1,034 Underwriting Manager jobs in the United States
Underwriting Manager
Posted 1 day ago
Job Viewed
Job Description
IG is seeking a seasoned Underwriting Manager to lead a high-performing team of 10 underwriters. This role is ideal for a strategic leader with deep expertise in financial analysis and underwriting methodologies, particularly in self-funded and underwritten ratings. The successful candidate will play a pivotal role in driving operational excellence and ensuring accurate risk assessments across the organization.
We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: and Requirements
-Bachelor's degree in related field
-10+ years of professional experience
-5+ years of experience in finance or statistics
-5+ years in underwriting with experience leading a team of at least 5 direct reports
-Must have heavy Excel -experience completing underwritten and self-funded ratings
-Healthcare/Pharmacy underwriting experience
Underwriting Manager
Posted 5 days ago
Job Viewed
Job Description
Key Responsibilities:
- Lead, train, and mentor a team of underwriters, providing guidance on complex cases and ensuring adherence to company policies and procedures.
- Develop, review, and update underwriting guidelines and risk selection standards to align with market conditions and profitability goals.
- Oversee the accurate and efficient evaluation of insurance applications, assessing risk and determining policy terms and pricing.
- Collaborate with sales, product development, and claims departments to provide insights on market trends and policy performance.
- Monitor underwriting performance metrics, identify areas for improvement, and implement corrective actions.
- Ensure compliance with all state and federal insurance regulations and company policies.
- Manage the workload distribution and resource allocation within the underwriting team.
- Conduct regular performance reviews and provide ongoing feedback to team members.
- Analyze loss ratios and profitability trends, making recommendations to optimize underwriting strategies.
- Develop and maintain strong relationships with brokers, agents, and other stakeholders.
- Contribute to the development of new insurance products and initiatives.
- Stay abreast of changes in the insurance industry, competitive landscape, and emerging risks.
Qualifications:
- Bachelor's degree in Business Administration, Finance, Risk Management, or a related field.
- Minimum of 8 years of progressive experience in insurance underwriting, with at least 2 years in a supervisory or management role.
- Strong knowledge of various insurance lines (e.g., P&C, Life, Health) and their respective underwriting principles.
- Demonstrated experience in risk assessment, pricing, and policy structuring.
- Excellent understanding of insurance regulations and compliance requirements.
- Proven leadership and team management skills, with the ability to motivate and develop staff.
- Exceptional analytical, problem-solving, and decision-making abilities.
- Strong communication, negotiation, and interpersonal skills.
- Proficiency in underwriting software and industry-standard tools.
- Professional designations such as CPCU, AU, or similar are highly desirable.
This hybrid position combines remote flexibility with essential in-office collaboration at our **Des Moines, Iowa, US** location, offering a unique opportunity to shape the future of our underwriting operations.
Underwriting Manager
Posted 5 days ago
Job Viewed
Job Description
Underwriting Manager
Posted 14 days ago
Job Viewed
Job Description
Key responsibilities include overseeing the daily operations of the underwriting department, setting underwriting guidelines, and ensuring consistent application of risk assessment principles across all lines of business. You will be responsible for managing a team of underwriters, providing training, mentorship, and performance evaluations to foster a high-performing culture. The manager will analyze market trends, identify emerging risks, and collaborate with product development teams to adapt offerings and underwriting strategies accordingly.
This role requires close collaboration with sales, claims, and actuarial departments to ensure alignment and optimize the underwriting process for efficiency and profitability. The Underwriting Manager will develop and implement underwriting best practices, conduct audits, and manage reinsurance relationships as needed. Strong data analysis skills are essential for monitoring key performance indicators, identifying areas for improvement, and reporting on departmental results to senior management.
The ideal candidate will hold a Bachelor's degree in Business, Finance, or a related field, with a minimum of 8 years of progressive experience in insurance underwriting, including at least 3 years in a management or supervisory role. Professional designations such as CPCU (Chartered Property Casualty Underwriter) or similar are highly preferred. Demonstrated success in developing and implementing underwriting strategies that balance risk and profitability is crucial. Excellent communication, negotiation, and decision-making skills are essential. Experience with underwriting software and analytics platforms is a plus. This role is based out of **Omaha, Nebraska, US**, but is fully remote, offering significant flexibility. Our client values continuous learning and supports professional development.
