Commercial General Liability and Excess Liability, with a strong emphasis on construction-related risks. The Junior Underwriter will manage submission triage, quoting within defined authority, and routing eligible risks to senior underwriting staff. This position plays a critical role in ensuring underwriting efficiency, consistent submission handling, and timely responses to brokers. Key Responsibilities Submission Intake & Triage • Review all incoming broker submissions for eligibility and underwriting appetite, • Evaluate submissions for premium size, account type, and complexity, • Quote new business Commercial General Liability and Excess Liability accounts within an established Junior Underwriter authority, • Underwrite and manage small commercial accounts in accordance with underwriting guidelines, • Maintain ownership of assigned accounts throughout the policy lifecycle, • 3-5 years of experience in commercial underwriting, underwriting support, or insurance operations, • Solid understanding of Commercial General Liability and Excess Liability products, • Experience underwriting or evaluating construction-related risks preferred, • Strong analytical, organizational, and decision-making skills, • Proven ability to manage a high-volume workflow with accuracy and timely turnaround, • Production-driven mindset with a focus on new business growth, • Effective communication skills for broker and internal partner interaction

Job Description The Senior Commercial Underwriter shall perform financial analysis and risk assessment on Commercial & Industrial and Commercial Real Estate transactions. This independent analysis function is designed to provide an in-depth evaluation of the strengths and weaknesses in commercial loan requests that will assist management in determining if the overall risk in a credit request is acceptable to the Bank. In addition, this position may be asked to apply their financial analysis skills to assist other areas of credit risk management. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. • Prepare timely, high quality credit analysis and recommendations that accurately describe the transaction along with risk and mitigating factors associated with the loan request., • Prepare detailed analysis of historical property operations to make informed decisions about future performance., • Utilize financial spreading software as well as other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of the borrower’s primary and secondary repayment sources., • For real estate transactions, in-depth understanding of property operating statements, leases, rent rolls, real estate schedules and the ability to perform detailed cash flow analysis using CRE templates. Ability to perform stress testing scenarios on construction projects and stabilized income producing real estate properties., • For C&I transactions, ability to understand cash flow cycles, conduct sensitivity analysis, evaluate Borrower’s cash flow and its ability to provide adequate debt coverage for the proposed transactions as well as determine cushions of protections., • Research and investigate applicable market data using industry related tools such as Co Star and Vertical IQ., • Analyze third-party reports and appraisals. Determine and obtain missing files and/or missing documentation as needed to complete the assignment., • Experience in analyzing and interpreting all levels of financial statement quality., • Ability to analyze complex personal financial statements and personal tax returns of sponsors/guarantors as well as contingent debt., • Assign risk rating based on risk rating metrics and Bank loan policy., • Monitor and measure financial covenants as well as Borrower operating performance., • Assist with preparation of loan presentations for Executive and Board Loan Committees., • Perform routine annual reviews of relationships within loan portfolio., • Assist with training & mentoring of commercial underwriting team members., • Attend client meetings, as appropriate, to support underwriting request. Other Duties • Complies with all policies and procedures as applied to the Bank's BSA/AML policy., • Perform other duties as assigned. Skills/Abilities • High level of commercial loan underwriting expertise., • Extensive knowledge of spreading and analyzing financial statements., • Thorough understanding of financial accounting., • Knowledge of applicable local market., • Ability to work well under pressure and meet designated deadlines., • Full understanding of loan documentation and applicable regulatory requirements., • Excellent verbal and written communication skills., • Computer literate with proficiency in Microsoft Office applications., • Excellent organizational skills., • Strong analytical skills and attention to detail., • Ability to work independently while meeting processing standards for quality and quantity., • Experience with Financial Spreading software., • Experience with industry related tools (Vertical IQ & Co-Star preferred). Supervisory Responsibility This position has no supervisory responsibilities. Work Environment This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer. Physical Demands This position requires manual dexterity, the ability to lift files and opening cabinets. This position requires bending, stooping or standing as necessary. Travel Travel may be required for this position. Education and Experience • Bachelor’s degree (preferred Finance, Accounting, or equivalent industry experience)., • Formal Credit training or equivalent industry experience preferred. Equal Employment Opportunity Employer/M/F/disability/protected veteran status. Equal Employment Opportunity Employer/M/F/disability/protected veteran status

