34 jobs found

TITLE Commercial Business Banker EOE STATEMENT CFG is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources. LOCATION CFG Corporate Office DESCRIPTION POSITION SUMMARY : Actively solicits prospects and referral sources for new commercial loan and deposit opportunities. Plays an active role in the community to represent the Bank and obtain new business leads. Identifies cross-sell opportunities and makes referrals to the appropriate areas of the Bank. Performs preliminary underwriting to determine credit worthiness and presents loan requests for approval. Negotiates loan terms and Bank documents. Ensures loans are risk rated properly. ESSENTIAL DUTIES AND RESPONSIBILITIES: Develop new banking relationships with business prospects. Service existing business banking client base. Achieve established goals as outlined by manager. Work with branch partners to maximize sales efforts to business customers and cross sell other products and services that the bank offers. Network with centers of influence to develop business including accountants, attorneys and other referral sources. Evaluate credit information and requests and recommend appropriate loan structure to manage risk. Effectively negotiate with underwriters and clients to maximize revenue and minimize risk. Achieve sales goals with minimum expectations as follows: Loan production of $4MM to $8MM. Deposit balance production of $800M to $2MM. Manage loan portfolio of relationship to include annual reviews, covenant compliance. Actively participate in all business banking business development. Achieve call targets and other product sales goals such cash management, visa merchant, and others as assigned. Utilize prescribed selling techniques to maximize sales opportunities. Determines banking needs of clients and structures appropriate solutions. Provides financial counseling and quality customer service. Meets periodically with Chief Lending Officer to review pipeline. Plays an active leadership role in the community and at corporate events, which leads to additional sales opportunities. Determines the credit worthiness of loan requests via analysis of financial information and discussions with Chief Lending Officer. Negotiates loan structure and pricing. Coordinates with administrative support and credit department to prepare written credit analysis of loan/cash management request. Reviews and negotiates loan documents and handles loan closings. Recommends appropriate risk ratings to ensure risks are properly identified and loans are accurately rated. Assists administrative staff in the collection of past due loans. Responsible for asset quality of originated loans (past dues, charge offs, non-accruals and criticized assets). Analyzes applicant's capacity to repay and determine whether a loan may be an acceptable risk within loan policy guidelines. Obtains and directs the analysis of all necessary financial data. Conducts credit checks, conducts or initiates assessments and makes site visits as necessary. Maintains the confidentiality of all customer and bank relationships. Promotes and support the Community Development efforts of the bank. Assists other lending staff as needed. QUALIFICATIONS AND REQUIREMENTS: Four-year college degree in business preferred. Successfully completed formal lending/training program or equivalent. Minimum of 5 years commercial lending experience. Ability to determine through underwriting/analyzing loan requests the viability of a loan request. Must be proficient with commercial loan structuring and government regulations. Ability to attract and retain commercial relationships. Must possess knowledge of loan documentation. Ability to manage larger more complex credit requests. Must be a team player. WORK ENVIRONMENT : We offer a hybrid schedule, with 3 days in office and 2 days remote after the initial 90-day period. EQUAL OPPORTUNITY EMPLOYER/VETERANS/DISABLED. CFG Bank is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources. ABOUT THE ORGANIZATION CFG BANK HAS ESTABLISHED POLICIES AND PROCEDURES TO FULFILL THE REQUIREMENTS OF THE BANK SECRECY ACT (BSA), USA PATRIOT ACT (CUSTOMER IDENTIFICATION PROGRAM) AND ECONOMIC SANCTIONS PROGRAM (OFAC). IN ORDER TO ENABLE ITS EMPLOYEES TO ACHIEVE THE OBJECTIVES AND RESPONSIBILITIES OUTLINED IN THESE POLICIES AND PROCEDURES AND TO COMPLY WITH THE REQUIREMENTS OF THESE ACTS AND LAWS, THE BANK HAS SET FORTH UP-TO-DATE CURRENCY TRANSACTION REPORTING AND SUSPICIOUS TRANSACTION REPORTING PROCEDURES INTENDED TO ASSURE THE PREPARATION AND FILING OF COMPLETE AND ACCURATE CURRENCY TRANSACTION REPORTS (CTR) AND SUSPICIOUS ACTIVITY REPORTS (SAR) FOR EACH AND EVERY REPORTABLE TRANSACTION AND HAS PROVIDED CURRENT OFAC LISTS FOR NEW CUSTOMERS AND LOAN APPLICANT COMPARISONS. AS AN EMPLOYEE OF CFG BANK YOU ARE REQUIRED TO BE: DEDICATED TO ACHIEVING THE OBJECTIVE OF ASSISTING BANK MANAGEMENT IN THEIR EFFORTS TO IDENTIFY REPORTABLE TRANSACTIONS; AND DEDICATED TO ACHIEVING THE OBJECTIVES AND REPORTING REQUIREMENTS OUTLINED IN THE BANK'S BSA, CUSTOMER IDENTIFICATION PROGRAM AND ECONOMIC SANCTION PROGRAM POLICES. THE MANDATORY TRAINING TO COMPLY WITH THE REQUIREMENTS OF THE BANK'S BSA, USA PATRIOT ACT AND ECONOMIC SANCTIONS PROGRAM WILL BE PROVIDED WITHIN 90 DAYS OF ACCEPTING THIS POSITION. PIbee1b31fff60-4023

