Longbridge Financial

• Process applications from submission, to underwriting and closing • Communicate daily with loan officers, borrowers, underwriters, closers, AMCs, and title companies • Reviewing, uploading, organizing, and labeling of file documentation into loan imaging system • Analyze Credit, income, tax returns, asset documents and payment history • Clearing loan conditions for final loan approval • Other duties and/or mortgage or company related tasks as assigned by Management • Ensure confidentiality of client files • The employee must work well under pressure, meeting multiple and sometimes competing deadlines • At all times, the Processor must demonstrate professional behavior with colleagues’ management and customers • Must be able to work independently and also as part of a team

• File structuring and retention to maintain pipeline retention for loans • Review complex loan scenarios and provide guidance • Conduct second-level reviews of loans prior to decisions • Partner with Sales and Operations teams for loan structuring challenges

• Accurately evaluate and underwrite HECM and/or Proprietary reverse mortgage loan files submitted by retail and wholesale production channels, in accordance with company policy and FHA HECM and Platinum program guidelines. • Supervise a team of underwriters and monitor team performance for the review and decisioning of Reverse Mortgage loans • Conduct second level reviews • Assist as needed to resolve escalation questions • Assist in hiring and training underwriters • Collaborate with underwriters, processors, sales, and external brokers to assist with structuring Reverse transactions • Review underwriting decisions and conditions, and may underwrite loans as needed • Have a thorough knowledge of HECM and/or Proprietary Reverse underwriting guidelines and constantly staying on top of any changes • Work closely with Underwriting Management to implement plans, improve consistency, efficiency, and shorten turn times.

Role Description Longbridge is excited to be adding to our Compliance Department. This newly created role, Mortgage Compliance Officer, will be responsible for researching compliance with all mortgage banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards. - In-depth knowledge of state and federal consumer regulations, including but not limited to: - Licensing - TILA - HMDA - RESPA - UDAAP - Non-bank CRA requirements - SOX - Review regulatory changes and assess how the changes might affect the company. Provides recommendations about necessary policy and procedural changes. - Oversee monthly regulatory compliance weaknesses throughout the organization and work with management to identify root causes, remediation steps, and tracking of the issues. - Contribute to the compliance training program, which may include: - Identifying training courses, webinars, etc. - Creating compliance-related training and providing it through various methods. - Monitor federal and state regulatory sources (CFPB, HUD, TILA, HMDA, RESPA, UDAAP state agencies) for new rules, guidance, and legislative updates affecting mortgage lending. - Draft compliance alerts. - Maintain a regulatory change log and ensure all updates are documented, categorized, and escalated appropriately. - Summarize complex regulatory changes into clear, actionable summaries for operations, sales, and executive leadership. - Design and maintain spreadsheets and tracking tools to document changes made in the Loan Origination System (LOS), including version history and effective dates. - Prepare reports, presentations, and meeting materials for internal and external compliance reviews. - Assist in the implementation of compliance policies and procedures. - Respond to compliance-related inquiries from other departments within the company. - Reverse mortgage experience is a plus but not required. Qualifications - Bachelor’s degree is required with a minimum of five (5) years in a compliance role with a financial institution. - Knowledge in mortgage banking and consumer compliance laws and regulations. - Ability to form effective relationships and achieve influence at the most senior level in the organization. - Proactive, motivated, strong attention to detail, and proven track record in building good working relationships. - Ability to work independently as well as in a team environment. - An understanding of when issues require escalation. - Working knowledge of the Microsoft Office Suite of products. - Analytical writing skills along with strong verbal and written communication skills. Requirements - Working in a growing and dynamic industry. - Full benefits: Medical, Dental, Vision, FSA/HSA, and a wide array of voluntary products and discounts. - 401(k) with company match. - Paid time off. - This is an exempt role. - Target base salary range is $130K - $135K, based on various factors including skills and work experience. - Eligible for a competitive additional compensation program via annual bonus based on individual performance. - LBF is an EEO/AA/Vet/Disabled Employer. - Please note that salaries estimated on various job sites may not reflect the actual compensation.

• Underwrites residential loans ensuring compliance with appropriate company, secondary market Investor standards, and all applicable laws • Examines loan documentation for accuracy and completeness • Partners with Loan Originators, Branch Managers and Processors to secure all required documents • Responsible for underwriting files and establishing conditions to meet FHA and LBF guidelines • Ability to make timely, accurate decisions on all FHA transactions • Evaluates risk and ensure quality of each loan decision • Communicates requirements and/or decisions clearly • Reviews all areas of the mortgage loan file to ensure accuracy, completeness, and compliance • Partners with processing to close loans in a timely in efficient manner • Adheres to service level agreements and prioritize workflow

