Role Description We are seeking a detail-oriented and production-focused Underwriter to evaluate and approve loans across our non-QM product suite. This role is responsible for making sound credit decisions, maintaining high underwriting quality, and meeting aggressive turn time expectations. Responsibilities - Loan Underwriting: Review and underwrite non-QM loan files across DSCR, RTL, and consumer products, including income, assets, credit, and collateral. Make clear, well-documented credit decisions in line with company guidelines. - Loan Delivery: Ensure loans are structured, underwritten, and conditioned in line with credit policy and investor requirements. Maintain high file quality to support clean submissions and efficient execution. - Conditions & Pipeline Management: Issue clear and actionable conditions, manage pipeline effectively, and ensure timely re-review and decisioning. - Collaborate with Investors: Understand Investor guidelines and be able to articulate and negotiate condition and document acceptance in a professionally and expeditiously. - Turn Time Performance: Meet or exceed SLAs for initial underwrites and condition reviews while maintaining accuracy and consistency. - Exception Handling: Evaluate and document exceptions within established guidelines, ensuring disciplined and well-supported credit decisions. - Quality & Compliance: Maintain high standards of accuracy and ensure all underwriting decisions comply with internal policies and applicable regulations. - Cross-Functional Collaboration: Work closely with Loan Officers, processors, and operations to resolve issues, move files efficiently, and improve overall workflow. Qualifications - 3–7 years of mortgage underwriting experience, preferably in non-QM or investor lending. - Experience with DSCR, bridge/RTL, or similar non-agency products. - Strong understanding of credit risk, income analysis, and loan structuring. - Familiarity with LOS systems and underwriting workflows. - Ability to manage a high-volume pipeline while maintaining quality and consistency. - Strong attention to detail and sound credit judgment. Skills - Strong credit analysis and decision-making. - Time management and prioritization. - Attention to detail and accuracy. - Ability to operate in a fast-paced, production environment. - Clear written and verbal communication.

Role Description We are seeking an experienced Head of Underwriting to build, lead, and scale a high-performing underwriting organization. This role will own credit policy, underwriting quality, and decisioning speed, ensuring we balance risk management with aggressive growth targets. - Team Leadership and Management: - Build, lead, and manage a non-QM underwriting team across DSCR, RTL, and consumer products. - Establish clear performance expectations and hold the team accountable to SLAs, quality standards, and productivity metrics. - Credit Policy Ownership: - Develop, refine, and enforce underwriting guidelines across all products. - Continuously evolve credit policy based on performance data, market conditions, and investor requirements. - Present guidelines and metrics to Investors and Sr Management. - Underwriting: - Review files prior to submission to Correspondent Lenders. - Be able to articulate positions to ensure proper loan conditions and approvals. - Underwriting Operations: - Own end-to-end underwriting workflows, including file review, conditions, exception handling, and final credit decisions. - Ensure consistent, high-quality decisioning across the portfolio. - Loan Delivery: - Ensure loans are structured, underwritten, and delivered in line with credit policy and investor requirements. - Manage conditions, exceptions, and file quality to drive clean submissions and efficient execution. - Turn Time & Throughput Management: - Drive underwriting speed and efficiency by managing pipelines, setting SLAs, and removing bottlenecks to support origination volume. - Risk & Credit Oversight: - Monitor portfolio performance, identify emerging risks, and implement adjustments to credit policy and underwriting standards to protect loan performance. - Quality Control: - Establish and enforce QC processes to ensure accuracy, consistency, and compliance across all underwriting decisions. - Exception Management: - Define and manage exception frameworks, ensuring disciplined approvals with appropriate documentation and risk controls. - Reporting & Analytics: - Track and report on key underwriting metrics, including turn times, approval rates, exception rates, and loan performance. - Provide actionable insights to leadership. - Compliance: - Ensure all underwriting activity complies with applicable federal and state regulations, as well as internal policies and investor guidelines. - Cross-Functional Collaboration: - Partner closely with sales, capital markets, and operations to align credit policy with growth objectives while maintaining disciplined risk management. Qualifications - 10+ years of mortgage underwriting leadership experience. - Deep experience with non-QM products, including DSCR, bridge/RTL, and investor lending. - Strong understanding of credit risk, loan structuring, and income/asset analysis across complex borrower profiles. - Experience building or scaling underwriting teams and processes in a high-growth environment. - Strong familiarity with LOS systems and underwriting workflows. - Ability to balance speed and risk in a production-driven environment. - Excellent analytical, decision-making, and leadership skills. Skills - Strong credit judgment and risk assessment. - Operational leadership and process optimization. - Data-driven decision making. - Attention to detail and consistency. - Ability to operate in a fast-paced, high-growth environment.

