Lument

• Ensure insurance compliance obligations are met under loan documents and investor requirements • Provide strategic leadership of the insurance function and oversee operations • Drive performance against key metrics and maintain an efficient operating model • Lead the integration of technology solutions into insurance compliance processes • Partner across functions to align systems and workflows with business needs • Monitor operational reports and key metrics to ensure proactive management • Maintain deep knowledge of lender insurance requirements • Support audit readiness by coordinating data collection for audits

Manage insurance compliance for a portfolio of loans, review policy renewals, address non-compliance issues through effective communication, and monitor deadlines to ensure timely completion of tasks and adherence to regulatory requirements.

Title: Senior Associate, Asset Management Location: Overland Park, KS Dallas, TX Full time Job Description: Purpose and Job Summary: The primary focus of the Senior Associate will be to oversee the administration of our complex Third-Party servicing portfolio and contribute to the team by participating in and overseeing various duties related to the administrative, financial, capital and operations of the portfolio. Essential Duties and Responsibilities: - Track the pipeline of new third-party loan originations and coordinate their onboarding with other Departments within LSAM. - Coordinate the onboarding of any new third-party portfolio acquisitions. - Act as Liaison between Lument and third-party Clients. - Create policies and procedures as needed for the third-party servicing portfolio. - Work with other Departments and Lender Technology to build out Polaris to incorporate the tracking of reporting requirements for all third-party Investors. - Build out the Polaris Risk module to incorporate the risk assessment for the third-party portfolio. - Oversee the day-to-day servicing activities for the third-party portfolio of commercial mortgage loans. - Monitor property performance through review of rent rolls, operating statements, YTD/Trailing financials, and borrower financial reporting. - Monitor loan covenant compliance, including DSCR, NOI trends, lease reviews, occupancy thresholds, loan-to-value, covenant tests, and various other reporting requirements. - Monitor physical condition of property collateral by reviewing or conducting property inspections. - Prepare internal/external reporting packages for Investors. - Coordinate receipt of any post-closing borrower requests/transactions, including loan assumptions, transfers of interest, easement agreements, etc. - Review and approve disbursements from replacement reserves, completion repair, and other collateral escrows in accordance with Investor and established departmental guidelines - Ensure all loan related system changes per specific loan documentation and/or Investor requirements are completed. - Administer balloon and maturing loans per established guidelines - Participate actively as a member of the team and seek to identify opportunities to create value, control costs and reduce risks in our portfolio - Respond to all internal and external inquiries in a timely, accurate and professional manner and handle to conclusion. - Assist management with special projects or any other duties as assigned related to department goals or as may be needed by the team. Travel Requirements - 10 %. Education, Skills and Experience: Required: - Associates or Bachelor’s degree preferred with a concentration in Finance, Real Estate, Management or Business desired. - Minimum five to seven years of progressive experience in commercial mortgage servicing or commercial real estate asset management, with a strong emphasis on Life Company or institutional CRE lenders. - Strong interpersonal skills demonstrated by an ability to communicate effectively with colleagues, clients (internal & external), and various regulatory and industry contacts - Creative and effective problem-solving skills, excellent organizational and analytical skills - Ability to work with and understand financial concepts and perform financial analysis on multifamily and healthcare loans - An excellent customer service attitude - Proficiency in Microsoft Office and list other relevant systems or software - Excellent organizational, communication, presentation, and interpersonal skills - Ability to plan, organize, and prioritize assignments, and to meet critical and established deadlines; · Ability to manage multiple assignments and transactions simultaneously - Demonstrated ability to maintain confidentiality and to use discretion in the performance of daily activities - Professional business image and excellent command of the English language, both verbally and in writing (spelling, grammar, and punctuation) - Ability to learn quickly and demonstrated ability to work independently and as part of a high-performance team - Flexibility and ability to work under pressure with tight deadlines and constant interruptions; Ability to adjust priorities in a changing environment Life at ORIX We are committed to the health and well-being of our employees and offer a quality, competitive benefits package that provides valuable healthcare and financial protection for our workforce, while emphasizing a healthy work/life balance. You Time We want you to have the time needed to recharge and manage life with our competitive vacation policy, floating personal holidays, extensive leave options, our annual observed holidays, and more. Family Care Every family has a different journey and ORIX USA Group is proud to offer extensive benefit programs such as: infertility coverage, adoption support, child and elder care, fully paid maternity, and generous parental leave benefits to help you and your families along the way. Flexible Work Arrangements ORIX associates enjoy the advantages of our hybrid working model with a 3 day in-office minimum requirement. ORIX USA is an equal opportunity employer, providing equal employment opportunities (EEO), and is committed to diversifying its workforce. All employees and applicants for employment will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. This policy applies to all terms and conditions of employment.