Underwriting Manager
Posted 14 days ago
Job Viewed
Job Description
Underwriting Manager
Posted 20 days ago
Job Viewed
Job Description
Key Responsibilities:
- Manage and lead a team of insurance underwriters.
- Develop, implement, and enforce underwriting policies and procedures.
- Review and approve complex or high-risk insurance applications.
- Monitor underwriting performance and identify areas for improvement.
- Provide training and development opportunities for underwriting staff.
- Collaborate with actuarial, claims, and sales teams.
- Ensure compliance with all state and federal insurance regulations.
- Analyze market trends and adjust underwriting strategies accordingly.
- Contribute to product development and pricing strategies.
- Bachelor's degree in Business, Finance, or a related field.
- Minimum of 8 years of experience in insurance underwriting, with at least 3 years in a supervisory or management role.
- Strong knowledge of insurance principles, products, and regulations.
- Excellent analytical, decision-making, and problem-solving skills.
- Proven leadership and team management abilities.
- Effective communication and interpersonal skills.
- Underwriting designations such as AU, CPCU are highly desirable.
Underwriting Manager
Posted 21 days ago
Job Viewed
Job Description
Responsibilities:
- Manage and mentor a team of underwriters, providing guidance, training, and performance evaluations.
- Oversee the underwriting process for new business and renewals, ensuring adherence to company guidelines and risk tolerance.
- Develop, implement, and maintain underwriting policies and procedures to ensure consistency and profitability.
- Analyze market trends, competitor activities, and industry data to identify opportunities and risks.
- Collaborate with the actuarial team to review pricing, reserving, and risk models.
- Work closely with the sales team to support business development initiatives and provide underwriting expertise.
- Monitor the performance of the underwriting portfolio, identifying areas for improvement and implementing corrective actions.
- Ensure compliance with all relevant insurance regulations and legal requirements.
- Review and approve complex or high-exposure risks that fall outside standard authority levels.
- Develop and deliver training programs for underwriters on new products, guidelines, and best practices.
- Contribute to the development of new insurance products and services.
- Foster a collaborative and high-performance culture within the underwriting department.
Qualifications:
- Bachelor's degree in Finance, Economics, Business Administration, or a related field. Advanced degree or relevant professional designations (e.g., CPCU, AU) are a plus.
- Minimum of 7 years of progressive experience in insurance underwriting, with at least 3 years in a supervisory or management role.
- Demonstrated expertise in risk assessment, financial analysis, and insurance product knowledge.
- Strong leadership, team management, and motivational skills.
- Excellent analytical, problem-solving, and decision-making abilities.
- Proficiency in underwriting software and data analysis tools.
- Exceptional communication and interpersonal skills, with the ability to influence and negotiate effectively.
- Thorough understanding of insurance regulations and compliance requirements.
- Ability to work effectively in a fast-paced, deadline-driven environment.
- Strategic thinking and a proactive approach to business challenges.
This vital on-site management position is located in **Washington, D.C., US**, and requires full-time presence at the office.
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SVP, Underwriting Manager
Posted 4 days ago
Job Viewed
Job Description
**BANC OF CALIFORNIA AND YOUR CAREER**
Banc of California, Inc. (NYSE: BANC) is a bank holding company headquartered in Los Angeles with one wholly-owned banking subsidiary, Banc of California (the "bank"). Banc of California is one of the nation's premier relationship-based business banks focused on providing banking and treasury management services to small, middle-market, and venture-backed businesses. Banc of California offers a broad range of loan and deposit products and services, with full-service branches throughout California and Denver, Colorado, as well as full-stack payment processing solutions through its subsidiary, Deepstack Technologies. The bank is committed to its local communities by supporting organizations that provide financial literacy and job training, small business support, affordable housing, and more.
