Dominion Financial

• Ensure complete, and accurate loans are produced • Manage a team of up to 8 Loan Processors • Verify that loan document integrity is maintained throughout the entire loan processing operation • Ensure all loan files are in compliance with Dominion Financial Services LLC’s standards • Manage and resolve any escalated issues that arise within your team • Ensure your team remains informed on any changes in guidelines or procedures • Develop an understanding of all procedures and work as a “hands on” manager within your team • Drive and ensure staff performance goals are met • Support senior management in developing, and executing strategic plans • Assist with directing loan processing to ensure targets, and objectives are met • Manage daily production reports and staff work volume; adjust assignments to meet fluctuating workloads • Assist with the training and development of your team

• Write and optimize web pages and blog posts about our loan products, tailored to markets nationwide. • Use custom-built AI tools to research topics, generate first drafts, and refine content; you'll be trained on all of it. • Add internal and external links, write meta descriptions, and prepare pages for publishing. • Help with outreach to websites and publications where we'd like to earn backlinks.

• Monitor and manage assigned mortgage loan portfolios to minimize risk and maximize performance. • Assist in aligning the efforts of the entire servicing team. • Act as the primary point of contact for internal and external stakeholders regarding assigned assets. • Resolve issues impacting portfolio health and borrower relationships. • Understand all aspects of the real estate transaction, including loan structures, borrower/LLC arrangements, securitization documents, project management, and market dynamics. • Proactively monitor loans, identify risks, escalate concerns, and implement remediation strategies. • Serve as the primary liaison with clients, borrowers, investors, and internal departments. • Handle direct communication with borrowers, including collections, inquiries, and issue resolution. • Analyze tax returns, borrower financial statements, and property financials to inform asset strategies. • Recommend and execute loss mitigation strategies as necessary. • Support governance and compliance initiatives to align with company risk appetite and standards. • Summarize complex issues and deliver clear, actionable insights to management.

• Oversee, maintain, and continuously improve DFS’s Salesforce platform to support company operations and internal teams. • Assist users with troubleshooting and technical inquiries. • Create and maintain automation using both declarative and programmatic Salesforce tools. • Manage user profiles and permissions to ensure secure system access. • Build and maintain analytical dashboards to support data-driven decision-making. • Clean and manage data using tools such as Excel and SQL. • Implement data models aligned with evolving business needs. • Update document templates using Conga Composer. • Document technical processes and optimize marketing lead distribution workflows. • Support system-related projects and initiatives as the organization grows.

• Provide accurate and timely property evaluations to support loan origination and risk assessment • Ensure renovation budgets and pro formas align with market conditions and project scope • Play a key role in streamlining the underwriting process and supporting investor success • Use House Canary and Richer Values to evaluate underwriting reports on recently sold properties in our portfolio areas • Analyze 5–8 real estate deals and 10–20 construction draws per week • Write and edit property evaluations for up to 140 loans per month within a 24-hour turnaround • Reconcile property costs before and after rehabilitation • Confirm budget accuracy across project types: new construction, cosmetic renovations, full gut rehabs, and multifamily (5+ units) • Validate renovation estimates for current projects and prepare estimations for upcoming ones • Analyze borrower-provided pro formas for larger projects

• Support loan funding and sale operations to ensure smooth capital markets execution • Maintain accurate and up-to-date collateral and settlement documentation • Enhance team operations by proactively solving problems and ensuring data accuracy • Support the management of warehouse lending facilities for rental and bridge loans • Upload property appraisals and prepare loan tapes for collateral pledging • Monitor borrowing bases and request draws for daily loan funding • Assist in the full life cycle of loan sales, including executing rate locks and preparing settlement statements • Deliver loan files to third-party due diligence providers and resolve exceptions • Generate assignments of mortgage and allonges • Coordinate with Post-Closing to ensure delivery of physical documents to loan buyers • Communicate with internal stakeholders and external purchasers to support loan origination and sale • Perform loan-level data cleansing, review, and analysis

• Drive the expansion of broker business in targeted markets using our non-QM products. • Cultivate and grow new broker relationships while maintaining and enhancing existing ones. • Contribute to company success by working cross-functionally with colleagues in various departments. • Close $5MM+ in monthly volume by structuring creative deals in collaboration with brokers. • Attract new brokers and grow existing relationships to ensure excellent client experiences. • Collaborate with colleagues to influence and support company-wide success.

• Manage day-to-day operations for the Capital Markets function, including loan sales, post-closing coordination, and service transfer workflows • Act as the primary operational liaison between Capital Markets, Post-Closing, Servicing, Accounting, Sales, and Processing • Execute and oversee the full life cycle of loan sales from pricing through settlement • Provide regular operational reporting and performance metrics to senior leadership • Lead, coach, and develop team members while remaining actively involved in production • Assist in implementing and refining policies, procedures, controls, and process improvements • Support the management of warehouse lending facilities for rental and bridge loan products • Ensure loan tapes are accurate and prepared for collateral pledging • Execute rate locks and pricing requests as needed • Deliver complete electronic loan files to third-party due diligence providers • Assist in clearing escalated loan exceptions raised during diligence reviews • Monitor loan sale settlement statements and resolve discrepancies • Coordinate clearing of post-closing conditions and delivery of physical collateral to investors • Research escalated payment issues and partner with new servicers to resolve • Partner with Accounting on reconciliation and funding timelines • Track pipeline status, aging, curtailments, and investor turn times • Identify operational bottlenecks and drive continuous improvement initiatives • Support audits, investor requests, and internal compliance reviews

• Utilize previous experience within Real Estate Law to prepare and review business-purpose lending loan documents. • Manage the preparation of loan documents. • Conduct legal research to stay up to date with changes in state laws and regulations of compliance. • Advise on legal implications and risks related to loan documents. • Lead and manage a team of paralegals while ensuring effective communication and collaboration throughout the team. • Review and analyze system generated loan documents.

