Clayton

• Mentor junior team members through peer reviews and provide guidance on story implementation. • Manage technical scope creep inside stories. • Emphasize working software over gold plated solutions. • Provide root cause analysis for defects and production issues. • Lead design efforts for new functionality, create team understanding that aligns strategic and architectural goals and create appropriate design documentation. • Strive to produce high quality, on time software by utilizing unit tests and partnering with QA to meet acceptance criteria. • Participate in the full SDLC from requirements gathering to testing and delivery. • Identify operational dependencies on other tech teams or support groups. • Break down stories into small, testable units focused on rapid delivery.

Role Description The Underwriter III reviews and evaluates conventional, FHA, VA, and specialty product loans to determine credit worthiness of the borrower, assess risk to the Company, and ensure compliance with federal, state, and Company lending guidelines and regulations. This role is responsible for providing consistency in credit quality and decisions, process flow, and customer service (both internal and external) when determining mortgage loan approval. Job Functions - Loan File Review: - Ensures conventional, FHA, VA, and specialty product loans are compliant and eligible in the secondary market by completing a full credit and risk analysis of the loan file. - Consistently exceeds volume metric of two initial submissions per day with an average of ten loan files per week. - Credit Analysis: - Reviews the borrower’s credit history to assess their credit worthiness and ability to repay. - Includes looking at the borrower’s credit report, credit scores, payment history, debt-to-income ratios, and other financial criteria. - Asset & Debt Evaluation: - Verifies borrower’s assets (e.g., savings, investments, real estate holdings) to ensure sufficient funds. - Checks for existing debt and/or loans that may impact repayment. - Considers the borrower’s ability to make monthly mortgage payments based on their income, employment status, and debt-to-equity ratio. - Confirms borrower’s income and certifies income calculations. - Collateral Review: - Reviews title reports to confirm legal ownership, as well as any liens or encumbrances on the property. - Reviews the appraisal to evaluate the condition of the property being financed. - Risk Assessment: - Uses automated underwriting systems for initial risk scoring. - Performs manual underwriting for complex cases and analyzing compensation factors. - Manages risk and prevents fraud in the lending process by identifying and addressing any potential red flags in the loan application and supporting documents. - Loan Program and Compliance Check: - Confirms loan meets lender & regulatory guidelines (e.g., conventional, FHA, and VA loan requirements). - Ensures compliance with federal & state lending laws (e.g., Truth in Lending Act, Equal Credit Opportunity Act). - Reviews all documentation in the file to ensure it meets applicable agency or investor guidelines. - Loan Approval: - Issues a conditional approval if additional documentation or explanation is required. - Documents underwriting decisions in the Loan Operating System regarding approval to assist with post-closing, quality control, or management, should questions arise. - Communicates with Loan Originators, Processors, and Closers that loan is CTC (Clear to Close). - Administration & Communication: - Works with Loan Originators, Processors, borrowers, and other stakeholders to answer and/or clarify any questions or concerns regarding underwriting decisions, guidelines or conditions. - Assists with internal/external audit requests. - Stays abreast of current trends in the mortgage industry (investor, agency, and government guidelines), changes in regulations and market conditions to ensure that underwriting processes remain current and effective. - Communicates with Loan Originators, Processors, and other team members regarding underwriting decisions, guidelines, and conditions. Qualifications - High school diploma or equivalent required; college degree preferred. - Minimum of 5 years’ experience underwriting conventional, FHA, and VA mortgage loans. - Licenses/Certifications: Direct Endorsement (DE); Staff Appraisal Reviewer/Lender Appraisal Processing Program (SAR/LAPP), VA Credit Authority. - Excellent understanding of investor, agency and government guidelines and systems. - Excellent written and verbal communication skills along with solid computer skills. - Analytical thinker and consultative mind to support both team members and managers in all areas of the business. - Goal-oriented, self-motivated with the capacity to meet and exceed assigned goals. - Willing to learn, industrious, determined, and assertive. - Excellent organizational skills and the ability to multitask to complete a wide variety of tasks. - Strong people skills with ability to interact with all internal teams and external customers. - Must be able to maintain sensitive and confidential information. - Diligence to ensure tasks are completed thoroughly and on time. Benefits - The total expected pay range including bonus for this position is from $110,000 - $140,000. - The stated hiring range is based on experience, qualifications, and other relevant factors. - Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs. Company Description - We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry. - We believe in giving back and we do so through The Silverton Foundation. - Our strong communication skills drive customer satisfaction. - We offer extensive product lines and maintain an in-house loan process that offers a competitive edge. - We have fun!

