Alcova Mortgage LLC

Role Description The Appraisal Desk Assistant is responsible for assisting in the daily functions of the Appraisal Desk to accomplish the required objectives set out by department management. The primary objective of the Appraisal Desk Assistant will include, but is not limited to: - Scheduling and collecting resulting appraisal documents - Coordinating various activities and information sharing among branches and appraisers - Recordkeeping Duties and Responsibilities - Initiate and maintain consistent communication with appraisers and branches, providing various forms of information including status and tracking data - Schedule appraisals through the department’s system of record - Follow up on order status with appraisers and branches - Monitor data for trends or issues which may affect on-time delivery, quality, or customer satisfaction, escalating to management as necessary - Maintain current records for appraisers’ licenses and applicable insurance Qualifications - Minimum of two (2) years administrative and/or customer service experience required; experience in the mortgage industry preferred - High school diploma, or equivalent education required - Basic underwriting, processor, and closing knowledge and terminology preferred - Highly motivated, ambitious, and driven to succeed - Must be trustworthy, honest, and able to continuously display a high level of integrity - Able to work effectively in a team environment - Able to demonstrate excellent detail orientation, critical thinking, and analytical skills - Able to identify and resolve problems in a timely manner - Able to understand and respond appropriately to basic inquiries - Able to read, write, and communicate using the English language sufficient to perform job functions - Able to use Company equipment in assigned area (including but not limited to telephone, copiers, fax machines, computers, internet, etc.) - Able to access, input, retrieve, and interpret information using applicable computer systems (including, but not limited to, Microsoft Word, Excel, Outlook, industry-specific computer software, etc.) - Able to multi-task (e.g., simultaneous usage of several applications, etc.) - Well-versed with keyboard shortcuts and able to identify new ways to complete a task in less time - Rely on limited experience and judgment to plan and accomplish goals - Works well under general supervision - Able to handle deadlines and working within banking guidelines - Compliance with all Bank Secrecy Act (BSA), Anti-Money Laundering (AML) laws, and Office of Foreign Asset Controls (OFAC) requirements is required. Employee must complete annual training in these areas Work Environment This job operates in a clerical office setting; climate-controlled surroundings with adequate lighting and little or moderate noise when in the office. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Physical Demands This is largely a sedentary role; however, some filing and photocopying is required. This would require the ability to lift files, open filing cabinets, and bend or stand as necessary. Expected Hours of Work Days and hours of work are Monday through Friday, 8:30 a.m. to 5:00 p.m. Evening and weekend work may be required as job duties demand. Other Duties This position performs additional duties as assigned, given adequate guidance and resources. This Job Description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee to perform this job. Duties, responsibilities, and activities may change at any time with or without notice. EOE D/V/M/F

Role Description The Vice President of Mortgage Training will be responsible for the creation, development, facilitation, and administration of training programs to meet specific business needs for new and existing employees in both sales and operations roles. The VP of Mortgage Training will work closely with the SVP of Training on company initiatives and projects. The VP of Mortgage Training is accountable for managing some of the day-to-day duties of the training team, reviewing training materials and postings, ensuring training pages on the company intranet are updated at all times, answering training team questions, and assisting associates who need help. This role maintains effective communication with staff to uphold ALCOVA Mortgage, LLC’s commitment to quality customer service. Duties and Responsibilities - Collaborate with the Senior Vice President of Training regarding overall training strategy. - Manage and lead the training team, ensuring that all team members are equipped to deliver high-quality training and oversee the work of training staff. - Conduct one-on-ones with training team members and provide feedback to support their professional growth. - Work closely with management to align training programs with organizational goals and strategy. - Identify training needs and ensure that training initiatives support company objectives. - Represent the training team professionally regarding company projects and initiatives. - Manage smaller training team projects and initiatives. - Stay updated on the latest mortgage industry trends, regulations, and best practices. - Ensure all training materials and sessions reflect current industry standards and manage necessary changes. - Regularly assess the effectiveness of training programs and make