NewSenior Underwriter - Agency | Non-Agency JobotSenior Underwriter - Agency | Non-AgencyQueens, NY$100,000–$120,000 / yearWe are a fast-growing, nationwide residential direct mortgage lender licensed in 49 states, specializing in a broad range of mortgage solutions including Prime Jumbo, Non-QM, DSCR (rental cash flow), and Agency loans. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
Insurance Underwriter Diedre Moire Corp.Insurance UnderwriterNewark, NJ$100,000–$300,000 / yearFull timeCONSIDERED EXPERIENCE INCLUDES: Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter #DiedreMoire #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting #InsuranceJobs #UnderwriterJobs. Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter Personal Care Services Massage Tattoo Piercing Nails Gyms _ .
Senior Legal Counsel Page Group USASenior Legal CounselNew York, NY$265,000–$305,000 / yearFull timeExperience representing underwriters, issuers, sponsors and/ or managers in a wide range of CMBS, RMBS, CLO, consumer loans and other asset-backed financings, consisting of registered public offerings, exempt transactions and cross border offerings. Familiarity with broker-dealer regulation, Dodd Frank, Reg AB, CFPB, state and federal regulations impacting various fixed income and derivative products and asset classes (RMBS, CMBS, CLO, consumer loans, CDS, ABS, TRS, etc.).
First Mortgage Underwriter Bethpage Federal Credit UnionFirst Mortgage UnderwriterBethpage, NYRemote$40.42–$48.50 / hourSome of our recent recognitions include Certified Great Place to Work 2024-2025, America's Greatest Midsize Workplaces 2025, Quantum Workplace Employee Voice Award 2024, and Fortune's Best Workplaces in Financial Services & Insurance 2024. Review and underwrite residential mortgage loan applications, including government, conventional, equity, and portfolio loans, in accordance with investor, regulatory, and Credit Unions guidelines.
Mortgage Underwriter Workers Credit UnionMortgage UnderwriterNYRemote$72,072.62–$90,090.83 / yearActual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. Today, as a $2.5B organization serving over 120,000 members, we continue to evolve, thoughtfully blending personal connection with modern capabilities to better support our members in the moments that matter most.
Commercial Mortgage Processor / Junior Underwriter Blackbird RecruitingCommercial Mortgage Processor / Junior UnderwriterBrooklyn, New YorkA growing commercial mortgage brokerage in Williamsburg is seeking a strong Processor / Underwriter hybrid to support deal flow from application through closing. We’re looking for someone who understands commercial real estate financing and can think through a file — not just push paper.
Officer - Senior Underwriter 4 - Mortgages (Hybrid) Citigroup IncOfficer - Senior Underwriter 4 - Mortgages (Hybrid)NY$89,010–$124,190 / yearAppropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Interfaces directly with all levels of internal originations and credit policy staff, as well as external customers (Correspondent lenders) to maintain excellent customer service while ensuring the quality/integrity of loans purchased/underwritten by CMI.
Non-QM Underwriter Onity Group IncNon-QM UnderwriterNY$90,000–$105,000 / yearOnity Group Inc. is a leading non-bank financial services company providing mortgage servicing and originations solutions through its subsidiary, Onity Mortgage, formerly known as PHH Mortgage. The Non-QM Mortgage Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.
Transactional Commercial Surety Underwriter Skyward Specialty Insurance Group IncTransactional Commercial Surety UnderwriterNYRemote$90,000–$130,000 / yearEvaluate and underwrite transactional commercial surety submissions, including but not limited to motor vehicle dealer (MVD), license & permit, subdivision, court, contract-related transactional, mortgage broker, and specialty bonds. The Transactional Commercial Surety Underwriter is responsible for underwriting, pricing, and managing a portfolio of transactional surety business across a broad range of bond types nationwide.
Jumbo Underwriter Redwood Trust IncJumbo UnderwriterNYRemote$100,000–$120,000 / yearThe Senior Underwriter requires expert jumbo mortgage underwriting and credit risk knowledge, clear communication skills, consistently outstanding client service, and proven problem solving and decision-making skills. The successful candidate must have a high level of interaction with internal parties (trading, sales, legal and compliance, structured finance) and external parties (Sellers, 3rd party service providers).
Tax Underwriter, Renewable Energy kWh Analytics IncTax Underwriter, Renewable EnergyNYRemote$180,000–$250,000 / yearOur proprietary database of 300,000+ zero-carbon projects and $150B in loss data supports advanced modeling, insights, and precise risk assessment for renewable energy, mixed energy, and low-carbon projects. You will have access to kWh Analytics proprietary renewable energy data platform and AI-enabled underwriting tools and also benefit from collaborating with a team of renewable energy finance veterans with deep expertise in the risks youll be underwriting.