Role Description The Underwriter III reviews and evaluates conventional, FHA, VA, and specialty product loans to determine credit worthiness of the borrower, assess risk to the Company, and ensure compliance with federal, state, and Company lending guidelines and regulations. This role is responsible for providing consistency in credit quality and decisions, process flow, and customer service (both internal and external) when determining mortgage loan approval. Job Functions - Loan File Review: - Ensures conventional, FHA, VA, and specialty product loans are compliant and eligible in the secondary market by completing a full credit and risk analysis of the loan file. - Consistently exceeds volume metric of two initial submissions per day with an average of ten loan files per week. - Credit Analysis: - Reviews the borrower’s credit history to assess their credit worthiness and ability to repay. - Includes looking at the borrower’s credit report, credit scores, payment history, debt-to-income ratios, and other financial criteria. - Asset & Debt Evaluation: - Verifies borrower’s assets (e.g., savings, investments, real estate holdings) to ensure sufficient funds. - Checks for existing debt and/or loans that may impact repayment. - Considers the borrower’s ability to make monthly mortgage payments based on their income, employment status, and debt-to-equity ratio. - Confirms borrower’s income and certifies income calculations. - Collateral Review: - Reviews title reports to confirm legal ownership, as well as any liens or encumbrances on the property. - Reviews the appraisal to evaluate the condition of the property being financed. - Risk Assessment: - Uses automated underwriting systems for initial risk scoring. - Performs manual underwriting for complex cases and analyzing compensation factors. - Manages risk and prevents fraud in the lending process by identifying and addressing any potential red flags in the loan application and supporting documents. - Loan Program and Compliance Check: - Confirms loan meets lender & regulatory guidelines (e.g. conventional, FHA, and VA loan requirements). - Ensures compliance with federal & state lending laws (e.g., Truth in Lending Act, Equal Credit Opportunity Act). - Reviews all documentation in the file to ensure it meets applicable agency or investor guidelines. - Loan Approval: - Issues a conditional approval if additional documentation or explanation is required. - Documents underwriting decisions in the Loan Operating System regarding approval to assist with post-closing, quality control, or management, should questions arise. - Communicates with Loan Originators, Processors, and Closers that loan is CTC (Clear to Close). - Administration & Communication: - Works with Loan Originators, Processors, borrowers, and other stakeholders to answer and/or clarify any questions or concerns regarding underwriting decisions, guidelines or conditions. - Assists with internal/external audit requests. - Stays abreast of current trends in the mortgage industry (investor, agency, and government guidelines), changes in regulations and market conditions to ensure that underwriting processes remain current and effective. - Communicates with Loan Originators, Processors, and other team members regarding underwriting decisions, guidelines, and conditions. Qualifications - High school diploma or equivalent required; college degree preferred. - Minimum of 5 years’ experience underwriting conventional, FHA, and VA mortgage loans. - Licenses/Certifications: Direct Endorsement (DE); Staff Appraisal Reviewer/Lender Appraisal Processing Program (SAR/LAPP), VA Credit Authority. Requirements - Excellent understanding of investor, agency and government guidelines and systems. - Excellent written and verbal communication skills along with solid computer skills. - Analytical thinker and consultative mind to support both team members and managers in all areas of the business. - Goal-oriented, self-motivated with the capacity to meet and exceed assigned goals. - Willing to learn, industrious, determined, and assertive. - Excellent organizational skills and the ability to multitask to complete a wide variety of tasks. - Strong people skills with ability to interact with all internal teams and external customers. - Must be able to maintain sensitive and confidential information. - Diligence to ensure tasks are completed thoroughly and on time. Benefits - We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry. - We believe in giving back and we do so through The Silverton Foundation. - Our strong communication skills drive customer satisfaction. - We offer extensive product lines and maintain an in-house loan process that offers a competitive edge. - We have fun!

• Be part of an Agile Scrum team and contribute to the creation and maintenance of products. • Participate in Sprint activities such as planning, grooming, and daily standups. • Apply skills in Software Development to produce quality, on-time deliverables. • Work directly with Team Leads, Business Users, Product Owners, Functional Analysts, and other Engineers. • Help to build reliable, fault-tolerant, extensible applications backed by unit testing and test automation.