TITLE Commercial Business Banker EOE STATEMENT CFG is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources. LOCATION CFG Corporate Office DESCRIPTION POSITION SUMMARY : Actively solicits prospects and referral sources for new commercial loan and deposit opportunities. Plays an active role in the community to represent the Bank and obtain new business leads. Identifies cross-sell opportunities and makes referrals to the appropriate areas of the Bank. Performs preliminary underwriting to determine credit worthiness and presents loan requests for approval. Negotiates loan terms and Bank documents. Ensures loans are risk rated properly. ESSENTIAL DUTIES AND RESPONSIBILITIES: Develop new banking relationships with business prospects. Service existing business banking client base. Achieve established goals as outlined by manager. Work with branch partners to maximize sales efforts to business customers and cross sell other products and services that the bank offers. Network with centers of influence to develop business including accountants, attorneys and other referral sources. Evaluate credit information and requests and recommend appropriate loan structure to manage risk. Effectively negotiate with underwriters and clients to maximize revenue and minimize risk. Achieve sales goals with minimum expectations as follows: Loan production of $4MM to $8MM. Deposit balance production of $800M to $2MM. Manage loan portfolio of relationship to include annual reviews, covenant compliance. Actively participate in all business banking business development. Achieve call targets and other product sales goals such cash management, visa merchant, and others as assigned. Utilize prescribed selling techniques to maximize sales opportunities. Determines banking needs of clients and structures appropriate solutions. Provides financial counseling and quality customer service. Meets periodically with Chief Lending Officer to review pipeline. Plays an active leadership role in the community and at corporate events, which leads to additional sales opportunities. Determines the credit worthiness of loan requests via analysis of financial information and discussions with Chief Lending Officer. Negotiates loan structure and pricing. Coordinates with administrative support and credit department to prepare written credit analysis of loan/cash management request. Reviews and negotiates loan documents and handles loan closings. Recommends appropriate risk ratings to ensure risks are properly identified and loans are accurately rated. Assists administrative staff in the collection of past due loans. Responsible for asset quality of originated loans (past dues, charge offs, non-accruals and criticized assets). Analyzes applicant's capacity to repay and determine whether a loan may be an acceptable risk within loan policy guidelines. Obtains and directs the analysis of all necessary financial data. Conducts credit checks, conducts or initiates assessments and makes site visits as necessary. Maintains the confidentiality of all customer and bank relationships. Promotes and support the Community Development efforts of the bank. Assists other lending staff as needed. QUALIFICATIONS AND REQUIREMENTS: Four-year college degree in business preferred. Successfully completed formal lending/training program or equivalent. Minimum of 5 years commercial lending experience. Ability to determine through underwriting/analyzing loan requests the viability of a loan request. Must be proficient with commercial loan structuring and government regulations. Ability to attract and retain commercial relationships. Must possess knowledge of loan documentation. Ability to manage larger more complex credit requests. Must be a team player. WORK ENVIRONMENT : We offer a hybrid schedule, with 3 days in office and 2 days remote after the initial 90-day period. EQUAL OPPORTUNITY EMPLOYER/VETERANS/DISABLED. CFG Bank is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources. ABOUT THE ORGANIZATION CFG BANK HAS ESTABLISHED POLICIES AND PROCEDURES TO FULFILL THE REQUIREMENTS OF THE BANK SECRECY ACT (BSA), USA PATRIOT ACT (CUSTOMER IDENTIFICATION PROGRAM) AND ECONOMIC SANCTIONS PROGRAM (OFAC). IN ORDER TO ENABLE ITS EMPLOYEES TO ACHIEVE THE OBJECTIVES AND RESPONSIBILITIES OUTLINED IN THESE POLICIES AND PROCEDURES AND TO COMPLY WITH THE REQUIREMENTS OF THESE ACTS AND LAWS, THE BANK HAS SET FORTH UP-TO-DATE CURRENCY TRANSACTION REPORTING AND SUSPICIOUS TRANSACTION REPORTING PROCEDURES INTENDED TO ASSURE THE PREPARATION AND FILING OF COMPLETE AND ACCURATE CURRENCY TRANSACTION REPORTS (CTR) AND SUSPICIOUS ACTIVITY REPORTS (SAR) FOR EACH AND EVERY REPORTABLE TRANSACTION AND HAS PROVIDED CURRENT OFAC LISTS FOR NEW CUSTOMERS AND LOAN APPLICANT COMPARISONS. AS AN EMPLOYEE OF CFG BANK YOU ARE REQUIRED TO BE: • DEDICATED TO ACHIEVING THE OBJECTIVE OF ASSISTING BANK MANAGEMENT IN THEIR EFFORTS TO IDENTIFY REPORTABLE TRANSACTIONS; AND • DEDICATED TO ACHIEVING THE OBJECTIVES AND REPORTING REQUIREMENTS OUTLINED IN THE BANK'S BSA, CUSTOMER IDENTIFICATION PROGRAM AND ECONOMIC SANCTION PROGRAM POLICES. THE MANDATORY TRAINING TO COMPLY WITH THE REQUIREMENTS OF THE BANK'S BSA, USA PATRIOT ACT AND ECONOMIC SANCTIONS PROGRAM WILL BE PROVIDED WITHIN 90 DAYS OF ACCEPTING THIS POSITION. PI60d728f1ccf6-4023

