GenWay Home Mortgage, Inc.

Role Description The Vice President (VP), Non-QM Underwriting manages the day-to-day operations of the Non-QM Underwriting team in accordance with established policies, procedures, and appropriate guidelines. This role is responsible for working directly with the VP, Underwriting to implement KPIs and workflows to ensure the Underwriting team is operating effectively and efficiently. - Responsible for day-to-day Underwriting team oversight, including loan assignment for staff for prompt underwriting decisions. - Assist Underwriters with scenario escalations, prioritized rushes, conditions, and newly submitted loans to adhere to department turntimes. - Ensure training materials align with current lending regulations, investor guidelines, and company policies. - Monitor underwriting quality, identify areas for improvement, and create targeted learning plans. - Partner with leadership to establish performance benchmarks and training effectiveness metrics. - Provide coaching, mentoring, and ongoing support to underwriters and support staff. - Maintain production goals and standards in accordance with established KPIs and production metrics. - Supports the organization’s goals and values, gives, and welcomes feedback and contributes to building a positive team spirit. - Stays updated on industry trends, regulations, and best practices related to mortgage underwriting. Qualifications - 7+ years of mortgage underwriting experience, with strong knowledge of FNMA, FHLMC, FHA, VA, and USDA guidelines. - 3+ years of supervisory or management experience in mortgage underwriting or training. - In-depth knowledge of mortgage underwriting guidelines, investor requirements, and regulatory compliance. - Proven ability to interpret and apply federal, state, and investor regulations. - Proven experience driving departmental improvements, managing risk, and leading high-performing teams. - Leadership and coaching skills with the ability to motivate and develop staff. Preferred Qualifications - DE (Direct Endorsement) and/or SAR (Staff Appraisal Reviewer) certifications. - Strong instructional design and training delivery skills (in-person and virtual). - Proven track record of improving underwriting quality and compliance through training initiatives. - Strong project management skills with the ability to lead cross-functional training initiatives. Work Environment - This role is fully remote and performed from the employee’s home or another approved off-site location. - The company provides essential equipment such as computer, headset, and webcam. - A reliable internet connection and a quiet, professional workspace are expected. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to communicate via oral and written communication, such as phone calls, emails, and ticketing systems. The employee frequently is required to stand, walk, use hands and fingers, and reach with hands and arms. This role may require long periods of sitting at a desk and working on a computer. The employee may occasionally be asked to pick up and/or move up to 15 pounds. Duties Disclosure The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time, with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Role Description The Sr. Quality Control (QC) Analyst is responsible for evaluating loan quality throughout the mortgage loan process across all channels and product types. This role performs detailed pre- and post-closing loan reviews to ensure compliance with all applicable federal, state, and local laws and regulations, as well as investor, insurer, and agency requirements. - Conduct advanced pre- and post-closing quality control reviews for conventional, government, non-QM, and business-purpose loan products, with emphasis on complex underwriting transactions. - Independently review and analyze loan files, including applications, credit reports, underwriting decisions, income and asset documentation, disclosures, appraisals, title policies, and related documentation. - Verify income calculations, loan-to-value (LTV), and debt-to-income (DTI) ratios. - Analyze QA/QC data and quality metrics to identify trends, defects, and risk areas. - Select, manage, and execute targeted QA/QC audit selections. - Manage Internal Watch List and Exclusionary Lists. - Maintain and manage all audit documentation, including checklists, scorecards, trackers, and reports. - Prepare and distribute daily, weekly, and monthly QA/QC reports to senior management. - Select loan files for QA/QC vendor review, submit files to vendors, and monitor performance and turnaround times. - Perform QA/QC reviews of third-party vendor work and calibrate findings and feedback. - Review third-party vendor audit reports, reconcile discrepancies, and implement corrective action plans. - Oversight of Pre-Doc QC Process, Checklists, Calibration, Training, Staff, and Data integrity. - Perform early payment default audits, component testing, servicing QC, special investigations, and high-risk or red-flag audits as assigned. - Ensure production compliance with company policies, agency requirements, TRID, state and federal regulations, and insurer/guarantor guidelines. - Identify