Cascade Financial Services

Role Description As a Chattel Closing Assistant, you will provide support to the Closing team throughout the loan closing and funding process. Working under the direction of the Closing Manager, you will assist with pipeline management, document review, condition collection, borrower and builder communication, and funding preparation. This entry-level role is designed to develop a thorough understanding of all closing and funding functions, with the expectation of learning the full Closing Specialist role and providing pipeline coverage during team member absences. Key Responsibilities - Assist with maintaining loan pipelines and providing status updates to borrowers, builders, and internal partners. - Support the closing and funding process by sending closing documents, tracking signatures, and following up on outstanding requirements. - Collect, review, and organize funding conditions and supporting documentation for accuracy and completeness. - Obtain verifications of employment, address verifications, and other required borrower documentation. - Review signed closing documents and identify missing items or discrepancies for resolution. - Assist with accurately updating loan statuses and clearing funding conditions in accordance with established workflows. - Maintain regular follow-up on document signatures, funding conditions, and loan status updates to support timely funding. - Learn and understand all closing documents, workflows, policies, and funding procedures. - Support funding preparation and communicate clearly and accurately with Accounting and other internal departments as directed. - Adhere to all compliance requirements, service level expectations, and funding timelines. - Provide coverage and support for loan pipelines during Closing Specialist absences and periods of increased volume. - Escalate issues promptly and according to established escalation procedures. - Perform additional duties and special projects as assigned by the Closing Specialists or Closing Manager. Qualifications - Proficient knowledge of Microsoft Office. - High School Diploma (or equivalent) or two years consistent work history is required. - Ability to communicate professionally and effectively with borrowers, builders, and team members to support a positive customer and team experience. - Capable of handling multiple assignments simultaneously while remaining organized and responsive to team needs. - Ability to adjust easily to work situations based on team member, group, or business needs. - Excellent listening, organizational, and time management skills. Benefits - Medical - Dental - Vision - Life Insurance - 401K match - PTO - Sick Time - 10 Paid Holidays - Remote work opportunities

Role Description As the Processing Manager of our Portfolio Division, you run the processing teams day to day and own the quality, speed, and consistency of how loans move through the department. This is a critical role. You know the guidelines inside and out, and you build teams that people want to be part of. You are comfortable with portfolio products, which we consider chattel and land home, and you can guide your team across all of them. You report to the Director of Processing and oversee the Assistant Processing Manager(s) for Portfolio. You create and maintain the policies, procedures, and best practices that keep the team aligned, and you make sure standards are followed without losing the human side of leading people. You must be able to adapt quickly to changing priorities and step in to assist in a variety of tasks whenever needed. Key Responsibilities - Leadership and Development - Lead, coach, and develop the Assistant Processing Managers, and support the processors underneath them. - Interview and hire candidates for the processing team, building a well-rounded group that fits both the skill and the culture. - Conduct team member reviews, including 90-day reviews, year-end reviews, and scorecard reviews. - Handle team member development: mediation, conflict resolution, verbal and written warnings, performance improvement plans, and termination recommendations. - Run new team member onboarding for the first day, including the introduction email, the commitment to service, single point of contact, the company introduction, and the manufactured versus modular overview. - Manage promotions, awards, and incentive programs for the team. - Operations and Quality - Spot check processor pipelines to keep quality and turn times where they need to be. - Strong understanding of underwriting guidelines and relay those guidelines, procedures, and process changes to the