This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description The Analyst, Default Refer III will be responsible for reviewing, analyzing and processing an assigned portfolio of accounts in pre-foreclosure status. Under the direction of the Default Referral Supervisor, the Default Referral Analyst will be responsible for the analysis of accounts to ensure the Foreclosure process is completed accurately in adherence to mandatory state and investor timelines by acting as a liaison between the various areas in default and outside counsel. Provide management with status updates and prepare a variety of complex reports to ensure compliance with all agency, investor and insurer guidelines. - Responsible for ensuring compliance with directives from regulatory agencies, CFPB, GSE’s, investors and insurers for Default Services functional work groups - Review daily reports to ensure investor and Freedom Mortgage guidelines are met timely with respect to breach letters, foreclosure hold statuses, etc. - Review essential processes around FHA population including HUD First Action Deadlines, Face 2 Face letters, Door Knock orders, breach letter and state required notice oversight - Lead and execute special projects for the department - Analyze & manage FCL timeline performance to ensure that no more than 10% of monthly case-load is past standard - Maintain Default Referral workflow inside of TEMPO - Load eligible loans in TEMPO for Default Referral Specialist to work - Conduct LoanServ testing for Project Design plans and provide feedback to IT Department - Create and send referral packages to Foreclosure counsel based on investor, insurer and Freedom Mortgage guidelines - Ensure that all cases in which Freedom Mortgage has exposure are escalated to management & In-house legal - Work closely with other default personnel (collections, loss mitigation, and REO) to ensure a seamless transition for loan accounts - Follow up on all Foreclosure required actions monthly to ensure investor guidelines and monthly status requirements are met - Review of various current reports and assistance with identification of new reports - Establish and foster a work culture at all levels within the operation which is positive, collaborative, respectful, optimistic, and capable of driving long term operational sustainability - Prepare files for internal and external audits including miscellaneous research, filing and mailing - Maintain regular and punctual attendance Qualifications - Bachelor’s Degree from a Four (4) year College or University - One (1) to two (2) years related experience and/or training - Ability to read and comprehend instructions, correspondence, memos, and workplace policies - Ability to analyze, interpret general business periodicals, professional journals, procedures and governmental regulations - Ability to write professional correspondences and speak effectively with other employees and/or customers - Ability to present formal information in one-on-one and small group situations - Ability to work with mathematical concepts such as probability and statistical inference - Ability to carry out detailed written and/or verbal instructions and solve problems involving concrete variables Requirements - None required for certificates, licenses, registrations - Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions - Frequently required to sit and talk or hear; occasionally required to stand, walk, use hands to finger, handle, or feel; and reach with hands and arms - Must occasionally lift and/or move up to 25 pounds Benefits - Equal Employment Opportunity: Freedom Mortgage is committed to providing equal employment opportunities to all employees and applicants - Americans with Disabilities Act: Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions

• Conduct research by investigating subjects and compiling and analyzing data • Interview Subject Matter experts, utilize online tools, Chat GPT, and available resources • Document research in a clear and precise manner (cite sources, take screenshots, add links, etc.) • Create crisp and concise reports, documentation and PowerPoint presentations • Gather and assimilate information and data into a cohesive, professional format that can be easily understood by a diverse audience • May assist in the creation of RFQ’s or collateral material • Identify areas that would benefit from process optimization projects or data clean up • Ad hoc projects for Leadership Team and additional tasks, as assigned

• Resolve voluntary out-of-network pricing disputes using MRC, Fair Health, and Medicare methodologies • Analyze pricing data to identify trends, variances, and improvement opportunities • Develop tools, reporting, and insights to support manual and external pricing operations • Collaborate with Claims, Call Center, and matrixed teams to improve pricing accuracy and workflows • Present clear, actionable findings to internal stakeholders • Ensure pricing strategies align with fair reimbursement and cost containment goals

• Lead the execution of pricing dispute resolution activities within Voluntary Out-of-Network cost containment programs • Conduct thorough investigations of pricing disputes to determine appropriate next steps, involved vendors, and resolution pathways • Ensure timely follow-up and resolution in alignment with established turnaround time standards • Maintain accurate, detailed documentation and tracking of all dispute cases • Support external claims pricing dispute resolution by working directly with vendors, providers, and internal stakeholders to ensure accurate pricing methodologies are applied and disputes are resolved efficiently • Serve as a knowledgeable point of contact for internal stakeholders, vendors, and providers • Provide guidance and feedback to Claims and Call Center teams related to dispute resolution processes • Demonstrate professionalism and a strong commitment to customer satisfaction in all interactions • Compile and analyze data to identify trends, gaps, and opportunities for improvement • Support the development of reports and tools used to monitor program performance • Contribute to process improvement initiatives and support operational change efforts