Title: Senior Associate, Asset Management - Agency Watchlist Location: Overland Park, KS Columbus, OH Dallas, TX (Pearl St) time type Full time job requisition id R0004148 Purpose and Job Summary: The Senor Associate will perform the loan servicing activities of the GSE Asset Management – Agency Risk team to monitor loan performance, collateral condition, and to protect the company from default. This position helps to monitor compliance with loan terms and government agency loan program guidelines and works with other LSAM associates to address financial/operational issues to avoid or cure defaults. The position coordinates and works with bankers, associates, external counsel, government agency personnel, and any other third parties to carry out post-closing requests. Essential Duties and Responsibilities: - Perform loan surveillance activities for student, seniors, and multifamily housing in compliance with Agency investor requirements. Tasks include but are not limited to: maintaining loan servicing files with detailed documentation in an organized manner, collecting and analyzing financials, communicating escrow analysis changes, delivering delinquency notices, and processing replacement reserve draws - Responsible for a portfolio size up to 40 loans with limited to complicated nonperforming characteristics - Independently process and document post-closing transactions including property management changes, collateral releases, assumptions and transfers - Independently process loan payoff and payoff by assignments by coordinating interdepartmental efforts and applicable internal and Agency approvals - Independently identify and assess loan risk and mitigants - Orchestrate loan workout activities with borrowers, operators, management agents, agencies, and legal counsel - Responsible for calculating quarterly specific reserve and analyze loss share liability - Conduct and write up MBA property inspections independently and monitor deferred maintenance repairs - Write up watchlist risk memos for quarterly risk meetings and present to senior management - Work professionally and harmoniously with team and coworkers - Travel Requirements – 30 % - Other projects and duties as assigned Education, Skills and Experience: Required: - More than 7 years of associate or equivalent experience - Bachelor’s Degree in business administration, finance, accounting or related area - MBA certified to independently conduct property inspections - Comprehensive understanding of multifamily real estate, loss mitigation terms, and agency life of loan functions and players - Ability to independently analyze real estate financials: Income Statement, Cashflow statement, Balance Sheet, Rent Roll - Comprehensive understanding of PSA/SSA and agency loan agreements to understand loan terms, covenants, and remedies - Comprehensive knowledge of servicer advancing on tax, insurance, and principal & interest as well as reimbursement process, with ability to reconcile - Proficiency in Microsoft Office and list other relevant systems or software - Excellent organizational, communication, presentation, and interpersonal skills - Ability to plan, organize, and prioritize assignments, and to meet critical and established deadlines; Ability to manage multiple assignments ant transactions simultaneously - Demonstrated ability to maintain confidentiality and to use discretion in the performance of daily activities - Professional business image and excellent command of the English language, both verbally and in writing (spelling, grammar, and punctuation) - Ability to learn quickly and demonstrated ability to work independently and as part of a high-performance team - Flexibility and ability to work under pressure with tight deadlines and constant interruptions; Ability to adjust priorities in a changing environment Preferred: - Experience working with Fannie Mae and Freddie Mac multifamily loan servicing and products, and/or CMBS loans in Special Servicing Life at ORIX We are committed to the health and well-being of our employees and offer a quality, competitive benefits package that provides valuable healthcare and financial protection for our workforce, while emphasizing a healthy work/life balance. You Time We want you to have the time needed to recharge and manage life with our competitive vacation policy, floating personal holidays, extensive leave options, our annual observed holidays, and more. Family Care Every family has a different journey and ORIX USA Group is proud to offer extensive benefit programs such as: infertility coverage, adoption support, child and elder care, fully paid maternity, and generous parental leave benefits to help you and your families along the way. Flexible Work Arrangements ORIX associates enjoy the advantages of our hybrid working model with a 3 day in-office minimum requirement. ORIX USA is an equal opportunity employer, providing equal employment opportunities (EEO), and is committed to diversifying its workforce. All employees and applicants for employment will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. This policy applies to all terms and conditions of employment.

