Overview We are always searching for talented Underwriters to join our team. One of the biggest benefits about Underwriting with PRMG is that we encourage remote Underwriting, and you can work for us from anywhere in the nation. We are proud to say PRMG has one of the most aggressive bonus structures for Underwriters in the industry. Our Bonus structure has allowed some of our underwriters to double their base salary per year. Lastly, we are big on Work Life Balance and Teamwork here, our Underwriters work on a pod system that creates a positive work environment that allows Underwriters the perfect conditions for success and growth. PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMG’s Internal and External Job Portal to request a transfer to a different department or position. Responsibilities Mortgage Underwriter Responsiblities - Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines. - Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product. - Checks accuracy of all calculations and data integrity. Completion of all required underwriting worksheets found in Fast Trac 360 Resource Center. - Assists with the training of new underwriters. - Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation. - Maintains company standard for Underwriter productivity level, and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions. - Strives to meet 3 Underwriting decisions/day within allotted time - Communicates decision on loans to appropriate parties both verbally and in writing. - Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager. - Available to processors and correspondents for general Underwriter guideline interpretations and questions on specific loan files. - Responds to post closing reviews and audits in a timely fashion. - Performs related duties, as directed by Underwriter or Operations Manager. Qualifications Mortgage Underwriter Qualifications - Minimum three years of mortgage underwriting experience, with solid working knowledge of underwriting guidelines. - Experience Underwriting private investor and private mortgage insurance guidelines. - Strong interpersonal-communication and business-relationship skills. - Detail oriented with strong organizational and follow-through skills. - Excellent analytical, written communication and verbal communication skills. - Technologically proficient. - Bachelor’s degree in related field or equivalent professional experience. At PRMG, we not only celebrate and support differences, we thrive on it for the benefit of our employees, our products, and our community. We are proud to be a workplace that provides equal employment opportunities to all employees and applicants and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, marital status, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. Min USD $85,000.00/Yr. Max USD $95,000.00/Yr.

Overview We are always searching for talented Underwriters to join our team. One of the biggest benefits about Underwriting with PRMG is that we encourage remote Underwriting, and you can work for us from anywhere in the nation. We are proud to say PRMG has one of the most aggressive bonus structures for Underwriters in the industry. Our Bonus structure has allowed some of our underwriters to double their base salary per year. Lastly, we are big on Work Life Balance and Teamwork here, our Underwriters work on a pod system that creates a positive work environment that allows Underwriters the perfect conditions for success and growth. PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMG’s Internal and External Job Portal to request a transfer to a different department or position. Responsibilities Mortgage Underwriter Responsiblities - Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines. - Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product. - Checks accuracy of all calculations and data integrity. Completion of all required underwriting worksheets found in Fast Trac 360 Resource Center. - Assists with the training of new underwriters. - Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation. - Maintains company standard for Underwriter productivity level, and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions. - Strives to meet 3 Underwriting decisions/day within allotted time - Communicates decision on loans to appropriate parties both verbally and in writing. - Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager. - Available to processors and correspondents for general Underwriter guideline interpretations and questions on specific loan files. - Responds to post closing reviews and audits in a timely fashion. - Performs related duties, as directed by Underwriter or Operations Manager. Qualifications Mortgage Underwriter Qualifications - Minimum three years of mortgage underwriting experience, with solid working knowledge of underwriting guidelines. - Experience Underwriting private investor and private mortgage insurance guidelines. - Strong interpersonal-communication and business-relationship skills. - Detail oriented with strong organizational and follow-through skills. - Excellent analytical, written communication and verbal communication skills. - Technologically proficient. - Bachelor’s degree in related field or equivalent professional experience. At PRMG, we not only celebrate and support differences, we thrive on it for the benefit of our employees, our products, and our community. We are proud to be a workplace that provides equal employment opportunities to all employees and applicants and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, marital status, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. Min USD $85,000.00/Yr. Max USD $105,000.00/Yr.

