EPM

• Lead and mentor a team of underwriters, providing training and support to enhance skills and ensure high performance. • Oversee daily operations to maximize productivity, improve efficiency, and meet underwriting turn times and SLAs. • Monitor team performance, provide feedback, and conduct regular performance reviews with measurable goals. • Ensure underwriting quality through consistent quality checks and compliance with regulatory and company guidelines. • Act as the escalation point for complex or high-risk loan files and support second-level loan reviews. • Manage team pipelines during absences, ensuring uninterrupted loan processing. • Maintain up-to-date knowledge of industry regulations and company policies to ensure all mortgage applications are underwritten in accordance with current standards. • Additional responsibilities related to business needs.

• Serve as the system owner for ICE Mortgage Technology Encompass (LOS), including configuration, administration, integrations, and upgrades. • Define and execute the Encompass platform roadmap, aligned with business strategy, operational priorities, and regulatory requirements. • Lead evaluation, implementation, and ongoing optimization of Encompass features (e.g., workflows, custom fields, personas, plugins, SDK/API integrations). • Partner with ICE Mortgage Technology and third-party vendors to manage releases, defects, escalations, and enhancement requests. • Lead, mentor, and develop a Mortgage Technology team of 5–10 professionals (e.g., Encompass Admins, Developers, Analysts, Support Desk). • Establish clear accountability, performance expectations, and career development paths for the team. • Foster a culture of operational excellence, continuous improvement, and strong partnership with

• Support and maintain compliance programs, policies, and procedures in alignment with state and federal regulations. • Perform compliance testing, monitoring, and risk assessments across mortgage operations. • Review, test, and correct HMDA data to ensure accuracy and completeness. • Support state and federal regulatory examinations and internal and external audits. • Prepare regulatory responses, documentation, and remediation plans. • Maintain components of the Compliance Management System (CMS). • Manage NMLS licensing, renewals, and related regulatory filings. • Assist with regulatory reporting, including the Mortgage Call Report (MCR). • Monitor regulatory changes and partner with business teams to address compliance gaps. • Additional duties and responsibilities assigned due to business needs.

• Own daily funding and cash activity, ensuring all loans, settlements, and cash movements are accurately recorded and reconciled. • Prepare and review funding reports, purchase advices, and related reconciliations to ensure completeness and accuracy. • Manage settlements and reporting with Ginnie Mae and other secondary market investors, including timely resolution of discrepancies. • Perform detailed reconciliations across a broad range of accounts, from routine accounts to highly complex balance sheet and clearing accounts. • Oversee cash reconciliations and ensure all open funding, settlement, and investor items are investigated and resolved promptly. • Support secondary market accounting activities, including tracking loan sales, investor remittances, and purchase price differences. • Review general ledger activity for accuracy, identify trends or issues, and recommend corrective actions as needed. • Play a key role in the monthly and annual close process, including preparation and review of journal entries and reconciliations. • Prepare and analyze financial reports and schedules, providing insights to leadership and cross-functional partners. • Collaborate cross-functionally with Secondary Marketing, Finance, and Operations to resolve issues and improve end-to-end processes. • Provide audit support and prepare documentation for internal and external audits. • Additional duties and responsibilities assigned due to business needs.

• Once assigned a file; organize approvals and ensure all conditions are marked and met. • Conduct Welcome Call with client within 24 hours of approval; set expectations, clarify conditions, and confirm loan timelines. • Ensure signed disclosures, verify loan conditions, and order necessary reports (e.g., AVMs, IRS, flood zone). • Track document uploads, review client submissions, and follow up on outstanding conditions to ensure loan progress. • Verify all conditions are met, confirm final loan terms with the client, and ensure closing is scheduled. • Monitor for expired Estimated Closing Dates (ECD), follow up on lock expirations, ensure timely loan submissions, process Change of Circumstances (COC), and update the lock as needed. • Review active loans, prioritize closings, and ensure all required documents are submitted for final approval. • Additional responsibilities related to business needs.