About Velocity Risk By innovating the connection of risk and capital, Velocity Risk delivers specialty property insurance in catastrophe prone communities. Embracing Nature's volatility and turning problems into potential, we are transforming old insurance practices. Our uncommon approach to business creates uncommon careers where employees are empowered to flourish. About the role Are you someone looking for a role that will challenge you to step outside your comfort zone? Are you looking to join an innovative, collaborative team environment that allows you to learn from others and grow in your career? If you, you are just the type of person that will fit into our distinctive culture. As a Small Commercial Sr Underwriter, you are responsible for analyzing and underwriting business for the Commercial Line to meet Combined Ratio and capital metric goals. You will be responsible for up to $30M book of business while utilizing your underwriting expertise to help determine risk acceptability, pricing, underwriting guidelines, developing positive agency relationships within assigned territories, auditing underwriting files and accounts and improving on underwriting processes. Partnering with other departments and your colleagues, you will provide insights and feedback on ways to further improve and develop the products and services Velocity Risk offers. What you"ll do You will thrive in this position if you have these core capabilities†Communication - superb skills in writing and verbally communicating High attention to Detail - focused and attentive to correct data and pinpointing any inaccurate information quickly and efficiently Highly organized and prioritized - systematic record keeping skills and able to recognize time sensitivity and adapt accordingly Proven capability for confidentiality Core Competencies: Responsible for analyzing and underwriting up to a $30M book of business to meet capital metric and combined ratio goals. Lead and develop direct report(s) - includes organization of workflow and expectations per member of the team Provide coaching, training and mentorship guidance to Underwriter II's, Underwriter I's and Underwriter Assistants. Responsible for developing positive producer relationships and fostering pre-existing partnerships. Collaborating with the larger Commercial Lines team and other departments to further develop and enhance VRU products and service operations. Leadership meetings - lead meetings &/or present topics with Senior Management Team Qualifications Bachelor's degree preferably in a related discipline (i.e.: Risk Management or similar); CPCU or other professional designations are a plus Minimum of 5 years of commercial underwriting experience Demonstrated understanding of P&C underwriting principles and practices Has the skills needed to underwrite individual accounts and support a portfolio underwriting approach Velocity Risk provides equal opportunity to everyone, and we do not tolerate discrimination or harassment to anyone. We strive to ensure our employees have the best experience possible! We provide comprehensive and competitive benefits packs for our full-time employees. Medical, Dental, and Vision fully subsidized by Velocity Health Savings Account with employer contributions 401k after 6 months of employment Education and Certification Reimbursement and Bonus programs Paid Time off and company Holidays with floating holidays for flexibility Gym membership reimbursements Volunteer rewards and give-back initiatives In-office lunch provided We are a hybrid team with 3 days in office, 2 days remote. Velocity Risk participates in E-Verify. PI2102b584c7d8-2859

About Velocity Risk By innovating the connection of risk and capital, Velocity Risk delivers specialty property insurance in catastrophe prone communities. Embracing Nature's volatility and turning "problems" into potential, we are transforming old insurance practices. Our uncommon approach to business creates uncommon careers where employees are empowered to flourish. Are you someone looking for a role that will challenge you to step outside your comfort zone? Are you looking to join an innovative, collaborative team environment that allows you to learn from others and grow in your career? If you, you are just the type of person that will fit into our distinctive culture. About the role As a Senior Underwriter, you are responsible for building a book of business, coaching and mentoring underwriters and underwriting assistants. The majority of this role will be spent analyzing and underwriting a $25-40M book of business for Commercial Lines which includes determining risk acceptability, pricing, underwriting guidelines, developing positive agency relationships within assigned territories, auditing underwriting files and accounts and improving on underwriting processes. In addition to the underwriting function of your role, you will serve as a front-line manager of Velocity, developing a team of Underwriters and Underwriter Trainees through proactive coaching and engagement in their daily performance to build their skills and proficiencies. You will partner with the department AVP's and Head of MMB to proactively solution and present new ideas for better underwriting framework and product offerings. What you'll do The core responsibilities of this role are Underwriting a GWP $25-40M book of business Assist the Head of MMB in overseeing the underwriting functions of MMB. Partner with business units (Claims, Compliance, Operations) to prioritize projects, efficiencies and best practices for optimal underwriting and business performance. Lead a team of underwriters and underwriting assistants. Core Competencies: You will thrive in this position if you have these core capabilities Underwriting knowledge - A strong foundational knowledge of best practices and underwriting strategy. Results-driven and Autonomous - Self-motivated to succeed and drive the business to succeed. Communication - able to communicate messages and goals clearly and effectively both downwards and upwards within the organization. Decision Quality - able to make good decisions under pressure related to both underwriting and people. Organized with a keen attention to detail - focused and attentive to correct data and pinpointing any inaccurate information quickly and efficiently. Excellent Relationship Management - Build impactful and beneficial relationships with partners both internally within the team and externally in the market. Multi-tasking - nimble and flexible with the ability to pivot between tasks and projects. Leadership - Able to develop talent through empowerment and coaching and lives the values of Velocity. Qualifications Demonstrated Experience for success in this role Bachelor's degree or equivalent industry experience 7+ years of commercial insurance experience Professional insurance designations a plus Previous management and leadership experience Velocity Risk provides equal opportunity to everyone, and we do not tolerate discrimination or harassment to anyone. We strive to ensure our employees have the best experience possible! We provide comprehensive and competitive benefits packs for our full-time employees. Medical, Dental, and Vision fully subsidized by Velocity Health Savings Account with employer contributions 401k after 6 months of employment Education and Certification Reimbursement and Bonus programs Paid Time off and company Holidays with floating holidays for flexibility Gym membership reimbursements Volunteer rewards and "give-back" initiatives In-office lunch provided We are a hybrid team (2 days remote, 3 days in office). Velocity Risk participates in E-Verify. PIda93c5f9239c-9403

About Velocity Risk By innovating the connection of risk and capital, Velocity Risk delivers specialty property insurance in catastrophe prone communities. Embracing Nature's volatility and turning problems into potential, we are transforming old insurance practices. Our uncommon approach to business creates uncommon careers where employees are empowered to flourish. Are you someone looking for a role that will challenge you to step outside your comfort zone? Are you looking to join an innovative, collaborative team environment that allows you to learn from others and grow in your career? If you, you are just the type of person that will fit into our distinctive culture. About the role Large Commercial Underwriter II, you are responsible for analyzing and underwriting business for Commercial Lines to meet Combined Ratio and capital metric goals. You will be responsible for a $15-25M book of business while developing a team of Underwriter I's and Underwriter Trainees. You will utilize your underwriting expertise to help determine risk acceptability, pricing, underwriting guidelines, developing positive agency relationships within assigned territories, auditing underwriting files and accounts and improving on underwriting processes. Partnering with other departments and your colleagues, you will provide insights and feedback on ways to further improve and develop the products and services Velocity Risk offers. What you"ll do The core responsibilities of this role are†Analyzing and underwriting a $15-25M book of business to meet capital metric and combined ratio goals Assisting the Senior Underwriter team with accountabilities and achieving business unit goals through high-quality decision making on underwriting and excellent underwriting practices and guidelines. Developing positive producer relationships and fostering pre-existing partnerships. Collaborating with larger Commercial Lines team and other departments to further develop and enhance VRU products and service operations. Manage, train and mentor Underwriting Assistants and provide coaching and mentorship guidance to Underwriter I's. Core Competencies: You will thrive in this position if you have these core capabilities†Communication - superb skills in writing and verbally communicating High attention to Detail - focused and attentive to correct data and pinpointing any inaccurate information quickly and efficiently Highly organized and prioritized - systematic record keeping skills and able to recognize time sensitivity and adapt accordingly Proven capability for confidentiality Qualifications Demonstrated Experience for success in this role†Bachelor's degree (Risk Management or similar) or equivalent industry experience 3+ years of commercial insurance experience Professional insurance designations a plus Proficiency in Microsoft suite (Excel, Word, PowerPoint, Outlook) Velocity Risk provides equal opportunity to everyone, and we do not tolerate discrimination or harassment to anyone. We strive to ensure our employees have the best experience possible! We provide comprehensive and competitive benefits packs for our full-time employees. Medical, Dental, and Vision fully subsidized by Velocity Health Savings Account with employer contributions 401k after 6 months of employment Education and Certification Reimbursement and Bonus programs Paid Time off and company Holidays with floating holidays for flexibility Gym membership reimbursements Volunteer rewards and give-back initiatives In-office lunch provided We are a hybrid team (2 days remote, 3 days in office). Velocity Risk participates in E-Verify. PIae78fe4de3c0-0200