Why Silverton Mortgage: • We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry • We believe in giving back and we do so through The Silverton Foundation • Our strong communication skills drive customer satisfaction • We offer extensive product lines and maintain an in-house loan process that offers a competitive edge • We have fun! Title: Bi-Lingual Mortgage Loan Officer Assistant NMLS License Require Status: Full time, Exempt/Salaried Location: Remote The expected base pay range for this position is from $45,000 to $50,000 plus additional bonus opportunity resulting in an expected total annual compensation of $75,000 to $90,000. The annual compensation range is based on experience, qualifications, and other relevant factors. Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs. Position Summary: The overall responsibilities of this position are to assist in the day-to-day procedures that can assist Mortgage Loan Originators (MLO) to conduct their jobs most efficiently. The Licensed Assistant is responsible for providing ongoing and consistent support to the sales process as well as excellent communication with internal and external customers. Some specific tasks of this position are to: Responsibilities: - Pull daily pipeline reports. - Communicate with consumers after they are approved. - Conduct timely document collection and review. - Order out once file has been turned in to underwriting. - Validate program guidelines and match to all client files. - Assist with marketing activities (mailers, events, etc.). - Database management for both consumers and agents - Communicate effectively with Mortgage Loan Originators and other staff as needed on a timely basis. - Follow Silverton's Safeguard Governance Policy to protect customer non-public personal information. - Adhere to Silverton’s code of zero tolerance for fraud and 100% compliance with the rules and regulators of our industry. - Adhere to Company’s AML program and procedures where indicated. Qualifications: - Required: Fully licensed MLO in good standing - Minimum high school diploma or equivalent - Minimum of 3 years’ experience in the mortgage Industry - Understanding of mortgage industry guidelines and regulations - Working Knowledge of all residential mortgage types offered by Silverton (Fannie, Freddie, FHA, USDA, VA, Renovation and Construction) Skills - Strong detail orientation and highly organized. - Excellent customer service, interpersonal, verbal and written communication skills - Excellent time management, ability to work in a fast-paced environment Technology Skills - Proficient in computer terminal and personal computer operation; Internet Explorer; WebEx; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook - Proficient in Open/Close LOS or similar - Familiarity with AUD (LP, DU, GUS, etc.) Silverton Mortgage is committed to creating an inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. Business Unit - Silverton Mortgage

Why Silverton Mortgage: • We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry • We believe in giving back and we do so through The Silverton Foundation • Our strong communication skills drive customer satisfaction • We offer extensive product lines and maintain an in-house loan process that offers a competitive edge • We have fun! Title: Licensed Loan Officer Assistant NMLS License Require Status: Full time, Exempt/Salaried Location: Remote The expected base pay range for this position is from $45,000 to $50,000 plus additional bonus opportunity resulting in an expected total annual compensation of $75,000 to $90,000. The annual compensation range is based on experience, qualifications, and other relevant factors. Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs. Position Summary: The overall responsibilities of this position are to assist in the day-to-day procedures that can assist Mortgage Loan Originators (MLO) to conduct their jobs most efficiently. The Licensed Assistant is responsible for providing ongoing and consistent support to the sales process as well as excellent communication with internal and external customers. Some specific tasks of this position are to: Responsibilities: - Pull daily pipeline reports. - Communicate with consumers after they are approved. - Conduct timely document collection and review. - Order out once file has been turned in to underwriting. - Validate program guidelines and match to all client files. - Assist with marketing activities (mailers, events, etc.). - Database management for both consumers and agents - Communicate effectively with Mortgage Loan Originators and other staff as needed on a timely basis. - Follow Silverton's Safeguard Governance Policy to protect customer non-public personal information. - Adhere to Silverton’s code of zero tolerance for fraud and 100% compliance with the rules and regulators of our industry. - Adhere to Company’s AML program and procedures where indicated. Qualifications: - Required: Fully licensed MLO in good standing - Minimum high school diploma or equivalent - Minimum of 3 years’ experience in the mortgage Industry - Understanding of mortgage industry guidelines and regulations - Working Knowledge of all residential mortgage types offered by Silverton (Fannie, Freddie, FHA, USDA, VA, Renovation and Construction) Skills - Strong detail orientation and highly organized. - Excellent customer service, interpersonal, verbal and written communication skills - Excellent time management, ability to work in a fast-paced environment Technology Skills - Proficient in computer terminal and personal computer operation; Internet Explorer; WebEx; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook - Proficient in Open/Close LOS or similar - Familiarity with AUD (LP, DU, GUS, etc.) Silverton Mortgage is committed to creating an inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. Business Unit - Silverton Mortgage