Underwriter or Underwriting Specialist - Large Property Zurich Insurance Group LtdUnderwriter or Underwriting Specialist - Large PropertyNY$74,900–$155,100 / yearSpecifically, you will underwrite and analyze new and renewal Large Property business utilizing the Zurich Way of Underwriting Framework within delegated authority levels on assignments of higher technical complexity ensuring a high-level service to customers. In this role you will be responsible for: Serving as a customer industry advocate with a focus on improving the customer experience by understanding their risk and offering the best end to end solution for their insurance needs.
Tax Underwriter, Renewable Energy kWh AnalyticsTax Underwriter, Renewable EnergyNew York, NYRemoteFull timeOur proprietary database of 300,000+ zero-carbon projects and $150B in loss data supports advanced modeling, insights, and precise risk assessment for renewable energy, mixed energy, and low-carbon projects. You will have access to kWh Analytics' proprietary renewable energy data platform and AI-enabled underwriting tools and also benefit from collaborating with a team of renewable energy finance veterans with deep expertise in the risks you'll be underwriting.
NewNational Commercial Title Underwriter (Remote U.S.) Gables Search GroupNational Commercial Title Underwriter (Remote U.S.)New York, NYRemote$112,500–$198,150 / yearThis fully remote role offers the opportunity to work on complex commercial real estate transactions, providing underwriting guidance, risk assessment, and strategic support to internal stakeholders and clients across the country. 5-7+ years of substantive experience in national commercial services (NCS) title insurance underwriting or comparable commercial real estate experience in a law firm setting.
NewSenior Commercial Underwriter Bethpage Federal Credit UnionSenior Commercial UnderwriterBethpage, NY$106,391–$127,669 / yearSome of our recent recognitions include Certified Great Place to Work 2024-2025, America's Greatest Midsize Workplaces 2025, Quantum Workplace Employee Voice Award 2024, and Fortune's Best Workplaces in Financial Services & Insurance 2024. Prepare detailed credit approval memos (CAMs) to be reviewed by department AVP and FourLeaf credit committee, ensuring adherence to FourLeaf lending guidelines and including full analysis of property occupancy, cash flow, market outlook, guarantor strength, potential risks and mitigating factors.
Field Underwriter | Remote Spieldenner Financial GroupField Underwriter | RemoteNewark, NJRemoteSpieldenner Financial Group is expanding and looking for driven, self-starting individuals who want to build a meaningful career while helping families protect what matters most—their income. Your level of success will depend on factors including your effort, ability to follow training and systems, engagement with leads, and client needs in your area.
NewUnderwriter, Insurance Hub International LtdUnderwriter, InsuranceBerkeley Heights, NJ$65,000–$75,000 / yearSpecialty Program Group offers access to capital and investment, deep carrier relationships, creative thinking, product development and broad distribution, while allowing our businesses to maintain the essence of what makes them successful. Compensation: The expected salary range for this position is $65,000 to $75,000 and will be impacted by factors such as the successful candidate's skills, experience and working location, as well as the specific position's business line, scope and level.
NewUnderwriter, Insurance Hub International InsuranceUnderwriter, InsuranceBerkeley Heights, New JerseySpecialty Program Group offers access to capital and investment, deep carrier relationships, creative thinking, product development and broad distribution, while allowing our businesses to maintain the essence of what makes them successful. The expected salary range for this position is $65,000 to $75,000 and will be impacted by factors such as the successful candidate’s skills, experience and working location, as well as the specific position’s business line, scope and level.
Specialty Finance Senior Underwriter - Healthcare Lending Dime Community Bancshares, Inc.Specialty Finance Senior Underwriter - Healthcare LendingNew York, NY$170,000–$190,000 / yearResponsibilities: Provide unbiased, objective, and thorough underwriting analysis for new and existing credit proposals, including owner-occupied commercial real estate, business term loans and acquisitions, debt consolidation, lines of credit, standby letters of credit and loan participations/syndications for healthcare clients. The role also determines the Borrower's ability to repay loans and lines of credit including those used to provide working capital for businesses, owner-occupied mortgages, term financing for business and/or equipment acquisition as well as letters of credit.
NewNational Commercial Title Underwriter (Remote U.S.) Pernini Recruiting CompanyNational Commercial Title Underwriter (Remote U.S.)New York, NYRemote$112,500–$198,150 / yearThis fully remote role offers the opportunity to work on complex commercial real estate transactions, providing underwriting guidance, risk assessment, and strategic support to internal stakeholders and clients across the country. 5-7+ years of substantive experience in national commercial services (NCS) title insurance underwriting or comparable commercial real estate experience in a law firm setting.