Assistant Underwriter Commercial Insurance Hybrid for King County, Remote available if located in WA, AZ, CA, TX, GA, MT, OR only If you are someone who delivers superior customer service to clients and team members and possesses a positive outlook on everything you (attention to detail, communication and a sense of personal excellence) then you will want to check out this position with a wonderful company. I think they are a pretty great company because they say they train, and they do, they say they promote, and they do. Underwriting Assistant Role within the Company You will be primarily responsible for servicing the day to day needs of a diverse group of commercial lines clients for both new and renewal insurance business, and providing support for underwriters. Responsibilities: Execute new and renewal business, endorsements, cancellations, and reinstatements for agents Perform underwriting file analysis and ensure forms accuracy Issue binders, certificates, endorsements, cancellations, and related activities Issue policies accurately and effectively Coordinate Audit process between carrier and agent Develop relationships with appointed agents or assigned product line Assist agents with questions regarding policies and new submissions Participate in training and programs to increase skill set and industry knowledge Reviewing policies and endorsements to ensure policies clearly reflect the terms and conditions agreed upon Skills: We are looking for someone with Exceptional customer service and relationship building skills Ability to work effectively in a team and individual environment Strong interpersonal skills, good judgment and be capable of communicating with a diverse group of individuals Ability to develop and maintain productive relationships with clients, team members, and co-workers with a focus on timely and accurate exchange of information Detail oriented with initiative and the ability to work independently Self-starter with strong organizational abilities Proficient in the use of computer programs, including Word, Excel, and Outlook. Polished and professional written and verbal communication skills. Background: 2-4 years experience in insurance industry- surplus, commercial lines, or personal lines. The experience can come from a carrier, a wholesale agency, a retail agency, or an exclusive agency. Company Offerings: Salary open to some degree depending on your experience level Casual work environment company offers lots of interactive gatherings and events for their employees Very good benefits package Promotions Company is growing, so that means you will, too Location is the eastside, free parking and ability to do some ride sharing as well. Nice people A company that respects and values their people.

Company Description: At Fannie Mae, futures are made. The inspiring work we do makes an affordable home a reality and a difference in the lives of Americans. Every day offers compelling opportunities to impact the future of the housing industry while being part of an inclusive team thriving in an energizing, flexible environment. Here, you will help lead our industry forward and make your career. Job Description: As a valued colleague on our team, you will contribute with reviewing appraisals and collateral loan documents for quality assurance, misrepresentation, fraud, and adherence to policy requirements. In this position, you will report on collateral quality, collaborate with internal policy and strategy teams, communicate loan defects to stakeholders, work with lenders and internal partners to resolve issues, and provide feedback to the appraisal industry and state licensing agencies. THE IMPACT YOU WILL MAKEThe Residential Review Appraiser role will offer you the flexibility to make each day your own, while working alongside people who care so that you can deliver on the following responsibilities:* Assist with performing forensic reviews on appraisals and relevant loan file documents. Support the team to identify potential risks and ensure compliance with Fannie Mae eligibility requirements using professional judgment and expertise, as well as loan file documentation, such as: internal and external property valuation tools, appraisals, public records, and local authorities. Aid in determining the corresponding impact on value and delivery.* Aid team in preparing defendable repurchase request reports/documentation upon determining a delivery did not meet eligibility requirements noting the specific Fannie Mae Selling Guide violation(s). Support team in working with lenders to resolve complicated repurchase or make whole requests. May assist with investigating lender responses.* Review work for compliance with internal collateral standards and quality assurance and assist the team to analyze and report on loan quality issues.* Communicate professionally with team about deficiencies and areas for improvement.* Collaborate effectively with team to identify lender challenges.Qualifications: THE EXPERIENCE YOU BRING TO THE TEAMMinimum Required Experiences* Certified Real Estate Appraiser with minimum 2 years appraisal or review appraiser experience* Experience in value and eligibility reviews and can independently validate the quality and accuracy of appraisal reports based upon a thorough analysis, professional opinion and sound judgment* Knowledge of Fannie Mae selling guide and ability to determine appraisal compliance* Experience collaborating with internal and external partners exhibiting strong oral and written communication skills * Skilled in using Word and MS Office SuiteDesired Experiences* Bachelor's degree or equivalent* 5 or more years appraisal or review appraiser experience* Ability to use valuation tools to research* Experience using Fannie Mae Collateral Underwriter* Skilled in using Adobe Acrobat including Adobe Pro, Acrobat Reader, Acrobat, and Acrobat.comAdditional Information: REF9675OIn response to COVID-19, Fannie Mae has adapted our workplace and hiring processes to better safeguard our employees, candidates, and new hires. We understand that this is an unprecedented situation and Fannie Mae is committed to creating protocols for these processes that are agile and conform with federal, state, and local health administration guidance. While the company's operating status for on-site work is currently voluntary, the majority of Fannie Mae's workforce is remote until further notice. We continue to conduct all interviews and onboarding virtually. In addition, all employees who wish to come on site must be fully vaccinated against COVID-19 and enter their vaccination information into a confidential HR system before arriving at the facility, unless they have an approved accommodation. Click here to go directly to information about accommodations. The future is what you make it to be. Discover compelling opportunities at careers.fanniemae.com.Fannie Mae is an Equal Opportunity Employer, which means we are committed to fostering a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, religion, national origin, gender, gender identity, sexual orientation, personal appearance, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation in the application process, email us at .