At Banc of California, our success is driven by our people, and we take pride in fostering an environment where everyone can reach their full potential. We embrace a culture of empowerment, progressive thinking, and entrepreneurial spirit, ensuring our team members have an opportunity to make an impact and play an important role in the future of Banc of California. Our core values - Entrepreneurialism, Operational Excellence, and Superior Analytics - empower us in creating a dynamic and inclusive workplace. We are committed to supporting your growth and well-being with comprehensive benefits, career development programs, a variety of employee resource groups, and more. TOGETHER WE WIN®
**THE OPPORTUNITY**
The SVP, Credit Manager is responsible for hands on management of all credit risk aspects of the lending process and the Corporate Asset Finance (CAF) loan portfolio under the general supervision of the Managing Director, CAF. Responsible for loan underwriting and credit approval with direct involvement in all credit administration activities including the development and maintenance of loan policies and procedures, and the tracking of loan portfolio trends, concentrations and statistics through a variety of reports and systems. Works directly with unit managers to establish priorities and coordinate workflow. Performs all duties in accordance with the Company's policies and procedures, all U.S. state and federal laws and regulations, wherein the Company operates.
**HOW YOU'LL MAKE A DIFFERENCE**
+ Works closely with lending staff to provide support, underwriting assistance and credit approval ensuring compliance with credit policy and regulatory guidance.
+ Manages, executes, and enforces the Bank's credit policy.
+ Takes action as needed to ensure adherence to the credit risk profile established by the Board of Directors.
+ Approves all extensions of new credit and renewals and modifications of existing credit within its authority.
+ Works closely with lending staff regarding overdrafts and loan tickler status.
+ Follows on delinquent payments and matured notes with lending staff.
+ Reviews reports to ensure reporting/operating compliance and real estate inspection ticklers are maintained.
+ Shows interpersonal adaptability when dealing with many different personality styles.
+ Assists lending staff with vetting, loan structuring, pricing and approvals.
+ Direct involvement with classified assets, develops plans with management and staff to improve the bank's position, and anticipates deterioration on individual loans by proper risk rating.
+ Ensures that new loans are properly risk rated per Bank's risk rating definitions.
+ Strong knowledge of bank related lending regulations.
+ Stays abreast of new systems and processes that will streamline and create more efficient loan operations.
+ Involved with interviewing and hiring decisions.
+ Prepare and deliver employee performance evaluations, goal planning, and counseling.
+ Manage, support, coach and train staff.
+ Treat people with respect; keep commitments; inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions.
+ Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
+ Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values.
+ Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct.
+ Performs other duties and projects as assigned.
**WHAT YOU'LL BRING**
**Experience**
Required:
+ Twelve (12) or more years of credit, loan, and senior level credit risk administration experience
+ Banking or commercial finance experience
+ Management experience
**Education & Certifications:**
Preferred:
+ Bachelor's degree in business, finance, or related field
**Skills, Behaviors, & Knowledge**
Required:
+ Excellent attention to detail and accuracy
+ Superior interpersonal verbal and written communication skills
+ Ability to handle multiple priorities and projects simultaneously
+ Ability to work independently yet collaborate cross-functionally in a team environment
+ Proven ability to use Microsoft Office Suite (Outlook, Excel, MS Word, and PowerPoint)
+ Excellent organizational and time management skills
+ Extensive knowledge of credit, collateral, and lending regulations
+ Review and be knowledgeable of departmental and human resource's policies & procedures
**HOW WE'LL SUPPORT YOU**
+ **Financial Security:** You will be eligible to participate in the company's 401k plan which includes a company match and immediate vesting.
+ **Health & Well-Being:** We offer comprehensive insurance options including medical, dental, vision, AD&D, supplemental life, long-term disability, pre-tax Health Savings Account with employer contributions, and pre-tax Flexible Spending Account (FSA).
+ **Building & Supporting Your Family:** Banc of California partners with providers that offeradoption, surrogacy, and fertility assistance as well as paid parental leave and family support solutions including care options for your family.
+ **Paid Time Away:** Eligible team members receive paid vacation days, holidays, and volunteer time off.
+ **Career Growth Opportunities:** To support career growth of our team members, we offer tuition reimbursement, an annual mentorship program, leadership development resources, access to LinkedIn Learning, and more.
**SALARY RANGE**
The base salary ultimately offered is determined through a review of education, industry experience, training, knowledge, skills, abilities of the applicant in alignment with market data and other factors.
Banc of California is an equal opportunity employer committed to creating a diverse workforce. All qualified applicants will receive consideration for employment without regard to age (40 and over), ancestry, color, religious creed (including religious dress and grooming practices), denial of Family and Medical Care Leave, disability (mental and physical) including HIV and AIDS, marital status, medical condition (cancer and genetic characteristics), genetic information, military and veteran status, national origin (including language use restrictions), race, sex (which includes pregnancy, childbirth, breastfeeding and medical conditions related to pregnancy, childbirth or breastfeeding), gender, gender identity, gender expression, and sexual orientation. If you require reasonable accommodation as part of the application process, please contact Talent Acquisition.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights ( notice from the Department of Labor.