Non-QM Senior Underwriter (Aspire) Redwood Trust IncNon-QM Senior Underwriter (Aspire)NYRemote$92,000–$120,000 / yearPosition Summary The position requires expert mortgage underwriting and credit knowledge, clear communication skills, consistently outstanding client service, and proven problem-solving and decision-making skills. The successful candidate must have a high level of interaction with internal parties (trading, sales, legal and compliance, structured finance) and external parties (Sellers, 3rd party service providers).
Director/Sr. Director, Commercial Mortgage Originations New York Life Insurance CoDirector/Sr. Director, Commercial Mortgage OriginationsNew York, NY$170,000–$260,000 / yearOver the past five years, the Northeastern Regional Office has originated nearly $8 billion of fixed and floating rate mortgages on a variety of properties, working with top tier owners, developers, investment advisors, pension funds, private equity firms, and mortgage brokers. Leveraging more than a century of real estate investment experience, New York Life Real Estate Investors ("REI") believes that investment principles which incorporate sustainability best practices promote favorable relative returns for our clients over the long term.
ReinsuranceTreaty Underwriter General Placement ServiceReinsuranceTreaty UnderwriterStamford, CTThey seek to hire a Property Underwriter to assess, underwrite, and price new & renewal business. Asses and price property business including both commercial and personal lines risks.
Underwriter - GSE Merchants Bank of IndianaUnderwriter - GSENY$145,000–$170,000 / yearCoordinate and manage communication with internal Merchants staff including the Review Underwriter, originations and closings team; Agency; third party vendors, including but not limited to, the appraiser, engineer and environmental consultant; Merchants legal counsel; insurance consultant; borrower and any others that are pertinent to the success of the transaction. Our licenses with Fannie Mae, Freddie Mac, and HUD/FHA, in addition to our bank's balance sheet products, allow us to offer custom solutions with agility and ease of execution, expanding access to housing in meaningful and impactful ways.
Underwriter - Brick City Capital Leverage CompaniesUnderwriter - Brick City CapitalNewark, New JerseyThis role involves reviewing new loan files, issuing underwriting conditions, coordinating with third-party reviewers, and assisting in post-close conditions for loan sales. The ideal candidate will have strong analytical skills, a keen eye for risk assessment, and a continuous improvement mindset to enhance underwriting and loan processing efficiency.
Lead Commercial Lines Underwriter Berkshire Hathaway GUARD Insurance CompaniesLead Commercial Lines UnderwriterNJ$60,000–$125,000 / yearWork closely with distribution partners and agency relationships, applying underwriting judgment and market awareness to support thoughtful growth within your assigned authority. Good things are happening at Berkshire Hathaway GUARD Insurance Companies-an A+ (Superior) rated, nationwide Property & Casualty insurer backed by Berkshire Hathaway.
Property Treaty Underwriter General Re CorporationProperty Treaty UnderwriterStamford, CTHands-on experience assessing and pricing per-risk property business, including personal, commercial, and industrial risks, with the ability to assess large risks and attritional loss exposure. The Treaty Underwriter's primary responsibility is to assess, underwrite, price and structure new and renewal treaty business consistent with General Re's risk appetite and profit margin expectations.
Mortgage Loan Officer (New York, NY) Tomo MortgageMortgage Loan Officer (New York, NY)New York City, New YorkTomo is seeking mortgage loan officers (Loan Advisors) that meet the above criteria to help evolve the home buying experience into a customer-centric, streamlined, tech driven process and re-write the playbook for others to follow. Backed by top-tier venture investors, including Ribbit, Citi Ventures, NFX and Progressive Insurance, Tomo is poised to become one of the most valuable fintech startups of our generation.
Senior Underwriter - Artisan E&S HCC Life Insurance CompanySenior Underwriter - Artisan E&SNJ$94,200–$164,300 / yearTokio Marine HCC, a global power in the specialty insurance industry, is seeking a Senior Underwriter with Artisan E&S experience that has a passion for organization, problem solving, mindfulness, and a drive to learn and grow with a world leading company in a unique industry. Studies toward attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area.
