Mortgage Loan Officer - Underwriting Background Preferred Generations Home LoansMortgage Loan Officer - Underwriting Background PreferredSouth Jordan, UT$100,000–$300,000 / yearYou will help buyers understand their financing options, identify practical paths forward, and provide real estate partners with thoughtful scenario guidance rooted in strong technical mortgage knowledge. DESCRIPTION: Generations Home Loans is seeking licensed or license-ready mortgage professionals with underwriting experience who are interested in moving into a production-focused Mortgage Loan Officer role.
Underwriting Account Manager (Sandy, Utah) WCF InsuranceUnderwriting Account Manager (Sandy, Utah)Sandy, UT$24.50–$27 / hourFull timeWCF Insurance, an "A" rated carrier growing throughout the western states, has an immediate opening for an Underwriting Account Manger to join the Underwriting Support team at our Sandy, Utah headquarters. Support assigned data analysts and underwriters in the process of receiving, reviewing, documenting, and servicing business to enhance underwriter productivity and provide excellent customer service.
Underwriting Assistant Trean Insurance Group IncUnderwriting AssistantSalt Lake City, UT$21–$25 / hourThis role is essential in ensuring timely, informed underwriting decisions by assisting with submission intake, rating processes, and file preparation. The Underwriting Assistant works closely with agents and internal departments to ensure accuracy and compliance throughout the policy lifecycle.
Underwriting Specialist - Hybrid Selective Insurance Group IncUnderwriting Specialist - HybridUT$92,000–$115,000 / yearSelectives unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work in 2025 for the sixth consecutive year. Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life.
Associate Director - Life Underwriting Corebridge Financial IncAssociate Director - Life UnderwritingUT$118,000–$128,000 / yearWe align to a set of Values that are the core pillars that define our culture and help bring our brand purpose to life: • We are stronger as one: We collaborate across the enterprise, scale what works and act decisively for our customers and partners. Underwriting team members interact frequently with our customers and therefore the role requires a customer centric and relationship focused attitude, excellent communication skills as well as accountability for accurate and prompt processing.
Commercial Surety - Manager, Underwriting Specialty (Remote) The Hanover Insurance Group IncCommercial Surety - Manager, Underwriting Specialty (Remote)UTRemoteThis role is ideal for a relationship-driven professional who enjoys developing agency partnerships, identifying growth opportunities, and delivering tailored surety solutions that drive profitable results and is focused on Small Commercial Accounts and Transactional Surety. This role is responsible for evaluating current and future staffing needs and providing the leadership, coaching, and development necessary to build and sustain a high‑performing team that supports business objectives across the West region.
Senior Mortgage Underwriter - (Remote) Zions Bancorporation NASenior Mortgage Underwriter - (Remote)Salt Lake City, UTRemote$39.56–$58.03 / hourAnalyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness. Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA).
Senior Mortgage Underwriter - (Remote) California Bank & TrustSenior Mortgage Underwriter - (Remote)Salt Lake City, UTRemote$39.56–$58.03 / hourAnalyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness. Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA).
Senior Mortgage Underwriter - (Remote) National Bank of ArizonaSenior Mortgage Underwriter - (Remote)Salt Lake City, UTRemote$39.56–$58.03 / hourAnalyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness. Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA).
Mortgage Auditor Underwriter (Full Time, Hybrid) MetaSource, LLCMortgage Auditor Underwriter (Full Time, Hybrid)Draper, UTAuditors are expected to review multiple files containing numerous loan documents and conditions while working with numerous lenders to perfect a loan for purchase by the end investor. The Mortgage Auditor Underwriter requires the ability to review loans with an eye for detail in order to validate the accuracy of the loan information and ensuring that Agency/Investor guidelines have been met.
Commercial Auto Underwriter Safepoint MGACommercial Auto UnderwriterSalt Lake City, UtahReview new business submissions and key risk factors for Commercial Auto, such as driver history, vehicle usage, and operational exposures, to determine acceptability and pricing. We recognize that talented professionals are attracted to companies that provide a great place to work, combined with a comprehensive and competitive pay and benefits package, along with opportunities for personal growth and job advancement.
