NightOwl Consulting

• Generate and review Initial Closing Disclosure (ICD) documents for accuracy and completeness in accordance with company policies and regulatory requirements. • Ensure that the ICD is sent to the borrower at least three business days prior to closing, adhering to TRID (TILA-RESPA Integrated Disclosure) regulations. • Review loan terms, fees, taxes, and other financial data to ensure they are accurately reflected in the ICD. • Cross-check all loan documentation to ensure alignment with underwriting conditions and customer information. • Identify and resolve any discrepancies in loan documentation prior to issuing the ICD. • Stay up to date with federal and state mortgage regulations (including TRID) to ensure all disclosures meet legal standards. • Maintain detailed records of all issued ICDs and monitor timelines to ensure compliance with the three-day disclosure rule. • Work closely with loan officers, underwriters, processors, and closing coordinators to ensure all necessary data is collected and accurately reflected in the ICD. • Communicate with the loan origination team to address any borrower questions or concerns regarding the closing disclosure. • Conduct quality control checks on all ICDs before submission to ensure there are no errors or omissions. • Report any issues or trends regarding ICD errors or compliance risks to management for further review.

• Spreadsheet & Data Management - Autonomous data entry and spreadsheet management — no micromanaging required. - Collect, organize, and maintain accurate records with high attention to detail. - Keep data clean, structured, and accessible for the full team at all times. • Email & Document Workflows - Handle high-volume email workflows — managing 4+ emails with attachments daily. - Extract and convert documents to PDF, organizing shared notes and files across OneDrive. - Keep shared drives current and clean so the team always knows where to find what they need. • Tools & Technology - Full Microsoft Suite proficiency is non-negotiable (Word, Excel, Outlook, Teams, OneDrive). - CRM adaptability — you may not know every platform, but you learn fast and apply it well. (Current CRM is Bonzo) - Comfortable picking up new tools and systems without slowing down. • Outreach & Communication - Warm calling — not cold outreach. You understand the difference and build rapport fast. - Professional, confident phone presence with the ability to represent the team well on every call

• Assist in lead generation and manage lead contact information, including adding and organizing contacts in CRM systems. • Manage calendar and scheduling, including appointments and follow-ups. • Conduct cold and warm calls to realtors for business partnerships and recruitment of new loan officers. • Respond to client, realtor, and partner messages via email, text, and social media channels. • Create and post marketing materials, including flyers, presentations, and other promotional content. • Update and maintain lead/contact tracker lists. • Upload and organize client documents in company systems such as Encompass. • Send and follow up on LinkedIn invitations and professional outreach. • Support basic content creation, including content calendars, graphics, and forms.

• Strategy and roadmap: Quarterly marketing planning, KPI tracking, and weekly reporting to US leadership. • Team leadership: Manage and develop two Marketing Coordinators. Run weekly standups, set priorities, remove blockers, conduct performance reviews. • Brand stewardship: Maintain the company's voice, visual identity, and quality bar across every asset. Approve all work before MLO or external delivery. • HubSpot ownership: Operate and continuously improve HubSpot for marketing automation, drip campaigns, MLO opt-in controls, and reporting. • Compliance workflow: Partner with the compliance consulting firm on every flyer, email, and campaign. Ensure all materials meet TRID, RESPA, UDAAP, and state-level requirements. • MLO satisfaction: Run the marketing intake process, hold the team to a 48-hour SLA, and gather feedback from the MLO advisory group monthly. • Content calendar: Own the rolling 90-day content calendar covering rate flyers, market updates, social content, realtor materials, and seasonal campaigns. • Process documentation: Maintain the team's playbook in Waybook including request workflows, brand guidelines, and Claude prompt templates. • Reporting: Monthly marketing performance reports including SLA compliance, drip metrics, MLO adoption, and asset production volume. • Quarterly planning: Build subsequent quarterly plans and budget requests from performance data

• Optimize website pages for high-intent mortgage keywords • Create and manage city-specific landing pages (e.g., Orlando, Winter Park, Tampa) • Implement on-page SEO (titles, headers, internal linking, content structure) • Manage technical SEO elements (schema markup, indexing, site structure) • Convert weekly radio shows into SEO-optimized blog articles • Coordinate YouTube video publishing and optimize titles/descriptions • Develop FAQ-based content targeting common mortgage questions • Maintain a consistent content calendar • Optimize and manage Google Business Profile • Drive a consistent Google review acquisition strategy • Respond to reviews with professional, keyword-rich responses • Ensure alignment across website, YouTube, podcast platforms, and social media • Link all content back to the primary website to build SEO authority • Maintain consistent branding across all platforms • Track keyword rankings and website traffic • Monitor conversion rates and lead sources • Provide monthly performance reports with actionable recommendations

