EverBank

Role Description The CECL Model Development & Implementation Lead leads Current Expected Credit Losses (CECL) model development, enhancement, and end-to-end implementation initiatives, focusing on improving model performance, expanding coverage across new segments, and ensuring models are production-ready within a scalable and automated framework. - Develops and implements Current Expected Credit Losses (CECL) models for material segments without existing coverage, including assessing portfolio characteristics and identifying key risk drivers. - Leads model enhancement and replacement strategy for underperforming models, including reassessment of assumptions, data inputs, and model structure. - Executes end-to-end model development lifecycle, including calibration, testing, documentation, validation readiness, production deployment, and model performance monitoring. - Applies strong understanding of cash flow-based CECL methodologies, including lifetime loss estimation, prepayment, and charge-off dynamics. - Identifies opportunities for system automation and process improvement across data preparation, model execution, and testing. Qualifications - University (Degree) Preferred - Extensive experience in model development, testing, and production implementation across multiple asset classes, including CRE, C&I, and consumer portfolios. - Strong programming skills in Python, SAS, and SQL. - Experience in model performance evaluation and back-testing. - Strong expertise in CECL / ACL frameworks and stress testing. - Master’s degree and above in Economics, Finance, accounting, and related areas (highly preferred). - Experience with Moody’s platforms. Requirements - 5+ Years Required; 7+ Years Preferred. - Physical Requirements: Sedentary Work. Career Level 8IC Posting End Date 5/25/2026

Role Description The CECL Model Owner & Production Analytics Lead serves as the Current Expected Credit Losses (CECL) model owner and production control lead, responsible for ensuring the integrity, stability, and scalability of the Bank's ACL framework, while driving automation across model monitoring, analysis, and reporting. - Maintains the CECL financial models, including model governance, documentation, validation coordination, and ongoing performance monitoring. - Oversees and enhances ACL production controls, including quarterly results analysis, attribution analysis, and control testing to ensure outputs are accurate, explainable, and audit-ready. - Leads automation and process transformation initiatives across model monitoring, reporting, and control frameworks to improve efficiency and scalability. - Develops, enhances, and maintains CECL / credit risk models, and supports new model implementation and integration into production. - Identifies inefficiencies and designs scalable, repeatable processes to reduce manual effort and key person dependency. - Provides production support and coverage, including backup for model execution and collaboration with cross-functional teams across Risk, Finance, and IT. Qualifications - Experience as a model owner, with exposure to model validation and regulatory expectations, and familiarity across multiple asset classes, including CRE, C&I, and consumer portfolios. - Strong programming skills in Python, SAS, and SQL. - Proven track record in automation and process improvement initiatives. - Strong expertise in CECL / ACL frameworks and stress testing. - Solid understanding of production controls, regulatory expectations, and reporting. Requirements - Master’s degree and above in Economics, Finance, accounting, and related areas (highly preferred). - Experience with Moody’s platforms (ImpairmentStudio, RiskCalc, etc.). - Experience in system or process transformation initiatives (SAS to Python, etc.). - 5+ Years Required; 7+ Years Preferred. Physical Requirements - Sedentary Work. Career Level - 8IC. Posting End Date - 5/25/2026.