Job Description Are you a proven leader in the Mortgage and Real Estate industry? This may include experience in Title, Lending, a Real Estate Team, or Brokerage. If so, we want to hear from you. Lead. Innovate. Elevate. The Cowart Team Home Loans, a well-established and highly respected mortgage branch in Richmond, VA, is seeking an Operations Manager to ensure our business runs seamlessly while delivering an exceptional home-buying experience to every client. For more than a decade, our 17-person team has helped families across Central Virginia achieve one of life’s most meaningful milestones, homeownership. We’ve built strong systems, earned a trusted reputation, and cultivated a people-first culture. Now, we’re ready to take the next step, and we’re looking for a proactive, strategic leader to help us scale and continuously improve. This is a true player-coach role. You’ll lead our operations team while remaining hands-on, personally processing 5–10 loans per month. Serving as the bridge between vision and execution, you’ll drive operational excellence, champion smart technology adoption, and reinforce a culture of accountability and high performance. Compensation & Benefits • Expected total compensation: $100,000+ once fully proficient, • Competitive base salary plus per-loan bonuses (for 5–10 loans monthly), • Quarterly performance bonuses tied to metrics and branch success Why Join The Cowart Team Purpose-Driven Leadership • Step into a key leadership role as the third-in-command within a highly respected branch., • Influence how operations are run and have a meaningful voice in strategic decisions., • Enjoy the autonomy of a close-knit team backed by the stability and resources of a top 15 mortgage company., • Deliver white-glove, boutique-style service with the power of a national platform behind you., • Lead at a strategic level while staying connected to the day-to-day work., • Implement smarter processes that simplify workflows and elevate the client experience. Process & Innovation • Oversee the entire client journey—from application through post-closing., • Identify inefficiencies, optimize workflows, and advocate for better tools and systems., • Lead technology adoption and continuous process-improvement initiatives., • Drive innovation, elevate technology best practices, and champion a culture of excellence., • Maintain SLA compliance and ensure all loans close on schedule., • Monitor and analyze key performance metrics and turn times., • Perform quality control reviews and provide coaching for ongoing improvement., • Partner with the leadership team using EOS principles to achieve organizational goals., • Lead, support, and develop processors, virtual assistants, and other operational roles., • Hire, onboard, and develop top-tier talent, ensuring the right people are in the right seats., • Personally process 5–10 loans each month to stay connected to frontline work., • Use real-time insights to identify and resolve operational friction points., • 3 Months: You understand our systems, have earned the team’s trust, and identified key improvement opportunities., • 6 Months: SLAs are trending upward, the team feels supported, and new systems are creating meaningful impact., • 3 years in mortgage operations (processor, underwriter, closer, or ops leader)., • A proven “go-to” person who thrives on accountability and continuous improvement., • Calm under pressure and skilled at balancing details with big-picture thinking., • A natural leader and coach who empowers others to grow., • Tech-savvy and comfortable using data to drive decisions., • Local to Richmond/Central Virginia and passionate about community impact.About Company The Cowart Team Home Loans exists to create a better way to buy a home by listening, planning, solving, and winning together. Based in Richmond, VA, we’re a local, full-service mortgage team that believes in hands-on guidance, proactive planning, and genuine care for clients and partners. We’re a team of Caring Rebels, creative experts who actually care, always going against the grain to do what’s right. We value curiosity, grit, gratitude, and teamwork, rowing with winners who love progress and excellence. If you’re ready to lead with purpose and bring your operational expertise to a high-performing, people-first team, we’d love to hear from you!

Job Description Management of a Mortgage Branch is a must in order to be considered for this role. We’re looking for a driven and resourceful Director of Mortgage Operations to lead business operations, optimize team performance, and execute the company vision. The ideal candidate will possess deep expertise in Mortgage Operations, demonstrated leadership skills, and a continuous improvement mindset focused on driving operational excellence and enhancing customer experience. Compensation & Benefits • Competitive base salary plus per-loan bonuses (for 5–10 loans monthly), • Quarterly performance bonuses tied to metrics and branch success, • Maintain operational compliance with internal and external standards, • Analyze reports, budgets, and KPIs to inform decisions and maximize profitability, • Partner with leadership on planning, reporting, and long-term vision, • Build and develop a high-performing team through hiring, training, and ongoing coaching, • Develop and implement strategies to achieve company goals and drive profitability, • Oversee day-to-day operations of the mortgage branch, ensuring efficiency, accuracy, and compliance., • Partner with the Branch Leaders to drive production goals and operational improvements., • Maintain high-quality standards for loan files, disclosures, timelines, and customer experience., • Maintain operational policies, workflows, and best practices., • Analyze performance metrics and provide regular reporting to leadership. Qualifications: • Has experience managing teams and overseeing business operations, • Excellent communication and interpersonal skills, • Ability to lead with integrity and motivate teams toward shared goals, • Strong organizational skills and comfort managing complexity, • Tech-savviness and comfort using management platforms or tools, • 3 years in mortgage operations (processor, underwriter, closer, or ops leader)., • Proven track record of managing teams in a high-volume environment., • Exceptional problem-solving skills and operational insight., • Excellent communication, leadership, and organizational abilities.About Company The Cowart Team Home Loans exists to create a better way to buy a home by listening, planning, solving, and winning together. Based in Richmond, VA, we’re a local, full-service mortgage team that believes in hands-on guidance, proactive planning, and genuine care for clients and partners. We’re a team of Caring Rebels, creative experts who actually care, always going against the grain to do what’s right. We value curiosity, grit, gratitude, and teamwork, rowing with winners who love progress and excellence. If you’re ready to lead with purpose and bring your operational expertise to a high-performing, people-first team, we’d love to hear from you!

Medical, Vision, Dental & Life Insurance.

Medical, Vision, Dental & Life Insurance. Emphasis in Risk Management & Insurance preferred. The trainee will gain an understanding of the underwriting thought process and learn to utilize underwriting guidelines, procedures, rating manual rules and insurance laws/regulations.

Proficiency in QC and underwriting tools, including Fannie Mae's Loan Quality Connect (LQC), Collateral Underwriter (CU), Desktop Underwriter (DU), Quality Insider, and Ask Poli; experience with vendor tools such as ACES Quality Management, LoanLogics, or equivalent. POST - CLOSING QUALITY CONTROL U

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