department and field scenario questions. - Conduct processing meetings and finalize meeting minutes ahead of each meeting. - Grant exceptions within your authority, lower dwelling coverage insurance exceptions, and cancellations. - Recommend and implement process improvements and new technology that make the team faster and more accurate. - Forecast pipeline and production goals and manage the team to hit them. - Effectively work with underwriting, closing, and origination to create streamline processes and hit daily and monthly goals. - Training Support - Support training efforts including Reg U classes, spot training, and rollout of new processes and guidelines. - Meet regularly with the training team on new processor progress and sign off on releasing processors from training. - Own second level escalated complaints from borrowers, dealers, realtors, and other partners. - Speak up across departments when you see a better way to do something. Improvement is everyone's job. Qualifications - 5+ Years in mortgage processing and/or underwriting - Extensive Encompass Experience - Track record of meeting or exceeding department goals. - Deep knowledge of mortgage guidelines, with a focus on Chattel and land home products. - Proven leadership and team building skills, with the respect of the people you lead. - Experience managing performance, handling hard conversations, and developing people. - Strong grasp of pipeline management, SLAs, and production metrics. - Recent working knowledge of Encompass and experience with tasked based workflow a plus. - Ability to work under deadline pressure and manage competing priorities. - Strong interpersonal communication and a steady, approachable leadership style. - Manufactured Housing knowledge required. - Construction to Permanent Financing experience a plus. Benefits - Medical - Dental - Vision - Life - 401K match - PTO - Sick Time - 10 Paid Holidays - Remote work opportunities

Role Description Serve the American Dream Through Attainable Home Ownership. As the Processing Assistant, you are responsible to assist the Senior Loan Processors in gathering and organizing information for the loan file. Make timely follow-up calls to quickly compile accurate file information. - Assisting the Senior Processor - Order services needed and as directed by Sr. Processor for file packaging. - Following-up continually on all requested items, and working in an efficient manner. - Customer service: Working with vendors, AMC’s, title companies, banks, etc. to gather the necessary information for a complete loan file. - Ensuring accuracy and completeness of loan documentation necessary for loan approval and closing. - Ordering Appraisals based on mortgage channel. - Researching the information through various websites. - Progressing through phase training to advance to Loan Processor as positions open. - Assisting with other duties as necessary. Qualifications - 2+ years in an administrative or customer service position. - Must be computer literate including email, typing, managing multiple monitors, searching the internet, recognizing internet connectivity issues due to remote position, setting up user names and passwords, working with multiple software at a time (Outlook, Excel, Word, etc). - Experience in a high-pressure, fast-paced work environment. - Knowledge of mortgage or banking practices a plus, but not required. - Working knowledge of Microsoft Office, specifically Word and Excel. - Excellent listening, organizational, and time management skills, and ability to learn quickly. - Ability to interpret and make conclusions based on available information. - Willingness to travel to our corporate office in Chandler, AZ up to 1x per year. Benefits - Medical - Dental - Vision - Life - 401K match - PTO - Sick Time - 10 Paid Holidays - Remote work opportunities Company Description Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Attainable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing marketplace leveraging state-of-the-art business automation coupled with the most skilled professionals in the industry. The Cascade culture lives in our team members! We are focused and dedicated to developing and providing a platform for growth. We are proud of the team that we've built and are looking for great people who will embrace our values and contribute to them: T.I.E.S (Teamwork, Integrity, Excellence, and Service). We believe in work/life balance and a positive/family-like work environment. Together, we will continue to lead the way and make a difference. Join our team and assist us to Serve the American Dream Through Attainable Home Ownership.