• Manage and maintain the H4S pipeline across assigned wholesale partners • Monitor pipeline performance and identify opportunities to increase funding volume • Re-engage stalled or inactive loan opportunities and drive them toward successful funding • Serve as a primary point of contact for partners on H4S-related scenarios and pipeline updates • Provide a high level of customer service and responsiveness to external partners and internal stakeholders • Support partners with loan structuring, product positioning, and process guidance • Assist in driving adoption of HELOC for Seniors across existing and new accounts • Help partners identify opportunities to utilize H4S with their client base • Support Account Executives by providing product expertise, deal support, and sales guidance • Track and document all H4S loan activity across internal systems and partner pipelines • Ensure alignment between partners, operations, and internal sales teams throughout the lifecycle of the loan • Identify process gaps and work with internal teams to improve efficiency and overall partner experience • Provide product and process training to partners as needed • Support the development of educational materials and sales tools for H4S • Help partners understand borrower eligibility, loan structure, and application process • Work closely with Wholesale Sales Leadership to support growth initiatives • Help expand H4S adoption across key partner accounts • Provide feedback from partners to inform product enhancements and operational improvements • Maintain a strong working knowledge of HELOC products, guidelines, and underwriting considerations • Stay current on industry developments, compliance standards, and market trends impacting HELOC lending

• Assist customers with their online application via inbound calls • Initiate outbound calls to customers who have stalled or been declined • Make 100+ dials per day • Meet business-defined metrics of production • Follow up on HELOC applications with the goal of moving to a funded loan • Answer product-related questions • Solve technical challenges for customers • Manage pipeline of loans • Create interest in reverse mortgage program where H4S cannot work • Transfer non-qualified H4S customers to the reverse team when applicable • Manage lead pipeline via CRM

• Licensed Reverse Mortgage Loan Officers at LBF are assured company-provided qualified leads with no self-sourcing for business or cold calling required. • Communicates professionally and clearly to clients when explaining reverse mortgages. • Calls on prospective clients and introduces them to LBF, the reverse mortgage, and qualifies for counseling session and application. • Collects pertinent information from client and originates Reverse Mortgage. • Performs and sends all paperwork necessary and provides excellent customer service and follow up. • Partners with internal operations to consistently produce clean files. • Explains to clients over the phone on how to complete applications, ensuring all paperwork and signatures needed to process the reverse mortgage are collected timely and accurately. • Maintains timely and accurate records of all customer activity within our CRM Velocify. • Uses a computer proficiently. • Maintains licensing requirements.

Role Description Longbridge Financial is seeking a highly motivated and results-driven Operational Excellence Analyst to support the company through process optimization, system enablement, and data-driven decision making. - 2+ years of experience in financial services, mortgage operations, or a related environment is strongly preferred. In this role, you will directly impact business operations by designing, improving, and scaling critical processes and systems that support production, compliance, and growth. You will serve as a cross-functional partner, ensuring operational efficiency and alignment across the business. This position is ideal for a strategic thinker who thrives in a fast-paced environment and is passionate about transforming complex processes into scalable, efficient, and measurable outcomes. Key Responsibilities: - Process Optimization & Execution: - Analyze, design, and continuously improve operational processes to enhance efficiency, scalability, and effectiveness. - Identify process gaps, risks, and inefficiencies and drive remediation initiatives. - Establish and monitor KPIs and SLAs to ensure performance meets business objectives. - Systems & Technology Enablement: - Partner with technology teams to support system implementations, enhancements, integrations, and deployments. - Administer and optimize key mortgage operational systems. - Ensure systems are aligned with evolving business needs and regulatory requirements. - Data & Business Analytics: - Analyze business, system, and operational data to generate insights and support decision-making. - Translate data into actionable recommendations that drive productivity, quality, and performance. - Cross-Functional & Vendor Collaboration: - Act as a liaison across various internal departments and external vendors and partners. - Support vendor selection, onboarding, and implementation activities. - Ensure alignment across stakeholders during process and system changes. - Operational Governance: - Assist in documenting processes, procedures, and system configurations. - Contribute to audit readiness, risk mitigation, and regulatory compliance. Qualifications - Bachelor’s degree preferred. - 2+ years of experience in financial services, mortgage operations, or a related environment. - Strong analytical and quantitative skills with proficiency in data analysis and interpretation. - Understanding of operational processes, system workflows, and structured process improvement methodologies. Requirements - Process Design & Optimization: Strong ability to break down and improve complex workflows. - Analytical Thinking: Data-driven approach to problem-solving and decision-making. - Systems Orientation: Comfortable working across multiple platforms and tools. - Execution Discipline: Ability to manage initiatives from concept through implementation. - Collaboration & Communication: Effective at building partnerships across technical and business teams. - Attention to Detail: High level of accuracy in managing complex processes and systems. Benefits - Working in a growing and dynamic industry. - Full benefits: Medical, Dental, Vision, FSA/HSA, and wide array of voluntary products and discounts. - 401(k) with company match. - Paid time off. - This is a non-exempt role. - Target base salary range is 65 - 70K which is based on various factors including skills and work experience.