The Credit Underwriter OE is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. Responsibilities: - Reviews loan submissions for credit judgment and credit worthiness, documentation, ability to pay calculations, loan to value calculations and other functions relating to the credit decision process of the field network. - Handles resubmissions on amended loan request, respond to phone inquires regarding decisions made, policy questions and aid in training various visitors that come to Home Office Credit. - Approves subordination agreements - Other duties as assigned - Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Qualifications: - 0-2 years related experience - excellent analytical and problem solving skills Education: - Bachelor’s/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Risk Management------------------------------------------------------ Job Family: Credit Risk------------------------------------------------------ Time Type: Full time------------------------------------------------------ Primary Location: Telecommuter North Carolina United States------------------------------------------------------ Primary Location Full Time Salary Range: $67,880.00 - $94,720.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------ Anticipated Posting Close Date: Mar 17, 2026------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.

Why Deephaven Mortgage? Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan. We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting. Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners. Deephaven’s headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at info@deephavenmortgage.com. Job Overview In this role, you will be responsible for evaluating mortgage loan applications that fall outside traditional Qualified Mortgage (QM) guidelines. You will assess borrower risk based on alternative documentation, ensure compliance with company policies and investor guidelines, and play a key role in decision-making for loan approvals. This role is remote with ability to work from any state in the U.S. What You’ll Do - Manually underwrite mortgage loan transactions submitted by our Correspondent and Wholesale lending clients to company and investor credit guidelines - Perform quality control audits of our third-party vendor to ensure mortgage loans meet all company and investor credit guidelines and requirements - Review loan scenarios and communicate purchase/funding eligibility requirements to our Correspondent and Wholesale lending clients - Collaborate with internal staff (e.g., Underwriters, Account Managers, Processors, Closers, Operations Management, etc.) of our correspondent lending clients, brokers and third party-vendors throughout the review process to clear purchase/funding eligibility conditions. - Work closely with processing staff to clear loan conditions throughout the process - Assist in handling loan-level credit and compliance questions & issues and in the preparation and dissemination of updated mortgage underwriting and compliance standards and procedures - Analyze loan applications and conduct financial due diligence to assess the creditworthiness of borrowers and the risk associated with the loan - Evaluate multi-family properties to determine their market value, condition, and potential for generating rental income - Review financial statements, rent rolls, and property operating data to ensure that the property’s income can cover loan payments and expenses - Collaborate with account executives, clients and stakeholders to gather necessary information and provide feedback on loan applications - Recommend loan structuring and terms that mitigate potential risks while meeting the needs of borrowers and lenders - Make informed decisions about whether to approve, deny, or modify loan applications based on comprehensive analysis and risk assessment Job Requirements - Recent, hands-on non-QM underwriting experience is required, including, but not limited to: - DSCR - Bank Statement (personal & business) - P&L–only qualification - Asset Depletion - Multi-family - Experience underwriting HELOCs and 2nd mortgages strongly preferred - 5+ years of experience as an underwriter - Ability to manually calculate income across all non-QM programs, including complex self-employed borrower profiles, layered income sources, and variable cash flow - Demonstrated ability to independently review and clear: - Title commitments & supporting documentation - Appraisal reports (including complex or unique property types) - Full condo project reviews (warrantable, non-warrantable, new construction, and small projects) - Proficiency in Encompass, with the ability to navigate workflows, analyze documentation, and manage conditions efficiently - High-volume underwriting background, managing 50+ initial underwrites per month while maintaining quality, accuracy, and fast SLAs - Strong understanding of non-QM guidelines, investor overlays, compensating factors, and risk layering - Excellent communication skills with the ability to clearly document decisions and collaborate with sales, processors, and closers - Strong critical thinking, independent decision-making, and problem-solving skills - Commitment to loan quality, compliance, and responsible lending Privacy Policy This organization participates in E-Verify Our Perks Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) Future Finance Focused – Generous employer-matched 401(k) plan Community Connect– Philanthropy Committee that creates charitable initiatives Health from Day One – Comprehensive health insurance starting on day one of employment Family Matters – Competitive maternity and paternity leave Culture & Celebrations – Culture Committee with team-building events and celebrations Ideas Welcome – Encouraging thought leadership and innovation Guidance & Growth – Mentorship opportunities for career development Perk Up – Exclusive discounts on travel, tech, pets, legal, and more