necessary improvements. - Create training collateral – written, videos, training decks, etc. - Conduct live and remote training sessions, including seminars, workshops, and small training modules. - Design, develop, and implement comprehensive training programs for new and existing employees, including but not limited to presentations, software demos, recordings, and job guides. - Aspirations to learn more formal training methods, including: - Learning about adult learning styles. - Learning about the pathways to facilitation. - Developing engagement techniques. - Incorporating games and testing methods into training. - Developing eCourses. Management Accountabilities - Supports and/or adheres to the Company’s mission, core values, and guiding philosophies. - Promotes and pursues the equal treatment of all persons in employment-related decisions without regard for race, color, national origin, sex, religion, age, disability, veteran status, sexual orientation, or any other legally protected status. - Remains alert to new business opportunities, and relays information concerning these to appropriate Company representatives for follow-up. - This position participates in the Company’s strategic planning efforts and/or initiatives to improve business operations and outcomes. Qualifications - High school diploma, or equivalent education and experience; college degree in a relative field preferred. - Training experience, both formal and informal, in the mortgage industry is required. - Must have well-rounded knowledge of the mortgage industry as a whole. - Proficient at troubleshooting and solving problems when issues are escalating. - Able to quickly learn and adapt to new vendors, platforms, and technologies. - Experience training Loan Originators/Officers is preferred. - Expert-level knowledge of Encompass software is required. - Experience using or training in SimpleNexus is preferred. - High-energy, self-motivated, and service-oriented attitude. - Confident and comfortable training large groups. - Experience with Conventional, FHA, VA, USDA, and Bond loan types. - Must have strong verbal and written communication skills. - Must be able to review the training team’s materials in detail for grammar and punctuation errors. - Must feel comfortable offering ideas and suggestions on training collateral created by the team. - Able to identify and resolve problems in a timely manner. - Must be able to evaluate issues, assess risk, and be decisive. - Able to understand and respond appropriately to basic inquiries. - Able to read, write, and communicate using the English language sufficient to perform job functions. - Able to use Company equipment in assigned area (including but not limited to telephone, copiers, fax machines, computers, internet, etc.). - Able to access, input, retrieve, and interpret information using applicable computer systems (including, but not limited to, Microsoft Word, Excel, Outlook, industry-specific computer software, etc.). - Well-versed with keyboard shortcuts and able to identify new ways to complete a task in less time. - Relies on limited experience and judgment to plan and accomplish goals. - Works well both independently and in a group with little supervision. - Compliance with all Bank Secrecy Act (BSA), Anti-Money Laundering (AML) laws, and Office of Foreign Asset Controls (OFAC) requirements is required. Employee must complete annual training in these areas. Work Environment This job operates in a clerical office setting; climate-controlled surroundings with adequate lighting and little or moderate noise when in the office. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Physical Demands This is largely a sedentary role; however, some filing and photocopying is required. This would require the ability to lift files, open filing cabinets, and bend or stand as necessary. Travel This position requires up to 25% travel. Moderate travel needed by private vehicle or airline carriers with overnight stays in modern facilities at times. Regional traffic conditions when traveling by car to and from business appointments. Mileage reimbursement will be provided at current IRS allowable rates. Expected Hours of Work Days and hours of work are Monday through Friday, 8:30 a.m. to 5:00 p.m. Evening and weekend work may be required as job duties demand. Other Duties This position performs additional duties as assigned, given adequate guidance and resources. This Job Description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee to perform this job. Duties, responsibilities, and activities may change at any time with or without notice. EOE D/V/M/F