Why Silverton Mortgage: • We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry • We believe in giving back and we do so through The Silverton Foundation • Our strong communication skills drive customer satisfaction • We offer extensive product lines and maintain an in-house loan process that offers a competitive edge • We have fun! Position Title: Processor Location/Branch: Corporate Reports to: Senior Director of Operations Department: Processing FLSA Status: FT, Hourly/Non-Exempt Pay: The expected hiring range for this position is from $43,694-$55,000/year plus additional bonus opportunity. The stated hiring range is based on experience, qualifications, and other relevant factors. Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs. Workstyle: Remote Eligible JOB SUMMARY The Processor will work in conjunction with assigned Mortgage Loan Originators, Underwriters, and Closers. The Processor is responsible for gathering the necessary paperwork and documentation required for the loan application. Their duties include carefully reviewing mortgage applications to confirm that all essential fields have been completed, organizing additional application materials, and submitting applications on schedule. JOB FUNCTIONS File Management and Communication - Manages pipeline of 20-25 loans per month, including purchases and refinances. - Compiles and verifies borrower information for residential mortgage loans. - Calculates borrower income, assets, and liabilities. - Reviews loan applications for completeness, ensuring loan meets standards (type, amount, assets); reconciles against system input. - Gathers required documentation from borrowers and third parties. - Communicates effectively with Mortgage Loan Originators and other stakeholders to complete mortgage loan file processing requirements. Other duties as assigned This job description is not an exhaustive list of all the functions that a team member and other duties may be assigned. REQUIREMENTS AND QUALIFICATIONS: Education: High school diploma or equivalent required. Years of Related Experience: Minimum 3 years processing experience. Knowledge, Skills and Abilities (KSAs): - Proficient with DU/GUS/ LP. - Familiar with FHA, VA, USDA and conventional products. - Proficient Mortgage Loan Origination Systems (LOS). - Excellent written and verbal communication skills along with solid computer skills. - Analytical thinker and consultative mind to support both team members and managers in all areas of the business. - Goal-oriented, self-motivated with the capacity to meet and exceed assigned goals. - Willing to learn, industrious, determined, and assertive. - Excellent organizational skills and the ability to multitask to complete a wide variety of tasks. - Strong people skills with ability to interact with all internal teams and external customers. - Must be able to maintain sensitive and confidential information. - Diligence to ensure tasks are completed thoroughly and on time. Silverton Mortgage is committed to creating an inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. Business Unit - Silverton Mortgage

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description The Processor will work in conjunction with assigned Mortgage Loan Originators, Underwriters, and Closers. The Processor is responsible for gathering the necessary paperwork and documentation required for the loan application. Their duties include: - Carefully reviewing mortgage applications to confirm that all essential fields have been completed - Organizing additional application materials - Submitting applications on schedule Job Functions: - Manages pipeline of 20-25 loans per month, including purchases and refinances - Compiles and verifies borrower information for residential mortgage loans - Calculates borrower income, assets, and liabilities - Reviews loan applications for completeness, ensuring loan meets standards (type, amount, assets); reconciles against system input - Gathers required documentation from borrowers and third parties - Communicates effectively with Mortgage Loan Originators and other stakeholders to complete mortgage loan file processing requirements - Other duties as assigned This job description is not an exhaustive list of all the functions that a team member and other duties may be assigned. Qualifications - High school diploma or equivalent required - Minimum 3 years processing experience - Proficient with DU/GUS/LP - Familiar with FHA, VA, USDA and conventional products - Proficient in Mortgage Loan Origination Systems (LOS) - Excellent written and verbal communication skills along with solid computer skills - Analytical thinker and consultative mind to support both team members and managers in all areas of the business - Goal-oriented, self-motivated with the capacity to meet and exceed assigned goals - Willing to learn, industrious, determined, and assertive - Excellent organizational skills and the ability to multitask to complete a wide variety of tasks - Strong people skills with ability to interact with all internal teams and external customers - Must be able to maintain sensitive and confidential information - Diligence to ensure tasks are completed thoroughly and on time Requirements - Silverton Mortgage is committed to creating an inclusive workplace - Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status Benefits - The expected hiring range for this position is from $43,694-$55,000/year plus additional bonus opportunity - The stated hiring range is based on experience, qualifications, and other relevant factors - Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs