Acra Lending

Role Description We are seeking an experienced AI Engineer focused on Agentic AI and Workflow Automation to architect, build, and deploy intelligent systems that could transform our business. This role will be responsible for designing and implementing AI agents, autonomous workflows, and enterprise automation systems that drive operational efficiency, reduce cycle times, improve borrower and broker experience, enhance compliance, and increase EBITDA through scalable automation. The ideal candidate combines expertise in LLMs, agentic architectures, orchestration frameworks, and workflow automation with a practical understanding of enterprise systems integration and regulated financial services environments. Essential Duties and Responsibilities - Agentic AI Architecture & Development - Design, develop, and deploy AI agents and multi-agent systems to automate mortgage workflows across the loan lifecycle. - Build intelligent orchestration frameworks capable of autonomous decision support, task execution, and workflow routing. - Develop AI copilots and internal assistants for underwriting, loan processing, sales, operations, secondary markets, compliance, capital markets, and executive leadership. - Create AI-powered exception handling and escalation frameworks for complex loan scenarios. - Workflow Automation - Identify, redesign, and automate high-friction operational workflows across the mortgage platform. - Develop automation solutions for loan intake, document classification, income and asset analysis, credit review, conditions management, broker communication, borrower engagement, QC and compliance reviews, and post-close processes. - LLM & AI Engineering - Implement Retrieval-Augmented Generation (RAG) systems using lending guidelines, overlays, investor matrices, and SOPs. - Build prompt orchestration, memory systems, and agent reasoning frameworks. - Evaluate and deploy emerging AI technologies for document intelligence, NLP, computer vision, and decision support. - Systems Integration - Integrate AI systems with LOS platforms, CRM systems, pricing engines, OCR/document recognition tools and data platforms. - Develop APIs and middleware to enable seamless AI workflow orchestration. - Governance, Risk & Compliance - Ensure AI implementations align with mortgage regulatory requirements and governance standards. - Design controls around explainability, auditability, model monitoring, and human-in-the-loop approvals. - Strategy & Innovation - Help define and execute the enterprise AI strategy. - Prioritize high-ROI automation opportunities that improve revenue, pull-through, turn times, cost-to-originate, scalability, and EBITDA. Qualifications - 5+ years of software engineering, AI engineering, or machine learning experience. - 2+ years building LLM-based applications or agentic AI systems. - Experience with orchestration frameworks such as LangChain, LangGraph, CrewAI, AutoGen, Semantic Kernel, or MCP-based architectures. - Strong Python development skills and experience with APIs, vector databases, prompt engineering, RAG architectures, and workflow automation. Preferred Qualifications - Experience in mortgage lending, fintech, banking, or financial services. - Familiarity with Non-QM underwriting guidelines including DSCR, Bank Statement, Asset Qualifier, ITIN, Foreign National, and Jumbo products. - Experience with mortgage LOS platforms and deploying AI in regulated environments. Technical Stack (Preferred) - Languages: Python, SQL, JavaScript/TypeScript - AI/LLM: OpenAI, Anthropic, open-source LLMs, Hugging Face - Automation: n8n, UiPath, Zapier, Make, Apache Airflow - Cloud & DevOps: AWS, Azure, GCP, Docker, Kubernetes, CI/CD Benefits - Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA. - Company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child. - AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance. - Legal assistance, pet insurance, living will and trust preparation discounts, commuter program. - Annual walking challenge, employee appreciation events and monthly sales awards.