Competitive Salary + Benefits LoanSnap is looking to add a Senior Underwriter to our team.Our Senior Underwriters are responsible for the final approval per mortgage lender guidelines. Key Responsibilities Evaluate the creditworthiness of borrowers to render a final credit decision. This includes but is not limited to the review of credit reports, paystubs, W2s, financial statements, tax returns, asset statements via task-based system. Review appraisals to ensure the report is accurate, complete and the value is supported, and the collateral is acceptable. Recognize when additional field reviews may be necessary to support value. Ensure compliance with appropriate company and investor guidelines. Review file to make sure state and federal regulatory guidelines have been met. Calculate Income for W2, rental cash flow, and Self-Employed borrower types Strong sense of urgency and initiative to get things done Efficient communication and follow-through Requirements 1-3 years mortgage underwriting experience (both QM and non-QM) Comfortable with new technology systems and paperless environment. Knowledge of current mortgage guidelines, loan programs and trends Expert knowledge of Federal level regulations TRID, ATR Direct endorsement with CHUMS, HUD Motivated self-starter who is willing to go the extra mile. Excellent communication skills, and interpersonal skills Strong attention to detail and ability to learn quickly Ability to think outside of the box while exercising sound decision-making Preferences BA/BS degree QM, non-QM, and/or FHA/VA loan experience Appraisal Experience Processing experience Perks Flexible benefits package including 401K matching. Company-paid licensing, continuing education, and employee development programs. Great environment- Covered parking, near The Camp and South Coast Plaza, gourmet coffee bar, music, laughter, and good energy. What Sets Us Apart We realized people were losing billions of dollars to mortgage lenders that were only focusing on interest rates. Thesmart loanwas created to help people stop losing money and own their financial future. Our mission is to improve every American's financial situation. The LoanSnap Standard is rapidly becoming a recognized and desirable movement in industries across the board. It is essential to continue to be a leader in this space by bringing in inspiring, thought-provoking individuals who will not only thrive in this industry-leading company but add to the already flourishing community. That is the LoanSnap Standard. Company Description LoanSnap is a well-funded VC-backed startup that providesmortgage financial solutions through the use of smart loan analysis and a consultative approach tailored to meet each individuals needs. LoanSnap is on a significant growth trajectory with a solid track record and reputable investors. We have concluded a Series A financing roundled byRichard Branson'sVirgin Group,Joe Montana'sLiquid 2 Ventures,True Ventures with Baseline Ventures,Core Innovation Partners,OVO Fund, Thomvest Ventures LoanSnap is an Equal Employment Opportunity and Affirmative Action Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status. Job Type: Full-time Location: Onsite in Costa Mesa, CA. Remote work can be considered. PM20 IND2 PI

Competitive Salary + Benefits LoanSnap is looking to add Sr. Underwriters to our team in Costa Mesa, CA. Our Sr. Underwriters are responsible for pre-qualifying the loan utilizing the lender guidelines for each product group. Ensures the transition point of a loan application to a locked loan. The room for growth in this position has many avenues and candidates from this position are definitely recognized for promotion within underwriting or other Operations Departments. Key Responsibilities Follow guidelines, receive and review loan applications, and ensure accuracy Strong written and verbal communication skills Verify loan-to-value ratios, completeness of application and credit reports Analyze documentation provided by banker and borrower MUST be detail-oriented to maintain accuracy. Interact with quality control, compliance, production, processing, and Disclosure Compliance for problem resolution Strong sense of urgency and initiative to get things done Efficient communication and follow-through Requirements 5+ years of recent underwriting experience Individuals seeking a career-interest to grow and develop in the mortgage industry Preferences BA/BS degree DE and SAR certification Government and Conventional loan experience Appraisal Experience Processing experience Encompass experience Perks Flexible benefits package including 401K matching. Company-paid licensing, continuing education, and employee development programs Great environment- Covered parking, near The Camp and South Coast Plaza, gourmet coffee bar, music, laughter, and good energy What Sets Us Apart The LoanSnap Standard is rapidly becoming a recognized and desirable movement in industries across the board. It is essential to continue to be a leader in this space by bringing in inspiring, thought-provoking individuals who will not only thrive in this industry-leading company but add to the already flourishing community. That is the LoanSnap Standard. Company Description LoanSnap is a well-funded VC-backed startup that provides mortgage financial solutions through the use of smart loan analysis and a consultative approach tailored to meet each individual's needs. LoanSnap is on a significant growth trajectory with a solid track record and reputable investors. We have concluded a Series A financing round led by Richard Branson's Virgin Group, Joe Montana's Liquid 2 Ventures, True Ventures with Baseline Ventures, Core Innovation Partners, OVO Fund, Thomvest Ventures LoanSnap is an Equal Employment Opportunity and Affirmative Action Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status. Job Type: Full-time Salary: Dependent on experience. Location: Onsite in Costa Mesa, CA no remote candidates will be considered . PM20 IND2 PI

