Unlock Technologies, Inc.

Title: Homeowner Equity Coordinator Location: Phoenix, AZ About Unlock Unlock’s mission is to unleash the power of home equity to enrich people’s lives. We do this through a financial solution called a Home Equity Agreement or HEA, an entirely new way to access and utilize home equity. We’re not a lender, so there are no interest charges or monthly payments and homeowners with poor credit or high levels of debt can still qualify. We're beyond passionate about helping our customers build greater financial resiliency. We are mission driven, consumer centric and our products are designed for the way homeowners want to live their lives today - with flexibility and control. About the role The Home Equity Coordinator (HEC) supports the sales team by managing the documentation collection and homeowner communication required to move HEAs through the sales pipeline to funding. This role acts as the operational bridge between sales, processing, and the homeowner. The HEC is responsible for collecting required documentation, coordinating with the processing team to ensure requirements are met, working with the sales team to prioritize files and providing homeowners with status updates throughout the process. This role assists in managing the active pipelines of multiple Home Equity Officers (HEOs) and ensures transactions progress efficiently, accurately, and with a high level of customer service What you'll do - - Manage and track the active transaction pipelines for multiple HEOs to ensure agreements progress efficiently toward completion. - Collect, organize, and review homeowner documentation required to complete home equity agreements. - Coordinate with the processing team to understand documentation requirements and ensure all required materials are submitted accurately and on time. - Serve as a primary point of contact for homeowners during the transaction process, handling inbound calls and emails regarding status, documentation, and next steps. - Provide homeowners with timely updates and clear communication regarding their transaction status. - Maintain accurate transaction records, notes, and documentation within CRM and internal systems. - Identify missing documentation or potential delays and proactively follow up with homeowners, HEOs, or internal teams. - Communicate updates, issues, or transaction risks to the appropriate HEOs. What we're looking for - - 1 years of Customer Service, Sales or Operations experience in mortgage, real estate, lending, financial services, or transaction coordination roles - Strong and accurate analytical sense and ability to communicate effectively - PC skills including working knowledge of the Microsoft environment and the ability to access, manipulate, organize and relay information in a meaningful way - Demonstrated ability to build and maintain relationships with internal and external stakeholders - Ability to work in a fast-paced team environment - Strong organizational skills with the ability to manage multiple transactions simultaneously - Excellent customer service and communication skills - Must have experience with AI tools - THIS ROLE IS HYBRID IN OFFICE 4 DAYS A WEEK What we offer - Pay rate of $24.00 per hour - Discretionary time off for rest and recharge - Comprehensive health plans covering medical, dental, and vision, fully funded by us - 4% employer match to your 401(k) contributions Unlock is an equal opportunity employer. We evaluate qualified applicants without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, sexual orientation, gender identity or other protected status under all applicable laws, regulations, and ordinances.

• Lead UX research, workflow mapping, and experience design for complex, multi-step lending and servicing processes. • Translate regulatory and business rules (e.g., eligibility constraints, pricing logic, disclosures, servicing requirements) into coherent user flows and system interactions. • Design end-to-end journeys for homeowners, internal teams (Servicing, Underwriting, Post-Closing), and external partners. • Produce wireframes, service blueprints, journey maps, prototypes, and usability test plans to guide product decisions. • Partner with Product Managers to refine requirements, validate assumptions, and define success criteria for new workflows and platform capabilities. • Conduct usability testing and synthesize feedback to iterate on flows, patterns, and information architecture. • Collaborate with Engineering to ensure feasibility, consistent interaction patterns, and accessibility compliance. • Advocate for UX standards and design thinking across teams, ensuring consistency and predictability in how complex rules and data are presented. • Support modernization of internal systems (e.g., Badger 2.0, underwriting tools, servicing workflows) by simplifying dated or fragmented processes. • Ensure experiences are compliant, auditable, and aligned with financial regulations, disclosures, and data-handling requirements. • Contribute to UX work outside of a single product area as priorities shift, supporting cross-team initiatives when needed.