Role Description We are seeking an experienced Systems Security Engineer with a strong background in enterprise security engineering and cloud security architecture. The ideal candidate will have hands-on experience implementing and managing security technologies across modern infrastructure, including: - Microsoft 365 security platforms - Identity and access management solutions - Endpoint security - Network security controls This role requires a deep understanding of security monitoring, threat detection, and security best practices across cloud and hybrid environments. The Systems Security Engineer will play a key role in designing, implementing, and maintaining secure systems and infrastructure to protect organizational assets and maintain a strong cybersecurity posture. Essential Duties and Responsibilities - Design, deploy, and maintain security monitoring solutions across enterprise environments. - Implement and optimize Microsoft Security tools, including but not limited to Microsoft Defender for Endpoint, Defender for Office 365, Sentinel, Microsoft Purview, and Entra ID Protection. - Manage and enhance SIEM platforms to detect, analyze, and respond to security threats effectively. - Monitor and analyze system and network activity for security incidents, vulnerabilities, and performance issues. - Develop and refine incident response processes, ensuring swift detection and mitigation of security events. - Collaborate with IT and security teams to harden system configurations, enforce security policies, and improve overall security posture. - Conduct security assessments, penetration tests, and risk analyses to identify and mitigate security gaps. - Automate security workflows and incident response procedures using scripting and automation tools (e.g., PowerShell, Python, or Azure Logic Apps). Qualifications - Hands-on experience with Microsoft Security solutions, including Microsoft Defender, Sentinel, and Entra ID Protection. - Expertise in SIEM technologies (e.g., Microsoft Sentinel, Splunk, QRadar, or similar). - Strong understanding of security monitoring, application monitoring, and network monitoring methodologies. - Proficiency in Windows Server, Active Directory, and Azure security principles. - Knowledge of firewall configurations, intrusion detection/prevention systems (IDS/IPS), endpoint detection & response (EDR), and network security. - Certifications such as Microsoft Certified: Security Operations Analyst, CISSP, CISM, CEH, or GIAC. - Knowledge of Infrastructure security implementation and monitoring, DevSecOps principles, and cloud-native security tools. - Familiarity with log aggregation, anomaly detection, and behavioral analytics. Requirements - 7+ years of experience in systems engineering with a focus on security. - Experience in threat hunting, security incident investigation, and forensic analysis. - Experience working in environments compliant with HIPAA, GDPR, PCI-DSS, or SOX. - Experience and knowledge of deploying, configuration and management of Microsoft Cloud and Security Stack, including but not limited to: Azure AD, Entra, Defender, Intune, Sentinel / Threat Protection, Email & Data Protection, Compliance and Governance and Network – Application Security. Benefits - Medical, dental, vision, wellness programs - EAP counseling services - FSA & HSA - Company sponsored life insurance for employee - Voluntary life insurance for employee, spouse and child - AD&D Insurance - Voluntary short-term and long-term disability - Critical illness insurance - Accident insurance - Legal assistance - Pet insurance - Living will and trust preparation discounts - Commuter program - Annual walking challenge - Employee appreciation events - Monthly sales awards

Role Description The position is responsible for building relationships with mortgage brokers and bankers, onboarding them as partners, and maintaining an active sales pipeline. The Inside Account Executive will also be responsible for assisting their potential partners to complete broker loan approval documents and assist active partners in understanding and completing conditions during the loan approval process. The Inside Account Executive customarily and regularly spends more than half of their working time from the Company’s established place of business or home office, engaged in activities directly related to building relationships with brokers in order to sell the Company’s loan products. In this position, you will spend minimal time visiting brokers in person. Essential Duties and Responsibilities - A subject matter expert, knowledgeable in all Acra products and programs, basic eligibility parameters and pricing. - Meet or exceed assigned sales targets and outbound call goals and/or manage daily sales activities to achieve key performance metrics. - Develop and execute an effective prospecting plan for bringing new mortgage brokers/bankers onboard. - Win business by developing deep network relationships with new and existing accounts. - Submit accurate and complete documentation for all broker and loan approvals. - Maintain an up-to-date sales pipeline. - Create a consistent and timely plan for nurturing current business, new business and following up on leads when provided. - Follow up with current and new partners on loan scenarios and program questions/inquiries in a timely manner. - Conduct consistent contact with current and potential broker partners on a weekly basis to perform product presentations, review loan scenarios and deepen the customer relationship. - Maintain production levels as illustrated in the “Minimum Sales Expectations” document. - Keep accurate records and current data in all company provided systems, including responding to emails, maintaining current and accurate timecard data, and proper use of sales specific systems like Salesforce, Glide, etc. - Other duties as assigned. Qualifications - Must be comfortable on the phone; cold calling, troubleshooting and answering product questions in a timely manner. - Knowledge and understanding of Microsoft Office products; Word, Excel, Outlook, PowerPoint, etc. - Experienced in closing sales and contract negotiation. - Experienced in generating sales strategies with an ability to analyze sales performance. - Proficient in Salesforce. Requirements - 5 years of Sales experience is required. - Mortgage/Real Estate experience is strongly preferred. - Current and non-restrictive driver’s license and local State required car insurance. - Four-year bachelor’s degree from an accredited institution with focus on finance, real estate, marketing, sales or equivalent preferred but not required. Benefits - Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA. - Company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child. - AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance. - Living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events, and monthly sales awards.

