Job Title: Non-Delegated Mortgage Underwriter III Location: Remote - CA (Southern) What you'll do: A Non-Delegated Mortgage Underwriter III is responsible for underwriting conventional loans by reviewing the credit, capacity, and collateral characteristics of loan files to ensure it meets company and investor quality standards. - Manage individual pipeline on a daily basis by completing Conventional loans, simple and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times - Identify any document deficiencies, request additional information and/or documentation from Clients as needed - Expert ability to navigate and interpret all agency and company guidelines - Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan. - Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans - Other duties as assigned What you'll need: - 5+ years mortgage industry experience, with 3 years recent frontline underwriting experience preferred in a wholesale or retail lending environment. - Ability to communicate effectively and professionally - Basic proficiency in Microsoft Office products (Excel, Word, etc.) - Encompass LOS experience preferred - Project management experience - College degree preferred but not required - Loan quality and risk management - Knowledge of FNMA and FHLMC guidelines - Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Product Advisor - Excellent Customer/Client service skills - Ability to work in a fast paced production environment - Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints - Excellent written and verbal communication skills - Prioritization and Time Management skills - Ability to learn and adapt to guideline changes Compensation: Hourly range for new hires is generally $54.00 for Nevada. Salary amount is determined by specific job location. Benefits you’ll love: We offer all the important things you'd want — like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you’ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email HR@westernalliancebank.com or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process. © Western Alliance Bancorporation

Come join our amazing team and work from home! The Loss Mitigation Underwriting Supervisor will supervise a team of Loss Mitigation Underwriters to achieve maximum performance in assisting customers with available loss mitigation options. Assist management with support operations within the Loss Mitigation Department including monthly and quarterly audits, reporting, change management, compliance, quality assurance/quality control, and vendor/third party communication. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay for this position is $66,000 -$76,000 Annually plus Annual Bonus. What you'll do: • Facilitate Supervisor responsibilities in accordance with company policies, procedures, and applicable laws. • Manage and coach employees in such areas as workout technique, underwriting methodology, income calculations, net present value results, account recognition, and customer service. • Prepare reports and track results and trends within the Loss Mitigation Underwriting Department. • Oversee daily team operations; provide guidance and direction in daily workflow and volume. • Provide consistent communication to the team regarding daily work goals, expectations, and any policy and/or process changes. • Monitor employees on underwriting guidelines and job performance through periodic loan sampling, group training, one on one interaction, and role play. • Ensure that all procedures and training materials are defined and validated annually. • Minimal travel supporting business operations may be required. What you'll need: • High school diploma or equivalent required. • Bachelor’s degree preferred. • Three (3) to five (5) years of loss mitigation UNDERWRITING experience required. • Two (2) or more years of supervisory or management experience preferred. • Knowledge of HAMP, FHA, VA, and USDA underwriting guidelines required • Knowledge of Microsoft Suite at an intermediate level preferred Our Company: Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com. What We Offer: - Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. - Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. - Customized training programs to help you advance your career. - Employee referral bonuses so you’ll get paid to help Carrington and Vylla grow. - Educational Reimbursement. - Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. California Privacy Notice: https://oag.ca.gov/privacy/ccpa #Carrington #LI-GV1

• Drive continuous improvement across the underwriting journey, including application flow, reflexive questions, rules logic, and evidence sources • Serve as a primary liaison between the underwriting engine carrier, third party vendors, and Business Architecture teams • Participate in business requirements development for initiatives impacting underwriting processes and systems • Monitor rules engine performance to identify opportunities to improve efficiency, increase auto decision rates, and ensure alignment with Life Guide • Review vendor performance and recommend enhancements to existing solutions as well as potential new third party data sources • Manage monthly underwriting rulebook releases for both Simplified and Traditional workflows • Support testing efforts and validation of system releases and new product integrations • Support training initiatives related to the underwriting engine and third-party vendor processing • Lead pilot efforts for emerging technologies and support implementation of new tools and data sources • Partner with corporate leadership to analyze underwriting results and identify opportunities to improve new business value • Respond to daily production inquiries with clear, timely, and accurate guidance for underwriting teams • Proactively identify risks, gaps, and dependencies ahead of product launches and supports smooth execution through clear communication and collaboration.

About JMAC Lending: With over 25 years of experience, JMAC Lending has established itself as a leader in the industry. We pride ourselves on our innovative products, outstanding service, and unwavering commitment to supporting our partners in growing their businesses. Our culture revolves around surpassing conventional market options, positioning us as the preferred lender for our clients. Our team boasts impressive credentials and participates in ongoing education to blend knowledge with experience seamlessly. Built on a foundation of the highest ethical standards, our company excels in delivering competitive product pricing for wholesale and correspondent lending to our valued clients. The Opportunity: This role entails underwriting agency and non-agency loans (including both Manual and AUS), alongside Alternative Doc loans. You'll play a crucial part in evaluating supporting documentation to determine borrowers' creditworthiness and their capacity to fulfill mortgage obligations. This includes reviewing a variety of documents such as credit reports, income and asset documentation, appraisals, collateral reports, and fraud prevention tools, as well as any other necessary paperwork to make informed decisions. This is a Full-Time/Fully Remote opportunity with working hours from 7:00am-4:00pm PT or 8:00am-5:00pm PT Monday-Friday offering competitive pay ranging from $43.26 to $57.69 hourly plus bonus. Key Responsibilities: - Conduct a comprehensive and precise analysis of all loan documents, including the AUS decision report, credit report, various income sources (both complex personal and business returns), assets, preliminary title report, appraisal, purchase agreement, escrow instructions, occupancy verification, as well as performing checks for red flags and potential fraud. - Underwrite NON-QM, Jumbo, and Fixed Rate Second Mortgage programs. - Review multiple income types including Full Doc, DSCR, Asset Utilization, Asset Depletion, Bank Statements(Business, Personal, and Co-mingled), P&L, 1099, Foreign National. - Complete income calculations using both manual and system-based methods for all listed income types. - Meticulously manage loan files and clear any conditions, demonstrating both attention to detail and a sense of urgency to meet customer needs. - Accurately log loan data and decisions into our operating system, ensuring precision at every step. - Review transaction matrices and internal investor overlays to guarantee compliance with all investor guidelines. - Apply and uphold effective fraud detection methods. Proactively request additional information or documentation as needed, and identify risk factors that may affect the quality of the loan file. - Assist in resolving any pre-funding or post-purchase loan issues by collaborating with the post-closing department to address any outstanding conditions or concerns. - Communicate loan decisions clearly and professionally via phone or email to foster positive and productive relationships with colleagues and clients. - Maintain open channels of communication with brokers and sales staff to ensure all inquiries are addressed promptly, showcasing exceptional customer service skills.