Commercial Auto Underwriter Safepoint MGA, LLCCommercial Auto UnderwriterSalt Lake City, UTFull timeReview new business submissions and key risk factors for Commercial Auto, such as driver history, vehicle usage, and operational exposures, to determine acceptability and pricing. We recognize that talented professionals are attracted to companies that provide a great place to work, combined with a comprehensive and competitive pay and benefits package, along with opportunities for personal growth and job advancement.
Vice President- Underwriter, Servicing Berkadia Proprietary Holding LLCVice President- Underwriter, ServicingSalt Lake City, UTThis role involves personally handling or overseeing the underwriting of complex and high-profile transactions, as well as routine matters, while managing the entire Lender consent process both internally and externally. The Vice President - Underwriter, Servicing is responsible for processing various Borrower consents within Berkadia''s Servicing portfolio, including assumptions, ownership transfers, modifications, and collateral changes.
Underwriter Auto-Owners Insurance GroupUnderwriterDraper, UTThis job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to: Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
NewExecutive Underwriter - Middle Market Construction Liberty Mutual Holding Company IncExecutive Underwriter - Middle Market ConstructionSalt Lake City, UTRisk Selection: Reviews, rates, underwrites, evaluates, or assesses the business applying for insurance by qualifying accounts, identifying, selecting and assessing risks, determining the premium, policy terms and conditions, obtaining approvals, creating/presenting the proposal to the agent/broker, and successfully negotiating deals. Portfolio Management: Manages a sizable and complex book of business by analyzing the portfolio, identifying areas of opportunity for improved growth, profit and diversification, and executing marketing plans to increase market share by making marketing calls to preferred brokers to market and cross market.
Underwriter - New Business ParetoHealthUnderwriter - New BusinessSalt Lake City, UTWe will not ask you to provide personal or financial information, including, but not limited to, your social security number, online account passwords, credit card numbers, passport information, and other related banking information until we begin onboarding activities, which will be coordinated by a member of the ParetoHealth People Ops Team with an @paretohealth.com email address. California Applicants : See Pareto's CCPA Notice of Collection for California Employees and Applicants for information about how Pareto Captive Services, LLC, Pareto Health, LLC, and Pareto Underwriting Partners, LLC, together with their respective subsidiaries (collectively, "Pareto") collects and uses personal information submitted by employment applicants.
Underwriter Auto-Owners Insurance CompanyUnderwriterDraper, UtahThis job includes training and development through completion of the Company’s underwriter training program for the assigned line of insurance and requires the person to: Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
Associate Underwriter Burns & WilcoxAssociate UnderwriterSalt Lake City, UT$60,000–$80,000 / yearBurns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Our Associate Underwriters underwrite and supervise a portion of an Underwriter’s book of business, support renewal and new business development, and have the opportunity to achieve full underwriting authority.
Associate Underwriter H.W. Kaufman Financial Group, Inc.Associate UnderwriterSalt Lake City, UT$60,000–$80,000 / yearOur Associate Underwriters underwrite and supervise a portion of an Underwriters book of business, support renewal and new business development, and have the opportunity to achieve full underwriting authority. Burns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide.
SBA Underwriter - Midvale, UT (In Office) Zions Bancorporation NASBA Underwriter - Midvale, UT (In Office)Midvale, UTRequired Qualifications: Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience. The ideal candidate for the SBA Underwriter position will have the skills and experience necessary to: Underwrite SBA guaranteed loan products, primarily 7a, Express, and 504 loans ensuring adherence to SBA SOP, bank policies, banking regulations and laws.
Underwriter - Energy, Infrastructure, & Project Finance Celtic BankUnderwriter - Energy, Infrastructure, & Project FinanceSalt Lake City, UTCeltic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. The Energy, Infrastructure, & Project Finance underwriter is responsible for leading all aspects of the underwriting process for complex energy, infrastructure, and project finance loans and investments, including Shared National Credits (SNC).
Senior Underwriter WCF InsuranceSenior UnderwriterSandy, UT$80,000–$100,000 / yearFull timeWCF Insurance, an "A" rated carrier growing throughout the western states, has an immediate opening for a Senior Underwriter on the Middle Market team. Perform quantitative and qualitative risk analysis to form an underwriting assessment of accounts, underwrite new and renewal accounts.
NewCommercial/Business Banking Underwriter - Midvale, UT (In Office) Zions Bancorporation NACommercial/Business Banking Underwriter - Midvale, UT (In Office)Midvale, UTThe ideal candidate for the Commercial Small Business Banking Underwriter position will have the skills and experience necessary to: Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data. Qualifications: Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience.