Equal Opportunity Employer
PacWest Bancorp and its affiliates are fully committed to the principles of equal opportunity and diversity. We take pride in building a workplace culture where all employees feel supported and respected, and have equal access to career and development opportunities without regard to race, religion/creed, color, national origin, age, marital status, ancestry, sex, gender (including pregnancy, childbirth, breastfeeding or related medical conditions), gender identity/expression, sexual orientation, veteran status, physical or mental disability, medical condition, military status, genetic information, or any other characteristic protected by federal, state or local laws.
Ag Underwriting Manager
Posted 1 day ago
Job Viewed
Job Description
**Job Description**
Manages and coordinates the activities for assigned Business Banking Underwriting department. Ensures quality service and effective support for all of the assigned internal and external customers. Accomplishes results through the effective management of staff that may range from lower level non-exempt through exempt level professionals. Administers corporate policies and procedures and ensures compliance with applicable laws and regulations. Conducts underwriting review process in a manner designed to minimize the bank's risk while employing problem resolution techniques in approving loans. Provides support and training for all staff, including underwriting guidelines for underwriting staff.
Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically eight to 10 years of related experience
Preferred Skills/Experience
- Expert level of knowledge of all underwriting functions
- Strong organizational, managerial and problem-solving skills
- Well-developed customer relations skills
- Proficient interpersonal, verbal and written communication skills
- Effective supervisory and management skills
If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants ( .
**Benefits:**
Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):
+ Healthcare (medical, dental, vision)
+ Basic term and optional term life insurance
+ Short-term and long-term disability
+ Pregnancy disability and parental leave
+ 401(k) and employer-funded retirement plan
+ Paid vacation (from two to five weeks depending on salary grade and tenure)
+ Up to 11 paid holiday opportunities
+ Adoption assistance
+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
**E-Verify**
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program ( .
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
**Posting may be closed earlier due to high volume of applicants.**
SVP, Underwriting Manager
Posted 3 days ago
Job Viewed
Job Description
**BANC OF CALIFORNIA AND YOUR CAREER**
Banc of California, Inc. (NYSE: BANC) is a bank holding company headquartered in Los Angeles with one wholly-owned banking subsidiary, Banc of California (the "bank"). Banc of California is one of the nation's premier relationship-based business banks focused on providing banking and treasury management services to small, middle-market, and venture-backed businesses. Banc of California offers a broad range of loan and deposit products and services, with full-service branches throughout California and Denver, Colorado, as well as full-stack payment processing solutions through its subsidiary, Deepstack Technologies. The bank is committed to its local communities by supporting organizations that provide financial literacy and job training, small business support, affordable housing, and more.
At Banc of California, our success is driven by our people, and we take pride in fostering an environment where everyone can reach their full potential. We embrace a culture of empowerment, progressive thinking, and entrepreneurial spirit, ensuring our team members have an opportunity to make an impact and play an important role in the future of Banc of California. Our core values - Entrepreneurialism, Operational Excellence, and Superior Analytics - empower us in creating a dynamic and inclusive workplace. We are committed to supporting your growth and well-being with comprehensive benefits, career development programs, a variety of employee resource groups, and more. TOGETHER WE WIN®
**THE OPPORTUNITY**
The SVP, Credit Manager is responsible for hands on management of all credit risk aspects of the lending process and the Corporate Asset Finance (CAF) loan portfolio under the general supervision of the Managing Director, CAF. Responsible for loan underwriting and credit approval with direct involvement in all credit administration activities including the development and maintenance of loan policies and procedures, and the tracking of loan portfolio trends, concentrations and statistics through a variety of reports and systems. Works directly with unit managers to establish priorities and coordinate workflow. Performs all duties in accordance with the Company's policies and procedures, all U.S. state and federal laws and regulations, wherein the Company operates.
**HOW YOU'LL MAKE A DIFFERENCE**
+ Works closely with lending staff to provide support, underwriting assistance and credit approval ensuring compliance with credit policy and regulatory guidance.