Under direct supervision, reviews applications and associated paperwork for good order, conducts suitability review to mitigate risk for new business, reinstatements, and policy changes, within established approval limits that involve minimal complexity, risk, and financial impact. WHAT YOU'LL DO: Under direct supervision, analyzes data related to suitability for all simplified issue life insurance applications, in order to determine what benefits, if any, can be offered, and in order to mitigate financial risk to the company. Reviews and verifies the accuracy and completeness of applications to include premium handling. Is thorough when performing reviews, accurately documents and maintains underwriting files, and ensures the effective use of procedures in accordance with business practices and compliance with state and federal regulations. Communicates effectively with brokers, agencies, and/or other sources concerning outstanding requirements, underwriting decisions, and pre-screen reviews of potential applicants. Communicates effectively with internal and external customers; verbal and written communication is clear, concise and professional; uses appropriate grammar and spelling in written correspondence. Develops and maintains a strong, positive working relationship and rapport with the field force. Delivers an exceptional customer service experience by providing appropriate product/process education and demonstrating a high level of responsiveness and follow-up on commitments. Handles and prioritizes multiple concurrent tasks. Takes ownership of the case handling and facilitates the work flow in a way that is seamless to the customer. Meets or exceeds time service, quality and customer service expectations as defined by management; ensures timely responses to internal and external customers submitted via phone, email, and workflow system. Proactively recognizes problems and works collaboratively to recommend process improvements to enhance customer service, increase efficiency or reduce unnecessary steps/hand-offs. This position requires extensive or prolonged typing/keyboarding. This position is in a fast-paced, high volume environment with set production goals. ABOUT YOU: You help promote a culture of diversity and inclusion within the department and the larger organization. You value different ideas and opinions. You listen courageously and remain curious in all that you do. You are able to work remotely and have access to high-speed internet. Ability to make decisions and justify the decisions with sound and logical reasoning. Strong drive for results, problem solving skills, mathematical aptitude, and attention to detail. Experience working in customer service, ability to collaborate effectively, takes full end to end ownership of assigned work load. Ability to multitask effectively, work under pressure, meet deadline requirements and be flexible to meet changing customer needs. Strong relationship building with internal and external business partners, through effective written and verbal communication. Basic computer skills using various software packages including word-processing, spreadsheet, and electronic mail. VALUABLE EXPERIENCE: Experience working in the insurance or financial industry. Underwriting experience is highly desired. WHAT WE CAN OFFER YOU: A diverse workplace where associates feel a sense of belonging. An organization that feels like a small, close-knit community and has the strength of a Fortune 500 company. Tuition reimbursement, training and career development. Comprehensive benefits plan that includes medical, dental, vision, disability and life insurance. Flexible spending accounts for healthcare and childcare needs. 401(k) plan with a 2% company contribution and 6% company match. Competitive pay with an opportunity for incentives for all associates. Flexible work schedules with a healthy amount of paid time off. For more information regarding available benefits, please visit our Career Site. Minimum: $19.11 MidPoint: $24.61 Maximum: $30.11 Pay commensurate with experience. MUTUAL OF OMAHA: Mutual of Omaha serves more than 4.8 million individual product customers and 39,000 employer groups. Our legacy of stability creates an environment where every associate is encouraged to experiment, innovate and grow in their own unique career path. From day one, youll have the tools to be your best self at work. Here youll do meaningful work and your talents will have a positive impact on peoples lives as we help our customers protect what they care about and achieve their financial goals. Each associate is a unique contributor to creating a diverse, dynamic, thriving and inclusive workplace. We want you to become engaged … feel a sense of belonging … and contribute to the companys exceptional future. Join forces with a company that can AMPLIFY YOUR STRENGTHS AND EMPOWER YOUR CAREER. For inquiries about the position or application process, contact our HR Helpline at 1-. If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at 1-. We are available Monday through Friday 7 am to 4:30 pm CST we will reply within 24 hours. Mutual of Omaha and its affiliates are an Equal Opportunity /Affirmative Action Employer. Qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. To All Recruitment Agencies: We do not accept unsolicited agency resumes and we are not responsible for any fees related to unsolicited resumes.

Mutual of Omaha is looking to add a Senior Underwriter/Underwriting Consultant to our New Business Disability Income team! Under supervision, underwrites medium-sized cases for new and renewal business, add-ons to existing clients, contract revisions, and other policyowner service work within established approval limits that involve an intermediate level of complexity, risk and financial impact. WHAT YOU'LL DO: Analyzes data related to the risk being underwritten for medium-sized cases, with an intermediate level of complexity, in order to determine what benefits, if any, can be offered and at what rates under supervision. Conducts research in order to secure additional data needed to make determinations on benefits and rates. Communicates with policy owners, applicants, brokers, agencies, and/or other sources concerning underwriting decisions and procedures. Assists in the training and mentoring of less experienced underwriters. Performs as a subject matter expert on special projects in the division in support of continuous improvement of processes and systems. Communicates in a clear, concise and professional manner utilizing appropriate grammar and spelling in written correspondence. ABOUT YOU: You help promote a culture of diversity and inclusion within the department and the larger organization. You value different ideas and opinions. You listen courageously and remain curious in all that you do. You are able to work remotely and have access to high-speed internet. Ability to make decisions and justify the decisions with sound and logical reasoning. Attention to detail. Creative problem-solving skills. Strong mathematical aptitude. Financial aptitude for understanding pricing strategies and their potential impact on financial results. Proficient computer skills using various software packages including word-processing, spreadsheet, and electronic mail. Action oriented and customer focused Ability to multitask effectively, work under pressure, meet deadline requirements and be flexible to meet changing customer needs VALUABLE EXPERIENCE: 2 years of Disability Underwriting experience is preferred. WHAT WE CAN OFFER YOU: A diverse workplace where associates feel a sense of belonging. An organization that feels like a small, close-knit community and has the strength of a Fortune 500 company. Tuition reimbursement, training and career development. Comprehensive benefits plan that includes medical, dental, vision, disability and life insurance. Flexible spending accounts for healthcare and childcare needs. 401(k) plan with a 2% company contribution and 6% company match. Competitive pay with an opportunity for incentives for all associates. Flexible work schedules with a healthy amount of paid time off. For more information regarding available benefits, please visit our Career Site. Minimum: $48,426-$95,000 Pay commensurate with experience. MUTUAL OF OMAHA: Mutual of Omaha serves more than 4.8 million individual product customers and 39,000 employer groups. Our legacy of stability creates an environment where every associate is encouraged to experiment, innovate and grow in their own unique career path. From day one, youll have the tools to be your best self at work. Here youll do meaningful work and your talents will have a positive impact on peoples lives as we help our customers protect what they care about and achieve their financial goals. Each associate is a unique contributor to creating a diverse, dynamic, thriving and inclusive workplace. We want you to become engaged … feel a sense of belonging … and contribute to the companys exceptional future. Join forces with a company that can AMPLIFY YOUR STRENGTHS AND EMPOWER YOUR CAREER. For inquiries about the position or application process, contact our HR Helpline at 1-. If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at 1-. We are available Monday through Friday 7 am to 4:30 pm CST we will reply within 24 hours. Mutual of Omaha and its affiliates are an Equal Opportunity /Affirmative Action Employer. Qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. To All Recruitment Agencies: We do not accept unsolicited agency resumes and we are not responsible for any fees related to unsolicited resumes.

