eLEND Solutions

• Conduct detailed pre-closing reviews to ensure loan files meet agency, investor, and internal requirements. • Perform FHA checks, verification of employment reviews, flood certificate validations, FEMA disaster reviews, and appraisal data entry within the LOS system. • Review APR changes and loan modifications to ensure compliance requirements are met and updated Closing Disclosures are issued appropriately. • Maintain consistent communication with brokers, borrowers, account executives, underwriters, and internal operational teams regarding loan status updates and outstanding conditions. • Review, verify, update, and manage approval conditions throughout the loan lifecycle. • Evaluate conditions submitted by brokers and coordinate with underwriting teams for review and approval. • Input and validate homeowner’s insurance, flood insurance, tax, title, and broker fee information accurately within the system. • Verify receipt of required tax transcripts and supporting documentation when applicable. • Distribute updated conditional approvals and communicate next steps to brokers and borrowers. • Ensure all disclosures comply with AFR policies, federal and state regulations, and agency guidelines including Conventional, FHA, VA, USDA, Fannie Mae, and Freddie Mac requirements. • Respond to inbound phone calls and email inquiries related to conditional approvals, documentation requests, and file status updates. • Partner closely with Account Executives to support strategic client relationships and operational success. • Exercise elevated authority by reviewing and clearing select conditions beyond standard Account Manager approval authority. • Support process improvement initiatives designed to improve operational efficiency, communication, and client experience. • Assist with additional operational or client support responsibilities as business needs evolve.

• Analyze loan registrations and provide support for new submissions, portal navigation, and process-related inquiries. • Serve as a primary point of contact for complex client questions and escalations related to loan structuring, AUS findings, DTI calculations, liabilities, disclosures, and renovation loan scenarios. • Assist clients with mortgage loan registration within the eLEND loan portal while ensuring accuracy and completeness. • Provide expert-level support and guidance to clients regarding loan processing workflows and operational best practices. • Proactively engage with clients to understand evolving business needs, identify potential challenges, and provide strategic solutions. • Deliver both on-demand and scheduled training sessions related to products, processes, systems, and portal functionality. • Collaborate cross-functionally with Sales, Operations, Product, and Underwriting teams to resolve complex client issues efficiently. • Support the development and refinement of client success tools, workflows, and operational resources. • Assist in creating training materials, process documentation, and digital educational content designed to improve client knowledge and success. • Advocate for client feedback and provide insights that contribute to product enhancements and service improvements. • Maintain current knowledge of mortgage industry trends, investor guidelines, AUS systems, and competitive market updates. • Provide exceptional customer service and relationship management to internal and external partners.

• Lead and oversee correspondent loan purchase reviews across delegated and non-delegated channels. • Serve as the final decision-maker on loan purchase eligibility, suspense conditions, and defect resolution. • Ensure all loans meet investor, agency, regulatory, and internal policy requirements prior to purchase and delivery. • Provide executive oversight across post-closing operations, including collateral, final documents, MERS compliance, and custodian relationships. • Act as the primary escalation point for complex loan reviews, documentation issues, and post-closing challenges. • Partner with Capital Markets to align on loan purchase decisions, delivery timelines, and investor expectations. • Collaborate with Compliance and Legal to interpret guidelines, correspondent agreements, and regulatory requirements. • Analyze correspondent review data to identify trends, systemic risks, and opportunities for process improvement. • Lead performance and quality discussions with correspondent lenders, including findings, remediation, and expectations. • Support internal audits, regulatory exams, and investor due diligence efforts tied to correspondent production. • Develop and enhance policies, procedures, and job aids governing correspondent review and post-closing workflows. • Provide leadership, mentorship, and direction to teams supporting correspondent review and post-closing operations.

• Serve as a primary support contact for broker inquiries under the guidance of the Enterprise Account Executive • Provide timely, professional communication to brokers, loan officers, and processors • Manage inbound requests and assist with resolving routine questions, escalating more complex issues appropriately • Support outbound broker engagement efforts using CRM tools and communication platforms • Accurately log all broker interactions, requests, and follow-ups within the CRM • Assist in distributing product updates, rate changes, and program information to brokers • Support the creation and delivery of marketing and informational materials • Coordinate with internal operations teams to assist with loan-level support and ensure smooth workflows • Maintain organized records and ensure strong attention to detail across all tasks • Prioritize daily responsibilities to meet team deadlines and support overall productivity • Participate in team meetings, providing updates and actively learning from senior team members • Build foundational knowledge of mortgage products, programs, and the wholesale channel • Support additional tasks and initiatives as assigned