We’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time. POSITION SUMMARY: Would you like to join CVS Health, a Fortune 5 company, on our multifaceted Pharmacy Benefits Management (PBM) Underwriting team? In this high-level individual contributor role, you will utilize your business, industry, competitive, client, and technical knowledge to formulate pricing strategy and to execute financial modeling of comprehensive pricing offers that include retail network, mail order, specialty, and pharmaceutical manufacturer rebates for PBM client contracts. Some of your key responsibilities will include: - Collaborating with PBM Sales and Account Services to provide recommendations on pricing and negotiation strategy to achieve revenue and profitability targets for new business growth and margin retention; and - Applying advanced Excel modeling techniques to analyze large sets of pharmacy claims data and build forward looking financial forecasts and profit and loss (P&L) statements; and - Presenting financial analyses to Executive Leadership during Executive Underwriting Approval Calls and responding to financial questions in real-time; and - Supporting Underwriting Managers and Sr. Managers with ad-hoc financial analyses and client implementation projects. Your success will be determined by your ability to communicate client pricing to internal and external partners in support of accurate pricing implementation and to minimize service warranties and performance guarantee payouts. You will need to execute and implement constantly evolving pricing strategies in response to market dynamics to provide competitive, profitable, and attractive pricing offers. You will have a measurable impact in this role, by helping CVS Health, and our clients win, in a competitive marketplace. REQUIRED QUALIFICATIONS: - 3 or more years’ financial analysis, pricing, or corporate underwriting experience required - Proficient in Microsoft Excel in complex data analysis PREFERRED QUALIFICATIONS: - Basic knowledge of PBM finance - Experience managing complex projects over 3-12 months in a matrix environment - Ability to interact with others in a professional manner and help foster teamwork and knowledge sharing to complete key tasks - Advanced Excel modelling - Strong organizational, multi-tasking, and follow up skills. - Strong presentation and communication skills with experience presenting to various business groups EDUCATION: - Bachelor’s Degree required, preferably in Finance, Mathematics, Economics, or related field; or equivalent work experience may be considered - Master's Degree preferred Anticipated Weekly Hours 40 Time Type Full time Pay Range The typical pay range for this role is: $46,988.00 - $102,000.00 This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above. Our people fuel our future. Our teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong. Great benefits for great people We take pride in our comprehensive and competitive mix of pay and benefits – investing in the physical, emotional and financial wellness of our colleagues and their families to help them be the healthiest they can be. In addition to our competitive wages, our great benefits include: - Affordable medical plan options, a 401(k) plan (including matching company contributions), and an employee stock purchase plan. - No-cost programs for all colleagues including wellness screenings, tobacco cessation and weight management programs, confidential counseling and financial coaching. - Benefit solutions that address the different needs and preferences of our colleagues including paid time off, flexible work schedules, family leave, dependent care resources, colleague assistance programs, tuition assistance, retiree medical access and many other benefits depending on eligibility. For more information, visit https://jobs.cvshealth.com/us/en/benefits We anticipate the application window for this opening will close on: 03/31/2026 Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

