Reporting to the Manager, Processing, the Loan Processor will ensure the timely and accurate packaging of all loans originated by our loan officers and lender clients. Responsibilities also include assisting Credit Analysts with the credit approval and monitoring process by gathering financial and credit information with a focus on credit quality and overall risk management. This role will also prepare spreadsheets and other underwriting tools to be used in the credit analysis, annual reviews, monthly compliance reports and other related documents on existing and prospective clients. Job Functions and Responsibilities: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. - Gather information and take each file from pre-approval to closing. - Input proper loan information into the system for processing. - Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy. - Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting. - Review file documentation and make sure all items needed are requested. Order and coordinate loan documents. - Meet crucial deadlines requested. - Communicate with borrowers, fellow employees and clients in a manner that shows sensitivity, tact, and professionalism - Contact each borrower in a timely manner to introduce yourself and go over the process and items needed - Read and understand appraisals, AUS findings, title and credit reports; - Utilize basic business math to calculate income, assets, taxes and monthly insurance - Understand rules regulations, policies and/or procedures along with investor guidelines - Maintain current knowledge about the industry, market trends, competitive position, etc. - Strive to achieve and exceed productivity expectations and standards - 'Pre-underwrite' loan files, assuming what conditions may be needed prior to the file being underwritten by the underwriter. - Develop Policies and Procedures and best practice checklists - Work closely with vendors and conduct training as needed Qualifications: To perform this job successfully, an individual must have the following education and/or experience: - High school diploma, GED, equivalent certification, or military experience - Minimum 5 years of recent experience as Loan Processor is required - Read, interpret and apply applicable laws, rules, regulations and/or policies and procedures - Demonstrate interpersonal, organizational and time management skills - Accurately document all information pertaining to accounts - Knowledge of the laws governing access to public and private records - Strong computer skills; Must be able to move through the LOS system and other programs - Time management: Knowing the cut-off times for funding and underwriting so that the file moves smoothly and does not lose a rate lock. - Knowledge of GFE, APR, interest rates and disclosure/re-disclosure time lines - Ability to operate in a fast paced environment - Perform any additional duties/activities assigned or needed by the business Training / Licensing Requirements: - Must pass the Company’s Background Screening process prior to beginning employment. Additionally, as a condition of employment, you may be required to pass client-specific background check requirements or Federal/State licensing requirements, if applicable. The salary range for this position is expected to be $56,000 to $58,500 per year, depending on geographic location, experience, and other qualifications of the successful candidate. This position is also eligible for bonus based on performance and subject to the terms of the Company’s applicable plans. #PHH Onity Group Inc. is a leading non-bank mortgage servicer and originator providing solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage. PHH Mortgage, a subsidiary of Onity Group Inc., has been providing mortgage lending and servicing solutions since 1984 and is dedicated to maintaining responsible and ethical practices while delivering an exceptional customer experience. PHH offers industry-leading mortgage solutions for the entire mortgage lifecycle, including correspondent lending, MSR/Co-Issue, subservicing, commercial servicing, reverse mortgages and portfolio retention. We are one of the largest subservicers of residential mortgages in the United States and one of only two servicers in reverse mortgage lending. At Onity Group Inc., we consistently deliver on our commitments to customers, clients, investors and colleagues through caring service, integrity and creative solutions. This Service Excellence philosophy is embraced by meeting service standards we call CARE, which stands for Caring, Accurate, Responsive and Empowered. We expect all employees to interact and engage our colleagues and our customers with respect, courtesy and professionalism, and to achieve results consistent with our CARE standards. Onity Group Inc. is intensely focused on hiring, developing and retaining the best talent in the industry! Our commitment to Diversity, Equity & Inclusion ensures that we sustain our reputation as an outstanding place to work, a great business partner and a valued community member. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please let us know. Onity Group Inc. offers a comprehensive benefits package including medical, dental and vision; up to 3% match on 401(k) contributions; generous paid time off; company-paid life, accident and disability coverage; programs for mental, physical and financial wellness; and more. Visit jobs.onitygroup.com for details.