Underwriter I - Lead Cambia Health Solutions IncUnderwriter I - LeadSalt Lake City, UTAnswers questions regarding the basic factors used in developing rates, (group size, type of benefits, age/gender composition, large claims, experience provided from the prior carrier, current rates). Oregon, Washington, Utah, and Idaho: The expected hiring range for a Underwriter III is $84,150.00 - $113,850.00, the current full salary range for this role is $79,000 to $129,000.00 and the bonus target for this position is 10%.
Underwriter ArivoUnderwriterWest Valley, UtahPassed most recent Training Decision Audits for the last X applications reviewed “Passing” score & number of applications is outlined in the Policy audits & decision audits Program (LINK). Passed most recent Lending Policy Audits for the last X applications reviewed “Passing” score & number of applications is outlined in the Policy audits & decision audits Program (LINK).
Senior Underwriter ArivoSenior UnderwriterWest Valley, UtahPassed most recent Training Decision Audits for the last X applications reviewed “Passing” score & number of applications is outlined in the Policy audits & decision audits Program (LINK). Passed most recent Lending Policy Audits for the last X applications reviewed “Passing” score & number of applications is outlined in the Policy audits & decision audits Program (LINK).
Construction Surety Underwriter / Financial Analyst (Associate Account Executive) The Travelers Companies IncConstruction Surety Underwriter / Financial Analyst (Associate Account Executive)Salt Lake City, UT$70,400–$116,200 / yearFoster and maintain relationships with external partners by regularly meeting in person with agents and brokers to market and sell Travelers products with a goal of writing and retaining accounts consistent with our risk appetite. As an underwriter, you will have a dynamic role that blends evaluating and analyzing financial and business risk, building relationships, and selling and negotiating with clients, agents, and brokers.
Underwriter - Franchise Group Celtic BankUnderwriter - Franchise GroupSalt Lake City, UTCeltic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. This role is responsible for analyzing and underwriting complex credit requests for franchise clients across a variety of industries, including restaurants, fitness, retail, and service brands.
Associate Underwriter E&S Commercial Auto Howden Group Holdings LtdAssociate Underwriter E&S Commercial AutoUT$60,000–$80,000 / yearSupporting a team of underwriters within the Commercial Auto Division, you will assist underwriters by processing auto liability, physical damage, and cargo submissions, coordinating with brokers and insureds to clarify exposures, and facilitating efficient issuance of quotes and binders for commercial vehicle fleets. Learn market dynamics, competitive landscape, and product differences (attend weekly underwriting meetings if applicable, ask questions) - need to understand what business is selling (understanding why deals are lost and adjusting accordingly).
CRA Debt & Equity Underwriter Ally Financial IncCRA Debt & Equity UnderwriterWest Valley City, UTRemote$90,000–$150,000 / yearOur Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including: Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level). The Underwriter - CRA structures and underwrites affordable housing debt and equity transactions from screening through closing, prepares and presents credit approval documentation through Ally's internal process, and partners with internal collaborators to deliver loans or investment proposals with strong credit underwriting, while balancing risk, return and community impact objectives.
Construction Surety Underwriter / Financial Analyst (Associate Account Executive) TravelersConstruction Surety Underwriter / Financial Analyst (Associate Account Executive)Salt Lake, UtahFoster and maintain relationships with external partners by regularly meeting in person with agents and brokers to market and sell Travelers products with a goal of writing and retaining accounts consistent with our risk appetite. As an underwriter, you will have a dynamic role that blends evaluating and analyzing financial and business risk, building relationships, and selling and negotiating with clients, agents, and brokers.
Licensed Mortgage Loan Officer - REMOTE AmeriSave Mortgage CorpLicensed Mortgage Loan Officer - REMOTEProvo, UTRemote$10–$15 / hourAmeriSave offers top-tier tech, aggressive commissions, and the ability to delight your clients with our streamlined processes and speedy turn times. Why AmeriSave: As one of the top-rated lenders in the nation, our mission is to deliver beneficial, responsible home and personal lending solutions with unwavering integrity, dedication and excellence.