Commercial Loan Underwriter Chino Commercial BancorpCommercial Loan UnderwriterNY$25–$50 / hourAssists in the supervision of the Bank's special assets area in curing weak credits, collection of such credits, or the movement of such undesirable credits; assists in the compilation of loan status reports and implementing respective loan action plans; prepares a report re-aging the status of the Bank's special assets for submittal to the Board of Directors for review. • Advanced math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
Non-Agency Underwriter CrossCountry Mortgage LLCNon-Agency UnderwriterNY$43.26–$48.07 / hourCommunicate and engage proactively with loan originators, processors, branch managers, funders and post-closers in regard to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios. CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico.
Construction Underwriter CrossCountry Mortgage LLCConstruction UnderwriterNY$43.26–$48.07 / hourCrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation.
Real Estate Underwriter ABConsulting BK NYCReal Estate UnderwriterLawrence, New YorkThis role focuses on analyzing commercial real estate investments, building financial models, and evaluating complex deals across multiple asset classes. • Experience in commercial real estate private equity, debt funds, investment banking, or commercial real estate lending preferred.
Senior Underwriter, Property Large Commercial (East Zone) AXA SASenior Underwriter, Property Large Commercial (East Zone)NY$107,600–$209,100 / yearYour key tasks include: underwriting business within the agreed business plan and individual authority; supporting the business planning and forecasting process; monitoring financial exposure within outlined limits; monitoring premium income to ensure it remains within set limits; maintaining awareness of all claims advised while supporting and providing input on settlement of claims; ensuring adequate reinsurance acquired to cover specific risks; building and maintaining relationships with brokers and clients; supporting the design and structure of risks. By combining a comprehensive and efficient capital platform, data-driven insights, leading technology, and the best talent in an agile and inclusive workspace, empowered to deliver top client service across all our lines of business property, casualty, professional, financial lines and specialty.
Commercial Real Estate Underwriter/ Credit Products Portfolio Manager Sr. Flagstar Bank NACommercial Real Estate Underwriter/ Credit Products Portfolio Manager Sr.Hicksville, NY$106,024–$165,862 / yearAs relevant for the supported line of business, well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients. Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.
Middle Market Property Underwriter - Multiple US Locations Marsh & McLennan Companies IncMiddle Market Property Underwriter - Multiple US LocationsNY$88,200–$187,900 / yearWhat you need to have: High School Diploma or equivalent required, with a minimum of 7 years of progressive underwriting experience in middle market property insurance; experience in insurance, business, or a related field is preferred, or equivalent work experience will be considered. Founded in 1998 and based in Broomfield, Colorado, ICAT is a subsidiary of Victor and a leading provider of property insurance protection to homeowners and businesses located in hurricane- and earthquake-exposed regions of the United States.
NewSenior Underwriter, High Net Worth Tailored Lending Royal Bank of CanadaSenior Underwriter, High Net Worth Tailored LendingNew York, New YorkYou will support other members of Tailored Lending underwriting team as well as RBC’s US HNW Tailored Lending Bankers and Financial Advisors by pre-screening proposed credit facilities and reviewing ‘flash terms” and term sheets to ensure they are aligned with the firm’s credit policies, risk appetite, and risk framework. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities.
NewLead Underwriter, Property Cedant Facultative Reinsurance, North America SCOR SELead Underwriter, Property Cedant Facultative Reinsurance, North AmericaNew York, NY$290,000–$390,000 / yearWithin this role, you are responsible for SCORs facultative property reinsurance offering, across the United States, developing and strengthening relationships with cedants and brokers and collaborating internally with peers and counterparts in the global SCOR organization. Portfolio Optimisation - Manage and renew an existing portfolio of facultative deals currently in place, assessing placements against our risk profile, identify exposures and optimize capacity allocation.
Senior Underwriter Middle Market Property Starr International Co IncSenior Underwriter Middle Market PropertyNY$135,000–$150,000 / yearThe wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets: experience and training: licensure and certifications: and other business and organizational needs. At Starr, youll work in an entrepreneurial culture alongside accessible leaders, leveraging our financial strength and vast industry experience to deliver solutions for our clients, no matter how complex.
NewVP - Sr. Underwriter Property, Cedant Facultative Reinsurance, SCOR SEVP - Sr. Underwriter Property, Cedant Facultative Reinsurance,New York, NY$225,000–$304,000 / yearWithin this role, you play a key role in SCORs facultative property reinsurance offering, across the United States, developing and strengthening relationships with cedants and brokers and collaborating internally with peers and counterparts in the global SCOR organisation. Working at SCOR means engaging with some of the best minds in the industry - actuaries, data scientists, underwriters, risk modelers, engineers, and many others - as we work together to find solutions to pressing challenges facing societies.
