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.

Company Description At Longbridge, we love seniors and we’re passionate about helping them unlock the power of one of their greatest assets—their home equity. As a leading provider of home equity solutions for seniors, we’re committed to helping older homeowners make the most of what they’ve worked hard to build, so they can live the retirement they imagined. And we don’t just do it well, we do it really well. With an “Excellent” rating on Trustpilot and over a thousand customer testimonials, we’ve earned a reputation for making it easy and stress-free to access home equity—with guidance every step of the way. But it’s not just our customers who love us—our team does, too! We’ve been named a Great Place to Work® three years in a row because we believe that when people enjoy what they do and where they do it, everyone wins. Why Longbridge? At Longbridge, we don’t just offer jobs, we offer careers that grow with you. Here’s why you’ll love being part of our team: - Grow With Us – We’re big believers in investing in our people. From top-notch training to clear career paths, we support your professional growth every step of the way. Plus, we love promoting from within—because when you succeed, we all do. - A Culture That Clicks – We work hard, but we have fun doing it! Whether it’s team-building events, friendly competitions, or just an atmosphere of open communication and collaboration, we make sure work feels less like “just work.” - Benefits That Have Your Back – We’ve got you covered with best-in-class health plans (medical, dental, vision, HSA, and FSA), generous PTO, paid holidays, company-paid life insurance, and a competitive 401(k) match. Because taking care of our team is just as important as taking care of our customers. If you’re looking for a place where your work truly makes a difference, we’d love to have you on board. Apply today and let’s do great things together! Job Description The Underwriter position underwrites residential loans ensuring compliance with appropriate company, secondary market Investor standards, and all applicable laws. Examines loan documentation for accuracy and completeness. Partners with Loan Originators, Branch Managers and Processors to secure all required documents. Primary Job Duties: - Responsible for underwriting files and establishing conditions to meet FHA and LBF guidelines. - Ability to make timely, accurate decisions on all FHA transactions - Evaluate risk and ensure quality of each loan decision - Communicate requirements and/or decisions clearly - Responsible for reviewing all areas of the mortgage loan file to ensure accuracy, completeness, and compliance with internal and regulatory guidelines, including but not limited to Application, Title, Appraisal, Assets, Credit, Condominium information, and income. - Responsible for clear and concise communication to appropriate parties including but not limited to the processing department on items needed to prepare a loan for closing. - Partner with processing to close loans in a timely in efficient manner - Adhere to service level agreements and prioritize workflow - Maintain quality control standards while maintaining production standards by company's definition - Assist in identifying, recommending, and/or negotiating alternative loan documentation requirements Qualifications - Three or more years of current active experience underwriting Reverse Mortgages (Retail and/or Wholesale) - HECM for Purchase experience is a plus - Must have a valid active CHUMS Number - Strong credit, risk analysis, and analytical skills - Working knowledge of federal and state regulations and requirements with emphasis on MDA, TILA, HUD and RESPA reform. - Understands the loan flow process including file structure, and documentation requirements. - Strong verbal and written communication skills - Attention to detail, with strong organizational and interpersonal skills. - Ability to work well with a wide range of people, work under pressure with a focus on deadlines, and adapt to changing situations daily - Ability to use creative thinking to find solutions to problems - Ability to meet and exceed service level agreements - Competent risk-assessment skills - Ability to multi-task - Excellent time-management skills - Ability to work independently with minimal supervision in a team environment - Familiar with HUD underwriting guidelines and documentation, mortgage legal documentation, 3rd party risk assessment products and Federal/ State/Local compliance regulations - Proprietary Reverse Mortgage underwriting experience is a plus Additional Information - Working in a growing and dynamic industry - Full benefits: Medical, Dental, Vision, FSA/HSA, and wide array of voluntary products and discounts - 401(k) with company match - Paid time off - This is a non exempt - Target base salary range is 95-105K which is based on various factors including skills and work experience. - In addition to base salary, this role is eligible for a competitive additional compensation program via monthly production bonus that is based on individual performance. - LBF is an EEO/AA/Vet/Disabled Employer - Please note that salaries that are estimated on various job sites may not reflect the actual compensation. Job sites, set the estimated salary, not Longbridge Financial. Important Note: When you click on a video, certain personal information may be sent to the video provider (such as YouTube, Vimeo, etc.). To learn more about our privacy practices, please review our company Privacy Notice.