Licensed Mortgage Loan Originator - REMOTE AmeriSave Mortgage CorpLicensed Mortgage Loan Originator - REMOTESalt Lake City, UTRemote$10–$15 / hourAmeriSave offers top-tier tech, aggressive commissions, and the ability to delight your clients with our streamlined processes and speedy turn times. Why AmeriSave: As one of the top-rated lenders in the nation, our mission is to deliver beneficial, responsible home and personal lending solutions with unwavering integrity, dedication and excellence.
NewLoan Closer (Mortgage Services) Mountain America Credit UnionLoan Closer (Mortgage Services)West Jordan, UtahIf you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner. Intermediate to Advanced skills in the following: Adding machine/10-Key, computer operating skills (windows navigation, mouse/keyboard functionality), Microsoft Outlook, Microsoft Office Suite.
Credit Analyst Setpoint Technologies IncCredit AnalystSalt Lake City, UT645 Ventures led the round, with significant strategic investments from Citi and Wells Fargo, alongside Andreessen Horowitz, NextView Ventures, Floating Point, Henry Kravis, Zillow founder's 75 & Sunny, Vesta Ventures, Fifth Wall, Eltura Ventures, and Outrunner Capital. As part of the Setpoint family of companies, inTENT combines deep compliance expertise with cutting-edge technology to deliver faster, more accurate loan review outcomes for lenders, servicers, and capital markets participants.
Test Auto Engineer II Verisk Analytics IncTest Auto Engineer IILehi, UTThe Test Auto Engineer II supports overall product quality by contributing to both automated and manual testing efforts, working independently on well-defined problems while collaborating closely with QA teammates, developers, and other stakeholders. Unsolicited resumes sent to Verisk, including unsolicited resumes sent to a Verisk business mailing address, fax machine or email address, or directly to Verisk employees, will be considered Verisk property.
Incident Manager Verisk Analytics IncIncident ManagerLehi, UTUnsolicited resumes sent to Verisk, including unsolicited resumes sent to a Verisk business mailing address, fax machine or email address, or directly to Verisk employees, will be considered Verisk property. Specialty Business Solutions provides an integrated suite of software for full end-to-end management of insurance and reinsurance business, helping companies manage their businesses through efficiency, flexibility, and data governance.
Senior Credit Analyst Capital Community BankSenior Credit AnalystPleasant Grove, UTThis role will draft, maintain, and continuously refine the policies and underwriting criteria governing a diverse portfolio of fintech relationships, embedded banking programs, and specialty credit initiatives - ensuring everything Quill Bank does is grounded in sound credit judgment, defensible to regulators, and fit for purpose in a dynamic market. This role will collaborate directly with Risk, Compliance, Legal, and external program fintechs - and you will regularly present policy updates to senior leadership and internal governance committees.
Commercial Marketing Underwriter Farm Bureau Financial ServicesCommercial Marketing UnderwriterProvo, UtahAssess risk and make underwriting decisions independent of others, while also assisting less experienced CMUs with preparing 360 valuations, ISO ratings, and inspections. Do you have experience driving the acquisition of profitable new business by accepting, modifying, or rejecting various Commercial new business risk?
Multi State Commercial Title Examiner (Remote) First American Financial CorpMulti State Commercial Title Examiner (Remote)UTRemoteFirst American reasonably believes that a criminal history may have a direct, adverse and negative relationship with the following material job duties for this position potentially resulting in the withdrawal of the conditional offer of employment: handling of confidential, proprietary or trade secret information belonging to First American or its customers, administrating or facilitating financial transactions, and the ability to meet customer-imposed criminal history requirements. First American's National Production Services division provides global title and escrow production support across all channels within First American Title including the Mortgage Services, Commercial, Direct, and Agency divisions.
Asset Based Lending NDFI Portfolio Manager & Underwriter - SLC, Houston or Dallas Zions Bancorporation NAAsset Based Lending NDFI Portfolio Manager & Underwriter - SLC, Houston or DallasSalt Lake City, UTQualifications: 1-8+ years in asset-based lending, including direct experience underwriting or managing NDFI facilities such as note-on-note, warehouse, fund finance, or lender finance lines, field exam, loan documentation, loan workouts, monitoring collateral and credit performance, economic and industry evaluations, or other directly related experience. Ideal candidates will have the skills and experience necessary to: Support the lending unit related to borrowing based lines of credit within the warehouse, private credit, and other NDFI lines of credit the Bank provides to qualifying Borrowers.