Role Description The Condo Underwriter is responsible for reviewing and underwriting condominium projects and individual condo unit transactions to ensure compliance with agency, investor, and company guidelines. This role evaluates condominium project documentation, borrower eligibility, collateral risk, insurance coverage, and legal documentation in accordance with current Fannie Mae, Freddie Mac, and FHA Single Unit Approvals (SUA) eligibility requirements. The Condo Underwriter works closely with production, processing, closing, secondary marketing, and quality control teams to support accurate and timely loan decisions while maintaining compliance and risk standards. Duties and Responsibilities - Review and underwrite condominium projects for eligibility under agency and investor guidelines. - Analyze project documentation including: - Condo questionnaires - Budget and financial statements - Master insurance policies - Documentation such as HOA and litigation - Reserve studies - Special assessments - Owner occupancy ratios - Commercial space allocations - Determine project eligibility for: - Limited/full - CPM/project - Detached condo - Established/new project classification reviews - Evaluate projects for compliance with current agency requirements related to: - Financial stability - Insurance adequacy - Litigation exposure - Delinquency thresholds - Investor concentration - Project completion status - Property usage restrictions - Review and validate borrower loan files as they relate to condominium eligibility and collateral acceptability. - Ensure all underwriting decisions comply with: - Agency guidelines - Investor overlays - Federal/state regulatory requirements - Internal credit policy - Issue clear underwriting conditions and communicate decisions effectively to operations staff. - Maintain current knowledge of agency updates, lender bulletins, and condominium project policy changes. - Assist with internal audits, post-closing reviews, and investor due diligence requests. - Meet established service quality standards and productivity goals. Qualifications - 3+ years’ experience in the mortgage industry required. - DE (Direct Endorsement) designation not required upon hire but must be acquired. - VA SAR/LAPP (Staff Appraiser Reviewer / Lender Appraiser Processing Program) designations preferred. - Bachelor’s degree in business, Finance, or a related field required. - Strong analytical decision-making and problem-solving abilities. - Excellent mortgage loan processing system computer skills. - Encompass experience preferred. - Demonstrates success in a fast-paced, high-stakes environment. - Aptitude for maintaining professional relationships with coworkers. - Highly motivated, ambitious, and driven to succeed. - Trustworthy, honest, and able to display a high level of integrity. - Ability to identify and resolve problems in a timely manner. - Ability to understand and respond appropriately to basic inquiries. - Ability to read, write, and communicate sufficiently to perform job functions. - Ability to use Company equipment in assigned area (including but not limited to telephone, copiers, fax machines, computers, internet, etc.). - Ability to access, input, retrieve, and interpret information using applicable computer systems (including, but not limited to, Microsoft Word, Excel, Outlook, industry-specific computer software, etc.). - Ability to multi-task (e.g., simultaneous usage of several applications, etc.). - Well-versed with keyboard shortcuts and able to identify new ways to complete a task in less time. - Compliance with all Bank Secrecy Act (BSA), Anti-Money Laundering (AML) laws, and Office of Foreign Asset Controls (OFAC) requirements are required. Employees must complete annual training in these areas. Work Environment This job operates in a clerical office setting; climate-controlled surroundings with adequate lighting and little or moderate noise when in the office. This role routinely involves standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Physical Demands This is largely a sedentary role; however, some filing and photocopying is required. This would require the ability to lift files, open filing cabinets, and bend or stand as necessary. Expected Hours of Work Days and hours of work are Monday through Friday, 8:30 a.m. to 5:00 p.m. Evening and weekend work may be required as job duties demand. Other Duties This position performs additional duties as assigned, given adequate guidance and resources. This Job Description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee to perform this job. Duties, responsibilities, and activities may change at any time with or without notice. EOE D/V/M/F

Role Description The Software Engineer II is responsible for designing, developing, and maintaining software solutions that support ALCOVA Mortgage’s internal operations, integrations, and business processes. This role focuses on building scalable, secure, and efficient applications and services, with an emphasis on API integrations, automation, and cloud-native development. This position requires strong collaboration with business stakeholders, other Technology teams, and third-party vendors to deliver reliable and maintainable solutions that enhance productivity and support company growth. Duties and Responsibilities - Design, develop, test, and maintain software applications, services, and integrations - Build and maintain APIs, webhooks, and integrations between internal systems and third-party platforms (including Encompass and other mortgage-related systems) - Develop automation solutions to improve operational efficiency and reduce manual processes - Participate in all phases of the software development lifecycle - Collaborate with business stakeholders to translate requirements into technical solutions - Develop and maintain CI/CD pipelines - Deploy and manage applications within Microsoft Azure - Monitor application performance and troubleshoot issues - Write clean, maintainable, and well-documented