Role Description As Processing Assistant Trainer, you will both do the work (as needed) and improve how the work is taught. You will train new and existing processing assistants onshore and offshore on assistant processing tasks, appraisal ordering, system use, and Encompass across all processing business channels, while also building a more modern, scalable training program. - Build a scalable, multi-modal curriculum that includes self-paced modules, short videos, interactive job aids, and searchable knowledge bases. - Deliver training through the right format for the topic, mixing live sessions, recorded walkthroughs, AI-assisted practice, and async content. - Measure what’s working by tracking ramp time, knowledge checks, error rates, and post-training performance. - Provide clear, objective performance feedback on trainees and surface patterns that point to process or system improvements. - Stand up training for new operational rollouts, LOS changes, and process updates quickly. - Be the go-to resource for new processing assistants during ramp-up, capturing recurring questions and turning them into job aids or FAQs. - Direct traffic and assist when needed to help clear out backlogged tasks. - Encourage and motivate trainees as they calibrate to new experience. - Build out Phased Training as a clear upskilling track for processing assistants. - Cover Processors pipelines in their absence as needed. - Look for ways to use technology, including AI tools, to reduce repetitive training overhead. Qualifications - 2+ years as a processing assistant or equivalent. - Strong understanding of FHA, VA, GSE, and Chattel lending. - Excellent listening, organizational, and time management skills. - Ability to work under stressful deadlines and manage competing priorities. - Strong interpersonal communication and team building skills. - Strong training, public speaking, and presentation skills. - Excellent communication skills, attention to detail, and ability to develop quality training material. - Proficient in time management, organization, planning, and prioritization. - Proficient in Microsoft Word, Excel, Outlook, and PowerPoint. - Construction to Perm (CTP) or New Construction loan experience a plus. - Comfort with technology and willingness to try new tools. - A creative, problem-solving mindset. Requirements - Strong training, public speaking, and presentation skills. - Excellent communication skills and attention to detail. - Proficient in Microsoft Office Suite. - Experience with AI-assisted training tools is a plus. Benefits - Medical, Dental, Vision, Life insurance. - 401K match. - PTO and Sick Time. - 10 Paid Holidays. - Remote work opportunities.

Role Description As a Chattel Closing Specialist, you will work directly with the borrowers and builders in the loan funding process. You will be required to maintain a funding pipeline and should understand the doc drawing/funding process. You will send closing documents, collect and clear conditions, and fund loans. - Perform funding interviews with the borrowers - Acquire verifications of employment and address verification - Review and validate signed closing documents - Maintain regular follow up for doc signatures, conditions, and loans status updates - Understand all closing documents, workflows and policies - Accurately status and clear funding conditions - Adhere to all timing requirements for compliance - Send closing documents and modified/updated documents - Communicate clearly, promptly and accurately with accounting for final funding Qualifications - Proficient knowledge of Microsoft Office - Experience in manufactured home loans is preferred - College education is preferred - Must be able to multitask and work effectively with high amounts of pressure and expectations - Ability to communicate clearly and effectively with clients and team members to create a positive and cooperative work environment - Ability to adjust easily to work situations based on team member, group, or business needs - Excellent listening, organizational, and time management skills - Willingness to travel to our home office in Chandler, AZ up to 4x per year Requirements - Proficient on the computer and with general Microsoft programs - Expert in time management, phone, and multi-tasking - Comfortable working under deadlines - Organized and able to track all tasks and important information Benefits - Medical - Dental - Vision - Life - 401K match - PTO - Sick Time - 10 Paid Holidays - Remote work opportunities

Role Description As a Chattel Loan Processor, you will work in a high volume, fast paced, team-oriented environment. You will be the Single Point of Contact on the loan file outside of conversations that are required to be conducted by a licensed Loan Officer. It will be your responsibility to work directly with the borrower and other outside parties to gather and clear conditions to get the file to closing quickly. Furthermore, the Chattel Loan Processor is responsible for maintaining manufactured home retailer, community, and borrower relationships by offering a high level of service during the loan process. - Serve the American Dream Through Attainable Home Ownership. Qualifications - 3+ years processing experience - 2+ years working in Encompass - Working knowledge of general lending guidelines and compliance laws - Experience in manufactured home loans is preferred - Experience closing construction loans is preferred - Must be able to multitask and work effectively with high amounts of pressure and expectations - Ability to communicate clearly and effectively with clients and team members to create a positive and cooperative work environment - Ability to adjust easily to work situations based on team member, group, or business needs - Excellent listening, organizational, and time management skills Requirements - Proficient on the computer and with general Microsoft programs. - Expert in issuing accurate conditions for portfolio loans based on the borrower’s unique characteristics and working with the borrower to meet those conditions. - Qualified to underwrite and clear credit and income conditions on portfolio loans. - Demonstrate consistent and accurate judgment in clearing conditions after a formal training process. - Excellent in time management, phone, and multi-tasking to maintain department SLAs. - Comfortable working under deadlines and being compensated for completing job function based on predefined key performance indicators. Benefits - Medical - Dental - Vision - Life - 401K match - PTO - Sick Time - 10 Paid Holidays - Remote work opportunities Company Description Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Attainable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing marketplace leveraging state-of-the-art business automation coupled with the most skilled professionals in the industry. The Cascade culture lives in our team members! We are focused and dedicated to developing and providing a platform for growth. We are proud of the team that we've built and are looking for great people who will embrace our values and contribute to them: T.I.E.S. (Teamwork, Integrity, Excellence, and Service). We believe in work/life balance and a positive/family-like work environment. Together, we will continue to lead the way and make a difference. Join our team and assist us to Serve the American Dream Through Attainable Home Ownership.