Asset Based Lending Business Development & Preflight Underwriter - Salt Lake City, Dallas or Houston Zions Bancorporation NAAsset Based Lending Business Development & Preflight Underwriter - Salt Lake City, Dallas or HoustonSalt Lake City, UTQualifications: 4+ years in asset-based lending, underwriting, loan structuring, credit, or portfolio management, field exam, loan documentation, loan workouts, monitoring collateral and credit performance, economic and industry evaluations, or other directly related experience. Ideal candidates will have the skills and experience necessary to: Responsible to support the lending unit in the structuring and performs due-diligence, underwriting, legal documentation, closing, analyzing financial data and managing both new and existing complex Asset-Based loans.
Asset Based Lending Underwriter/Portfolio Manager - SLC, Dallas or Houston Zions Bancorporation NAAsset Based Lending Underwriter/Portfolio Manager - SLC, Dallas or HoustonSalt Lake City, UTQualifications: 6-8+ years in asset-based lending, underwriting, loan structuring, credit, or portfolio management, field exam, loan documentation, loan workouts, monitoring collateral and credit performance, economic and industry evaluations, or other directly related experience. Ideal candidates will have the skills and experience necessary to: Responsible to support the lending unit in the structuring and performs due-diligence, underwriting, legal documentation, closing, analyzing financial data and managing both new and existing complex Asset-Based loans.
NewGarage Renewal Underwriter GallagherGarage Renewal UnderwriterSouth Jordan, UtahFull timeThe actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. How you'll make an impact : As a Garage Renewal Underwriter, you’ll: Assess insurance applications for garage lines, including risks related to auto repair shops, dealerships, and service garages.
Loan Closer (Mortgage Services) Mountain America Federal Credit UnionLoan Closer (Mortgage Services)West Jordan, UTIf you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner. Intermediate to Advanced skills in the following: Adding machine/10-Key, computer operating skills (windows navigation, mouse/keyboard functionality), Microsoft Outlook, Microsoft Office Suite.
Underwriter - Associate Intermountain Healthcare IncUnderwriter - AssociateMurray, UT$27.65–$43.55 / hourWe care about your well-being - mind, body, and spirit - which is why we provide our caregivers a generous benefits package that covers a wide range of programs to foster a sustainable culture of wellness that encompasses living healthy, happy, secure, connected, and engaged. Assembles and reviews past claims experience on existing groups in order to determine the appropriate renewal rates and plans to offer.
Analytics Engineer XACTWARE SOLUTIONS INCAnalytics EngineerLehi, UTFull timeUnsolicited resumes sent to Verisk, including unsolicited resumes sent to a Verisk business mailing address, fax machine or email address, or directly to Verisk employees, will be considered Verisk property. Database Management: Strong knowledge of relational databases (e.g., PostgreSQL, MySQL) and NoSQL databases (e.g., MongoDB, Cassandra).
Territory Manager - Small Business, Colorado and Utah United Fire Group IncTerritory Manager - Small Business, Colorado and UtahUTRemote$71,598–$94,396 / yearSchedule one on ones with local Underwriters, build relationships, support increasing the belief in portal experience, diverting small business leads through portal for profitability, seek feedback on barriers and address, grow OneUFG profitability mindset. The Territory Manager's responsibilities include presenting our products and services to our existing and prospective agency force, identifying specific consumer characteristics, and recommending ways to promote and sell our products.
Director of Sales Operations HigginbothamDirector of Sales OperationsLehi, UtahThe Director owns pipeline phase definitions, forecasting rigor, and CRM hygiene while serving as the cross-functional “traffic controller” across Underwriting, Claims, Account Management, Program Management, Marketing, and Marketing Automation Engineering (MAE). This leader ensures clean handoffs, reduced cycle times, underwriting-ready submissions, accurate expectation-setting, and continuous funnel optimization to drive premium growth, productivity, and forecast accuracy.
Commercial Underwriter Columbia BankCommercial UnderwriterSalt Lake, UT$81,000–$140,000 / yearIncludes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models (aka Dual Risk Rating), both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank tracked policies exceptions (TPE), tracked guidelines exceptions (TGE), procedures and compliance regulations; and (4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s). Underwrites new and renewal Commercial and Industrial (C&I) and Commercial Real Estate (CRE) credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from moderate-to-complex enterprises with revenues generally greater than $5 million.