potential eligibility concerns or red flags and escalate suspected misrepresentation to Fraud Management. - Provide training and ongoing support to QA, QC, and operations staff. - Perform administrative and database management duties as needed. - Maintain subject matter expertise in mortgage regulations, agency guidelines, and loan program requirements. - Complete additional responsibilities as assigned. Qualifications - Minimum of 5+ years of underwriting experience preferred. - Required experience with Conventional, FHA, and VA loan products. - Strong knowledge of federal regulations and applicable state laws. - Ability to interpret and apply policies, programs, and guidelines accurately. - Excellent attention to detail, organizational skills, and written and verbal communication abilities. - Prior QC/QA experience preferred. Requirements - The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. - While performing the duties of this job, the employee is regularly required to communicate via oral and written communication, such as phone calls, emails, and ticketing systems. - The employee frequently is required to stand, walk, use hands and fingers and reach with hands and arms. - This role may require long periods of sitting at a desk and working on a computer. - The employee may occasionally be asked to pick up and/or move up to 15 pounds. Work Environment - This role is fully remote and performed from the employee’s home or another approved off-site location. - The company provides essential equipment such as computer, headset, and webcam. - A reliable internet connection and a quiet, professional workspace are expected.

Role Description The Senior Non-QM Underwriter is responsible for reviewing and evaluating complex residential mortgage loan applications that fall outside of Non-Qualified Mortgage (NQM) standards. This role requires advanced underwriting expertise to assess layered risk, analyze alternative income documentation, and make sound credit decisions in accordance with investor guidelines and company policies. The ideal candidate thrives in a flexible lending environment and demonstrates strong judgment, accuracy, and efficiency. - Underwrite complex transactions to ensure the loan meets established underwriting guidelines for Full & Alt doc programs: 1099, bank statement, DSCR, asset utilization, P&L, etc. - Perform detailed analysis of borrower credit, income, assets, and collateral to determine overall risk and loan eligibility. - Apply investor guidelines and internal overlays to make sound, well-documented underwriting decisions. - Evaluate loan-to-value ratios, debt-to-income ratios, and other financial indicators to make informed decisions. - Conduct thorough risk assessments to identify potential issues or red flags. - Issue loan decisions to our business partners in a clear and concise manner. - Provide exceptional customer service to both our internal and external customers, including but not limited to answering loan specific questions on agency programs, reviewing program requirements within established SLAs, and ensuring collaboration with loan officers, processors, and other stakeholders to resolve issues and ensure complete loan files. - Stay current on NQM regulations, investor updates, and industry best practices. - Stay updated on industry trends, regulations, and best practices related to mortgage underwriting. Qualifications - Minimum 3 years of experience (recent experience within the last 2 years) in Mortgage Lending, with at least 2 years of experience as a NQM Underwriter. - FHA Chums and/or VA Lapp SAR recommended but not required. - Encompass experience is required. - Recent manual underwriting experience in the mortgage industry. - Proficient in self-employment income calculations and guidelines. Preferred Qualifications - Recent manual underwriting experience in the mortgage industry. - Proficient in self-employment income calculations and guidelines. Work Environment This role is fully remote and performed from the employee’s home or another approved off-site location. The company provides essential equipment such as computer, headset, and webcam. A reliable internet connection and a quiet, professional workspace are expected. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to communicate via oral and written communication, such as phone calls, emails, and ticketing systems. The employee frequently is required to stand, walk, use hands and fingers and reach with hands and arms. This role may require long periods of sitting at a desk and working on a computer. The employee may occasionally be asked to pick up and/or move up to 15 pounds. Duties Disclosure The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time, with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Role Description The main goal of the Senior Account Executive will be to partner with Brokers to submit loans and maintain their Sales pipeline. - Maintains sales contact, pipeline, and other pertinent sales activity reports and uses OptifiNow. - Works together with Operations Staff to facilitate loans from Submission to Funding. - Responsible for establishing new business, developing