Medical, Dental, Vision, Life, 401K match, PTO, Sick Time, 10 Paid Holidays, Remote work opportunities What you'll do at Cascade: Serve the American Dream Through Attainable Home Ownership. Top hourly pay! Starting at $22/Hour+ and up to $750/month in bonus! Full desktop equipment provided! Industry leading company with great culture and A+ BBB Ranking! *Remote, Chandler, AZ* *Remote, Rapid City, SD* Summary: The Loan Counselor is responsible for managing mobile home mortgage accounts from early-stage delinquency through resolution (“cradle to grave”). This role focuses on borrower outreach, payment collection, counseling, and loss mitigation when repayment is not immediately achievable. The Loan Counselor works GSE, FHA, VA, Freddie Mac, and Conventional loans and ensures compliance with all federal, state, investor, and company guidelines. Key Responsibilities - Manage a portfolio of mobile home mortgage loans across all stages of delinquency - Perform outbound and inbound borrower contact to resolve delinquent accounts - Analyze borrower financial situations and provide counseling on available options - Negotiate repayment plans and resolve delinquencies through full reinstatement - Evaluate eligibility for loss mitigation options, including forbearance, repayment plans, and loan modifications - Initiate and track loss mitigation workflows in compliance with investor guidelines - Maintain accurate and detailed servicing notes in the loan servicing system - Ensure compliance with FDCPA, CFPB, RESPA, and investor requirements - Collaborate with internal departments such as Loss Mitigation, Customer Service, Bankruptcy, and Foreclosure as needed - Meet or exceed individual and team performance metrics Qualifications - - High school diploma or equivalent required; college coursework preferred - 1–3 years of mortgage collections or servicing experience, including mobile homes preferred - Working knowledge of GSE, FHA, VA, and Conventional loan programs - Strong negotiation, communication, and customer service skills - Ability to handle sensitive financial conversations with empathy and professionalism - Proficient with mortgage servicing systems and Microsoft Office About Cascade & Our Culture: Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Attainable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing marketplace leveraging state-of-the-art business automation coupled with the most skilled professionals in the industry. The Cascade culture lives in our team members!!! We are focused and dedicated to developing and providing a platform for growth. We are proud of the team that we've built and are looking for great people who will embrace our values and contribute to them: T.I.E.S. Teamwork, Integrity, Excellence, and Service. We believe in work/life balance and a positive/family-like work environment. Together, we will continue to lead the way and make a difference. Join our team and assist us to Serve the American Dream Through Attainable Home Ownership.

