Summary: The Claims Examiner is responsible for performing financial reconciliation on all liquidated loans. Identify additional recovery opportunities to mitigate losses for both Freedom Mortgage and its clients. Review and research curtailments, supplemental and remittance incurred losses on liquidated loans, determine validity and report trends or improvement opportunities to management. Determine the root cause for all avoidable losses, work under general direction analyzing multiple data elements to apply the proper decision rationale and attaching evidentiary information to accurate written summaries. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. Essential Job Duties and Responsibilities: - Act as liaison with Loss Analysis Department to review and validate supplemental claim opportunities and remittances to investor/insurers and develop regular management reporting. - Manage all process change notifications for distribution to impacted departments if internal adjustments are necessary. - Maintain Claims Sharepoint site to ensure accurate information regarding claims policy. - Make corrections, complete uploads and maintain updates in system for any EDI errors on claims that have been filed. - Maintain Dashboards within Agency websites/systems. - Respond to and make all corrections identified during the Quality Review Process within 24 hours of receipt. - Responsible for learning new skills and expand job knowledge to better perform assigned duties. - Maintain monthly performance in alignment with quality expectations. - Analyze multiple data elements in order to apply the proper decision rationale and provide evidentiary support to complete accurate written summaries. - Research incurred losses, using analytical skills and subject matter knowledge to determine responsibility and identify bill back opportunities. - Complete routine reporting for management on any findings, curtailments and/or charge offs to be presented to management as required. - Responsible for staying abreast of relevant changes to GSE or Government Mortgage Insured guidelines, industry standards and client expectations. - Ensure timely completion of projects and tasks when assigned. If unable to meet a deadline, the deadline must be renegotiated prior to the initial deadline date. - Look for opportunities to improve the department’s processes and procedures, to reduce costs and eliminate non-essential and manual processes and activities. - Keep Management informed of all trends and problems including, but not limited to, claim denials/curtailments and claim payment offsets. - Comply with all company policies and procedures. - Maintain regular and punctual attendance. Other Job Duties and Responsibilities: Performs other related duties as assigned. Supervisory Responsibilities: - This position is an individual contributor with no direct reports but may provide guidance, leadership, or training to others. Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. - Moderate working knowledge of all Default Servicing processes up to and including Loss Mitigation, Bankruptcy, Foreclosure, Conveyance and Claims in addition to mortgage servicing state, federal and agency guidelines and timelines. - Moderate background in financial and loss analysis including ability to determine: all funds/advances due to Freedom Mortgage have been recovered - Must possess the ability to complete financial reconciliations. - Moderate computer skills with MS Word, Excel. - Strong attention to details and excellent time management and organizational skills. - Comprehensive writing skills, including proper punctuation and grammar, organization, and formatting. - Ability to work under general direction to accomplish department goals and reduce/mitigate financial loss to Freedom Mortgage. - Ability to work effectively and develop rapport with all levels of staff, management, Investors/Insurers and 3rd parties. - Ability to identify urgent matters requiring immediate action and properly escalating them. - Ability to handle multiple tasks under pressure and changing priorities. Education and/or Experience: - High School diploma required; Associate/Bachelor Degree in accounting or other related field preferred. - Five (5) or more years’ mortgage servicing default experience. - One (1) or more years’ Loan Servicing platform experience for all default related activities such as Foreclosure, Bankruptcy, Default Claims, Loss Mitigation, etc. - Previous FHA, VA, USDA and PMI claims experience preferred Certificates, Licenses, Registrations: - None required Work Complexity: Problems and issues faced are difficult and complex, and may require understanding of broader set of issues. Problems typically involve consideration of multiple issues and understanding of the financial/mortgage industry. Problems are typically solved through drawing from prior experience and analysis of issues. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is normally performed in a typical interior office work environment which does not subject the employee to any hazardous or unpleasant elements. The noise level in the work environment is usually moderate. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Equal Employment Opportunity: The company is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information, or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act: Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities: The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. The company may change the specific job duties with or without prior notice based on the needs of the organization.