• Portfolio Analytics & Systemic Risk Identification • Conduct quantitative and qualitative analysis across the entire special assets portfolio to identify trends, patterns, and early warning indicators of credit deterioration • Develop and maintain analytical dashboards and reporting tools that track key portfolio metrics including default rates, loss severity, geographic concentrations, and product-level performance • Perform cohort analysis comparing loan vintage performance to identify underwriting quality shifts over time • Analyze correlation between origination characteristics (LTV, FICO, property type, sponsor experience, market) and subsequent default outcomes • Prepare recurring portfolio performance reports for senior management with data-driven insights and recommendations • Present analytical findings to the Special Assets Committee, Underwriting, and executive leadership • Vendor Performance Management & Quality Assurance • Monitor and evaluate default supporting vendor performance (onshore/offshore) in executing default monitoring, collateral tracking, and portfolio surveillance activities against established service level agreements (SLAs) and quality standards • Recommend optimization strategies based on performance data analysis to improve vendor effectiveness and efficiency • Review work product quality from vendor teams including property inspection reports, collateral valuation summaries, borrower contact documentation, and timeline tracking • Conduct data quality audits on vendor-supplied information to identify accuracy issues, missing data, reporting delays, or inconsistencies requiring remediation • Analyze vendor efficiency metrics including turnaround times, error rates, escalation frequency, and cost metrics to benchmark performance against expectations • Identify process gaps and training needs within offshore/liquidation operations and recommend specific procedural improvements, enhanced controls, or workflow modifications • Develop performance scorecards that objectively measure vendor contributions to portfolio outcomes including early detection rates, valuation accuracy, and documentation completeness • Collaborate with vendor team leadership to communicate performance findings, implement corrective action plans, and verify improvement outcomes • Recommend vendor management changes including scope adjustments, resource reallocation, contract modifications, or alternative vendor evaluation when performance gaps persist • Document vendor performance trends for senior management review and contract renewal decisions • Serve as quality control bridge between offshore operational teams and internal Special Assets leadership to ensure consistent standards • Underwriting Quality & Process Improvement Analysis • Conduct comprehensive post-mortem analysis on defaulted loans to reverse-engineer underwriting decisions and identify policy gaps or exceptions that contributed to loss • Evaluate whether defaults resulted from operational deficiencies, policy violations, exception approvals, documentation weaknesses, or external market factors • Collaborate with Underwriting leadership to translate analytical findings into specific policy recommendations, enhanced controls, or training needs • Assess effectiveness of risk mitigation structures (guarantees, reserves, cross-collateralization) in actual default scenarios • Document case studies of both successful and unsuccessful credit decisions to inform underwriting and operations training programs • Track and report on adherence to policy over time and correlation to portfolio performance • Identify emerging market risks or product vulnerabilities requiring policy adjustments • Loss Mitigation Program Effectiveness Analysis • Evaluate loss mitigation program performance by analyzing outcomes across different workout strategies including loan modifications, forbearance agreements, repayment plans, deed-in-lieu arrangements, and short sales • Compare recovery rates and loss severity across mitigation approaches to identify which strategies yield optimal outcomes under specific borrower and collateral profiles • Analyze time-to-resolution metrics for different loss mitigation pathways to assess efficiency and identify bottlenecks or process delays • Track and report on borrower re-default rates following various workout structures to measure program sustainability and effectiveness • Conduct cost-benefit analysis of loss mitigation alternatives versus foreclosure to quantify the economic value of workout programs • Assess consistency in loss mitigation decision-making by comparing similar files with different outcomes to identify subjective bias or policy interpretation gaps • Evaluate whether loss mitigation eligibility criteria are appropriately calibrated by analyzing borrower profiles that succeeded versus failed in workout programs • Recommend program enhancements based on empirical data including revised qualifying criteria, modified workout terms, or new resolution alternatives • Benchmark company loss mitigation performance against industry standards and peer lenders to identify competitive advantages or gaps • Quantify the financial impact of loss mitigation programs on portfolio-level recovery rates and investor returns • Valuation Analysis & Market Intelligence • Analyze valuation assessment quality and accuracy by comparing origination valuations to subsequent market performance and distressed sale outcomes • Evaluate valuation performance and identify systematic over-valuation or under-valuation trends • Research and report on local market dynamics affecting collateral values including new construction supply, absorption rates, price trends, and regulatory changes • Build and maintain databases of comparable sales, market trends, and construction cost benchmarks to support valuation reasonability assessments • Assess the accuracy of as-is (AIV) and as-repaired value (ARV) projections relative to actual market outcomes • Provide market intelligence reports to Underwriting and Portfolio Management teams • Cross-Functional Collaboration & Special Projects • Serve as an analytical resource to Special Assets management for resolution strategy evaluation when requested • Participate in system implementation projects related to portfolio monitoring and reporting infrastructure • Support ad-hoc analysis requests from executive leadership, Risk Management, and Underwriting teams • Contribute to the development of automated reporting solutions and business intelligence tools