• Prepare and modify slide decks, reports, memos, letters, meeting agendas, and other documents, using word processing, spreadsheet, database, or presentation software. • Work closely and effectively with the Sr. HR Project Manager to keep them well informed of upcoming commitments and responsibilities, following up appropriately. • Assist the Sr. HR Project Manager with HR initiatives including calendaring, meeting agendas, meeting minutes and collecting update from team members. • Perform benefits related tasks including verification of dependents, processing COBRA, and following up with employees on missing documentation. • Perform customer service functions by answering basic employee requests and questions or triaging escalated issues to appropriate party. • Maintain confidentiality of all corporate, personnel, and research matters. • Support HR sub-functions in backup role; as well as, during audits and annual projects, as necessary. • Process changes for employees: collect, verify, upload and send to Payroll to update employee record. • Collect, verify and upload applicable documentation (social security card) for existing employee name changes, send to Payroll and update employee record(s). • Perform other duties as assigned.

• Clean, organize, and maintain large data sets to ensure consistency and accuracy across platforms. • Use advanced Excel functions to analyze and format data for reporting and imports. • Identify data trends, errors, and gaps, and work proactively to resolve issues. • Generate weekly/monthly reports and dashboards to support sales, marketing, and operations teams. • Work within Insellerate or similar CRM systems to update records, manage workflows, and ensure campaign accuracy. • Assist with importing and exporting data, list segmentation, and tag management across CRM tools. • Support automation logic and campaign setup in tools like Go High Level, HubSpot, Salesforce, or Follow Up Boss. • Troubleshoot CRM issues and ensure CRM data aligns with compliance and business needs. • Collaborate with marketing, operations, and sales teams to meet data needs and support campaign execution. • Ensure data integrity and alignment between CRM, email marketing platforms, and analytics tools.

• Database Management & Data Hygiene • Identify and remove duplicate agent records in Insellerate using email addresses and mobile numbers • Maintain database accuracy through ongoing manual cleanup and validation • Audit email lists to identify invalid or non-compliant addresses that may impact campaign deliverability • List Building & Data Extraction • Generate targeted call lists from platforms such as Mailchimp, SlickText, and RETR based on location, production metrics, and partner status • Build and manage Excel-based datasets using advanced formulas to cross-reference multiple sources and eliminate duplicates • Event Registration & Data Coordination • Register agents for events by retrieving and verifying contact data from internal databases and external online sources • Accurately input and manage registrations within Eventbrite • Marketing & Testimonial Management • Extract agent testimonials from post-event SMS campaigns • Format and enhance testimonial content using Canva • Coordinate with the web team to update and publish testimonials on the website • Post-Event Data Processing • Collect and digitize agent referral data from physical lists following events • Input and organize referral data into internal systems for future marketing and follow-up

• Design, build, and deploy autonomous AI agents that can execute business tasks independently • Develop AI-driven workflows for lead generation, customer engagement, and operational automation • Build agents capable of handling initial customer inquiries and basic support functions • Create intelligent systems that can manage repetitive business processes with minimal human intervention • Automate end-to-end business workflows using AI and integration tools • Streamline internal operations through intelligent process design • Develop systems that improve speed, accuracy, and scalability of marketing and sales operations • Continuously optimize AI agent performance and decision-making capabilities • Integrate AI agents with third-party platforms via APIs • Connect systems such as CRMs, messaging platforms, and marketing tools • Ensure smooth data flow between systems for real-time automation • Build and manage automation pipelines using tools such as Zapier (or similar platforms) • Work with structured and unstructured data to support AI agent functionality • Assist in data pipeline design and light data engineering tasks • Ensure data accuracy and usability for AI-driven systems • Develop AI agents for lead generation and qualification • Build automation systems for social media management and scheduling support • Create AI assistants for customer engagement and inquiry handling • Support scalable outreach and communication workflows

• Review loan packets to ensure they are complete and accurate. • Check loan documents and data for consistency and completeness. • Verify loan data entered into the system to ensure accuracy. • Review loan files for compliance with regulatory and internal policies and procedures. • Identify and resolve data discrepancies or inaccuracies in loan packets, which may involve communicating with borrowers, lenders, and other parties. • Assist in identifying and resolving issues related to loan data and documentation. • Collaborate with underwriters, closers, and other stakeholders to ensure the timely and accurate completion of the review process.