Role Description We are currently searching for Valuation Specialists. The position performs highly detailed functions and technical measurements as it regards collateral for our lending. Analyze and evaluate appraisals and supportive reporting. Analyze high-value and/or high-risk properties consistent to company risk compliance. - Detailed review of various valuation reports (Appraisal Reports, Field Reviews, Desk Reviews, ARRs, BPOs, etc.) - Communicate concerns related to collateral and value - Researching and Analyzing property data for analysis (Market/Sales/Rent/Regional, etc.) - Communicating and resolving questions or problems with multiple departments - Make value recommendations - Other duties/projects as assigned - May perform administrative directed audit functions Qualifications - Comprehensive understanding of real estate valuation methodology and concepts - Familiar with researching property and zoning details via online websites (County, City, State, GIS Maps, private data sources, etc.) - Plat Map, Survey, Legal Description, and Title Review - Flexibility of work schedule to meet client needs required - Excellent analytical, problem-solving, and root cause determination skills - Strong written and verbal communication and presentation skills Requirements - Bachelor’s degree preferred - 4-5 years of relevant experience - Experience performing real estate valuation reviews and/or a previous audit support role - Experience in the Mortgage or Banking industry Benefits - Medical, dental, vision, wellness programs - EAP counseling services - FSA & HSA - Company sponsored life insurance for employee - Voluntary life insurance for employee, spouse and child - AD&D Insurance - Voluntary short-term and long-term disability - Critical illness insurance - Accident insurance - Legal assistance - Pet insurance - Living will and trust preparation discounts - Commuter program - Annual walking challenge - Employee appreciation events - Monthly sales awards

Role Description We are looking for candidates to join our team who are passionate about their vocation, committed to making a contribution, and are looking to gain experience in order to grow in their career. Summary: - Assist in managing correspondent client (“Seller”) relationships. - Analyze and compile data related to seller loan purchasing transactions with Acra Lending. - Responsible for purchasing closed loans in a timely manner in accordance with company and investor requirements. - Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations. Essential Duties and Responsibilities: - Consistently complete/audit files review conditions and verifies loan closing package for accuracy and completeness. - Receive and review any outstanding purchasing conditions prior to purchase. - Complete a closed loan review to ensure documents were executed correctly. - Ensure all prior to purchase conditions have been met and set file up for purchasing. - Ensure all required documentation for Collateral Package is satisfactory prior to purchase. - Work with appropriate parties to clear any outstanding conditions prior to loan purchase. - Facilitate and task internal QC for closing loan compliance review. - Review signed loan documents for compliance with federal, state, and local law and company policies and procedures. - Review and approve CD settlement statement from closing agent. - Verify and prepare wire transfer instructions. - Verify loan amount, all fees, rates, discount points, broker rebates, and other loan amounts. - Review signed loan documents for correct signatures, notary information, title reports, and escrow instructions. - Prepare and retrieve approved purchase advice for Correspondent sellers. - Input loan information into the loan system(s). - Follow up with any post-closing issues that may arise. - Maintain a thorough working knowledge of Company and regulatory changes that affect the closing process. - Resolve loan purchase discrepancies with the Accounting Department and Shipping Department. - Assist departmental sales partners, support staff, and management when necessary. - Perform other related duties as assigned. Qualifications - Knowledge of mortgage industry and loan documents. - Knowledge of RESPA, TILA, MDIA requirements. - Demonstrate thorough knowledge of all aspects of mortgage loan closing. - Knowledge of underwriting procedures, creditor financial analysis techniques, investor requirements, and escrow/title practices. - Required to be on camera for all team and colleague interactions. - Superior customer service skills, responsive to client issues and concerns. - Extremely high level of organizational skills and ability to work on several tasks simultaneously. - Strong mathematical, verbal & written communication skills. - Strong computer skills (i.e., Microsoft Office suite; Word, Excel, Outlook, etc.). - Ability to communicate effectively both verbally and in writing. - Ability to organize and prioritize workload and meet deadlines. - Must be a team player and work constructively with fellow employees, sales partners, and management team. Requirements - High School graduate or equivalent. - Three (3) to five (5) years purchasing closed Correspondent and/or Funding experience. - Knowledge of TRID, RESPA, TILA, and Compliance document review experience. - Computer literate with experience using Microsoft Applications (Word, Excel) with mortgage industry standard. - Ability to compile and analyze data. - Experience working in a paperless environment. - Knowledge of DocMagic and other document vendors experience a plus. - Document drawing experience a plus. Benefits - Medical, dental, vision, wellness programs. - EAP counseling services. - FSA & HSA. - Company sponsored life insurance for employee. - Voluntary life insurance for employee, spouse, and child. - AD&D Insurance. - Voluntary short-term and long-term disability. - Critical illness insurance. - Accident insurance. - Legal assistance. - Pet insurance. - Living will and trust preparation discounts. - Commuter program. - Annual walking challenge. - Employee appreciation events and monthly sales awards.