current business relationships, and ensuring overall client satisfaction. - Obtains approval packages for new clients when needed. - Responsible for soliciting business from mortgage entities (Open territory). - Follows up on potential clients. - Provides ongoing service support to clients. - Communicates and trains clients on GenWay’s products, policies, and procedures to ensure all loan files are complete and within guidelines. - Represents the company in a professional and enthusiastic manner by providing an exceptional level of customer service, supporting the mission statement, and adhering to core values. - Supports the organization’s goals and values, gives and welcomes feedback, and contributes to building a positive team spirit. - Additional responsibilities as management sees fit. Work Environment - This role is fully remote and performed from the employee’s home or another approved off-site location. - The company provides essential equipment such as computer, headset, and webcam. - A reliable internet connection and a quiet, professional workspace are expected. Competencies - Excellent computer skills and working knowledge of MS Office products. - Ability to communicate effectively both verbally and in writing. - Ability to organize and prioritize workload and meet deadlines. - Strong customer service skills. - Strong attention to detail and organization skills. Minimum Qualifications - 1-2 years of experience as Account Executive inside or outside sales in Wholesale lending channel. - Prior Wholesale/Non-Delegated Correspondent Account Executive experience required. - Proven track record of success in Sales. - Minimum of 3 years mortgage industry experience. Preferred Qualifications - CRM Experience – OptifiNow preferred. - Experience with Encompass. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to communicate via oral and written communication, such as phone calls, emails, and ticketing systems. The employee frequently is required to stand, walk, use hands and fingers, and reach with hands and arms. This role may require long periods of sitting at a desk and working on a computer. The employee may occasionally be asked to pick up and/or move up to 15 pounds. Duties Disclosure The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time, with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Role Description The main goal of the Senior Account Executive will be to partner with Brokers to submit loans and maintain their Sales pipeline. - Maintains sales contact, pipeline, and other pertinent sales activity reports and uses OptifiNow. - Works together with Operations Staff to facilitate loans from Submission to Funding. - Responsible for establishing new business, developing current business relationships, and ensuring overall client satisfaction. - Obtains approval packages for new clients when needed. - Responsible for soliciting business from mortgage entities (Open territory). - Follows up on potential clients. - Provides ongoing service support to clients. - Communicates and trains clients on GenWay’s products, policies, and procedures to ensure all loan files are complete and within guidelines. - Represents the company in a professional and enthusiastic manner by providing an exceptional level of customer service, supporting the mission statement, and adhering to core values in all functions of their job responsibilities and interaction with internal and external customers. - Supports the organization’s goals and values, gives and welcomes feedback, and contributes to building a positive team spirit. - Additional responsibilities as management sees fit. Work Environment - This role is fully remote and performed from the employee’s home or another approved off-site location. - The company provides essential equipment such as computer, headset, and webcam. - A reliable internet connection and a quiet, professional workspace are expected. Competencies - Excellent computer skills and working knowledge of MS Office products. - Ability to communicate effectively both verbally and in writing. - Ability to organize and prioritize workload and meet deadlines. - Strong customer service skills. - Strong attention to detail and organization skills. Minimum Qualifications - 1-2 years of experience as Account Executive inside or outside sales in Wholesale lending channel. - Prior Wholesale/Non-Delegated Correspondent Account Executive experience required. - Proven track record of success in Sales. - Minimum of 3 years mortgage industry experience. Preferred Qualifications - CRM Experience – OptifiNow preferred. - Experience with Encompass. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to communicate via oral and written communication, such as phone calls, emails, and ticketing systems. The employee frequently is required to stand, walk, use hands and fingers, and reach with hands and arms. This role may require long periods of sitting at a desk and working on a computer. The employee may occasionally be asked to pick up and/or move up to 15 pounds. Duties Disclosure The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time, with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.