Title: Operational Excellence Analyst - Remote / Hybrid, Paramus, NJ or Houston, TX Location: 61 S Paramus Rd, Paramus, NJ 07652, USA - Employees can work remotely - Full-time Job Description: Company Description At Longbridge, we love seniors and we’re passionate about helping them unlock the power of one of their greatest assets—their home equity. As a leading provider of home equity solutions for seniors, we’re committed to helping older homeowners make the most of what they’ve worked hard to build, so they can live the retirement they imagined. And we don’t just do it well, we do it really well. With an “Excellent” rating on Trustpilot and over a thousand customer testimonials, we’ve earned a reputation for making it easy and stress-free to access home equity—with guidance every step of the way. But it’s not just our customers who love us—our team does, too! We’ve been named a Great Place to Work® three years in a row because we believe that when people enjoy what they do and where they do it, everyone wins. Why Longbridge? At Longbridge, we don’t just offer jobs, we offer careers that grow with you. Here’s why you’ll love being part of our team: - Grow With Us – We’re big believers in investing in our people. From top-notch training to clear career paths, we support your professional growth every step of the way. Plus, we love promoting from within—because when you succeed, we all do. - A Culture That Clicks – We work hard, but we have fun doing it! Whether it’s team-building events, friendly competitions, or just an atmosphere of open communication and collaboration, we make sure work feels less like “just work.” - Benefits That Have Your Back – We’ve got you covered with best-in-class health plans (medical, dental, vision, HSA, and FSA), generous PTO, paid holidays, company-paid life insurance, and a competitive 401(k) match. Because taking care of our team is just as important as taking care of our customers. If you’re looking for a place where your work truly makes a difference, we’d love to have you on board. Apply today and let’s do great things together! Job Description Longbridge Financial is seeking a highly motivated and results-driven Operational Excellence Analyst to support the company through process optimization, system enablement, and data-driven decision making. In this role, you will directly impact business operations by designing, improving, and scaling critical processes and systems that support production, compliance, and growth. You will serve as a cross-functional partner, ensuring operational efficiency and alignment across the business. This position is ideal for a strategic thinker who thrives in a fast-paced environment and is passionate about transforming complex processes into scalable, efficient, and measurable outcomes. Key Responsibilities: Process Optimization & Execution - Analyze, design, and continuously improve operational processes to enhance efficiency, scalability, and effectiveness - Identify process gaps, risks, and inefficiencies and drive remediation initiatives - Establish and monitor KPIs and SLAs to ensure performance meets business objectives Systems & Technology Enablement - Partner with technology teams to support system implementations, enhancements, integrations and deployments. - Administer and optimize key mortgage operational systems - Ensure systems are aligned with evolving business needs and regulatory requirements Data & Business Analytics - Analyze business, system, and operational data to generate insights and support decision-making - Translate data into actionable recommendations that drive productivity, quality, and performance Cross-Functional & Vendor Collaboration - Act as a liaison across various internal departments and external vendors and partners - Support vendor selection, onboarding, and implementation activities - Ensure alignment across stakeholders during process and system changes Operational Governance - Assist in documenting processes, procedures, and system configurations - Contribute to audit readiness, risk mitigation, and regulatory compliance Qualifications - Bachelor’s degree preferred - 2+ years of experience in financial services, mortgage operations, or a related environment - Strong analytical and quantitative skills with proficiency in data analysis and interpretation - Understanding of operational processes, system workflows, and structured process improvement methodologies Core Competencies - Process Design & Optimization: Strong ability to break down and improve complex workflows - Analytical Thinking: Data-driven approach to problem-solving and decision-making - Systems Orientation: Comfortable working across multiple platforms and tools - Execution Discipline: Ability to manage initiatives from concept through implementation - Collaboration & Communication: Effective at building partnerships across technical and business teams - Attention to Detail: High level of accuracy in managing complex processes and systems Reporting Structure This role reports to the Operational Excellence Manager. Why This Role Matters This role is critical to enabling scalable growth, operational efficiency, and system reliability across Longbridge Financial’s mortgage operations. Success in this position will directly contribute to improved production outcomes, reduced operational risk, and enhanced organizational performance. Additional Information - Working in a growing and dynamic industry - Full benefits: Medical, Dental, Vision, FSA/HSA, and wide array of voluntary products and discounts - 401(k) with company match - Paid time off - This is an non exempt role - Target base salary range is 65 - 70K which is based on various factors including skills and work experience. - LBF is an EEO/AA/Vet/Disabled Employer - Please note that salaries that are estimated on various job sites may not reflect the actual compensation. Job sites, set the estimated salary, not Longbridge Financial. 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