Title: Associate, Production - Affordable Housing Location: San Diego, CA Job Description: Reporting to the Managing Director, and under the overall direction of the Senior Managing Director, the Associate supports the origination, screening, and execution of multifamily mortgage financing and tax-exempt bond opportunities within Lument's Affordable Housing platform. This role is responsible for analytical, underwriting, and transaction support functions across the deal lifecycle, from initial screening through closing. The ideal candidate demonstrates strong financial and analytical skills, attention to detail, sound judgment, and the ability to work both independently and collaboratively in a fast-paced team environment. Essential Duties and Responsibilities: - Develop a strong working knowledge of all applicable Affordable Housing products offered by Lument, including relevant policies, procedures, and underwriting guidelines. - Build a thorough understanding of the loan origination and underwriting process across Lument's lending programs. - Review and analyze prospective loan opportunities for preliminary qualification and screening. - Perform detailed financial analysis using current and historical property cash flows, operating statements, rent rolls, and other transaction materials. - Conduct market research and support underwriting conclusions with relevant data and analysis. - Maintain and update underwriting models and other transaction-related analytical tools. - Prepare screening narratives, submission memos, and other internal and external deal materials. - Establish, organize, and maintain transaction files and related documentation. - Support transactions from engagement through closing, including day-to-day coordination with internal teams, clients, agencies, investors, counsel, and other funding participants. - Participate in corporate, strategic, and team initiatives as needed. - Collaborate professionally and effectively with colleagues across the organization. - Perform other duties and special projects as assigned. Education, Skills and Experience Required: - Bachelor's degree in business, finance, accounting, real estate, or a related field required. - Minimum of 3 years of relevant experience in multifamily housing finance, affordable housing finance, or a related commercial real estate lending environment. - Experience with Fannie Mae, Freddie Mac, and/or FHA loan programs preferred. - FINRA Securities Industry Essentials (SIE) required within one year of start date. - Advanced proficiency in Microsoft Office, with particular emphasis on Microsoft Excel. - Working knowledge of financial statement analysis, general accounting, cash flow modeling, and mortgage interest calculations. - Knowledge of real estate finance and investment real estate, particularly multifamily and affordable housing, preferred. - Excellent organizational, written, verbal, and interpersonal communication skills. - Ability to synthesize large volumes of information into clear, well-supported credit and business recommendations. - Ability to learn quickly, work independently, and contribute effectively as part of a high-performing team. - Strong time management skills, with the ability to manage multiple assignments and transactions simultaneously in a fast-changing environment. - Flexibility and the ability to perform effectively under pressure and meet tight deadlines. - Highest degree of integrity, professionalism, discretion, and confidentiality in the performance of daily responsibilities. - Strong work ethic, initiative, accountability, and motivation, with a collaborative and solutions-oriented mindset. - Ability to build and maintain trusted working relationships with clients, colleagues, and external partners. - Minimal travel may be required. Annual base salary gross: $85,000 - $95,000 (CA only). The base salary range represents the estimated low and high end of ORIX’s salary for this position based on geography. Actual base salaries will vary and will be based on various factors, such as candidate’s qualifications, skills, competencies and proficiency for the role. The base pay is one component of ORIX’s total compensation package for employees. Other rewards and benefits include cash bonuses, long term incentives, health insurance, accident and life insurance, and retirement benefits. Life at ORIX We are committed to the health and well-being of our employees and offer a quality, competitive benefits package that provides valuable healthcare and financial protection for our workforce, while emphasizing a healthy work/life balance. You Time We want you to have the time needed to recharge and manage life with our competitive vacation policy, floating personal holidays, extensive leave options, our annual observed holidays, and more. Family Care Every family has a different journey and ORIX USA Group is proud to offer extensive benefit programs such as: infertility coverage, adoption support, child and elder care, fully paid maternity, and generous parental leave benefits to help you and your families along the way. Flexible Work Arrangements ORIX associates enjoy the advantages of our hybrid working model with a 3 day in-office minimum requirement. ORIX USA is an equal opportunity employer, providing equal employment opportunities (EEO), and is committed to diversifying its workforce. All employees and applicants for employment will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. This policy applies to all terms and conditions of employment.