Role Description The Asset-Backed Finance Associate will play a key role in supporting the origination, structuring, underwriting, and execution of secured lending transactions across a range of asset classes and client types - including financial sponsors, asset managers, and specialty finance companies. - Assist in the structuring, execution and ongoing monitoring of a wide variety of secured financing transactions. - Prepare transaction materials including term sheets, credit memos, and client presentations. - Coordinate due diligence efforts and internal deal approval processes in line with bank policies and regulatory requirements. - Conduct detailed credit and collateral analysis for proposed transactions across asset types. - Build and maintain financial and cash flow models to assess transaction structure, advance rates, coverage metrics, and risk-return profiles. - Contribute to internal risk reviews and credit committee discussions. - Partner with internal teams to ensure seamless execution and risk oversight. - Support ongoing portfolio monitoring, reporting, and covenant compliance for existing facilities. - Ensure adherence to the bank's credit and regulatory standards throughout the deal lifecycle. Qualifications - 3-5 years of experience at a financial institution in portfolio management and/or loan underwriting, preferably within Lender Finance, or other Structured Finance sectors. - Demonstrated expertise in structured credit underwriting and execution of new business transactions. - Demonstrated ability to manage transactions on a daily, weekly, monthly basis post close. - Proven ability to prioritize work effectively, drive execution of junior level deliverables, meet deadlines, and achieve goals in a fast-paced, dynamic environment. - Excellent verbal, written, and interpersonal communication skills, including the ability to clearly explain complex concepts. - Ability and willingness to travel up to 25% of the time. Requirements - Lead post-closing portfolio and client management, including regular borrower communication, monitoring of collateral and financial performance, covenant compliance tracking, and review/processing of borrowing base submissions and advance requests. - Collaborate with deal teams, credit, and legal to execute amendments and waivers, including coordinating updated diligence, preparing modification memos, and managing changes to legal documentation. - Identify, track, and analyze key performance indicators (KPIs) across similar transactions in the portfolio to support trend analysis, risk identification, and portfolio reporting. - Review monthly and quarterly borrower reporting packages, including financial statements, collateral files, loan tapes, and regulatory reporting, ensuring accuracy and completeness. - Perform ongoing risk assessments by evaluating portfolio performance, concentration risk, collateral quality, and borrower liquidity/capitalization. - Manage recurring credit processes, such as annual reviews, internal risk rating updates, covenant resets, and facility renewals. Benefits - 3+ Years Required; 5+ Years Preferred. - University (Degree) Preferred. - Physical Requirements: Sedentary Work. Career Level 7IC Additional Qualifications - Collaborate with deal team members to assist in structuring, underwriting, documenting, closing and management of loans. - Spread, review, and prepare written analyses of financial statements for borrowers, managers, and guarantors. - Develop cash flow and break-even models; evaluate underlying collateral values; review personal and business credit reports; and assess other relevant factors to support timely and accurate credit decisions. - Review and interpret credit agreements and other legal documents. - Serve as a primary point of contact for clients and internal partners by providing loan status updates, asking follow-up diligence questions, and requesting required documentation to complete initial and ongoing underwriting. Posting End Date: 5/11/26

Role Description The SBA Business Development Officer initiates, negotiates, sells, and packages Small Business Association (SBA) government loans. This role conducts regular outbound sales calls on small business client prospects to develop new business relationships. Responsible for cross-selling small business, consumer, and investment products to new business client prospects and existing customers to deepen relationships and increase profitability. - Sources SBA-government lending and conventional opportunities within assigned territory. - Makes sales calls in conjunction with the Consumer and Business Banking strategic partners for cross-sell opportunities. - Manages the pipeline of active and viable leads. - Interviews new and existing loan applicants to gather information relative to their business needs. - Generates qualified referrals to other bank departments. - Actively participates in external community activities to promote the Bank. - Interacts effectively with Business Banking Center to efficiently process loan application requests. - Works with the appropriate Business Banking Client Advisor and/or Branch for seamless handoff. Qualifications - University (Degree) Preferred Requirements - 5+ years’ experience analyzing and structuring complex SBA credits. - Proven ability to create positive client experiences. - Business banking/lending experience interpreting financial statements. Preferred Qualifications - 7+ years’ experience analyzing and structuring complex SBA credits. - 3+ years of SBA government loan sales experience. - Experience cross-selling small business, consumer, and investment products. - Experience building relationships with business clients. Role Specific Work Experience - 5+ Years Required; 7+ Years Preferred Physical Requirements - Sedentary Work Career Level - 8IC Posting End Date - 5/6/2026

