CarringtonCrisp

• Conduct a root-cause analysis on identified issues, take ownership of the issue from identification to resolution including communicating possible downstream implications. • Defining the exceptions and report requirements needed to ensure accurate default reporting. • Work closely with default management on identified issues and/or regulatory changes and analyze business processes and recommend improvements to correct data reporting errors. • Validate and troubleshoot exception reports and default data from the system of record to ensure any discrepancies are being identified. • Perform data analysis to ensure accuracy before delivery to internal and external customers. • Alter existing reports to provide data for ad-hoc business needs. • Create and maintain documentation of processes (i.e., job aides, reports, and procedures) and ensure they are up to date and accurate as all times per department policy. • Perform other duties and projects as assigned.

• Rotate through the various lines of business/entities in order to gain a strong knowledge of each area and a solid understanding of the organization as a whole, both functionally and culturally. • Build technical/industry knowledge, while learning existing processes and developing strong working relationships and partnerships. • Focus on understanding and assisting the management team in the completion of the strategic goals and objectives as assigned by the business unit leaders during the designated rotation period. • Attend training courses, department meetings, job shadowing and any other learning forums the business unit may assign/offer, in order to expand your knowledge of the business. • Work on special projects, as needed by the business units during the rotation period. • SMA may be pulled into a special project at any time with little notice. • Participate in both formal and ad-hoc on-the-job training. • Develop and communicate complex analyses that could be used by the business leader in support of key business decisions. • Maintain and foster key relationships with business leaders across the organization to help develop a better understanding of each business unit and how all of the business units work together. • Attend all SMA Program activities and mentor other Management Associates while they are doing their rotations. • Partner with fellow SMA peers as needed for ongoing support, cross-sharing of knowledge, and assistance with navigating through various business units. • Meet periodically with the Program Manager/Advisor to keep them informed; provide a monthly status report. • Perform other duties and projects as assigned.

• Develop and execute a comprehensive mortgage division marketing strategy aligned with corporate goals and growth objectives. • Serve as the primary marketing leader for the mortgage lending division, providing strategic direction and thought leadership. • Create annual marketing plans, budgets, forecasts, and performance metrics. • Identify emerging market opportunities, customer trends, and competitive threats. • Present marketing performance, strategy updates, and business recommendations to executive leadership. • Strengthen and protect the mortgage division's brand positioning across all customer and partner touchpoints. • Ensure consistency in messaging, visual identity, and customer experience. • Develop value propositions and differentiate market positioning for mortgage products and services. • Oversee reputation management and brand awareness initiatives. • Lead development of integrated marketing campaigns to drive mortgage applications and funded loan volume. • Optimize marketing channels including digital advertising, search engine marketing (SEM), social media, email marketing, content marketing, events, and direct marketing. • Partner with sales leaders to generate high-quality leads and improve conversion performance. • Develop strategies to increase purchase mortgage business, refinance opportunities, and retention programs. • Oversee digital marketing strategy, including website optimization, SEO, SEM, social media, analytics, and marketing automation. • Enhance customer journey mapping and lead nurturing programs. • Utilize customer data and analytics to improve engagement, conversion rates, and customer satisfaction. • Drive innovation in digital customer experiences and mortgage marketing technologies. • Collaborate with product and business leaders to develop marketing strategies for new products and services. • Conduct market research, customer analysis, and competitive assessments. • Support geographic expansion and new market entry initiatives. • Develop targeted segmentation strategies for homebuyers, homeowners, real estate professionals, builders, and referral partners. • Build, lead, mentor, and develop a high-performing marketing organization. • Establish clear goals, accountability measures, and professional development plans. • Foster a culture of innovation, collaboration, and results-driven performance. • Manage internal teams, agencies, consultants, and vendor relationships. • Establish key performance indicators (KPIs) and marketing effectiveness measures. • Monitor campaign performance, return on investment (ROI), customer acquisition costs, and funnel conversion metrics. • Utilize data insights to optimize spending and improve business outcomes. • Deliver executive-level reporting and recommendations. • Ensure all marketing activities comply with applicable federal, state, and industry regulations. • Partner with Legal, Compliance, and Risk teams to review marketing materials and campaigns. • Maintain adherence to consumer protection, advertising, fair lending, privacy, and disclosure requirements. • Promote ethical marketing practices and regulatory compliance throughout the division.

