Cornerstone Capital Bank

• Provide a warm welcome to Realtors and Clients • You will need to monitor and manage workflow to ensure timely closings • Maintain product knowledge and stay up-to-date on changes to market conditions • Comply with all applicable laws and regulations related to mortgage lending • Communicating with borrowers, processors, operations staff, title companies, Realtors, etc., to expedite the mortgage process • Request and follow up on required documentation from our clients • Disclose and submit loans to the Operations Department – lots of attention to detail • Perform basic income calculations • Provide extraordinary customer service to both internal and external customers • Meet goals regarding time frames - we always close our clients on time • Work within a database • Plan and set up lunch-ins, meetings, etc. • Market, service, and promote the Company’s loan products

• Originate Loans by managing personal production pipeline (sourcing and closing loans) and managing the team pipeline of loans. • Coaching existing Regional LO’s to assist them in achieving their top potential within the Company • Recruiting LO candidates for the Region • Onboarding new LO candidates, including training in the Company’s sales culture and disciplines and coaching to assist them in achieving their top potential within the Company • Assisting the Regional with production and support strategies

• Provide excellent customer service • Manage client relationships and identify client service and sales needs • Respond to customer inquiries and referrals that are generated from your contacts • Conduct interviews with prospective borrowers in order to analyze financial and credit data • Marketing, promoting, and selling Company’s loan products • Negotiate rates and terms • Define and manage customer loan process expectations • Monitor and manage workflow to ensure timely closing • Maintain product knowledge and stay up to date on changes to market conditions • Comply with all applicable laws and regulations released to residential mortgage lending

• Lead and support projects across the enterprise, including Processing, Underwriting, and Loan Operations. • Deliver small to large-scale projects through the full lifecycle, from requirements to deployment/completion. • Work closely with CHL’s COO, PMO, Operations Executives, IT Department, Product Management, and SME’s. • Execute system customization, application upgrades, and process improvement projects. • Manage multiple priorities and provide work direction for project teams. • Develop and maintain strategic partnerships with senior business unit management, business partners, and project sponsors. • Participate in change management and process improvement initiatives.

• Provide strategic and operational leadership for the underwriting organization. • Drive performance, scalability, and consistency across all lending channels. • Build a high-performing organization that delivers sound credit decisions. • Maintain regulatory compliance and support company’s growth objectives. • Lead enterprise-wide collaboration across Sales, Operations, Capital Markets, Product, Risk, Compliance, and Technology. • Enhance underwriting capabilities, improve efficiency, and elevate customer and employee experience. • Set and execute a forward-looking underwriting vision aligned with corporate growth. • Contribute to enterprise decision-making and cross-functional strategic initiatives. • Champion continuous improvement through modernization of processes and tools. • Establish performance frameworks, KPIs, and accountability measures for quality and speed. • Optimize organizational structure and resource allocation. • Oversee end-to-end underwriting execution across all products and channels. • Partner with Technology to advance automation and decisioning tools. • Develop and mentor senior underwriting leaders to build a strong leadership bench.

• Originate Loans by managing personal production pipeline (sourcing and closing loans) and managing the team pipeline of loans. • Coaching existing Regional LO’s to assist them in achieving their top potential within the Company • Recruiting LO candidates for the Region • Onboarding new LO candidates, including training in the Company’s sales culture and disciplines and coaching to assist them in achieving their top potential within the Company • Assisting the Regional with production and support strategies

• Ensure guidance managed within "Loan Standards" is accurate and clearly communicated • Provide a smooth experience for Production by being consistent with guidance provided, formatting is familiar and functionality is seamless. • Perform vital maintenance tasks designed to meet the primary goals of the Loan Standards team • Perform a twice-monthly publish of all the impactful changes to Loan Standards guidance, known as the “30 Days changes publish.” • Other duties assigned by leadership

• Independently review and interpret company policies to make decisions on matters of regulatory compliance, investor guidance, and customer impact in regard to loan boarding and servicing transfers • Independently work with stakeholders including the Executive, Product, Data and Design teams to support their boarding data needs to ensure Cornerstone’s ability to perform loan servicing • Identify, design, and implement internal process improvements including re-designing infrastructure for greater scalability, optimizing data delivery, and automating manual processes • Manage incoming loan transfers and origination processes including process documentation (i.e. checklists, transfer instructions, etc.) • Responsible for exercising discretion in mapping, coding, and formatting data system files and customer information for loan boarding processes • Develop loan boarding applications for data integrity and timing purposes • Oversee third party vendors integral to loan-boarding processes • Perform project management role • Perform other job-duty-related issues as assigned

• Maintain a working knowledge of products, policies, procedures and operating systems as we as any updates that are implemented • Knowledge of FNMA, FHLMC, HELoans/HELOCs, FHA, VA & 2nd Lien underwriting guidelines • Independently calculate all types of self-employed income • Prepare loan and coordinate with members on finalizing and closing loans timely and efficiently • Maintain product knowledge and stay up to date on changes to market conditions • Proficiency with AUS systems • Comply with all applicable laws and regulations related to mortgage lending • Communicate with borrowers, operations staff, title companies, etc., to expedite mortgage process

• You'll be the trusted guide clients and referral partners count on throughout the entire mortgage journey. • That means building genuine relationships, understanding what matters most to each borrower, and helping them navigate their options with confidence and clarity. • You'll manage every detail from application to closing, set clear expectations, and deliver an exceptional experience at every step. • And because this industry never stops evolving, you'll stay sharp on market trends, product updates, and compliance requirements so you're always bringing your best.