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Senior Underwriter

Unum Columbus, OH

Job Posting End Date: February 27 When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: Award-winning culture Inclusion and diversity as a priority Performance Based Incentive Plans Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability Generous PTO (including paid time to volunteer!) Up to 9.5% 401(k) employer contribution Mental health support Career advancement opportunities Student loan repayment options Tuition reimbursement Flexible work environments *All the benefits listed above are subject to the terms of their individual Plans . And that’s just the beginning… With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! General Summary: The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. Principal Duties and Responsibilities Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers. Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases. Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these Maintain a fully developed knowledge of the Company’s products, the sales, implementation, and enrollment processes, and market place influences Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners Assist with training, technical development and mentoring more junior underwriters Job Specifications Bachelors degree or equivalent, relevant business experience Demonstrated, consistent proficiency at Underwriter level Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits Strong technical expertise in risk selection Demonstrated understanding of top-line and bottom-line objectives Exhibit strong knowledge of sales/distribution process and market trends Solid mentoring and coaching skills Strong creative problem solving skills Strong critical thinking/analytical reasoning skills Strong communication skills, both verbal and written Strong organizational skills and ability to handle multiple priorities Strong ability to be persuasive and to negotiate Demonstrated ability to work both independently and in a team environment Exhibit a strong commitment to quality and personal ownership of results #LI-JQ1 ~IN1 Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $53,300.00-$100,700.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans. Company: Unum Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

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E&S Construction Senior Underwriter

Travelers Insurance Columbus, OH

Who Are We? Taking care of our customers, our communities and each other. That’s the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Job Category Underwriting Compensation Overview The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards. Salary Range $106,300.00 - $175,400.00 Target Openings 1 What Is the Opportunity? Join a growing E&S business at Northfield as we are expanding our E&S construction book. Northfield Excess & Surplus (E&S) Brokerage offers a wide array of insurance products dedicated to wholesale broker distribution. The Northfield E&S Construction Senior Underwriter will partner with wholesale brokers to provide primary general liability coverage for construction E&S accounts. This role will be responsible for generating and underwriting new business within our specialized construction appetite, including general contractors, trade contractors, infrastructure projects, and specialty construction segments. This position is client-facing and responsible for developing new and existing relationships with our wholesale brokers. Candidates with E&S and wholesale experience is preferred. As a Senior Underwriter, you are decisive, detail-oriented, and know how to build relationships internally and externally to drive results. Your ability to independently assess complex risk and sell our products in challenging markets will contribute to the profitability and success of Northfield. What Will You Do? Manage the profitability, growth, and retention of an assigned book of business. Underwrite and skillfully negotiate complex customer accounts to minimize risk and maximize profitability. Cultivate and maintain relationships with internal partners within the business unit and across the enterprise to create sales plans and identify cross-selling opportunities. Foster and maintain relationships with external partners by regularly meeting in person with wholesale brokers to market and sell Travelers products with a goal of writing and retaining accounts consistent with our risk appetite. Must be able to travel to such meetings. Identify and capture new business opportunities using consultative marketing and sales skills. Independently develop and execute agency sales plans and frequently partner with your Managing Director (MD) to develop region/group sales plans. May assist in the training and mentoring of less experienced Account Executives. Perform other duties as assigned. What Will Our Ideal Candidate Have? Bachelor’s degree. Six to eight years of relevant underwriting experience with experience in E&S lines. Deep knowledge of E&S products and the local insurance market. Strong critical thinking skills with the ability to proactively identify underwriting, marketing, or financial challenges and analyze available information to make timely decisions in alignment with our risk appetite. Excellent communication skills with the ability to successfully negotiate in difficult situations with agents and brokers. CPCU designation. What is a Must Have? Four years of underwriting experience. What Is in It for You? Health Insurance : Employees and their eligible family members – including spouses, domestic partners, and children – are eligible for coverage from the first day of employment. Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers. Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays. Wellness Program: The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs. Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice. Employment Practices Travelers is an equal opportunity employer. We believe that we can deliver the very best products and services when our workforce reflects the diverse customers and communities we serve. We are committed to recruiting, retaining and developing the diverse talent of all of our employees and fostering an inclusive workplace, where we celebrate differences, promote belonging, and work together to deliver extraordinary results. In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email ([email protected]) so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. To learn more about our comprehensive benefit programs please visit http://careers.travelers.com/life-at-travelers/benefits/ .

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Senior Underwriter

UNUM Columbus, OH

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: Award-winning culture Inclusion and diversity as a priority Performance Based Incentive Plans Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability Generous PTO (including paid time to volunteer!) Up to 9.5% 401(k) employer contribution Mental health support Student loan repayment options Flexible work environments *All the benefits listed above are subject to the terms of their individual Plans . And that’s just the beginning… With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! General Summary: The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. Principal Duties and Responsibilities Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers. Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases. Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these Maintain a fully developed knowledge of the Company’s products, the sales, implementation, and enrollment processes, and market place influences Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners Assist with training, technical development and mentoring more junior underwriters Job Specifications Demonstrated, consistent proficiency at Underwriter level Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits Strong technical expertise in risk selection Demonstrated understanding of top-line and bottom-line objectives Exhibit strong knowledge of sales/distribution process and market trends Solid mentoring and coaching skills Strong critical thinking/analytical reasoning skills Strong communication skills, both verbal and written Strong organizational skills and ability to handle multiple priorities Strong ability to be persuasive and to negotiate Demonstrated ability to work both independently and in a team environment Exhibit a strong commitment to quality and personal ownership of results #LI-JQ1 IN1 Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $53,300.00-$95,900.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans. Company: Unum Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status. #J-18808-Ljbffr

Mortgage Loan Underwriter Senior

City National Bank Columbus, OH

City National Bank Mortgage Loan Underwriter Senior in Columbus, Ohio MORTGAGE LOAN UNDERWRITER SENIOR WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data, decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of the borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews. What you will do: Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies. Identifies issues and recommends appropriate resolution within policy service level agreements. Analyzes and determines the financial capacity of the borrower's ability to repay: Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification, and payment calculation spreads. Reviews for stability of residency and employment. Identifies any exceptions to current policies. Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid. Accurately sets and clears conditions. Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required. Updates System(s) with pertinent information and appropriate data as required. Renders a decision within his/her lending authority. If the deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority. Certifies and provides a final Workbook to the Processor. Ensures compliance with bank and statutory/regulatory guidelines. Promotes a team environment fostering a positive working environment. Functions as a collaborator and innovator to drive continuous improvement. Provides guidance and support to the RLC and Processor when required. Utilizes systems and tools to ensure that the RLC's are updated on the status of loans. Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met. Provides timely, complete and accurate response to inquiries. Handles all situations in a professional and ethical manner. Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions. Supports and contributes to the quality and customer satisfaction goals of the bank. Productivity: Ensures all goals and service level agreements (SLAs) are met. Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management. Consistently meets quality control and data integrity standards. Effectively utilizes available systems, workflow and imaging tools. Mentor and train Underwriters I and II. 2nd level review of Underwriters I and IIs' work. Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. Must-Have: Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required. Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required. Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). Skills and Knowledge: Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required. Familiar with FNMA/FHLMC guidelines. Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. Superior ability to communicate effectively in both verbal and written form. Strong time management skills to plan and organize a high daily loan volume. Strong ability to be very detail oriented. Must be a team player and work constructively with their fellow colleagues. Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives. Compensation: Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *To be considered for this position you must meet at least these basic qualifications. The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Benefits and Perks: At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our Benefits and Perks. INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT: City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law. ABOUT CITY NATIONAL: We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. #J-18808-Ljbffr

Senior Underwriter

Liberty Mutual Insurance Columbus, OH

Schedule: Full-Time Salary Range: USD $68000.00 - $176000.00 Job Category: Underwriting Pay Philosophy The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. Description The Senior Underwriter will write Middle Market Multi-Industry policies within underwriting authority, with limited guidance from leadership as needed. Makes decisions on whether to underwrite business by making analytical, data-driven decisions based on data and information provided, including pricing the risk. Responsibilities Manages portfolio of brokers/agents and clients. Leverages market presence and knowledge to develop and underwrite profitable business, acting as a representative for Liberty. Maintains a strong market presence, including established relationships with agents and brokers. Looks to strengthen these relationships and develop new ones. Contributes ideas for product development and participates in development and execution. Contributes to team projects (e.g., process / tool improvement). Understands the work implications of relevant legislation and regulation. Collaborates effectively across teams, stakeholders, and partners (e.g., UW Support, Claims, Actuarial, Directors of Underwriting in GRS North America). Mentors junior underwriters and new hires (not as a line manager). May analyze department`s portfolio and make suggestions for development. May recognize and communicate emerging trends of exposures within line of business expertise. Qualifications Degree in Business or equivalent typically required A minimum of 2.5 years, typically 3 or more years, of progressive underwriting experience and/or other related experience CPCU or professional insurance designation preferred Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility that includes competence with all phases and aspects of the underwriting process, and proficiency in the use of qualitative and quantitative tools and techniques Must demonstrate comprehension of complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues Proven track record of developing and underwriting profitable business About Us **This position may have in-office requirements depending on candidate location.** At Liberty Mutual, our purpose is to help people embrace today and confidently pursue tomorrow. That's why we provide an environment focused on openness, inclusion, trust and respect. Here, you'll discover our expansive range of roles, and a workplace where we aim to help turn your passion into a rewarding profession. Liberty Mutual has proudly been recognized as a "Great Place to Work" by Great Place to Work US for the past several years. We were also selected as one of the "100 Best Places to Work in IT" on IDG's Insider Pro and Computerworld's 2020 list. For many years running, we have been named by Forbes as one of America's Best Employers for Women and one of America's Best Employers for New Graduates as well as one of America's Best Employers for Diversity. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices California San Francisco Los Angeles Philadelphia Employment Type: Full Time

Junior To Mid-Level Directors And Officers Liability Practice Litigation Associate Attorney

BCG Attorney Search Columbus, OH

Junior To Mid-Level Directors And Officers Liability Practice Litigation Associate Attorney Company name BCG Attorney Search Experience 1-13 yrs required Location Columbus, OH, United States Posted on Oct 28, 2024 Job Overview A law firm is seeking a Junior to Mid-Level Directors and Officers Liability Practice Litigation Associate Attorney to join their team in Columbus, OH. This role involves interacting directly with partners and clients to take on increasing responsibility and develop the skills to manage complex cases independently. The ideal candidate will have solid legal research and writing abilities, excellent communication skills, and a proactive approach to managing multiple projects. Duties and Responsibilities Analyze third-party insurance policies and draft coverage opinions. Provide coverage advice to insurance company clients. Correspond with clients, opposing counsel, and other interested parties. Monitor and evaluate claims, including securities class action, derivative, and other litigation against insureds. Conduct complex legal research and analysis and draft legal memoranda. Assist in federal and state litigation, including declaratory judgment actions brought by insurer clients and defending insurer clients in litigation filed by policyholders. Attend mediations as required. Requirements Admitted to practice in Ohio or with plans to become admitted in Ohio. Excellent academic credentials. Exceptional legal writing and communication skills. Strong interpersonal skills. Strong work ethic and sense of ownership over work. Ability to manage and prioritize multiple projects. Education Juris Doctor (JD) degree from an accredited law school. Certifications Admission to the Ohio Bar (or eligibility to become admitted). Skills Proficiency in legal research and writing. Strong analytical and problem-solving skills. Effective communication and negotiation skills. Ability to handle complex legal issues and cases independently. Excellent organizational skills and attention to detail. #J-18808-Ljbffr