• Responsible for daily input of loan applications submissions from wholesale brokers into internal loan origination system. • Perform all duties in accordance with company policies and procedures and all state and federal regulations. • Receives loan applications submissions from wholesale brokers either by electronic data file or hard copy file. • Enter or verifies information into loan origination system. • Reviews new loan documentation to assure accuracy. • Submits file to Wholesale Account Manager for processing. • Assists departmental support staff when necessary

• Perform examination of title to real property, ranging in complexity, to determine status and to establish chain of title. • Review title search reports and their documentation in a timely and thorough manner. • Verify that the information in the title search and accompanying documentation is accurate and complete. • Resolve any issues such as missing information, incomplete, inaccurate or contradictory information contained in the title documentation • Abstract and analyze deeds, deeds of trust/mortgages, easements, judgments, tax assessments, mineral reservations, and other applicable instruments. • Verify ownership and encumbrances of real property. • Perform other duties as assigned.

• Manages foreclosed assets; maintains and lists REO properties; negotiates offers with buyer; and liquidates assets to maximize profits and reduce loss severity. • Carries out management initiatives in accordance with the organization’s policies and applicable laws using judgment and discretion including; training vendors, planning, assigning vendor work balance, monitoring vendor performance, addressing complaints, and resolving problems. • Works with real estate agents, foreclosure department, accounts payable, title companies, attorneys, marketing coordinators, closers, eviction coordinators, and management and clients. • Completes for review by management, an executive summary on high-risk assets as needed. • Oversees the execution of Homeowner Association (HOA) assessments, delinquency matters, and code enforcement issues as they arise. Assures resolution of matter by the party responsible (e.g., property preservation, field services, and/or agent network tax monitoring, CFK, and evictions.) • Performs other duties and special projects, as assigned.

• Design and document the secure-by-default reference architecture for AI workloads on Microsoft Azure, including identity, network isolation, secrets management, data boundaries, monitoring, and audit. • Architect and operate production AI workloads on Azure AI Foundry, including model deployment, evaluation, and monitoring. • Establish and operate an end-to-end AI governance framework — intake, risk classification, audit trail, and executive reporting — aligned to NIST AI RMF and ISO/IEC 42001. • Define the design and security standard for Model Context Protocol (MCP) servers — authentication, transport, tool surface, least-privilege exposure, and audit — and curate the approved tool library. • Design enterprise landing-zone and Well-Architected patterns for AI — subscription and management-group structure, policy guardrails, networking, and cost/quota strategy for Azure OpenAI and Foundry. • Implement identity and access architecture using Microsoft Entra ID, RBAC, managed identities, and conditional access, including on-behalf-of flows for agentic applications. • Define retrieval and data architecture patterns — RAG, Azure AI Search, embeddings, chunking, and retrieval-quality evaluation. • Apply AI governance tooling — Microsoft Purview, custom Azure Policy, and Defender for Cloud — to AI workloads for data classification and security posture management. • Document every AI workload in production — ownership, model, data, controls, evaluation, and runbook — so the platform is survivable and can be safely handed off. • Author architecture decision records (ADRs), architecture briefs, and board-ready risk language for executive, legal, and risk stakeholders. • Partner with the engineering team to onboard them against the reference architecture and tool library, and review designs for security and compliance. • Stay current with advancements in the Azure AI platform, agent frameworks, and AI governance standards, and apply this knowledge to improve our foundation. • Provide technical leadership and mentorship across the AI program. • Ensure compliance with data privacy, security, and AI governance requirements.

