NightOwl Consulting Philippines Inc.

• 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.

• Email Management: Efficiently manage and prioritize the executive's email correspondence, ensuring timely responses and appropriate follow-ups. • Phone Calls: Handle both inbound and outbound calls as needed • Calendar Management: Maintain and organize complex calendars, schedule appointments, and coordinate meetings with internal and external stakeholders. (use of Calendly is integrated) • Bookkeeping: Provide light bookkeeping support, including expense tracking, invoice processing, and financial documentation organization. • Marketing Support: Utilize Canva for designing professional and visually appealing presentations, marketing materials, and other collateral as needed. This may include graphics such as thank-you notes, birthday cards, etc. • Social Media: Coordinate a social media calendar to ensure all posts make it to the appropriate medium. • Travel Coordination: Arrange and coordinate travel plans, accommodations, and itineraries for business-related trips. • Document Preparation: Draft and edit correspondence, reports, and other documents on behalf of the executive team. • Meeting Coordination: Prepare meeting agendas, attend meetings as needed, and compile meeting minutes. Ensure effective communication and collaboration within the team. • Project Management: Assist in managing special projects, ensuring they are completed accurately and on time.

• Manage the CIO’s calendar and coordinate scheduling across designated IT and Training leaders, proactively resolving conflicts, protecting focus time, and organizing recurring leadership meetings, including monthly Senior Leadership Team sessions. • Prepare meeting agendas, capture and distribute notes, track action items, and follow up on outstanding deliverables to ensure timely completion. • Draft, edit, and manage correspondence on behalf of the CIO and designated leaders; triage incoming requests and direct them to the appropriate stakeholders. • Coordinate domestic and international travel arrangements, develop detailed itineraries, and process expense reports for the CIO and designated leadership team members. • Support contract administration, vendor onboarding, and renewal processes in partnership with procurement teams; monitor key dates and route documentation for review and approval. • Maintain departmental records, distribution lists, organizational charts, and shared documentation, ensuring accuracy, version control, and appropriate access permissions. • Monitor deliverables, milestones, and deadlines across IT initiatives; coordinate cross-functional collaboration and provide leadership with clear visibility into project status and progress. • Handle sensitive personnel, security, financial, and vendor information with the highest level of professionalism, confidentiality, and compliance with company data security policies. • Perform other duties and responsibilities as assigned.

• Determine the inherent risk tier (Tier 1, Tier 2, or Tier 3) for every third party prior to contracting or engagement, consistent with the criteria defined in TPRM02. • Perform and document inherent risk assessments during onboarding, according to the policy reassessment schedule (annual for Tier 1 and bi-annual for Tier 2 vendors), and whenever a material change occurs in the vendor relationship. • Administer the due diligence process, including the issuance and evaluation of vendor due diligence questionnaires (DDQs), SOC 1 and SOC 2 reports, financial statements, insurance certificates, business continuity and information security documentation, and licensing or regulatory standing. • Maintain the authoritative third-party inventory, including assigned risk tier, services provided, data classification, system access, contract status, and all supporting documentation. • Administer the Company’s vendor management software platform, including profile setup, document collection, workflow configuration, expiration tracking, contract repository management, and audit history maintenance. • Monitor all vendors, contractors, and third-party counterparties against the FHFA Suspended Counterparty List (SCL) prior to engagement and on a recurring monthly basis; immediately escalate any matches to General Counsel and Compliance. • Coordinate contract reviews with Legal to ensure all required clauses are included, including information security, confidentiality, audit rights, subcontracting, breach notification, business continuity, termination, and return or destruction of data provisions. • Track and report vendor incidents, performance issues, breaches, and remediation activities; communicate findings to business owners and escalate material concerns to the Risk Management Committee. • Maintain documentation of vendor reviews, due diligence activities, identified risks, and required remediation efforts; provide training to business owners on intake and approval workflows. • Administer the vendor termination process, including coordination of the return of Company property and the return or destruction of Company data and information in accordance with legal and regulatory requirements. • Document and route policy exceptions for approval by the Third-Party Risk Manager and, when required, the Risk Management Committee. • Prepare periodic TPRM reporting and performance metrics for senior leadership, the Risk Management Committee, internal audit, external examiners, investors, and warehouse lenders. • Support audits and regulatory examinations by producing vendor inventories, risk assessments, due diligence files, and program documentation upon request. • Coordinate with the AI Governance Committee on due diligence and risk tiering activities related to third-party AI solutions and AI-enabled vendor features, consistent with RAIG01 Section 10. • Lead the annual review of the Third-Party Risk Management Policy (TPRM02) and recommend revisions for approval. • Perform other duties and responsibilities as assigned.

• Lead the design, development, and continuous improvement of training programs, courses, and learning materials for operational teams, utilizing instructional design methodologies and adult learning best practices. • Develop, update, and maintain Quick Reference Guides (QRGs), job aids, HUB pages, e-learning modules, and process documentation across multiple formats and delivery channels. • Partner with subject matter experts across processing, underwriting, and other business functions to capture accurate workflows and translate complex processes into clear, practical, and actionable learning content. • Conduct training needs assessments to identify skill gaps, knowledge deficiencies, and performance improvement opportunities, and recommend targeted learning solutions. • Translate underwriting guidance, quality control (QC) feedback, regulatory updates, and operational changes into effective training materials, process documentation, and learning resources. • Evaluate training effectiveness through learner feedback, assessments, performance metrics, and operational outcomes, and continuously refine content based on results. • Ensure all training materials accurately reflect current operational workflows, policies, procedures, and business practices. • Identify gaps in documented processes, training content, and operational execution, and implement updates to improve consistency, efficiency, and knowledge transfer. • Maintain training content within the BM HUB, ensuring proper organization, version control, accessibility, and ongoing content governance. • Monitor recurring operational issues and performance trends, providing recommendations to enhance training programs, process documentation, and workflow execution. • Support onboarding materials, new hire training initiatives, and targeted learning programs as needed to meet business and operational objectives. • Perform other duties and responsibilities as assigned.