Role Description The Business Banking Associate (BBA) is an integral member of the client-facing team and acts as the primary liaison with the client, client team, and other business partners. The BBA is responsible for supporting the end-to-end credit management process for the assigned producers and assisting the client-facing team with business development, marketing, fulfillment, and implementation support. - Facilitates credit originations, approvals, documentation, bookings, fee collections, and renewals. - Monitors credit compliance, resolves documentation, collateral, and past-due exceptions, ensuring credit quality and data integrity. - Proactively ensures client satisfaction throughout the credit management process, including credit servicing problem resolution. - Ensures timely follow-up of loan monitoring activity to facilitate a sound credit portfolio. - Supports sales efforts by calling on clients, prospects, referral sources, and centers-of-influence to develop new business sales, expand client base, and create a network of prospects from center of influence clients. - Supports outside sales focus, including demand deposit/operating accounts, cash management and other payments services, Business Loans, Business Lines of Credit, Commercial Real Estate Loans, and various other business banking products and services. - Analyzes business financial data and submits complete credit packages for underwriting. - Completes site inspections and confirms inventory levels appear to support business operations. - Responsible for ensuring clients and prospects are satisfied with their experience. - Responsible for the effective onboarding of the client to the bank, implementation of the products and services, and that ongoing servicing expectations are met. - Ensures adherence to policies related to credit and compliance: Know Your Customer (KYC), Anti-Money Laundering (AML), compliance testing, Risk Management support, due diligence requirements, risk grading, and Basel II & Basel III compliance. - Maintains covenant compliance and obtains updated financial information on the existing loan portfolio; documents and maintains risk-based discussions with borrowers. - Recognizes unfavorable trends and makes appropriate recommendations to the business credit center. - Manages the pipeline of active and viable leads, including determining which prospects to call on, and the priority and scheduling of calls. Qualifications - 3+ years of experience in business loan servicing and support - Strong written and verbal communication skills - Exceptional attention to detail Requirements - 5+ years of experience in business loan servicing and support (preferred) - Thorough knowledge of SBA lending process (preferred) - Prior experience working with sales teams (preferred) - Ability to multi-task and prioritize assignments (preferred) - Strong organizational skills (preferred) Educational Requirements - University (Degree) Preferred Physical Requirements - Sedentary Work Career Level - 7IC Posting End Date - 5/3/2026

Role Description The Enterprise and Operational Risk Management (ERM/ORM) Director Sr serves as a strategic leader within the risk management function, responsible for designing, evolving, and integrating the enterprise-wide risk management strategy for both enterprise and operational risks at the bank. The role partners directly with the CRO and senior executives across all business lines and functions to drive risk-informed decision-making across all levels of the organization. - Defines and executes the bank’s ERM/ORM strategy, ensuring an Integrated Risk Management approach. - Ensures fulsome risk and control coverage, optimization, and efficiencies across the three lines of defense in alignment with corporate goals, capital planning, and regulatory requirements. - Demonstrates strong executive presence and ability to influence senior leadership and the Board. - Refines the ERM and core ORM frameworks to elevate the risk management operating model. - Acts as a key advisor to the CRO on emerging risks, industry trends, and regulatory developments. - Leads the bank’s enterprise risk governance processes, including Risk Committees and Board-level risk reporting. - Champions a risk culture across the organization through training, engagement, and integration with performance and incentive structures. - Oversees the development of enterprise-level risk dashboards, key risk indicators (KRIs), and risk aggregation methods. - Drives cross collaboration with stakeholders, peers, and teammates to create feedback loops that elevate the quality of results/outcomes. - Interfaces directly with the bank's executives and regulators on key topics and responds to regulatory inquiries. - Leads, mentors, and grows a team of risk professionals, including Directors and Senior Officers. - Possesses deep expertise in enterprise risk frameworks, regulatory expectations (e.g., OCC, Federal Reserve), and governance. Qualifications - University (Degree) Preferred Requirements - 8+ Years Required; 10+ Years Preferred - Physical Requirements: Sedentary Work Career Level - 10PL Posting End Date - 5/1/26

Role Description The Underwriter Sr - CRE applies advanced knowledge of Commercial Real Estate to underwrite new CRE lending opportunities. This position collaborates closely with the originations team to make credit risk determinations in accordance with EverBank policies and procedures. - Leads the initial credit evaluation and screening of transactions, focusing on qualitative assessment and quantitative evaluation of the new opportunity, including financial modeling. - Supports active bidding and negotiation with counterparties for the most attractive loan opportunities based upon initial credit assessment and risk/return objectives. - Supports and directly participates in the drafting, negotiating and execution of term sheets/LOIs associated with new loans. - Collaborates with the real estate originations team and other internal parties on legal due diligence and documentation for new loan originations and closings, including property inspections, borrower-sponsor meetings and meetings with local market participants to enhance underwriting of property/market/business plan. - Prepares internal credit memos and presentations to investment committee(s). - Provides on-going portfolio management support and related asset management requirements through loan repayment. - Applies advanced knowledge and expertise with all CRE asset classes and functional knowledge of US property markets to make credit approval decisions and recommendations. - Reviews and interprets complex business plans and financials to make recommendations for effective risk mitigation approaches. - Provides loan structuring and credit enhancement strategy recommendations to mitigate credit risk for the bank and to ensure alignment with EverBank’s credit risk appetite and policies. Qualifications - 5 years of experience in commercial underwriting. - Previous experience supporting Commercial Real Estate loans (CRE). Requirements - 7+ years of CRE originations underwriting experience (preferred). - Previous experience conducting complete credit analysis including gathering and analyzing all types of credit information on existing and prospective customers for CRE loans (preferred). - Previous experience with construction loans is a plus (preferred). Benefits - Position will require frequent business travel. Company Description Posting end date - 4/30/26