• Provide strategic leadership and oversight for all loan servicing functions including payments, escrow, payoffs, account maintenance, collateral and insurance tracking, and servicing analytics. • Ensure compliance with regulatory, investor, and agency servicing requirements including FHA/HUD, VA, USDA, FNMA, FHLMC, and GNMA. • Serve as the primary escalation contact for investors, agencies, and sub-servicers. • Monitor servicing performance metrics, audits, and exception reporting, implementing corrective actions as needed. • Oversee escrow administration including setup, reconciliations, tax and insurance disbursements, and regulatory adherence. • Ensure timely and accurate payoff processing, lien releases, and satisfaction filings. • Guide loan boarding for new, renewed, or purchased loans, ensuring strong data integrity and QA controls. • Lead servicing data, reporting, and portfolio analytics to ensure accuracy and investor transparency. • Handle complex borrower issues, regulatory inquiries, and sensitive servicing matters. • Partner cross-functionally to ensure data accuracy and end-to-end process alignment. • Oversee vendor relationships supporting collateral, insurance, escrow, and servicing technology. • Drive process improvements, automation, and system optimization initiatives. • Manage staffing, performance development, coaching, and succession planning for the servicing team. • Additional responsibilities as assigned due to business needs.

EPM is growing, and we are seeking Account Executives to join our team. You’ll be responsible for developing lending relationships with third-party originators and expanding existing accounts to increase closed loan volume. The ideal candidate is a self-starter with strong sales skills and a commitment to exceptional customer service. If this sounds like you, apply today! Key Responsibilities Identify and onboard qualified third-party originator/broker accounts. Conduct sales calls with prospective and current accounts to assess strategic fit and opportunities. Provide training to accounts on systems, policies, procedures, products, and updates. Offer support and service to accounts and their staff. Act as a liaison between accounts and the Equity operations teams. Collaborate with management and internal teams to maintain professional partnerships with accounts. Actively manage accounts pipeline and provide loan projections to management. Prioritize and allocate time and resources effectively to meet goals. Additional responsibilities related to business needs. Qualifications & Skills About EPM Founded at the height of the mortgage crisis in 2008, EPM has rapidly evolved into one of the leading mortgage lenders in the U.S. Our vision is clearto live in a world that everyone has the opportunity for the American Gift.  We strive to offer top-tier financial services, exceptional communication, and unwavering assistance to our clients. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions, by closing one loan perfectly at a time. Headquartered in Atlanta, GA, EPM is licensed in 50 states and provides an array of lending resources such as Conventional, FHA, VA, 203K, Reverse, and USDA loans. Additionally, we are proud to be a trusted Seller/Servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, ensuring that our clients have access to reliable and competitive financing options. EPM is an equal opportunity employer committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic. Candidate Acknowledgment Statement By clicking "Apply for this Job," I acknowledge that I have reviewed, understand, and agree to the terms outlined in the linked EPM Legal Statement and Application Addendum.

• Manage full-cycle recruiting, including job postings, candidate screening, interview coordination, background checks, and offer letter preparation and delivery • Assist in creating and updating job descriptions; gather approvals for requisitions and develop engaging job posting content • Actively source candidates through LinkedIn, social media, networking, and other channels • Build and maintain an active pipeline of sales/Account Executive candidates • Manage the Applicant Tracking System (ATS), including candidate communication and dispositioning • Coordinate and ensure background checks are completed successfully • Support onboarding processes to ensure a smooth and positive new hire experience: Coordinate and facilitate the onboarding process for new hires, including initiating new hire paperwork, ensuring completeness, coordinating IT setup, conducting orientation • Ensure candidates and team members have excellent experience throughout recruitment, onboarding and employment life cycle • Provide administrative support for People Operations programs • Help design and champion culture, wellness, total rewards, and recognition initiatives • Assist with HRIS management and other HR-related responsibilities to support the department and employees