• Provide superior support to the Underwriting and Operations Units • Work closely with Underwriting Assistants and Underwriters • Gain in-depth understanding of multiple insurance products in the US market • Combine insurance expertise with strong customer focus • Facilitate account clearance and set-up • Execute submission triage activities • Organize and maintain file documentation • Balance multiple tasks/projects to focus on key priorities

Description General Job Summary The Loss Mitigation Associate is responsible for minimizing foreclosures which includes but is not limited to debt counseling. Ensure loss mitigation financial packages are reviewed timely and properly while complying with investor and insurer regulations. Help as many customers as possible to avoid foreclosure under strict and constantly changing regulatory requirements. Process workouts, reporting to investors and comply with guidelines and regulations as applicable. Summary of Essential Job Functions - Review financial packages for completeness. - Process workouts and monitor workouts based on GSE, FHA, USDA, VA, FHLB, GNMA and private clients guidelines. - Ensure all federal, state and investor guidelines and requirements are adhered to for underwriting review and decision. - Monitor & respond to departmental email. - Communicate with customers, credit unions, insurers, and secondary market investors to strategize workout programs. - Report workouts to investors, Treasury, and investor vendors - Counsel delinquent customers and attend via phone periodic mitigation meetings with attorneys. - Work with other departments to ensure appropriate changes to the system, payments are applied correctly, and foreclosures are placed on hold or cancelled as appropriate. - Work with State Assistance and Hardest Hit Programs - Maintain ICE’s MSP and LoanSphere with appropriate codes and comments. - Complete updates in FHA Connection, SMDU, FHLMC Resolve, USDA-LINC, VA Valeri, FHLB eMAQCS. - Maintain accuracy in payments posted to loans in loss mitigation process. Other Job Functions - Attend all training sessions for department. - Update and review announcements and changes to workout programs - All other duties as assigned by management Requirements Education, Training and Work Experience - High school diploma (or equivalent) required - Minimum 2 years of experience in mortgage loss mitigation and related default servicing - Familiarity with GSE, FHA, USDA, VA, FHLB and GNMA loss mitigation guidelines - Strong understanding of foreclosure prevention options and regulatory compliance - Proficiency in loan servicing systems MSP and LMS (ICE) - Strong attention to details and organizational skills - Effective verbal and written communication abilities Knowledge, Skills and Abilities - Maintain & foster positive relationships with customers and business partners. - Complete all assigned training in a timely manner. - Provide professional communication in both oral & written expression. - Excellent organizational, time management & analytical skills - Organizational skills with ability to prioritize and meet deadlines while maintaining high degree of accuracy. - Ability to manage confidential information. - Strong analytical skills, with the ability to seek out and offer business-oriented solutions. - High degree of dependability Working Environment Primary working environment is within an indoor climate-controlled office space and/or a private home office or some combination which will be at managements sole discretion. Employee may be subject to florescent lighting, dust, and other normal indoor allergens. Employee may work in close proximity of coworkers and occasionally independently in quiet environments. Physical Requirements - Able to lift up to 20 pounds. - Extended periods of sitting (at computer desk) - Complete repetitive tasks (including operation of computer mouse/keyboard) Disclaimer The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed. **University Bank is an Equal Opportunity / Affirmative Action Employer**

• Supervises assigned underwriting team • Enforces guidelines and procedures established by Corporate Office Underwriting • Enforces underwriting guidelines and procedures specific to their branch territory • Models smart and effective underwriting practices for individual accounts, all lines of business, and different classes • Implements strategies to address challenges to profit and drive that message throughout the underwriting unit • Answers questions, shares recommendations for complex situations, such as difficult accounts, communication strategies or problematic agency relationships and explains the rationale for recommendations • Coordinates with underwriters, marketing and branch management in the agency planning and review processes • Monitors progress of underwriters’ assigned agents and guides underwriters and agents in achieving annual goals while driving them to match price to quality across the book of business • Seeks feedback from agents and takes action to improve their experience and grow profitable books of business • Manages existing and develops and fosters new agency relationships to grow profitable relationships and rehabilitate unprofitable and low growth relationships • Meets with and educates agents to develop their understanding of EMC products, underwriting appetite, systems and services to help generate a flow of quality new business opportunities • Communicates with agents proactively and anticipates agents and insureds’ needs • Identifies opportunities and potential barriers within agency relationships • Collaborates with marketing representatives to ensure agents receive superior customer experiences and underwriting responsiveness and select EMC as their insurer of choice • Oversees and monitors the workload and performance of assigned underwriting team • Develops team expertise and assists Underwriting Manager with succession planning, including identifying talent and implementing development plans for critical positions • Collaborates with team members to establish performance goals and monitors status • Conducts reviews and provides coaching • Interviews, hires, and recommends salary adjustments for team members • Resolves disciplinary issues • Identifies training needs and works with the Underwriting Manager and Administrative Services Manager (ASM) to provide training for team and encourages continuing education and ongoing quality improvement • Supports diversity and inclusion initiatives • Fosters an innovative culture, including supporting new ideas and providing guidance on potential changes • Monitors business decisions made by team to ensure that underwriters operate within set guidelines, authority limits, rate goals, and branch service directives while matching price to quality across the book of business • Collaborates with manager to review updates received from Corporate Office Underwriting and communicates changes to team members • Performs audits on new business and renewals for compliance and quality of the underwriting being done in the unit

Analysing underwriting performance data, identify trends, and implementing improvements to maximise efficiency and profitability. Driving the integrity of the underwriting process by adhering to standards and regulatory requirements.