Role Description The CRE Senior Originator is responsible for sourcing, structuring, and executing CRE lending opportunities by building and expanding relationships with clients, real estate professionals, sponsors, intermediaries, and key market participants. This role drives portfolio growth through disciplined origination, thoughtful transaction screening, and collaborative execution with Credit, Underwriting, and Closing teams. The Sr Originator brings strong market expertise, contributes to strategic pipeline development, and plays a key role in negotiating new proposals/term sheets and guiding transactions from opportunity through closing and into early lifecycle monitoring. Key Responsibilities and Duties - Origination & Business Development: - Develops and manages a robust CRE origination pipeline through direct sourcing, targeted outreach, and relationship development. - Actively markets lending products through networking, conferences, and CRE industry events to build brand awareness and expand market presence. - Deepens existing relationships to grow repeat business and expand penetration in priority markets and asset classes. - Transaction Screening, Structuring & Negotiation: - Performs preliminary credit assessment and deal screening to evaluate sponsor strength, property fundamentals, business plan viability, and alignment with investment parameters and credit appetite. - Prepares and presents proposals and pricing, negotiates final terms directly with company officials based upon credit and real estate factors and ensures the transactions meet CREF investment parameters. - Leads and/or directly participates in drafting, negotiating, and executing term sheets/LOIs, ensuring terms reflect appropriate risk/return objectives and credit discipline. - Supports active bidding and negotiation processes to secure attractive loan opportunities while maintaining underwriting standards and policy alignment. - Execution Ownership & Cross-Functional Coordination: - Assembles and submits complete, high-quality underwriting packages and due diligence materials required for loan evaluation, approval, and processing by the Credit Department. - Coordinates across Credit, Underwriting, Legal, Closing, and (as applicable) Portfolio/Asset Management to ensure efficient execution from screening through closing. - Maintains ongoing involvement through closing and transition into the portfolio, supporting handoff and early lifecycle monitoring as needed through repayment. - Risk Management & Credit Discipline: - Utilizes market and property insights to assess transaction risk and recommend risk mitigation through structure, covenants, and credit enhancement strategies consistent with policy and risk tolerance. - Ensures transactions adhere to internal credit policies, regulatory expectations, and portfolio concentration guidelines. - Partners closely with credit team members to foster a disciplined, collaborative approach that supports growth while maintaining sound credit principles. - Market Expertise & Strategic Contribution: - Maintains expertise across CRE asset classes and develops strong working knowledge of U.S. property markets, including key drivers and submarket trends. - Develops a researched perspective on market conditions and industry trends; shares insights that inform pipeline focus, pricing, and origination strategy. - Contributes ideas to product evolution by providing competitive observations and recommending adjustments aligned with market opportunities and risk appetite. - Leadership & Mentorship: - Serves as a senior resource to junior originators and internal partners by sharing best practices in sourcing, structuring, and execution; may mentor others informally and help elevate team performance (without direct people management responsibility). Qualifications - Ability and willingness to travel up to 30% of the time - 5+ Years Required; 7+ Years Preferred - University (Degree) Preferred Physical Requirements - Sedentary Work Career Level - 9IC Posting End Date - 4/26/26