code - Perform code reviews and contribute to development standards - Ensure applications meet security and compliance requirements - Maintain and improve existing systems - Create and maintain technical documentation - Stay current with emerging technologies - Assist in evaluating third-party tools and services - Provide support for production systems - Additional duties as assigned Qualifications - 5+ years of software development experience - Bachelor’s degree in a related field or equivalent experience - Proficiency in Python and JavaScript (Node.js) - Experience with RESTful APIs and webhooks - Experience with CI/CD and DevOps practices - Experience with Microsoft Azure - Database experience - Strong understanding of development principles - Experience with Git - Troubleshooting skills - Strong attention to detail - Communication skills - Ability to work remotely - Ability to manage priorities - Initiative and accountability - Preferred: Mortgage industry or Encompass experience - Preferred: Docker or containerization - Preferred: Infrastructure as code - Preferred: Security best practices knowledge - Preferred: Legacy system modernization - Preferred: AI Technology and assisted tools (e.g., Cursor, Copilot), APIs, Vector databases, etc. Work Environment This position operates in a remote work environment using standard office equipment. Physical Demands This is largely a sedentary role; however, standing for extended periods of time may be required. This would require the ability to lift files, open filing cabinets, and bend or stand as necessary. Travel Occasional business travel may be required by private vehicle or airline carriers with overnight stays in modern facilities at times. Regional traffic conditions when traveling by car to-and-from business appointments. Mileage reimbursement will be provided at current IRS allowable rates. Expected Hours of Work Days and hours of work are Monday through Friday, 8:30 a.m. to 5:00 p.m. Evening and weekend work may be required as job duties demand. Other Duties This position performs additional duties as assigned, given adequate guidance and resources. This Job Description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee to perform this job. Duties, responsibilities and activities may change at any time with or without notice.

Role Description The Closer will be responsible for closing all loans according to the proper product type, investor, agency and internal guidelines, state and federal guidelines, and all ALCOVA Mortgage processes and procedures in an accurate and timely manner. The Closer is responsible for the accurate preparation of compliant closing documents to ensure that they are salable on the secondary market. The Closer will communicate with internal staff and outside agencies to facilitate all closing issues in a timely manner. Duties and Responsibilities - Prepares closing documents based on loan product parameters and sends closing documents to settlement agency once loans are clear to close. - Balances Closing Disclosure with settlement agent and issues Final Closing Disclosure to be signed by Borrower at closing. - Clears any open loan conditions dependent on loan parameters. Qualifications - Minimum of three (3) years of mortgage experience and a demonstrated willingness to learn. - Prior mortgage closing experience is strongly preferred. - High School diploma, or equivalent experience; college degree preferred. - Knowledge of Encompass software strongly preferred. - Must have experience with closing State Agency Housing Loans. - Working knowledge of the Real Estate Settlement Procedures Act (RESPA). - Highly motivated, ambitious, and driven to succeed. - Trustworthy, honest, and able to display a high-level of integrity. - Able to work effectively in a team environment. - Strong attention to detail and accuracy. - Effective written and verbal communication skills. - Able to identify and resolve problems in a timely manner. - Able to apply basic mathematical concepts such as adding, subtracting, multiplying and dividing. - Able to understand and respond appropriately to basic inquiries. - Able to read, write, and communicate using the English language sufficient to perform job functions. - Able to use standard office equipment including but not limited to telephone, copiers, scanners, computers, Internet, etc. - Able to access, input, retrieve, and interpret information using applicable computer systems, including, but not limited to, Microsoft Word, Excel, Outlook, industry-specific computer software, etc. - Able to multi-task (e.g., simultaneous usage of several applications, etc.). - Well-versed with keyboard shortcuts and able to identify new ways to complete a task in less time. - Relies on limited experience and judgment to plan and accomplish goals. - Works well both independently and under general supervision. - Displays a degree of creativity and latitude. - Able to handle deadlines and working within banking guidelines. - Able to recommend ways to improve closing processes. - Compliance with all Bank Secrecy Act (BSA), Anti-Money Laundering (AML) laws, and Office of Foreign Asset Controls (OFAC) requirements is required. Employee must complete annual training in these areas. Work Environment This job operates in a clerical office setting based out of your home with climate-controlled surroundings, adequate lighting, and little or moderate noise when in the office. In this role, the individual routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Physical Demands This is largely a sedentary role; however, some filing and photocopying is required. This would require the ability to lift files, open filing cabinets, and bend or stand as necessary. Expected Hours of Work Days and hours of work are Monday through Friday, 8:30 A.M. to 5 P.M. Evening and weekend work may be required, as job duties demand. Other Duties This position performs additional duties as assigned, given adequate guidance and resources. This Job Description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. EOE D/V/M/F

