Security National Financial Corporation

• Establish strong relationships with realtors, builders, developers, CPAs, and financial planners • Gain applicable expertise in local and national real estate markets • Negotiate ideal price, terms, and conditions for reverse mortgages • Determine and address problems that may arise during the loan application process • Coordinate customer interaction and interface with all parties involved in each individual loan • Guide customers through the loan process, including negotiation, terms, and conditions • Maintain a customer’s relationship with corresponding realtors, builders, developers, CPAs, and financial planners • Learn and understand rules and regulation guidelines from FNMA, FHLMC, FHA, and VA • Keep aware of all origination, processing, appraisal, underwriting, and closing requirements for both company and investor guidelines pertaining to both government insured and privately insured mortgages

• Ensure accurate payment of commissions through a well-established daily auditing process • Provide superior customer service to our sales force via email, phone, or in person regarding commission related topics • Perform activities in the commissions department • Compile and record agent commission data • Compute commission, post commissions, deductions, and process changes • Answer commission questions via phone and email • Monitor and respond to commission emails • Send emails for the commission department • Process and issue commissions • Process transfer requests, commission changes, terminations, and update agent information • Review commission calculations and other information to ensure accuracy and reconcile commission discrepancies • Conduct audits of agent records • Maintain records management system (electronic) • Mail out checks related to the processing of commissions as appropriate • Prepare reports for management • Recommend improvements to work methods or procedures • Use government regulations, forms, and policies • Use knowledge of agent classification system • Assist in other areas of the commission department as needed

• Review and analyze mortgage applications, supporting documentation, credit reports, and financial statements to assess applicants' creditworthiness and ability to repay the loan. • Evaluate borrowers' income, employment history, credit history, debt-to-income ratio, and other relevant financial factors to determine if the loan application meets lending guidelines. • Determine that the prospective borrower not only has the ability to pay but has also proven a willingness to repay their debts, thus limiting the probability of default and collection difficulties. • Look for complete and accurate information on the loan application and loan package and address any questions raised by lack of documentation or information in order to make an underwriting decision. • Validate the borrower has sufficient acceptable cash assets available to close the mortgage. • Evaluate the property to confirm it is sufficient collateral for the mortgage and that it meets the investors and insurer’s minimum acceptable requirements. • Apply established underwriting guidelines and analyze risk to determine whether to approve, decline, or recommend modifications to loan applications. • Prepare comprehensive underwriting conditions and underwriting comments supporting justifications for loan approvals or denials. • Ability to identify red flags and apply prudent underwriting. • Collaborate with loan officers, processors, and other relevant parties to gather information and clarify discrepancies in loan applications. • Utilize the appropriate AUS system and properly entering data into the AUS from the validated information on the URLA. • Collect any information to sell the loan after the loan is closed based on an investor’s suspense, EPD, QC, or other unresolved issues. • Ensure compliance with federal, state, and local regulations, as well as adherence to internal lending policies and procedures. • Stay current with industry trends, lending regulations, and market conditions to adjust underwriting practices as needed. • Other duties as assigned.

• Ensure accurate payment of commissions through daily auditing process • Provide superior customer service to the sales force regarding commissions via email, phone, or in person • Perform activities in the commissions department • Compile and record agent commission data • Compute commission, post commissions, deductions, and process changes • Answer commission questions via phone and email • Monitor and respond to commission emails • Process and issue commissions • Process transfer requests, commission changes, terminations, and update agent information • Review commission calculations and reconcile discrepancies • Conduct audits of agent records • Maintain records management system (electronic) • Mail out checks related to the processing of commissions as appropriate

• Own and manage social media execution across corporate and loan officer channels • Lead social posting tool usage, support, and optimization to drive engagement • Identify and implement opportunities to improve reach, engagement, and consistency across channels • Execute updates to website content, landing pages, and blog posts within WordPress • Support campaign launches by building and updating landing pages • Ensure website content is accurate, compliant, and aligned with current marketing initiatives • Partner with internal stakeholders and external vendors on larger website updates or enhancements • Apply basic SEO best practices, including metadata, page structure, and internal linking • Monitor website performance and flag opportunities for improvement • Serve as a key partner to loan officers for digital marketing support and success • Provide guidance on social media best practices, content usage, and personal branding • Identify common field challenges and develop scalable solutions to improve adoption and effectiveness • Partner with marketing leadership to execute campaigns across channels • Build and support digital assets including landing pages, social content, and email components • Ensure alignment across social, email, and web as part of campaign execution • Contribute ideas for campaign improvements based on performance data and field feedback • Track and analyze performance across digital channels and website activity • Provide recommendations to improve engagement and overall effectiveness • Identify trends and opportunities to enhance marketing impact

• Lead the development and execution of national sales strategies to drive production, profitability, and growth within the Life Company • Achieving sales targets, managing key distribution relationships • Promoting Security National Life’s pre-need insurance products • Develop and implement a comprehensive national sales strategy • Drive performance against established sales and production metrics • Recruit, train, and motivate field sales representatives and distribution partners • Build and maintain strong relationships with key producers, agencies, and brokerage partners • Represent the company at industry conferences, trade events, and client meetings • Collaborate closely with senior leadership to align sales initiatives