At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Continue your career journey where your work contributes to a greater purpose. Must live in the NY Metro area to be considered for this opportunity. Position Overview: If you are a hard-working, motivated, and intellectually driven professional with a passion for commercial real estate (CRE) and finance, Freddie Mac Multifamily is the employer for you! The nation’s greatest and most innovative secondary market Multifamily mortgage lender and issuer of securitized fixed-income with an annual platform exceeding $70 billion is looking to add a Multifamily Underwriting Associate to its New York City team. At Freddie Mac, you will do important work to build a better housing finance system and you’ll be part of a team helping to make homeownership and rental housing more accessible and affordable across the nation. If you are an analytical team player who is interested in a multifamily commercial real estate career, please submit your application to join our exciting and dynamic organization! Our Impact: - We are responsible for underwriting multifamily conventional loans structured and quoted by our Production partners and managing the loan transaction process from quote acceptance to loan approval, commitment, rate-lock and loan purchase. - Innovate based on market behaviors while efficiently analyzing, mitigating, and clearly defining credit risk - Evaluate the overall story and make decisions based on the credit risk profile - Provide stability and liquidity to the multifamily housing market by supporting Freddie Mac’s mission-driven affordability goals Your Impact: - Build toward credit approval and closing individual mortgage loans collateralized by multifamily properties - Analyze and evaluate due diligence documentation related to sponsor, property characteristics, operating history, property inspection, market, etc. and utilize this information to develop a pro forma income and expense statement - Prepare concise, complete, and transparent Investment Briefs for loan approval and commitment and ensure accurate data quality for loan securitization - Apply company principles/policies and critical thought to complete assigned tasks accurately, completely, and in a timely manner - Collaborate and communicate with external and internal business partners to solve problems and achieve shared success Qualifications: - Bachelor’s degree in real estate, finance, economics, business administration, or related discipline. - 0 - 2 years of related work experience in the commercial/multifamily real estate industry - Knowledge of real estate property fundamentals and real estate lending/underwriting - Strong written and verbal communication skills - Demonstrated proficiency with Microsoft Excel and Word - Ability to travel domestically Keys to Success in this Role: - Multi-task/prioritize - Relationship builder, excellent collaborator, and ability to work well within a team - Harness the power of data to formulate and inform communications - Keep calm under pressure - Be comfortable with transition and change - Strong work ethic / positive attitude We consider all applicants for all positions without regard to gender, race, color, religion, national origin, age, marital status, veteran status, sexual orientation, gender identity/expression, physical and mental disability, pregnancy, ethnicity, genetic information or any other protected categories under applicable federal, state or local laws. We will ensure that individuals are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs. Information on these benefit programs is available on our Careers site. This position has an annualized market-based salary range of $91,000 - $137,000 and is eligible to participate in the annual incentive program. The final salary offered will generally fall within this range and is dependent on various factors including but not limited to the responsibilities of the position, experience, skill set, internal pay equity and other relevant qualifications of the applicant.