Under supervision, underwrites small to medium-sized cases for new and renewal business, add-ons to existing clients, contract revisions, and other policyowner service work within established approval limits that involve an intermediate level of complexity, risk and financial impact. Creates proposal for this business as well as updates data in the appropriate systems. Completes bind processes once received. Underwrites new business cases (10-1000 lives) in accordance with company's risk tolerance levels. Evaluates renewal business and other rate and risk bearing analysis for existing clients within established approval limits. Works all product lines within Special Risks portfolio including, but not limited to: Intercollegiate Sports (ICS), K-12, Catastrophic, Custom, Motorsports, Rodeo, Gymnastics, Jockeys, Mandatory Student Accident (MSA's) and Girl Scouts. WHAT YOU'LL DO: Analyzes data related to the risk being underwritten for 10-1000 lives in order to determine what benefits, if any, can be offered and at what rates in order to mitigate financial risk to the company. Communicates with policy owners, applicants, brokers, agencies, and/or other sources concerning underwriting decisions and procedures. Assures that work is monitored for quantity and quality, and that work improvements in performance and productivity are identified and implemented on a continuous basis. Assists in assuring that objectives, standards, policies, and business plans for the underwriting department are established, implemented, reported and monitored. Provides for technical assistance and training as necessary. Underwrites all cases sizes from 10-500 lives. Conducts research in order to secure additional data needed to make determinations on benefits and rates. Set ups and adjust plan designs in the manual rating system. Works all product lines within the special risk portfolio including, but not limited to products listed above. Assists in completing questionnaires for large case RFP's and partners with law and compliance to complete Communicates with salesforce, brokers, and/or other sources concerning underwriting decisions and procedures Evaluates renewal business and other rate and risk bearing analysis for inforce groups. Maintains current knowledge of underwriting guidelines, pricing guidelines and product knowledge. Consistently meets or exceeds quality of work and time service expectations. Reviews industry publications and stays abreast of Federal, State, and business regulations governing group insurance products. Participates, and may lead, the training and mentoring of new or experienced underwriters. ABOUT YOU: You help promote a culture of diversity and inclusion within the department and the larger organization. You value different ideas and opinions. You listen courageously and remain curious in all that you do. You are able to work remotely and have access to high-speed internet. Underwriting knowledge and expertise. Ability to make decisions and justify the decisions with sound and logical reasoning. Attention to detail. Creative problem-solving skills. Strong mathematical aptitude. Strong relationship building with internal and external business partners. Ability to rely on experience and judgement to plan and accomplish goals. Financial aptitude for understanding pricing strategies and their potential impact on financial results. Confidential and Proprietary Proficient computer skills using various software packages including word-processing, spreadsheet, and electronic mail. Knowledge and experience with group life, disability and dental product lines. Strong business acumen and industry knowledge. Understanding of the laws, rules and regulations which impact employee benefits. Action oriented and customer focused. Strong ability to maintain composure, negotiate and resolve conflicts. Ability to make quality decisions and justify the decisions with sound and logical reasoning as well as high attention to detail. Strong analytical and creative problem-solving skills. Strong mathematical aptitude financial aptitude for understanding pricing strategies and their potential impact on financial results. Familiarity with a variety of Underwriting concepts, practices, and procedures and the ability to creatively apply them. Strong relationship building with internal and external business partners. Ability to effectively communicate verbally and in writing. Strong organizational, time management and prioritization skills. Commitment to active self-development and proactive technical learning. Proficient computer skills using various software packages including word-processing, spreadsheet, and electronic mail. Ability to work in a fast-paced, high volume environment VALUABLE EXPERIENCE: Knowledge and experience with Excel, Sales Database, and JIRA systems. Previous special risk underwriting skills and experience. Bachelor's degree in business, finance, economics, mathematics, and/or related field; or equivalent experience in insurance industry. WHAT WE CAN OFFER YOU: A diverse workplace where associates feel a sense of belonging. An organization that feels like a small, close-knit community and has the strength of a Fortune 500 company. Tuition reimbursement, training and career development. Comprehensive benefits plan that includes medical, dental, vision, disability and life insurance. Flexible spending accounts for healthcare and childcare needs. 401(k) plan with a 2% company contribution and 6% company match. Competitive pay with an opportunity for incentives for all associates. Flexible work schedules with a healthy amount of paid time off. For more information regarding available benefits, please visit our Career Site. Pay range 44,465-87,715 Pay commensurate with experience. circa MUTUAL OF OMAHA: Mutual of Omaha serves more than 4.8 million individual product customers and 39,000 employer groups. Our legacy of stability creates an environment where every associate is encouraged to experiment, innovate and grow in their own unique career path. From day one, youll have the tools to be your best self at work. Here youll do meaningful work and your talents will have a positive impact on peoples lives as we help our customers protect what they care about and achieve their financial goals. Each associate is a unique contributor to creating a diverse, dynamic, thriving and inclusive workplace. We want you to become engaged … feel a sense of belonging … and contribute to the companys exceptional future. Join forces with a company that can AMPLIFY YOUR STRENGTHS AND EMPOWER YOUR CAREER. For inquiries about the position or application process, contact our HR Helpline at 1-. If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at 1-. We are available Monday through Friday 7 am to 4:30 pm CST we will reply within 24 hours. Mutual of Omaha and its affiliates are an Equal Opportunity /Affirmative Action Employer. Qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. To All Recruitment Agencies: We do not accept unsolicited agency resumes and we are not responsible for any fees related to unsolicited resumes.