Summary The Supervisor, FHA Claims is responsible for the coordinating, monitoring and management of the Claims staff which includes Post Sale Specialists and/or Claim and Servicing Specialists. This includes ensuring that the post sale team , HUD Part B, SFLS and CWCOT claims filing process is completed both accurately and timely and in accordance with FHA guidelines from the appropriate disposition action through final claim settlement. Essential Job Functions: - Responsible to ensure that all title packages are completed within insurer timeframe requirements. - Corresponding with law firms around title delays that may impact FHA timelines. - Ensure FHA Part B claims, SFLS, non-conveyance claims (CWCOT-Claims Without Conveyance of Title) are filed accurately and timely in accordance with FHA timeframe requirements. - Manage title package submission process and monitor for approval of all required extensions. - Facilitate weekly/bi-weekly meetings with staff and provide training, coaching and counseling to claims staff. - Utilize exception and control reports to identify backlogs and ensure work is completed timely and accurately. - Ensure daily/weekly follow-up on all outstanding claim proceeds as well as suspended claims. - Keep up to date on all FHA servicing requirements and revisions. - Keep manager/AVP informed of all trends and problems including, but not limited to claim denials/curtailments, avoidable losses, title problems and compliance problems that will create an “out of compliance” condition or expose Freedom to any risk of exposure or liability. - Complete and conduct performance reviews, monitor individual staff performance and work in conjunction with the Human Resources department to resolve performance issues. - Ensure all monthly investor, insurer and other required reporting is completed timely and accurately. - Communicates any trends and / or problems with recommended solutions to department management. - Ability to handle advanced Excel and PowerPoint requirements for the Manager’s area of responsibility. - Maintain regular and punctual attendance Other Related Duties: Performs other related duties as assigned. Supervisory Responsibilities: Manages staff and carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Individuals are knowledgeable in their area of expertise. Identify and resolve problems in a timely fashion following established guidelines. Identify when to refer more complex problems to manager/AVP for resolution. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. Education and/or Experience: Bachelors Degree (B.A.) from a four-year College or University; or four to six years related experience and/or training; or equivalent combination of education and experience. - Strong knowledge base around FHA servicing and expense reimbursement requirements - Fiserv system experience - TEMPO default servicing system experience - CMAX claims system experience Language Skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Mathematical Skills: Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Certificates, Licenses, Registrations None required Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Employment Opportunity Freedom Mortgage is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities The following statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Freedom Mortgage Corporation may change the specific job duties with or without prior notice based on the needs of the organization.

Summary: The Claims Examiner is responsible for performing financial reconciliation on all liquidated loans. Identify additional recovery opportunities to mitigate losses for both Freedom Mortgage and its clients. Review and research curtailments, supplemental and remittance incurred losses on liquidated loans, determine validity and report trends or improvement opportunities to management. Determine the root cause for all avoidable losses, work under general direction analyzing multiple data elements to apply the proper decision rationale and attaching evidentiary information to accurate written summaries. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. Essential Job Duties and Responsibilities: - Act as liaison with Loss Analysis Department to review and validate supplemental claim opportunities and remittances to investor/insurers and develop regular management reporting. - Manage all process change notifications for distribution to impacted departments if internal adjustments are necessary. - Maintain Claims Sharepoint site to ensure accurate information regarding claims policy. - Make corrections, complete uploads and maintain updates in system for any EDI errors on claims that have been filed. - Maintain Dashboards within Agency websites/systems. - Respond to and make all corrections identified during the Quality Review Process within 24 hours of receipt. - Responsible for learning new skills and expand job knowledge to better perform assigned duties. - Maintain monthly performance in alignment with quality expectations. - Analyze multiple data elements in order to apply the proper decision rationale and provide evidentiary support to complete accurate written summaries. - Research incurred losses, using analytical skills and subject matter knowledge to determine responsibility and identify bill back opportunities. - Complete routine reporting for management on any findings, curtailments and/or charge offs to be presented to management as required. - Responsible for staying abreast of relevant changes to GSE or Government Mortgage Insured guidelines, industry standards and client expectations. - Ensure timely completion of projects and tasks when assigned. If unable to meet a deadline, the deadline must be renegotiated prior to the initial deadline date. - Look for opportunities to improve the department’s processes and procedures, to reduce costs and eliminate non-essential and manual processes and activities. - Keep Management informed of all trends and problems including, but not limited to, claim denials/curtailments and claim payment offsets. - Comply with all company policies and procedures. - Maintain regular and punctual attendance. Other Job Duties and Responsibilities: Performs other related duties as assigned. Supervisory Responsibilities: - This position is an individual contributor with no direct reports but may provide guidance, leadership, or training to others. Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. - Moderate working knowledge of all Default Servicing processes up to and including Loss Mitigation, Bankruptcy, Foreclosure, Conveyance and Claims in addition to mortgage servicing state, federal and agency guidelines and timelines. - Moderate background in financial and loss analysis including ability to determine: all funds/advances due to Freedom Mortgage have been recovered - Must possess the ability to complete financial reconciliations. - Moderate computer skills with MS Word, Excel. - Strong attention to details and excellent time management and organizational skills. - Comprehensive writing skills, including proper punctuation and grammar, organization, and formatting. - Ability to work under general direction to accomplish department goals and reduce/mitigate financial loss to Freedom Mortgage. - Ability to work effectively and develop rapport with all levels of staff, management, Investors/Insurers and 3rd parties. - Ability to identify urgent matters requiring immediate action and properly escalating them. - Ability to handle multiple tasks under pressure and changing priorities. Education and/or Experience: - High School diploma required; Associate/Bachelor Degree in accounting or other related field preferred. - Five (5) or more years’ mortgage servicing default experience. - One (1) or more years’ Loan Servicing platform experience for all default related activities such as Foreclosure, Bankruptcy, Default Claims, Loss Mitigation, etc. - Previous FHA, VA, USDA and PMI claims experience preferred Certificates, Licenses, Registrations: - None required Work Complexity: Problems and issues faced are difficult and complex, and may require understanding of broader set of issues. Problems typically involve consideration of multiple issues and understanding of the financial/mortgage industry. Problems are typically solved through drawing from prior experience and analysis of issues. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is normally performed in a typical interior office work environment which does not subject the employee to any hazardous or unpleasant elements. The noise level in the work environment is usually moderate. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Equal Employment Opportunity: The company is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information, or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act: Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities: The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. The company may change the specific job duties with or without prior notice based on the needs of the organization.

Summary The Specialist, FHA Conveynce is responsible for a range of tasks, monitoring an assigned portfolio of loans, from foreclosure sale to the filing of the Part A Claim. This includes RRC (Redemption, Ratification and Confirmation) monitoring, ICC follow-up, title updates, utility/HOA payments, and monitoring for conveyance extensions through the actual conveyance of the property, to HUD. It is essential these functions are handled as timely as possible within established requirements to minimize all associated losses. Essential Job Functions may include: - Monitor all FHA loans in a redemption, ratification or confirmation (RRC) state - Work closely with attorney firms to ensure that insurer timelines are met on all title updates - Work closely with Title Curative Specialist on title issues, escalations and clearance of title defects - Monitor for conveyance extensions and file with HUD as necessary - Monitor to ensure taxes, HOA and Utility payments are maintained and paid timely according to insurer/investor guidelines and requirements for conveyance - Monitor document execution queue and review all documents prior to execution - Monitor for and collect all necessary documents for Part A Claim submission - File all Part A Claims within insurer/investor timeframes - Monitor daily reports and queues - Ensure that escalated issues are communicated to the supervisor when needed. - Plan and schedule work so that it can be performed effectively and efficiently. - Complies timely and accurately with instructions provided by supervisor. If unable to meet a deadline, the deadline must be renegotiated prior to the initial deadline date. - Performs other related duties as assigned. - Maintain regular and punctual attendance Supervisory Responsibilities: This position has no supervisory responsibilities. Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. - Ability to learn FHA guidelines and requirements - Ability to learn the functionality of the claim filing system - Strong problem-solving skills. - Excellent communication skills. - Demonstrates professional behavior and teamwork, is dependable and adheres to Company Policies and Procedures. - Ability to meet deadlines in a fast-paced environment. - Excellent organizational skills - Strong team player. - Microsoft office experience and basic Excel knowledge. - Strong work and business ethics. - Ability to define problems, collect data, establish facts and draw valid conclusions. - Proficient in computer skills and knowledge of word processing, spreadsheets, accounting general ledgers, accounts receivable, accounts payable and e-mail internet software. - Ability to meet critical departmental and federal timelines with accuracy and efficiency. Education and/or Experience: Some College/Associates Degree or equivalent from two-year College or Technical School; or one (1) to two (2) years related experience and/or training; or equivalent combination of education and experience. Language Skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public Mathematical Skills: Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations Reasoning Ability: Ability to solve practical problems and solve a variety of concrete variables in situations where only limited standardizations exists. Ability to intemperate a variety of instructions furnished in written, oral, diagram, or schedule form. Certificates, Licenses, Registrations: None Customer Service Relationships: Assesses and diffuses problem situations and requires influencing others to reach consensus. Requires tact and diplomacy to handle difficult customer relationships. Explores alternatives and creative solutions to meeting the needs of customers. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Work Environment: Tasks are multiple and diverse with some interrelationship across processes. Work requires the direct application of a variety of procedures, policies and/or precedents. Equal Employment Opportunity Freedom Mortgage is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities The following statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Freedom Mortgage Corporation may change the specific job duties with or without prior notice based on the needs of the organization.