• Responsible for executing the Go‑to‑Market Pharmacy strategy by leading account‑level pricing, rate development, and customer negotiations in partnership with Sales across a complex pharmacy book of business. • Manages an assigned book of pharmacy business with accountability for profitable growth, persistency, and earnings performance. • Conducts case‑specific risk assessments and develops account‑level pricing strategies. • Leads rate development and customer negotiations in collaboration with Sales for complex pharmacy accounts. • Develops, executes, and monitors account plans to drive growth and profitability. • Analyzes market trends and competitive dynamics to deliver strategic recommendations on pricing and product positioning. • Influences underwriting best practices and provides consultative input to matrix partners on product development and pricing strategy. • Serves as a subject matter expert (SME) supporting Medical Underwriting teams and broader stakeholders.

Job Title: Senior Mortgage Underwriter Division: Operations Location: Columbia, Mt Pleasant, Greenville, or Remote! Position Summary: Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss. Direct Reports: None Core Responsibilities: - Underwriting - Respond to investor repurchase and quality review requests. - Support loan shipping process to clear underwriting purchase issues. - Underwrite residential loans while ensuring compliance with appropriate company and secondary market investor standards as well as compliance with lending regulations. - Render underwriting decisions and subsequent clearing conditions to ensure credit and investor guidelines are met. - Evaluate and examine transactions to ensure accuracy and completeness - Contact customers and partners to gather information to make appropriate decisions - Proactively communicate the decisions to the Residential Lending Specialists and Community Bank Partners with an explanation behind credit decision 2.Training/Help Desk - Serve as a resource to Residential Mortgage personnel on underwriting questions and provide training for investor, underwriting and compliance related issues. - Recommends modifications to underwriting procedures. - Provide training as needed to Residential Lending Specialists and Community Bank Partners as requested by Channel Manager. - Underwriting Management - Prepare formal reports for review. - Provide feedback on new investor candidates as it relates to underwriting guidelines and delivery procedures. - Coordinate third party quality control of mortgage loans and evaluate reports providing feedback concerning closed loan quality and process improvements. - Ensure that contractors are trained on investor specific eligibility requirements and guidelines. - Negotiate with third party service providers and manage contracts. - Compliance - Implement fraud detection techniques and other evaluation tools to mitigate mortgage lending risk. - Performing compliance reviews and comply with regulatory requirements - Respond to individual and investor audits - Coordinate HMDA reporting and evaluation. - Role Specific Competencies - Computer Skills - Skilled in the use of computers, adapts to new technology, keeps abreast of changes, learns new programs quickly, use computers to improve productivity. - Job Knowledge - Understands duties and responsibilities, has necessary job knowledge, has necessary technical skills, understands company mission/values, keeps job knowledge current, is in command of critical issues. - Personal Organization - Keeps information organized and accessible, maintains clean/functional work space, works systematically/efficiently, and manages time well. Minimum Requirements: - Bachelor's degree or equivalent experience - 3 - 5 years underwriting experience - DE Certification with a CHUMS number and VA LAPP Approval including FHA and/or VA underwriting experience. - Extensive knowledge of quality service discipline. - Retail banking experience. - Proven communication and customer relation skills. - Ability and desire to interact and contribute in a team environment. - Ability to use a variety of software tools.

• Review, evaluate, and classify medical, non-medical, and financial risks to determine underwriting offers on new life insurance policies. • Underwrite life insurance risks with approval authority up to $5,000,000 face amount cases. • Ensure underwriting decisions are fair, consistent, and aligned with company profitability objectives. • Maintain strict adherence to internal underwriting guidelines, SOPs, regulatory statutes, and legal/compliance directives. • Manage and process caseload in a timely and productive manner, meeting or exceeding established service standards. • Demonstrate superior competency in utilizing underwriting and new business systems, including Resonant, online reference manuals, and vendor websites. • Complete audits of underwriting decisions and processing to ensure proper mortality assessments and identify training opportunities. • Provide back-up support to the Chief Life Underwriter as needed. • Complete cosigns for Underwriter-level cases as assigned. • Develop and maintain strong working relationships with agents, sales teams, and internal and external customers. • Provide accurate and timely communication to agents via email and telephone. • Support a collaborative underwriting environment that promotes transparency and partnership. • Participate in projects, committees, and presentations as required. • Identify and recommend opportunities to improve underwriting processes and procedures. • Train and mentor team members in underwriting best practices and system utilization. • Complete five (5) or more professional development actions annually, including industry courses, seminars, or continuing education activities.