• Support the processing of the bi-weekly and semi-monthly payrolls. • Identify timekeeping errors and approvals and work with managers to resolve. • Review wages computed and correct errors to ensure accuracy of payroll. • Prepare and issue manual paychecks, void checks, and place stop payments, as needed. • Respond and set-up garnishments and maintain accurate records for employee and/or garnishment agency inquiries. • Handle associate questions and problem resolution. • Run or prepare various standard and ad-hoc payroll reports. • Identify process improvement opportunities for the overall payroll department and make recommendations or changes when deemed necessary for greater efficiency. • Respond to various tax inquiries. • Research and correct payroll tax issues. • Facilitate internal and external audits to stay compliant. • Perform routine audits to ensure the data in the payroll system is accurate. • Perform other duties as assigned.

• Carry out management responsibilities in accordance with the organization’s policies and applicable laws, including hiring and training employees; planning, assigning, and directing work; monitoring performance; rewarding and disciplining employees; addressing complaints; and resolving problems. • Oversee all aspects related to the CMS Vendor Management department personnel and third-party vendor relationships. • Oversee vendor onboarding due diligence requirements according to Company policy. • Proactively review and analyze current business processes and identify opportunities to increase compliance and operational efficiencies. • Prepare risk assessments of new and existing vendors and develop strategies and procedures to minimize risk. • Manage, monitor, and track compliance of all third-party vendors to regulatory and internal policy by ensuring activities adhere to established service level. • Oversee and monitor vendor complaints according to Company Policy. Assess and assign risk tolerance based on regulatory requirements. Manage action plans as needed to ensure compliance. • Serve as first point of contact if vendors are non-responsive to team requests. Escalate items immediately if vendor remains non-compliant. • Oversee monthly vendor scorecard review process. Including but not limited to timely completion, performance analysis, action plan documentation and follow up. Ensure proper tracking, measurement, and reporting to evaluate vendor performance using the vendor scorecard performance and monthly trending analysis. • Oversee vendor scorecard meetings to ensure active follow up on automation and business unit requirements. • Reports to company Senior Management on third party vendor performance, compliance status, quality of services provided, etc. • Monitor, evaluate, and approve department forms, job aides and/or documents to ensure compliance and timeliness as it relates to vendor management. • Conduct periodic risk reviews of critical/high risk vendors. • Manage VM Quality Assurance team day-to-day operations. • Manage and conduct periodic performance review meetings with associates. • Perform other duties as assigned.

• Support assigned Account Executives(s) and TPO sales management. • Responsible for assisting with tasks related to quality loan processing, reviewing files for adherence to underwriting standards and ensuring completeness of submission. • Provide backup assistance for assigned Account Executive(s) in their absence, including assisting brokers and resolving issues. • Support marketing efforts and work with brokers to facilitate timely loan closings. • Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. • Enter new contacts into the system. • Input loan applications manually. • Schedule zoom sales calls with new brokers and existing clients. • Organize and input loan information received into the Loan Origination System. • Gather loan applications, credit documents, appraisals, etc. • Monitor incoming documents verifying data collected by Account Executives. • Pull or verify credit reports and flood certs as needed. • Send welcome mails to new accounts and loan officers. • Send thank you emails to brokers after closing. • Set up company approved LinkedIn marketing for daily posts. • Review all expiring locks to ensure extensions. • Reach out to brokers regarding the month’s closings to push condition submittal and ensure account manager is aware of any updates or discovered items; note findings in conversation log. • Proactively monitor pipeline to ensure timely funding of loans. • Serve as point person on marketing projects, lead management assignments, and other projects intended to increase assigned Account Executive(s) sales, personal branding, and lead generation and conversion goals. • Coordinate in person and online marketing events. • In conjunction with sales management and assigned Account Executive(s), identify methods to expand assigned Account Executive(s) business model. • Provide backup assistance for assigned Account Executive(s) in their absence, including assisting brokers and resolving issues. • Ensure the quality and compliance Company policies, procedures, and investor guidelines. • Prepare reports for Account Executive(s) and sales management. • Develop individual relationships with assigned Account Executive(s) to determine any additional assistance that may be needed on a case by case basis.