At Acra Lending our employees enjoy an opportunity to work with great people. We celebrate several events throughout the year accompanied by raffles and giveaways for employees nationwide. We are especially proud to give back to our community and truly enjoy one another's company. We are looking for candidates to join our team who are passionate about their vocation. Who are committed to making a contribution and are looking to gain experience in order to grow in their career. Our headquarters are located on a beautiful campus in Irvine, California and if you work out of our Irvine office we can also provide a free gym membership. This position is responsible for assisting Brokers/AEs through various loan applications and submitting complete and accurate items to the Underwriting and Closing Departments Essential Duties and Responsibilities •Manage Wholesale loans for Account Executives from submission through funding •Assist AEs/Brokers, offering timely responses to questions and excellent customer service •Review broker-submitted documentation before submitting to Underwriting and Closing Dept. •Perform Account Manager Welcome Call on files flagged by Loan Set Up •Follow up on all PTD and PTF conditions; updates should be noted in Byte Pro •Maintain an accurate Account Manager Production Forecast •Deliver Weekly Production Forecast to Management •Complete tasks assigned as outlined by Acra Policy/Timeline •Follow Acra P&P relative to file flow, aged pipeline, email/phone communication, tasks, etc. •Maintain minimum pipeline of 55-65 active loans •Must be able to communicate efficiently by making phone calls to customers •Meet or exceed the monthly minimum closed loan production requirements •Perform other duties as assigned Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. • Must be a team player and work constructively with ALL departments • Ability to understand the requirements of Acra programs/guidelines • Knowledgeable in the complex borrower types, including but not limited to LLCs/Trusts •Proficient in the review of income documentation, financial statements (i.e., P&Ls), assets,etc. • Perform duties under minimal supervision and follow the Acra escalation processes when needed • Ability to communicate effectively in both verbal and written form • Possess strong time management skills to plan and organize a high daily loan volume • Must be very detail oriented, be able to meet deadlines, and work in a fast-paced environment • Proficient in Microsoft Office applications (i.e., Outlook, Word, Excel) and experience with mortgage industry software and online apps Education and/or Experience • Minimum of 3 years current Account Manager experience in Wholesale lending • Minimum of 3 years’ experience working with standard industry and investor guidelines • High School Graduate or equivalent Benefits Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards. At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America. Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program. We look forward to meeting you!

At Acra Lending our employees enjoy an opportunity to work with great people. We celebrate several events throughout the year accompanied by raffles and giveaways for employees nationwide. We are especially proud to give back to our community and truly enjoy one another's company. We are looking for candidates to join our team who are passionate about their vocation. Who are committed to making a contribution and are looking to gain experience in order to grow in their career. Our headquarters are located on a beautiful campus in Irvine, California and if you work out of our Irvine office we can also provide a free gym membership. Essential Duties and Responsibilities: - Manually underwrite mortgage loan files. Review and analyze mortgage loan applications and supporting documents to ensure accuracy and completeness in order to make an informed lending decision in compliance with Acra Lending policies and guidelines - Measure multiple events in an applicant’s file and review application contingencies to quantify associated risk. - Exercise judgement to determine correct items to request from applicants and to make accurate credit decisions. - Responsible for frontline underwriting of new loan files, suspense reviews, condition reviews, re-works, etc. while adhering to production standards, staying within established turn-time timeframes and meeting minimum loan quality standards - Ability to perform duties and resolve issues without supervision and actively engage with supervisor to resolve complicated issues - Computer literate to include experience using Microsoft applications with mortgage industry standard software. Experience with Doc Velocity (paperless system) and Byte - Pro a plus - Other duties as assigned Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. - Ability to develop strong understanding of Acra's Underwriting guidelines - Experience performing manual underwrites of mortgage loan files - Adept at performing analysis and evaluation of a credit request and identifying appropriate documents to request from applicants - Experience making credit recommendations by measuring multiple events and quantifying the associated risks while adhering to guidelines and compliance requirements - Ability to communicate effectively in both verbal and written form and ability to explain credit decisions - Strong time management skills to effectively plan and organize a high daily loan volume - Detail-oriented team player able to work constructively with fellow employees - Self-motivated with good interpersonal skills - Well organized and able to process detailed information with accuracy and efficiency - Must be Proficient in English: speak, read, write Education and/or Experience: - Minimum 3 years of recent experience frontline underwriting of residential mortgage loans - Minimum five years of experience underwriting non-prime and “A” paper mortgage loans required - Minimum 5 years of experience of state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.) Pay Range: $85,000 - $95,000 based on experience Language Skills Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Mathematical Skills Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Reasoning Ability Ability to apply common sense understanding to carry out detailed instructions. Ability to deal with problems involving a few concrete variables in standardized situations. Computer Skills Advanced knowledge of Microsoft Office applications (Word, Excel, Outlook, etc). Benefits Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards. At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America. Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program. We look forward to meeting you!