Role Description The Loan Counselor is responsible for managing mobile home mortgage accounts from early-stage delinquency through resolution (“cradle to grave”). This role focuses on borrower outreach, payment collection, counseling, and loss mitigation when repayment is not immediately achievable. The Loan Counselor works GSE, FHA, VA, Freddie Mac, and Conventional loans and ensures compliance with all federal, state, investor, and company guidelines. - Manage a portfolio of mobile home mortgage loans across all stages of delinquency - Perform outbound and inbound borrower contact to resolve delinquent accounts - Analyze borrower financial situations and provide counseling on available options - Negotiate repayment plans and resolve delinquencies through full reinstatement - Evaluate eligibility for loss mitigation options, including forbearance, repayment plans, and loan modifications - Initiate and track loss mitigation workflows in compliance with investor guidelines - Maintain accurate and detailed servicing notes in the loan servicing system - Ensure compliance with FDCPA, CFPB, RESPA, and investor requirements - Collaborate with internal departments such as Loss Mitigation, Customer Service, Bankruptcy, and Foreclosure as needed - Meet or exceed individual and team performance metrics Qualifications - High school diploma or equivalent required; college coursework preferred - 1–3 years of mortgage collections or servicing experience, including mobile homes preferred - Working knowledge of GSE, FHA, VA, and Conventional loan programs - Strong negotiation, communication, and customer service skills - Ability to handle sensitive financial conversations with empathy and professionalism - Proficient with mortgage servicing systems and Microsoft Office Requirements - Top hourly pay! Starting at $22/Hour+ and up to $750/month in bonus! - Full desktop equipment provided! - Industry leading company with great culture and A+ BBB Ranking! - Remote work opportunities Benefits - Medical, Dental, Vision, Life - 401K match - PTO - Sick Time - 10 Paid Holidays

Medical, Dental, Vision, Life, 401K match, PTO, Sick Time, 10 Paid Holidays, Remote work opportunities What you'll do at Cascade: Serve the American Dream Through Attainable Home Ownership. How you’ll do it: As a Portfolio Underwriter, you are responsible for evaluating and assessing the acceptability of all loan documentation submitted by the Loan Processor, and effectively clearing conditions required for full loan approval and loan closing. Underwriters work daily with the Processing and Closing Departments to ensure that all loans and supporting documentation meet guidelines. Daily Responsibilities include: - Analyzing credit, income, assets, purchase contracts, appraisals, title report, and other conditions submitted by the Processor and accept or deny documentation according to requirements. - Receiving, reviewing, and clearing loan conditions within Departmental set timeframes and in accordance with Company guidelines. - Teamwork - Work with Doc/Funders and Processing to ensure workflow remains efficient while maintaining loan quality. What you’ll need to join Cascade: - 3+ years overall residential mortgage experience, preferably in Underwriting - Ability to examine loan documentation for accuracy, acceptability, and completeness - Familiarity with fraud detection techniques - Encompass experience is required - FHA and VA experience is a plus - Manufactured Housing and/or Construction Lending experience is a plus - Excellent interpersonal communication and problem-solving skills - Must be able to work in fast-paced, team environment that involves strict deadlines - Must be willing to work Arizona time shifts (8am to 5 pm, or 7am to 4pm) - Willingness to travel to our corporate office in Chandler, Arizona 2x per year About Cascade & Our Culture: Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Attainable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing marketplace leveraging state-of-the-art business automation coupled with the most skilled professionals in the industry. The Cascade culture lives in our team members!!! We are focused and dedicated to developing and providing a platform for growth. We are proud of the team that we've built and are looking for great people who will embrace our values and contribute to them: T.I.E.S. Teamwork, Integrity, Excellence, and Service. We believe in work/life balance and a positive/family-like work environment. Together, we will continue to lead the way and make a difference. Join our team and assist us to Serve the American Dream Through Attainable Home Ownership.