• Act as a trusted expert for clients navigating loan registration and AUS processes • Strengthen client engagement and long-term partnership success • Provide advanced operational support and solutions for complex mortgage scenarios • Mentor junior team members and share best practices • Contribute to improving client success tools, training, and processes • Serve as the primary point of contact for complex client inquiries and escalations • Provide expert guidance on mortgage loan structuring and loan registration processes • Proactively engage key clients to understand evolving needs and potential challenges • Identify opportunities to improve client satisfaction, engagement, and retention • Analyze loan registrations and provide support for new submissions within the eLEND portal • Assist clients with Automated Underwriting System (AUS) runs and loan structuring questions • Troubleshoot registration issues and guide clients through platform workflows • Deliver live and on-demand training on portal functionality, loan processes, and products • Develop training materials, client guides, and digital resources • Analyze client usage data and feedback to identify trends and improvement opportunities • Partner with Sales, Operations, Product, and Underwriting teams to resolve complex client issues • Mentor junior Client Success Analysts on complex cases and best practices • Help refine client success workflows and operational processes

• Build, strengthen, and maintain broker relationships to drive wholesale loan production. • Monitor loan pipeline performance daily, tracking monthly volume, client attrition, and loan quality. • Maintain consistent communication with clients through calls, emails, and approved channels to deliver top-tier service. • Identify and pursue new business opportunities to expand eLEND’s broker network. • Act as a liaison between wholesale clients and internal operations teams to ensure smooth loan processing. • Stay up to date with regulatory and industry standards by attending educational seminars. • Distribute marketing materials to prospective and existing clients to promote eLEND products. • Conduct interviews with potential clients and train approved clients on proper loan submission processes. • Participate in weekly sales meetings and collaborate with peers to share best practices. • Meet or exceed assigned sales goals and performance metrics. • Mentor new Account Executives when requested, providing coaching and feedback on client engagement.

• Produce and own daily profit and loss reporting across all origination channels, ensuring accuracy, timeliness, and executive-ready presentation • Investigate and explain P&L variances, including rate movements, volume changes, pricing execution, and hedge performance • Develop and enhance reporting infrastructure to streamline processes and improve analytical visibility • Provide clear reporting and variance explanations to executive leadership • Run MSR valuation models, including cash flow projections, rate sensitivity analysis, and prepayment speed scenarios • Monitor fair value of retained MSR portfolio in alignment with GAAP and investor standards • Develop MSR hedge recommendations based on valuation and market conditions • Support MSR portfolio strategy and financial performance monitoring • Prepare MSR bid tapes for bulk sales, ensuring accuracy of loan-level characteristics including FICO, LTV, geography, and product type • Create whole loan bid tapes for investor execution across agency and non-agency channels • Coordinate with Servicing, Operations, and Secondary Marketing teams to ensure data integrity and completeness • Support execution of loan sales and MSR transactions through settlement • Own margin reporting across origination channels and identify opportunities for optimization • Analyze profitability trends, channel performance, and pricing effectiveness • Develop financial models to evaluate pricing, product mix, and operational strategy • Collaborate with Finance on forecasting, reporting, and profitability modeling • Prepare executive-level reporting packages for the CEO and senior leadership • Deliver strategic insights and financial recommendations based on analytical findings • Partner closely with Secondary Marketing and Finance teams to support pricing, execution, and forecasting • Develop ad hoc financial analysis to support business strategy and market responsiveness • Collaborate daily with executive leadership, including direct visibility to the CEO

• Join the eLEND Mortgage Community and stay connected for future opportunities. • Keep updated with new job postings that match your skills and interests. • Foster relationships with the Talent Acquisition team.

• Distribute daily mortgage rate sheets and ensure timely updates to internal stakeholders. • Assist with processing rate lock, relock, and extension requests, supporting lock desk workflow accuracy. • Perform data entry, reconciliation, and validation activities related to settled and locked loans. • Maintain accurate loan pricing, lock desk, and transaction activity records. • Provide administrative and operational support to the Secondary Marketing function. • Respond to routine internal inquiries and escalate complex pricing or lock issues to senior team members. • Remain informed on company policies, pricing procedures, and applicable market guidelines. • Support additional operational and administrative initiatives as assigned.

• Review new loan applications for completeness, accuracy, and regulatory readiness • Accurately input loan data into the Loan Origination System (LOS) to initiate the loan lifecycle • Validate borrower, property, and loan terms prior to disclosure issuance • Prepare and issue initial loan disclosures, including Loan Estimate, Truth-in-Lending, and related TRID-required documents • Ensure disclosures are delivered within required regulatory timelines • Execute post-disclosure revisions and re-disclosures when changes occur • Identify, escalate, and document potential compliance risks tied to loan setup or disclosure errors • Collaborate closely with Loan Officers, Processors, and Underwriters to resolve missing or conflicting information • Respond to internal inquiries related to disclosure requirements and setup standards • Maintain organized documentation and audit-ready disclosure records • Stay current on regulatory changes, investor guidelines, and disclosure requirements • Support process improvements that enhance accuracy, efficiency, and borrower experience • Contribute to standardized workflows and quality control initiatives