Servicing Representative Tempe, AZ About Unlock Unlock’s mission is to unleash the power of home equity to enrich people’s lives. We do this through a financial solution called a Home Equity Agreement or HEA, an entirely new way to access and utilize home equity. We’re not a lender, so there are no interest charges or monthly payments and homeowners with poor credit or high levels of debt can still qualify. We're beyond passionate about helping our customers build greater financial resiliency. We are mission driven, consumer centric and our products are designed for the way homeowners want to live their lives today - with flexibility and control. About the role The Servicing Representative involves resolving customer inquiries, coordinating with title agents, escrow officers, and loan officers to ensure smooth transactions, and managing complex servicing cases such as refinances, property sales, and buyouts. Additionally, the associate will monitor homeowner financial health, support intervention campaigns, and ensure compliance with servicing guidelines. They will also contribute to workflow enhancements, CRM system improvements, and data analysis to optimize processes and customer satisfaction. What you'll do - End-to-end ownership of standard servicing events such as refinances, owner buyouts, and home sales to ensure an exceptional customer experience and accurate recoupment of settlement funds. - Research, analyze, and resolve customer inquiries related to mortgage operations and Home Equity Agreements via phone and email. - Oversee and enhance workflows, optimizing processes for efficiency, reducing resolution times, and ensuring accurate payoff demands for refinance, property sales, and buyout events. - Coordinate and maintain productive relationships with internal and external stakeholders, customers, heirs, trustees, title agents, escrow officers, and loan officers. - Monitor homeowner financial health, leveraging credit and lien monitoring to support intervention campaigns and financial stability efforts including monitoring mortgage, property tax, and HOA payment status. - Ensure compliance with all policies, regulations, and servicing guidelines, including communication protocols for non-performing assets. - Utilize data analytics and performance metrics to monitor trends, track Key Performance Indicators (KPIs), and drive decision-making. - Oversee and optimize servicing tools, including CRM, CX platforms, chat, and telephone systems, while contributing to system enhancements and quality control. - Implement strategies to enhance customer satisfaction and service quality, ensuring continuous improvement in servicing operations. What we're looking for - High school diploma or equivalent required. - 1+ years experience in FinTech operations, preferably in mortgage operations, title, escrow, or appraisal. - Strong oral and written communication skills, with a talent for building rapport and effectively communicating complex financial information. - High attention to detail and ability to manage high volumes of work. - Ability to balance customer needs and investor requirements, providing optimal outcomes. - A collaborative spirit, both in supporting teammates and in seeking support when necessary. - A proactive approach to responsibilities, ensuring tasks are completed efficiently and effectively. - Experience with Home Equity Agreements or alternatives to traditional mortgages is a plus. - Hybrid role: must be able to work onsite at our Tempe, AZ office Mondays and Wednesdays. What we offer - Discretionary time off for rest and recharge - Comprehensive health plans covering medical, dental, and vision, fully funded by us - 4% employer match to your 401(k) contributions Target compensation is $32.00 - $34.00 per hour. Actual compensation varies based on factors, including but not limited to, relevant skill, prior experience, education, base salary of internal peers, demonstrated performance, and geographic location. Additionally, Unlock’s Total Rewards package is highly competitive, designed to support your success at work, at home, and at play – such as 401K matching, health benefits, and paid time off. Unlock is an equal opportunity employer. We evaluate qualified applicants without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, sexual orientation, gender identity or other protected status under all applicable laws, regulations, and ordinances.

• Effectively manage an individual lead database and pipeline according to company contact standards. • Conduct high-volume outbound calls and handle inbound inquiries via phone, email, and live chat to engage prospective homeowners and provide prompt, professional support. • Support the sales team by managing document collection through phone, text, email, and CX portal requests, ensuring a seamless and efficient process. • Deliver compelling introductions to Unlock’s HEA product, clearly explaining its benefits compared to traditional home equity loans. • Qualify leads by assessing homeowner needs, financial situations, and readiness to engage further in the sales process. • Schedule appointments for senior sales consultants, ensuring a smooth transition of qualified leads. • Maintain detailed and accurate records of all homeowner interactions within the CRM system. • Collaborate with sales consultants and marketing teams to refine sales strategies and improve homeowner acquisition efforts. • Meet or exceed monthly performance targets related to call volume, lead conversion, and appointment setting. • Continuously improve knowledge of Unlock’s products, market trends, and competitors to effectively position HEA solutions.