Senior Asset Liability Manager - Interest Rate Risk Management

Bread Financial Columbus, OH

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Senior Asset Liability Manager will be a part of the Treasury Team. They will be responsible for managing the organizations mix of interest rate sensitive assets and liabilities in an effort to protect profitability from volatility due to changes in market rates. This requires meeting both legal and regulatory expectations related to interest rate risk management. This role contributes to the implementation and overall management of interest rate risk management processes and procedures, addressing the broader needs of the business. It involves collaboration with different levels of management and external regulators, utilizing advanced analytical skills and showcasing expertise in financial risk management. Essential Job Functions Compile and evaluate monthly reporting packages for the Asset-Liability Management (ALM) Committee and the Board for the enterprise and its banking subsidiaries. This role involves ensuring adherence to all pertinent policies, including those concerning Interest Rate Risk, Hedging, Investing, and Borrowing. - (30%) Perform advanced analyses to manage and monitor interest rate risk for the enterprise and each institution. Recommend hedging and strategic actions to mitigate this risk. - (20%) Manage and implement behavioral components and models. Create and maintain historical data sets to facilitate optimal data analysis and modeling. - (15%) Conduct sensitivity analysis on yield curve, repricing, basis, and option risk, as well as assumptions. Back test model results. Benchmark metrics, limits, valuations, etc. - (15%) Oversee and support the update and validation of the model. Ensure comprehensive documentation and ongoing enhancement of the ALM model as per management and regulatory requirements. Verify that all necessary controls and processes are thoroughly documented and tested in accordance with bank policies. - (5%) Regularly collaborate with internal audit, enterprise risk, and SOX teams to execute audits, model validations, risk and control self-assessments, control testing, and general second line of defense oversight. - (5%) Oversee and support the controls assessment and testing program for the Treasury team as needed. Ensure thorough documentation and control planning for all Treasury processes. - (5%) Actively consider the business needs and challenges related to interest rate risk and propose solutions when necessary. Perform various projects as requested by management. Assess all Treasury functions for potential process improvements. - (5%) Minimum Qualifications High School Diploma or GED 12+ years experience in banking and/or financial services. 5+ years of experience in Asset/Liability Management and interest rate risk modeling. Preferred Qualifications Bachelor's Degree in Finance, Economics, Business, Accounting, Quantitative/Statistical Analysis or related field of study or equivalent, relevant work experience 14+ years experience in banking and/or financial services. 7+ years experience in Asset/Liability Management, interest rate risk modeling, banking and/or financial services, Treasury, and/or bank regulatory exposure. Skills Interest Rate Risk Management Asset and Liability Management (ALM) Market Risk Valuation Modeling Interest Rate Hedging Econometrics Quantitative Analytics Excel Power User PowerPoint Presentations Planning Budgeting And Forecasting (PBF) Reports To : Director and above Direct Reports : Up to 1 Work Environment Normal office environment, some travel may be required. This position is hybrid with an onsite schedule of 4 - 5 days per month. In-office requirements are subject to change based on business need. This position is currently available to candidates that reside within 60 miles of a Bread Financial location. Travel Ability to travel up to 5% annually Physical and Mental Requirements To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship. Communicate/Hearing Communicate/Talking Stationary Position/Seated Typing/Writing Maintain focus in high pressure or fast-paced work environment Other Duties This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time. Salary Range (unless otherwise noted below): $133,500.00 - $241,900.00 Full Salary Range for position: California: $153,500.00 - $302,400.00 Colorado: $133,500.00 - $254,000.00 New York: $146,800.00 - $302,400.00 Washington: $140,100.00 - $278,200.00 Maryland: $140,100.00 - $266,100.00 Washington DC: $153,500.00 - $278,200.00 Illinois: $133,500.00 - $266,100.00 New Jersey: $153,500.00 - $278,200.00 The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills. Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26. New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period). Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period. Hired associates can immediately enroll in Bread Financial's 401(k) plan. All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time ("PSST") upon hire and at the beginning of each subsequent calendar year. Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO. Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance. Click here for more Benefits information. About Bread Financial At Bread Financial, you'll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We've been consistently recognized as a best place to work nationally and in many markets and we're proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled-both personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression. Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S consumers. Our payment solutions, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn. Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k). The Company is an Equal Opportunity Employer. Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company. The Company participates in E-Verify. The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act. Applicants with criminal histories are encouraged to apply. The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws. The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at [email protected]. Job Family: Finance,Accounting and Banking Job Type: Regular

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