Title: Associate, Asset Management - FNMA-3 Location: Dallas, TX (Pearl St) Job Description: Full time job requisition id R0004143 Purpose and Job Summary: The primary focus of the Asset Manager position is to provide outstanding service to internal and external clients, and to aid in the administration of our complex servicing portfolio of Fannie Mae loans. The Asset Manager will contribute to the asset management team by participating in various duties related to the administrative, financial, capital and operations of the portfolio. Essential Duties and Responsibilities: - Monitor physical condition of property collateral by reviewing or conducting property inspections. Follow up with borrower for completion of any required repairs, ensuring completion prior to agreement expiration (if applicable), and advise Investor accordingly. - Collect, review and analyze property financial operations by the specified due date. Identify underperforming and potentially troubled assets and escalate through the proper channels to assure that performance issues are appropriately addressed. - Assess and manage risk by preparing credit watch list rating write ups for executive review and approval. - Review documents from closing to perform loan set up of new or converted loans. As needed, follow up with closing coordinator and legal counsel to collect any missing loan documents, and disseminate pertinent insurance, tax and other information from closing. Set up appropriate follow up systems to manage ongoing compliance with loan document covenants and ensure proper file set-up. - Review and approve disbursements from replacement reserves, completion repair, and other collateral escrows in accordance with Investor and established departmental guidelines. - Make collection calls on loans where payments are not received within specified timeframes, follow up to ensure payment receipt, and report status periodically per established guidelines. Participate in problem loan discussions or required research. Coordinate sending late payment letters and collection of late charges. On loans under workout situations, monitor per modified documents and report as required. - Ensure all loan related system changes per specific loan documentation and/or Investor requirements are completed. - Assist in tax, insurance, UCC, inspection, and financial certifications to the Investor, as required. - Review and approve loan pay offs per established procedures, from initial borrower request through pay off calculation, verification and approval processes. - Coordinate receipt of any loan assumptions, easement agreements, etc. Initiate necessary changes to servicing system, add to loan documents list in system, and notify other departments as applicable. Record agreements if required by Investors and set appropriate ticklers for follow-up or future/pending changes as applicable. - Manager or as may be needed by the team. Travel Requirements - [30-40 %]. Education, Skills and Experience: Required: - Associates or Bachelor’s degree preferred with a concentration in Finance, Real Estate, Management or Business desired. - Minimum one to two years of progressive experience in commercial mortgage servicing or commercial real estate asset management is preferred, with exposure to Fannie Mae a plus. An equivalent combination of education and experience which clearly demonstrates knowledge and skill set to perform the job functions may be considered. - Strong interpersonal skills demonstrated by an ability to communicate effectively with colleagues, clients (internal & external), and various regulatory and industry contacts. - Creative and effective problem-solving skills, excellent organizational and analytical skills. - Ability to work with and understand financial concepts and perform financial analysis on multifamily and healthcare loans. - An excellent customer service attitude. - Proficiency in Microsoft Office and other relevant systems or software. - Excellent organizational, communication, presentation, and interpersonal skills. - Ability to plan, organize, and prioritize assignments, and to meet critical and established deadlines; - Ability to manage multiple assignments and transactions simultaneously. Preferred: - Professional business image and excellent command of the English language, both verbally and in writing (spelling, grammar, and punctuation). - Ability to learn quickly and demonstrated ability to work independently and as part of a high-performance team. - Flexibility and ability to work under pressure with tight deadlines and constant interruptions; Ability to adjust priorities in a changing environment. - MBA Certified to perform inspections. Life at ORIX We are committed to the health and well-being of our employees and offer a quality, competitive benefits package that provides valuable healthcare and financial protection for our workforce, while emphasizing a healthy work/life balance. You Time We want you to have the time needed to recharge and manage life with our competitive vacation policy, floating personal holidays, extensive leave options, our annual observed holidays, and more. Family Care Every family has a different journey and ORIX USA Group is proud to offer extensive benefit programs such as: infertility coverage, adoption support, child and elder care, fully paid maternity, and generous parental leave benefits to help you and your families along the way. Flexible Work Arrangements ORIX associates enjoy the advantages of our hybrid working model with a 3 day in-office minimum requirement. ORIX USA is an equal opportunity employer, providing equal employment opportunities (EEO), and is committed to diversifying its workforce. All employees and applicants for employment will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. This policy applies to all terms and conditions of employment.