Role Description The Commercial Loan Underwriter – Industrial will underwrite commercial lending opportunities in an assigned territory, focusing on working capital lines of credit, equipment finance, and owner-occupied real estate. The Underwriter will maintain relationships with internal partners, providing support on portfolio management, risk ratings, and credit structure. The Underwriter will evaluate the credit worthiness of loan applications, making credit recommendations that help the Bank make decisions which minimizes risk to the bank while working to find solutions for the applicants. This job is responsible for constructing a credit memorandum which documents the analysis of credit data, identifies key risks and mitigating factors, and makes credit recommendations which are aligned with the organization's risk appetite. Qualifications - 3 years of experience in commercial underwriting - Previous experience supporting SBA (Small Business Administration) loans - 7a, 504, etc. Requirements - Reviews and prepares commercial loan presentations ensuring files are complete and organized. - Reviews ongoing financial reporting and compliance requirements of existing commercial loan accounts. - Identifies, gathers, and analyzes information to assess credit risk and viability of sources of repayment to determine appropriate loan structure. - Makes recommendations regarding structure, risk ratings, and credit decisions to management, adhering to Bank’s policies and procedures. - Ability to identify strengths and weaknesses in capital, liquidity, loan structure, collateral, and management capability, using the information to assign credit risk rating. - Works in collaboration with relationship managers preparing and presenting credit approval memos with recommendations consistent with bank policy. - Responsible for performing ongoing review and management of the portfolio to identify and minimize risk to the Bank. - Performs multiple tasks for separate transactions accurately in a time critical environment. - Experience with cash and accrual basis accounting, financial statements and related documentation to create financial projections with reasonable assumptions. Benefits - 5+ years of SBA originations underwriting experience (preferred) - Thorough knowledge of SBA SOPs (preferred) - Previous experience conducting complete credit analysis including gathering and analyzing all types of credit information on existing and prospective customers for SBA loans (preferred) - Ability to review comprehensive loan packages to identify, evaluate and ensure compliance with SBA program requirements (preferred) Company Description Physical Requirements: Sedentary Work Career Level: 7IC Posting end date - 4/10/26

Role Description The Asset-Backed Finance Associate will play a key role in supporting the origination, structuring, underwriting, and execution of secured lending transactions across a range of asset classes and client types - including financial sponsors, asset managers, and specialty finance companies. - Assist in the structuring, execution and ongoing monitoring of a wide variety of secured financing transactions. - Prepare transaction materials including term sheets, credit memos, and client presentations. - Coordinate due diligence efforts and internal deal approval processes in line with bank policies and regulatory requirements. - Conduct detailed credit and collateral analysis for proposed transactions across asset types. - Build and maintain financial and cash flow models to assess transaction structure, advance rates, coverage metrics, and risk-return profiles. - Contribute to internal risk reviews and credit committee discussions. - Partner with internal teams to ensure seamless execution and risk oversight. - Support ongoing portfolio monitoring, reporting, and covenant compliance for existing facilities. - Ensure adherence to the bank's credit and regulatory standards throughout the deal lifecycle. Qualifications - 3-5 years of experience at a financial institution in portfolio management and/or loan underwriting, preferably within Lender Finance, or other Structured Finance sectors. - Demonstrated expertise in structured credit underwriting and execution of new business transactions. - Demonstrated ability to manage transactions on a daily, weekly, monthly basis post close. - Proven ability to prioritize work effectively, drive execution of junior level deliverables, meet deadlines, and achieve goals in a fast-paced, dynamic environment. - Excellent verbal, written, and interpersonal communication skills, including the ability to clearly explain complex concepts. - Ability and willingness to travel up to 25% of the time. Requirements - Lead post-closing portfolio and client management, including regular borrower communication, monitoring of collateral and financial performance, covenant compliance tracking, and review/processing of borrowing base submissions and advance requests. - Collaborate with deal teams, credit, and legal to execute amendments and waivers, including coordinating updated diligence, preparing modification memos, and managing changes to legal documentation. - Identify, track, and analyze key performance indicators (KPIs) across similar transactions in the portfolio to support trend analysis, risk identification, and portfolio reporting. - Review monthly and quarterly borrower reporting packages, including financial statements, collateral files, loan tapes, and regulatory reporting, ensuring accuracy and completeness. - Perform ongoing risk assessments by evaluating portfolio performance, concentration risk, collateral quality, and borrower liquidity/capitalization. - Manage recurring credit processes, such as annual reviews, internal risk rating updates, covenant resets, and facility renewals. Benefits - 3+ Years Required; 5+ Years Preferred Company Description - University (Degree) Preferred - Physical Requirements: Sedentary Work - Career Level: 7IC