Medical, Dental, Vision, Life, 401K match, PTO, Sick Time, 10 Paid Holidays, Remote work opportunities What you'll do at Cascade: Serve the American Dream Through Attainable Home Ownership. As the Junior Underwriter working in a 100% paperless environment, you are responsible for reviewing certain conditions submitted by the loan processor after the conditional approval has been issued by the Senior D.E. Underwriter. The Jr. Underwriter evaluates the documentation provided by the processor and assesses the acceptability and clears the condition when acceptable. Junior Underwriters work daily with the Processing and Closing Departments to ensure that all loans and supporting documentation will meet FHA, VA, or GSE Guidelines (as applicable) from loan approval all the way through loan closing. How you will do it: - Reviewing documentation submitted by the processor to clear conditions on front-end residential mortgages (not loan modifications) for FHA, VA, and Conventional Purchases, Full-Doc Refinances, Streamlines, IRRRLs, and Construction-to-Permanent Loans - Analyzing credit, income, assets, property documents, and other conditions submitted by the processor after the loan is conditionally approved by the SR. Underwriter and either accept or deny documentation according to FHA, VA, or GSE Guidelines (as applicable) - Perfecting and Validating AUS loan data and numbers (typically LP), including confirming loan is still approved, as documentation is submitted by the processor - Updating Encompass loan file accurately throughout as documentation is provided - Clearing the Loan to Close by completing a final and thorough final review of the loan file including locking down approved loan terms, protecting loan documentation, clearing all outstanding prior to doc conditions, adding and editing prior to funding conditions, and completing the final clear to close checklist - Maintaining department set benchmarks and SLAs, while ensuring compliance and quality standards are met - Working Effectively with Closers/Funders, Processing, and Sr. Underwriting in different states and time zones to ensure workflow remains efficient while still maintaining loan quality - Adding value to the team by maintaining a positive attitude and remaining flexible as the manager balances the daily, weekly, and monthly workload, especially during peak business days - Assisting with other duties as necessary What you will need to join Cascade: - High School Graduate or Equivalent - One or Combination of the Following: 1) 2+ years front-end mortgage processing and/or underwriting experience or 2) 3+ years consumer loan processing and/or underwriting experience or 3) a combination of 4+ years originating, processing, and/or underwriting experience in consumer loan or residential mortgages - Detail oriented to carefully examine loan documentation for accuracy, acceptability, and completeness - Ability to work in a remote, work-from-home environment with little supervision, high expectations of productivity, and within strict deadlines - Excellent interpersonal communication and problem-solving skills - Familiar with Microsoft products, including Word, Excel, and Outlook - Willingness to travel to our corporate office in Chandler, AZ up to 2x per year What Cascade considers a plus: - Loan Prospect Advisor (LPA) experience a plus - Encompass experience a plus - Manufactured Housing experience a plus - Conventional, FHA, and VA experience is a plus Best Candidate: The best candidate for the Jr. Underwriter position is someone looking for a long-term career path with growth potential in a family orientated company. The candidate appreciates a “promote from within” culture that lays out a clear, transparent path to the coveted DE Certification. The candidate works best on a medium-sized team (under 25 in department) where collaboration and questions are encouraged, and individual and team successes are celebrated. The best candidate has experience reviewing credit, income, and assets but may not have experience decisioning mortgage loans, and in some cases may take a step down in pay in exchange for a long-term goal of becoming a DE Underwriter. Over 90% of the D.E. Underwriting staff started in the Jr. Underwriting position, are still with Cascade, and have backgrounds ranging from loan officer, to processor, to consumer loan professionals and everything in between. About Cascade & Our Culture: Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Attainable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing marketplace leveraging state-of-the-art business automation coupled with the most skilled professionals in the industry. The Cascade culture lives in our team members!!! We are focused and dedicated to developing and providing a platform for growth. We are proud of the team that we've built and are looking for great people who will embrace our values and contribute to them: T.I.E.S. Teamwork, Integrity, Excellence, and Service. We believe in work/life balance and a positive/family-like work environment. Together, we will continue to lead the way and make a difference. Join our team and assist us to Serve the American Dream Through Attainable Home Ownership.