Role Description The Processor plays an integral role in the mortgage origination loan process within ALCOVA Mortgage. The Processor is responsible for reviewing and validating all information presented on the Loan Application by the borrower. Processors work closely with Loan Officers and borrowers to ensure loan applications are thoroughly completed and adhere to Company, investor, and industry established standards. The Processor must have excellent 'people skills' and be driven with the desire to make sure every client has a positive experience with ALCOVA Mortgage. Duties and Responsibilities - Handles all areas of mortgage loan processing, such as: - Analyzing income and asset documentation - Reviewing appraisals, sales contracts, and titles - Submitting files to an Automated Underwriting System - Processing loans in Encompass (loan origination system) - Ordering mortgage insurance - Collects documentation as required to support information provided on the loan application - Ensures accuracy and completeness of all files and submits completed loan files to Underwriting - Thoroughly reviews and resolves any and all documentation or factual discrepancies prior to submission of the loan to the Underwriting Department - Reviews file documentation to ensure all necessary items have been requested (e.g., purchase contracts, bankruptcy papers, trust documents, etc.) - Orders third-party reports - Maintains dialogue with Loan Officers, Branch Managers, borrowers, lenders, title companies, and other parties as needed - Must maintain mortgage loan information confidentiality - May manage multi-state loan pipeline of loans - Communicates to Processing Manager if unable to achieve a timeline or to resolve an error - Escalates any suspected fraudulent files to Compliance Team - Manages key dates, such as: - Lock expiration - Contingency date - Contract date - Credit doc expiration - All compliance related dates - Partners with Loan Officers and Underwriters on difficult and/or exception transactions - Assists Quality Control, Closing, and Post-Closing Departments on loan files, when necessary Qualifications - High school diploma or equivalent - Minimum of at least one year of mortgage processing experience required. Relevant experience may be considered - Working knowledge of: - Encompass - Desktop Underwriter - Loan Prospector - GUS - Microsoft Office (Word, Excel, and Outlook) - Internet applications - Knowledge of regulatory and compliance guidelines and required state and federal disclosures - Ability to adapt to changing environments, situations, and job responsibilities - Capacity to work in a team-oriented environment from a remote workplace - Ability to prioritize complex diversified responsibilities and multi-task in a fast-paced environment - Strong organizational and time management skills to balance workload and meet deadlines - Must be willing to assist teammates and build strong relationships with Loan Officers and Operations team members to achieve closing goals - Excellent interpersonal and communication skills (verbal and written) - Self-starting, self-reliant, highly motivated and dependable - Technologically savvy and comfortable learning new computer systems and programs - Working knowledge of state and federal lending guidelines and a thorough understanding of the processes and procedures - Knowledge of Fannie Mae, Freddie Mac, FHA, USDA, VA, and other investor guidelines - Working knowledge of the VA Portal - Ability to operate under immense pressure and manage stress well - Compliance with all Bank Secrecy Act (BSA), Anti-Money Laundering (AML) laws, and Office of Foreign Asset Controls (OFAC) requirements is required. Employee must complete annual training in these areas Work Environment This job operates in a clerical office setting with climate-controlled surroundings, adequate lighting, and little or moderate noise when in the office. These standards must be met if working remotely. In this role, the individual routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Physical Demands This is largely a sedentary role; however, some filing and photocopying is required. This would require the ability to lift files, open filing cabinets, and bend or stand as necessary. Expected Hours of Work Days and hours of work are Monday through Friday, 8:30 A.M. to 5 P.M. Evening and weekend work may be required, as job duties demand. Other Duties This position performs additional duties as assigned, given adequate guidance and resources. This Job Description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.