Underwriter, Property Facultative Arch Capital Group LtdUnderwriter, Property FacultativeNY$150,000–$205,000 / yearTotal individual compensation (base salary, short & long-term incentives) offered will take into account a number of factors including but not limited to geographic location, scope & responsibilities of the role, qualifications, talent availability & specialization as well as business needs. With a company culture rooted in collaboration, expertise and innovation, we aim to promote progress and inspire our clients, employees, investors and communities to achieve their greatest potential.
Credit Underwriter II-CRE/Community Development Banking Bank of America CorpCredit Underwriter II-CRE/Community Development BankingNew York, NY$103,000–$141,000 / yearThis role is responsible for leading complex credit underwriting, structuring, and approval of investments and loans that drive affordable housing, economic development, and impact investing outcomes across the U.S.Responsible for partnering with credit risk management, capital markets, and community development, partnering closely with originations, capital markets, portfolio management, and senior credit leadership to deliver high-quality, well-structured transactions aligned with the bank's risk appetite and strategic priorities. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve Massachusetts pay and benefits information Massachusetts pay range: $103,000.00 - $141,000.00 annualized salary, offers to be determined based on experience, education and skill set.
Senior Underwriter, Property Facultative Arch Capital Group LtdSenior Underwriter, Property FacultativeNY$200,000–$271,000 / yearTotal individual compensation (base salary, short & long-term incentives) offered will take into account a number of factors including but not limited to geographic location, scope & responsibilities of the role, qualifications, talent availability & specialization as well as business needs. With a company culture rooted in collaboration, expertise and innovation, we aim to promote progress and inspire our clients, employees, investors and communities to achieve their greatest potential.
Senior Property Underwriter Coaction Specialty Insurance Group IncSenior Property UnderwriterNJYou thrive in an entrepreneurial role, where hard work, rolling up your sleeves, grit and determination come naturally, and producing great results is your primary motivator. If your application is selected, you will receive an email directly from the Coaction Recruiting Team at coaction@myworkday.com asking you to contact a member of the Coaction Recruiting Team.
Real Estate Lending Underwriter SimpleCITIReal Estate Lending UnderwriterGarden City South, NYWe focus on core business-purpose lending including DSCR, residential transition, bridge, fix-and-flip, ground-up construction, multi-property and blanket structures, and small development projects, backed by institutional capital, with plans to continue expanding our product and capital access. SimpleCREDIT is a growing private lender, based in Garden City, NY, built for credit professionals who want to underwrite real deals across the investment property and transitional lending space.
Senior Property Underwriter Coaction Specialty Insurance GroupSenior Property UnderwriterMorristown, New JerseyYou thrive in an entrepreneurial role, where hard work, rolling up your sleeves, grit and determination come naturally, and producing great results is your primary motivator. Strong track record of solving complex problems, designing creative strategies, and delivering significant impact as a manager and a leader.
Binding Authority Underwriter Ryan Specialty Holdings IncBinding Authority UnderwriterNYThe Binding Authority Underwriter is responsible for developing and maintaining the book of business by assessing and analyzing insurance risks, determining coverage terms as per binding authority underwriting guidelines and building relationships with internal and external stakeholders. Job Responsibilities: Review and authorize complex new business submissions and renewal risks submitted by brokers, including analysis of historical performance and overall risk quality.
Property and Casualty Underwriter Ryan Specialty Holdings IncProperty and Casualty UnderwriterNY$82,000–$102,500 / yearMaintains existing broker relationships and collaborates across teams to manage production activities such as submissions, quotes, declines, binds, issuance to provide accurate, timely, and quality service to clients. The role assesses risks associated with insuring properties and liabilities, evaluates applications, analyzes data, and determines coverage terms and premiums to ensure sound underwriting decisions.
Production Underwriter Ryan Specialty Holdings IncProduction UnderwriterNY$96,000–$120,000 / yearMaintains existing broker relationships and collaborates across teams to manage production activities such as submissions, quotes, declines, binds, issuance to provide accurate, timely, and quality service to clients. The role assesses risks associated with insuring properties and liabilities, evaluates applications, analyzes data, and determines coverage terms and premiums to ensure sound underwriting decisions.
Senior Credit Underwriter World Business Lenders, LLCSenior Credit UnderwriterNew York, NYRemoteAt World Business Lenders (WBL), we provide flexible, short-term commercial loans backed by real estate to help small and medium-sized businesses across the United States — particularly those facing difficulties with traditional financing. In addition to underwriting, the role oversees underwriting teams, mentors junior underwriters, drives process improvements, and collaborates cross-functionally to improve credit quality, operational efficiency, and funded loan volume.