+ Manages, executes, and enforces the Bank's credit policy.
+ Takes action as needed to ensure adherence to the credit risk profile established by the Board of Directors.
+ Approves all extensions of new credit and renewals and modifications of existing credit within its authority.
+ Works closely with lending staff regarding overdrafts and loan tickler status.
+ Follows on delinquent payments and matured notes with lending staff.
+ Reviews reports to ensure reporting/operating compliance and real estate inspection ticklers are maintained.
+ Shows interpersonal adaptability when dealing with many different personality styles.
+ Assists lending staff with vetting, loan structuring, pricing and approvals.
+ Direct involvement with classified assets, develops plans with management and staff to improve the bank's position, and anticipates deterioration on individual loans by proper risk rating.
+ Ensures that new loans are properly risk rated per Bank's risk rating definitions.
+ Strong knowledge of bank related lending regulations.
+ Stays abreast of new systems and processes that will streamline and create more efficient loan operations.
+ Involved with interviewing and hiring decisions.
+ Prepare and deliver employee performance evaluations, goal planning, and counseling.
+ Manage, support, coach and train staff.
+ Treat people with respect; keep commitments; inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions.
+ Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
+ Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values.
+ Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct.
+ Performs other duties and projects as assigned.
**WHAT YOU'LL BRING**
**Experience**
Required:
+ Twelve (12) or more years of credit, loan, and senior level credit risk administration experience
+ Banking or commercial finance experience
+ Management experience
**Education & Certifications:**
Preferred:
+ Bachelor's degree in business, finance, or related field
**Skills, Behaviors, & Knowledge**
Required:
+ Excellent attention to detail and accuracy
+ Superior interpersonal verbal and written communication skills
+ Ability to handle multiple priorities and projects simultaneously
+ Ability to work independently yet collaborate cross-functionally in a team environment
+ Proven ability to use Microsoft Office Suite (Outlook, Excel, MS Word, and PowerPoint)
+ Excellent organizational and time management skills
+ Extensive knowledge of credit, collateral, and lending regulations
+ Review and be knowledgeable of departmental and human resource's policies & procedures
**HOW WE'LL SUPPORT YOU**
+ **Financial Security:** You will be eligible to participate in the company's 401k plan which includes a company match and immediate vesting.
+ **Health & Well-Being:** We offer comprehensive insurance options including medical, dental, vision, AD&D, supplemental life, long-term disability, pre-tax Health Savings Account with employer contributions, and pre-tax Flexible Spending Account (FSA).
+ **Building & Supporting Your Family:** Banc of California partners with providers that offeradoption, surrogacy, and fertility assistance as well as paid parental leave and family support solutions including care options for your family.
+ **Paid Time Away:** Eligible team members receive paid vacation days, holidays, and volunteer time off.
+ **Career Growth Opportunities:** To support career growth of our team members, we offer tuition reimbursement, an annual mentorship program, leadership development resources, access to LinkedIn Learning, and more.
**SALARY RANGE**
The base salary ultimately offered is determined through a review of education, industry experience, training, knowledge, skills, abilities of the applicant in alignment with market data and other factors.
Banc of California is an equal opportunity employer committed to creating a diverse workforce. All qualified applicants will receive consideration for employment without regard to age (40 and over), ancestry, color, religious creed (including religious dress and grooming practices), denial of Family and Medical Care Leave, disability (mental and physical) including HIV and AIDS, marital status, medical condition (cancer and genetic characteristics), genetic information, military and veteran status, national origin (including language use restrictions), race, sex (which includes pregnancy, childbirth, breastfeeding and medical conditions related to pregnancy, childbirth or breastfeeding), gender, gender identity, gender expression, and sexual orientation. If you require reasonable accommodation as part of the application process, please contact Talent Acquisition.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights ( notice from the Department of Labor.
Equal Opportunity Employer
PacWest Bancorp and its affiliates are fully committed to the principles of equal opportunity and diversity. We take pride in building a workplace culture where all employees feel supported and respected, and have equal access to career and development opportunities without regard to race, religion/creed, color, national origin, age, marital status, ancestry, sex, gender (including pregnancy, childbirth, breastfeeding or related medical conditions), gender identity/expression, sexual orientation, veteran status, physical or mental disability, medical condition, military status, genetic information, or any other characteristic protected by federal, state or local laws.