• Provide responsive, first-level technical support for desktops, laptops, mobile devices, printers, and software, both onsite and remotely. • Manage and prioritize incoming support requests via Zendesk ticket queue, email, phone, and other communication channels. • Set up new user accounts and email addresses, configure Outlook desktop, and perform password resets. • Assist users with Multi-Factor Authentication (MFA) setup and troubleshooting. • Perform onboarding and offboarding tasks, including equipment setup, software configuration, and access provisioning or deprovisioning. • Install and uninstall software applications as needed based on department requirements. • Troubleshoot and resolve hardware, connectivity, Windows OS, VPN, VoIP, scanning/printing, and browser-related issues. • Utilize tools such as ScreenConnect for remote support and Tanium for asset management and inventory tracking. • Collaborate with other IT teams and escalate issues as appropriate, balancing urgency and impact to minimize downtime. • Ensure all support activity is well-documented in accordance with internal standards and service-level agreements (SLAs). • Contribute to technical documentation, knowledge bases, and SOPs to support continual service improvement. • Stay informed of evolving technologies, particularly those related to Windows environments and enterprise software tools.

• Design, build, and maintain Power BI reports and dashboards that are accurate, high-performing, and easy for business users to navigate. • Develop and optimize data models, measures, and DAX calculations to support reliable, scalable, and reusable reporting across the organization. • Connect to, transform, and prepare data from multiple source systems, including the loan origination system, using SQL and Power Query to create clean, analysis-ready datasets. • Collaborate with business stakeholders to gather requirements, translate business needs into meaningful metrics, and deliver actionable reporting solutions. • Manage Power BI workspaces, datasets, scheduled refreshes, and row-level security to ensure reports remain current, secure, and accessible to the appropriate users. • Analyze reporting results to identify trends, anomalies, and business opportunities, and present insights and recommendations to stakeholders. • Validate data accuracy against source systems, document report logic and data sources, and adhere to established data governance, compliance, and security standards. • Stay current with Power BI enhancements, emerging BI technologies, and industry best practices, proactively recommending improvements to reporting performance and self-service analytics capabilities. • Perform other duties and responsibilities as assigned.

• Develop and execute digital design projects for social media, ensuring all visuals are engaging and on-brand. • Create visually appealing email templates and website designs that enhance user experience. • Collaborate with the marketing team to produce cohesive and effective digital campaigns. • Utilize Adobe Creative Suite, including but not limited to InDesign, to create high-quality design assets. • Ensure all designs are logically constructed and convey the desired message effectively. • Maintain brand consistency across all digital platforms.

• Review, redline, and approve marketing and advertising materials submitted by loan officers, branches, and corporate marketing, including flyers, mailers, rate sheets, open-house collateral, presentations, and co-branded materials. • Evaluate all triggered-term advertising for required disclosures under TILA / Regulation Z §1026.24 (e.g., APR, payment, term, and rate disclosures), ensuring clear and conspicuous presentation. • Screen content for prohibited, deceptive, or misleading representations under the MAP Rule (Regulation N, 12 CFR Part 1014), including claims about rates, payments, government affiliation, FHA/VA programs, and “too good to be true” offers. • Confirm proper use of company NMLS ID, individual LO NMLS IDs, Equal Housing Lender language, licensing footers, and required state-specific advertising disclosures. • Audit company and loan-officer websites, landing pages, and microsites for accurate licensing disclosures, disclaimers, and compliant rate/payment presentations. • Review social media posts, paid digital ads, email campaigns, video, and text/SMS marketing for advertising-rule compliance across all channels. • Monitor third-party lead-generation, listing-site profiles, and co-marketing arrangements for compliance with advertising rules and RESPA Section 8 marketing-services considerations. • Maintain advertising review logs and retain commercial communications consistent with MAP Rule recordkeeping requirements (24-month retention) and company policy. • Track review turnaround times, recurring deficiencies, and approval status; report trends and risk areas to the Chief Compliance Officer. • Assist with updates to advertising policies, disclosure libraries, and pre-approved template language as regulations and guidance evolve. • Deliver targeted training and feedback to loan officers and marketing staff on common advertising violations and best practices. • Support regulatory examinations, audits, and investor/agency reviews by compiling advertising documentation and responding to findings.

• Onboard all new vendors — collect and file W-9s and current addresses • Follow the festival budget spreadsheet and track all submissions and approvals • Ensure quotes and estimates are attached to all bills in QuickBooks • Work with the Festival Director and Crew Director on payment timing and prioritization • Attach invoices to all payments in QuickBooks — no exceptions • Reconcile the budget, QuickBooks, and bank accounts to track cash flow throughout the festival period • High-volume period: approximately 700 entries and payments within a 2–3 week window — must be fully operational before July • Weekly QuickBooks entry for the prior week's shows • Enter vendor information from W-9s • Process crew payments and other recurring entries • Consistent, repeatable workflow — approximately 6 entries per event • Run payroll for vendors and employees on the 1st and 15th of each month via Gusto • Track all payments from submission through completion • Maintain alignment across: budget spreadsheet, QuickBooks, Gusto/Melio, payment tracking sheet, and bank statements • Flag any discrepancies across systems proactively • Manage and respond to the bookkeeping inbox • Communicate with vendors, employees, and financial institutions in a timely and professional manner • Work directly with vendors on payment timelines, invoice submission, and preferred payment methods • Represent the company in a positive and professional manner in all vendor communications • Distribute guidance and information to subcontractors as needed