Medical, Dental, Vision, Life, 401K match, PTO, Sick Time, 10 Paid Holidays, Remote work opportunities What you'll do at Cascade: Serve the American Dream Through Attainable Home Ownership. As the Junior Underwriter working in a 100% paperless environment, you are responsible for reviewing certain conditions submitted by the loan processor after the conditional approval has been issued by the Senior D.E. Underwriter. The Jr. Underwriter evaluates the documentation provided by the processor and assesses the acceptability and clears the condition when acceptable. Junior Underwriters work daily with the Processing and Closing Departments to ensure that all loans and supporting documentation will meet FHA, VA, or GSE Guidelines (as applicable) from loan approval all the way through loan closing. How you will do it: - Reviewing documentation submitted by the processor to clear conditions on front-end residential mortgages (not loan modifications) for FHA, VA, and Conventional Purchases, Full-Doc Refinances, Streamlines, IRRRLs, and Construction-to-Permanent Loans - Analyzing credit, income, assets, property documents, and other conditions submitted by the processor after the loan is conditionally approved by the SR. Underwriter and either accept or deny documentation according to FHA, VA, or GSE Guidelines (as applicable) - Perfecting and Validating AUS loan data and numbers (typically LP), including confirming loan is still approved, as documentation is submitted by the processor - Updating Encompass loan file accurately throughout as documentation is provided - Clearing the Loan to Close by completing a final and thorough final review of the loan file including locking down approved loan terms, protecting loan documentation, clearing all outstanding prior to doc conditions, adding and editing prior to funding conditions, and completing the final clear to close checklist - Maintaining department set benchmarks and SLAs, while ensuring compliance and quality standards are met - Working Effectively with Closers/Funders, Processing, and Sr. Underwriting in different states and time zones to ensure workflow remains efficient while still maintaining loan quality - Adding value to the team by maintaining a positive attitude and remaining flexible as the manager balances the daily, weekly, and monthly workload, especially during peak business days - Assisting with other duties as necessary What you will need to join Cascade: - High School Graduate or Equivalent - One or Combination of the Following: 1) 2+ years front-end mortgage processing and/or underwriting experience or 2) 3+ years consumer loan processing and/or underwriting experience or 3) a combination of 4+ years originating, processing, and/or underwriting experience in consumer loan or residential mortgages - Detail oriented to carefully examine loan documentation for accuracy, acceptability, and completeness - Ability to work in a remote, work-from-home environment with little supervision, high expectations of productivity, and within strict deadlines - Excellent interpersonal communication and problem-solving skills - Familiar with Microsoft products, including Word, Excel, and Outlook - Willingness to travel to our corporate office in Chandler, AZ up to 2x per year What Cascade considers a plus: - Loan Prospect Advisor (LPA) experience a plus - Encompass experience a plus - Manufactured Housing experience a plus - Conventional, FHA, and VA experience is a plus Best Candidate: The best candidate for the Jr. Underwriter position is someone looking for a long-term career path with growth potential in a family orientated company. The candidate appreciates a “promote from within” culture that lays out a clear, transparent path to the coveted DE Certification. The candidate works best on a medium-sized team (under 25 in department) where collaboration and questions are encouraged, and individual and team successes are celebrated. The best candidate has experience reviewing credit, income, and assets but may not have experience decisioning mortgage loans, and in some cases may take a step down in pay in exchange for a long-term goal of becoming a DE Underwriter. Over 90% of the D.E. Underwriting staff started in the Jr. Underwriting position, are still with Cascade, and have backgrounds ranging from loan officer, to processor, to consumer loan professionals and everything in between. About Cascade & Our Culture: Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Attainable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing marketplace leveraging state-of-the-art business automation coupled with the most skilled professionals in the industry. The Cascade culture lives in our team members!!! We are focused and dedicated to developing and providing a platform for growth. We are proud of the team that we've built and are looking for great people who will embrace our values and contribute to them: T.I.E.S. Teamwork, Integrity, Excellence, and Service. We believe in work/life balance and a positive/family-like work environment. Together, we will continue to lead the way and make a difference. Join our team and assist us to Serve the American Dream Through Attainable Home Ownership.