Are you ready for a new career opportunity with an established insurance industry leader while working from home? As a Life Underwriter you will analyze and assess risk for insurance applicants to make a final decision on life and health insurance applications within established company guidelines. Primary Duties and Responsibilities: Screen life insurance applications Review application data Identify pertinent health and consumer applicant history Review/analyze consumer data and health/medical records Assess and classify risk for insurance applicants Apply underwriting principles to render accurate final decision on life and health insurance applications Required Skills: Motivated individual with strong analytical, critical thinking, decision-making, and time management skills Excellent verbal and written communication skills Strong computer and keyboard skills to include Microsoft Office and the ability to work with multiple systems Ability to work in a fast-paced, high volume environment and meet productivity and quality standards Required Experience: Minimum of 3 years life underwriting experience Use of MIB Coding manual Use of Swiss Re manual or equivalent Medical Terminology Insurance-related coursework (LOMA, ALU, etc.) a plus - provided by Dice

We are a top direct lender out of Southern California who has been in business for over 20 years. We are expanding our wholesale department, and are looking for talented account managers to help process and fund pipelines of loans as we continue to grow exponentially. What You Will Be Doing Processing of wholesale loans- primarily FHA/VA and conventional Assisting with communication from brokers to underwriters and facilitating the process to approval and funding What You Need for this Position Experience With Wholesale Is a Must Wholesale mortgage processing/account management experience. Any experience with government loans is a plus What's In It for You Base for AMs runs $23-$30hr Bonus $50 per funded loan up to 20 loans $100 per funded loan 21+ (retro to first loan) We are a high-volume direct lender. Account managers are regularly bringing in mid-six figure incomes through their base and bonus. This will include full health, dental and vision--- 401k w/match and PTO FULL REMOTE POSITION So, if you are a Wholesale Account Manager with experience, please apply today! Email Your Resume In Word To Looking forward to receiving your resume through our website and going over the position with you. Clicking apply is the best way to apply, but you may also: Please do NOT change the email subject line in any way. You must keep the JobID: linkedin : NB1- -- in the email subject line for your application to be considered.*** Nic Benedetto - Recruiting Manager - Optello Applicants must be authorized to work in the U.S. Optello is proud to be an Equal Opportunity Employer All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, or any other characteristic protected by law. Your Right to Work - In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hire. Optello will consider for Employment in the City of Los Angeles qualified Applicants with Criminal Histories in a manner consistent with the requirements of the Los Angeles Fair Chance Initiative for Hiring (Ban the Box) Ordinance.

8834 Visium Resources has been asked to identify candidates for the following Insurance Customer Service position, located in the Daytona Beach area. This position will be a support position, working with a veteran agent to assist with correspondence, quotes and customer service to B2B customers. Previous insurance experience of 3-5 years would be ideal. Position would preferably be in-office however there is some possibility of an experienced candidate working remotely after training. The offices are open although customer traffic in office is severely restricted at this time. PRIMARY FUNCTIONS: 1. Provide prompt, accurate, courteous service to customers, producers and company personnel. 2. Grow and develop talents and insurance knowledge to highest level possible. 3. Provide, with a positive attitude, a high level of support in obtaining, maintaining, expanding and servicing commercial accounts. MAJOR RESPONSIBILITIES 1. Service Commercial Lines accounts as assigned and aid in collections. 2. Collect premiums per established agency procedures. 3. At the direction of producer, prepare company submissions for new business quotes and prepare proposals of insurance for new Commercial Lines clients, including visits to clients with producer when requested. 4. Initiate, screen and prepare endorsement requests for Commercial Lines clients. 5. Prepare and process cancellations when required. 6. Prepare and process all requests for certificates of insurance as required within 24 hours of request. 7. Review all applications, policies, endorsements and audits for accuracy. 8. Setup and prepare new account files per agency procedures. 9. Invoice all premium bearing transactions. 10. Notify producer of any unpaid audits and request appropriate actions be made according to agency collections procedure. 11. Prepare account summaries as required. 12. Prepare ID cards, evidence of property, certificates, binders, and/or obtain underwriter approval on manuscript endorsements. 13. Deliver policies, and related documents to insureds as needed. 14. Maintain suspense items in a timely manner. 15. Prepare expired policies for filing in dead files. 16. Keep current on rates, forms and coverage changes through circulars, bulletins, trade publications, seminars and schools offered. 17. Participate in seminars and classes for skill and knowledge development. 18. Maintain all client activity in the agency automation system. 19. Service commercial lines accounts in a manner to eliminate gaps in coverage, thus reducing our E&O exposures. 20. Prioritize work load and/or request for assistance as required. 21. Assist other agency departments in securing and/or providing information necessary to issue appropriate policies in their department for which we have a mutual client. 22. Meet with clients to discuss and handle their insurance needs. 23. Assist prospects/insureds until a producer is available. 24. Assist with customer cliams. 25. Keep producers fully informed of all important activities on their accounts. 26. Obtain expiration dates for policies not written by us to follow-up on and quote. 27. Assist other departments and producers in cross selling and account rounding. 28. Immediately report all malfunctions of system software to the systems manager. 29. Assume other job responsibilities as assigned by producer or department manager. QUALIFICATIONS 1. Education requirement: college degree preferred. High school diploma or equivalent is required. 2. Professional designation is a plus. 3. Knowledge of computer systems and operations is desirable. 4. Good listening skills and attention to detail are important. 5. Knowledge of commercial insurance and products is desirable Candidate should have 4-40 license and 2-20 would be ideal. (Assistance will be provided to obtain the 220, if candidate does not currently have). Strong communication skills Strong computer proficiency