Role Description The Underwriter is responsible for demonstrating a broad understanding of insurance principles and the underwriting process. They evaluate information/data to make decisions to accept, reject, or modify coverage within their authority level. The underwriter creates a positive customer experience by providing a high level of customer service, educating agents and policyholders on the programs and coverages offered, providing information regarding underwriting requirements, and contributing to the overall effectiveness of TWIA/TFPA by balancing stakeholder needs with the goals of the Associations. This role is remote and open to candidates residing in the United States. Essential Functions - Review and process new applications, renewals, endorsements, cancellations, and inspections to determine eligibility and insurability of applicant and property. Communicate underwriting actions to the agents. (Scheduled time approximately 65%) - Serve as contact for agents (via phone/email) and assist with coverage, rating, eligibility inquiries, and process policy transactions as appropriate. Explain coverage decisions and policy information to agents and policyholders/stakeholders. (Scheduled time approximately 25%) - Assist Enterprise with additional duties as needed, training, and project work (Approximately 10%) Qualifications - Skilled communicator: Demonstrates ability to consistently deliver accurate, clear, and concise messages orally and/or in writing to effectively inform an audience; able to be an effective active listener, to get to the root of stakeholder needs without requiring lengthy explanations. - Customer focus: Identifies customer requirements correctly, determines specific customer needs and acts proactively to ensure value-added solutions that exceed customer expectations. - Interpersonal skills: Considers and responds appropriately to the needs and feelings of others with respect, fairness, and consistency allowing for effective interactions with all stakeholders. - Adaptability and flexibility: Adapts to change, is open to new ideas, takes on new responsibilities, handles pressure, and adjusts plans to meet changing needs. - Job knowledge: Strong knowledge of insurance rules and regulations and basic underwriting principles for acceptability or rejection of risk; knowledge of building and construction terminology and techniques, and construction rating classifications to determine property and liability exposures on inspection issues. - Initiative: Effectively work independently. Completes tasks and assignments independently with minimal direction and assumes responsibilities when specific directions are lacking. - Critical thinking and analytical abilities: Approaches a situation or problem by defining the problem or issue; determining its significance; collecting data; making inferences about the meaning of the data; and using logic and intuition to arrive at conclusions or decisions; evaluates and applies information provided on applications to underwriting guidelines and coverages. - Problem solving: Gathers relevant data from several sources, arrives at effective solutions to issues and foresees problems before they arise. - Time management: Prioritization skills to ensure timely responses to stakeholders. - Computer skills: Proficiency with operating systems, email, word processing, and similar computer applications. Requirements - Bachelor’s degree or equivalent work experience. - Three (3) years of underwriting experience in the insurance industry. Preferred Education and Experience - Associate in General Insurance (AINS) designation. - Chartered Property Casualty Underwriter designation (CPCU), or demonstrated progress toward achieving the designation. - Bilingual abilities; English, and Spanish or Asian languages (such as Mandarin or Vietnamese). Physical Requirements - This position requires the ability to sit, hear, converse over the telephone, and key frequently on a computer for long periods of time. - This position may require some limited overnight travel to complete training programs, activities, and meetings.

• Build toward credit approval and closing individual mortgage loans collateralized by multifamily properties • Analyze and evaluate due diligence documentation related to sponsor, property characteristics, operating history, property inspection, market, etc. and utilize this information to develop a pro forma income and expense statement • Prepare concise, complete, and transparent Investment Briefs for loan approval and commitment and ensure accurate data quality for loan securitization • Collaborate and communicate with external and internal business partners to solve problems and achieve shared success

Spieldenner Financial Group is seeking independent, motivated, career-minded individuals to join our Mortgage Protection team. Our team members help American families protect their largest asset: the ability to make an income. Our proven system includes extraordinary mentorship, training, and support that allows our agents to have a competitive edge in the industry. Job Duties: - Setting Appointments: 6-8 hours per week: reaching out to potential clients that have previously requested coverage with our company and scheduling a time to meet with them to discuss their mortgage protection coverage. - Research: 4-5 hours per week: digging into the information the client provided in order to customize options to meet their financial need in the case of a death or disability. - Meeting with Families: 2 days per week: meeting with clients either virtually or in-person (the choice is yours) to present their options, discuss the details of the coverage, and help them apply for coverage. - Administrative: 2 hours per week: following up with insurance carriers to facilitate client applications through underwriting Qualifications: We are looking for coachable, challenge-seeking, self-disciplined individuals with a growth mindset: Skill set isn’t everything for this position. Availability: Work-life balance is the foundation on which this company was founded. This work from home role is designed to give you a healthy balance of the two. We have immediate openings for the following roles: - Spare time: This is a commitment of working 4-8 hours a week that can generate between $500 to $2,000 per month.* - Part-time: This is a commitment of working 8-25 hours a week that can generate between $2,000 to $5,000 per month.* - Full-Time: This is a true commitment and requires 25-50 hours per week that can generate between $10,000 to $20,000 per month.* About Us: Spieldenner Group is a part of the fastest-growing insurance organization in the country. Among the INC 5000s fastest-growing private companies. Voted Top Company Culture by Entrepreneur Magazine Forbes Magazine’s 25 Companies Hiring The Most High-Paying Jobs In 2024 If this sounds like a place you could plant your flag, we invite you to apply! *Equal opportunity, not equal outcome No agent’s success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.