About Unlock Unlock’s mission is to unleash the power of home equity to enrich people’s lives. We do this through a financial solution called a Home Equity Agreement or HEA, an entirely new way to access and utilize home equity. We’re not a lender, so there are no interest charges or monthly payments and homeowners with poor credit or high levels of debt can still qualify. We're beyond passionate about helping our customers build greater financial resiliency. We are mission driven, consumer centric and our products are designed for the way homeowners want to live their lives today - with flexibility and control. About the role The Securitization Accounting Manager role is responsible for ensuring the accuracy, completeness, and timeliness of all accounting and financial reporting activities related to the company’s servicing operations. This includes asset-level cash flow reconciliation, custodial account management, investor reporting support, and compliance with GAAP and regulatory standards. This position serves as the key liaison between Accounting, Servicing, Investment Operations, Treasury, and Capital Markets to ensure data integrity across systems and timely financial close processes. What you'll do Manage daily and monthly asset-level reconciliations between servicer reports, custodial bank accounts, and the general ledger. Record servicing-related journal entries, including cash receipts, remittances, servicing fees, advances, and investor payments. Partner with Servicing and Treasury to investigate and resolve reconciling items or cash discrepancies. Prepare and review monthly account reconciliations for custodial, P&I, T&I, and corporate accounts. Assist with month-end close and financial statement preparation for servicing-related accounts, ensuring compliance with GAAP. Maintain servicing-related schedules, including servicing fee income, and retained MSRs (if applicable). Support internal and external audit requests and assist in implementing SOX and internal control processes. Collaborate with the Servicing and Capital Markets teams to support securitization or asset sale settlements. Develop and enhance reporting tools and process automation for improved efficiency and accuracy. Prepare and deliver monthly reports on collections, remittances, and master servicing rights, ensuring accuracy and timeliness to support strategic decisions by internal teams and external stakeholders, including potential investors and market participants Assist with special projects, system implementations, and ad-hoc financial analyses. What we're looking for Bachelor’s degree in Accounting, Finance, or a related field required; CPA or CPA-track preferred. 3–7 years of accounting experience within mortgage servicing, loan operations, or financial services. Must have experience with securitization. Competitive compensation package Ongoing professional development and career advancement opportunities Flexible work arrangements and a strong emphasis on work-life balance Target base compensation is $105,000 - $115,000 annually. Actual base salary varies based on factors, including but not limited to, relevant skill, prior experience, education, base salary of internal peers, demonstrated performance, and geographic location. Additionally, Unlock's Total Rewards package is highly competitive, designed to support your success at work, at home, and at play – such as 401K matching, health benefits, employee stock options and paid time off. Unlock is an equal opportunity employer. We evaluate qualified applicants without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, sexual orientation, gender identity or other protected status under all applicable laws, regulations, and ordinances.

• Lead high-impact, cross-functional initiatives that drive measurable improvements in conversion, productivity, and revenue while balancing constraints with legal, regulatory, and operational reality. • Partner with Sales leadership to define and optimize core sales motions including lead assignment, routing, capacity planning, enablement (touch patterns, scripting, and skill development), pipeline hygiene and management, and performance management. • Own the identification, design and execution of process and system improvements across Fulfillment that increase operational efficiency, reduce friction and materially improve the homeowner experience. • Define the business requirements and guide the implementation of Sales technology and tooling, including CRM, telephony, and enablement platforms, in close collaboration with Product and Technology. • Develop and maintain a deep, data-driven understanding of customer, sales, and operational experiences, translating insights into concrete recommendations that influence strategy, process design, and product direction. • Educate and influence stakeholders with data-driven evidence, including Operations leadership with respect to organization-wide metrics, processes, or product direction. • Work with other departments (Marketing, Product, Legal, Operations etc.) to ensure alignment and effective collaboration.

• Process daily funding requests for assets. • Manage asset verification for funding, initiate requests to facility partners, and partner with the Treasury team to ensure timely release of funds to the title company. • Monitor and validate all asset related cash transactions and asset transactions • Run daily settlements for assets that have been repaid and process settlements to investors • Monitor processes that manage and monitor weekly valuations and notable credit changes in our assets • Monitoring and reporting on collateral custody status with our collateral agents • Run finance related daily operations for Unlock’s originations and secondary transactions with investors including Trade Ticketing & Settlement, Collateral Review & Movement, Daily asset fundings, Investor Reporting, Ad-hoc investor data and analysis requests • Partner with developers regarding requirements, discuss proposals, and implement new solutions that improve our process and capabilities • Maintain tools and dashboards used to streamline Investment Ops functions and analyses • Provide feedback to senior technical developers to continuously iterate on and improve existing workflows

• Manage daily and monthly asset-level reconciliations between servicer reports, custodial bank accounts, and the general ledger. • Record servicing-related journal entries, including cash receipts, remittances, servicing fees, advances, and investor payments. • Partner with Servicing and Treasury to investigate and resolve reconciling items or cash discrepancies. • Prepare and review monthly account reconciliations for custodial, P&I, T&I, and corporate accounts. • Assist with month-end close and financial statement preparation for servicing-related accounts, ensuring compliance with GAAP. • Maintain servicing-related schedules, including servicing fee income, and retained MSRs (if applicable). • Support internal and external audit requests and assist in implementing SOX and internal control processes. • Collaborate with the Servicing and Capital Markets teams to support securitization or asset sale settlements. • Develop and enhance reporting tools and process automation for improved efficiency and accuracy. • Prepare and deliver monthly reports on collections, remittances, and master servicing rights, ensuring accuracy and timeliness to support strategic decisions by internal teams and external stakeholders, including potential investors and market participants. • Assist with special projects, system implementations, and ad-hoc financial analyses.