Title: Associate Asset Management - Client Services Location: Dallas, TX (Pearl St) Job Description: Purpose and Job Summary: The primary focus of the position is to provide outstanding service to internal and external clients and to aid in the management and administration of our complex loan servicing portfolio through the superior execution of several core functions, interacting with Asset Management, Originations, Closing Coordinators, Investor Reporting and Accounting. This position should demonstrate a high level of knowledge of the servicing related inquires received from internal and external clients. The position will also provide leadership and direction to more junior team members. Performance of these duties at a high level of accuracy and responsiveness is critical to the department to respond to time sensitive requests & other key functions that ensure the satisfaction of our internal and external clients. Essential Duties and Responsibilities: - Promptly responds and provides periodic updates to all client inquiries pursuant to company policies and service levels. - Build relationships with external and internal clients. - Provide direct communication with investors to provide updates and answer loan level questions. - Act as the point of contact for customer issues, requests, and escalated issues as appropriate. - Performs all introductory calls related to the closing of a new loan. - Providing borrowers with any inquiry, request and/or activation issues to the online borrower portal system. - Providing borrowers with any inquiry, request and/or activation issues to the online borrower portal system. - Respond to all internal and external customer inquiries in a timely, accurate, and professional manner. - Processes and documents any change in borrower contact information. - Cross-train in all areas of department to gain full understanding of all aspects of departmental responsibilities, assist management with special projects related to department goals or as may be needed by the team. - Provide regular status updates to manager regarding any outstanding items or deadlines. - Work professionally and harmoniously with team and coworkers - Other projects and duties as assigned Education, Skills and Experience: Required: - An Associate or Bachelor's Degree preferred. - 3-4 years’ experience in commercial loan servicing a plus - Previous experience with the McCracken Strategy system a plus - Proficient in MS Office, with working knowledge of CRM platforms. - Excellent communication skills with background in customer service. - Detailed oriented and independent worker with strong project management skills and ability to adjust to ever changing environment. - Proactive attitude and willingness to take initiative to seek out additional tasks and responsibilities. - Ability to work well under pressure, adjust to varied workloads and multitask. - Demonstrated ability in handling access to sensitive and confidential information. It is expected that this information remains confidential both internally and external to the company in all daily activities. - Professional business image and excellent command of the English language, both verbally and in writing (spelling, grammar, and punctuation). - Flexibility and ability to work under pressure with tight deadlines and constant interruptions; Ability to adjust priorities in a changing environment. Life at ORIX We are committed to the health and well-being of our employees and offer a quality, competitive benefits package that provides valuable healthcare and financial protection for our workforce, while emphasizing a healthy work/life balance. You Time We want you to have the time needed to recharge and manage life with our competitive vacation policy, floating personal holidays, extensive leave options, our annual observed holidays, and more. Family Care Every family has a different journey and ORIX USA Group is proud to offer extensive benefit programs such as: infertility coverage, adoption support, child and elder care, fully paid maternity, and generous parental leave benefits to help you and your families along the way. Flexible Work Arrangements ORIX associates enjoy the advantages of our hybrid working model with a 3 day in-office minimum requirement. ORIX USA is an equal opportunity employer, providing equal employment opportunities (EEO), and is committed to diversifying its workforce. All employees and applicants for employment will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. This policy applies to all terms and conditions of employment.