Role Description The Senior Non-QM Underwriter is responsible for reviewing and evaluating complex residential mortgage loan applications that fall outside of Non-Qualified Mortgage (NQM) standards. This role requires advanced underwriting expertise to assess layered risk, analyze alternative income documentation, and make sound credit decisions in accordance with investor guidelines and company policies. The ideal candidate thrives in a flexible lending environment and demonstrates strong judgment, accuracy, and efficiency. - Underwrite complex transactions to ensure the loan meets established underwriting guidelines for Full & Alt doc programs: 1099, bank statement, DSCR, asset utilization, P&L, etc. - Perform detailed analysis of borrower credit, income, assets, and collateral to determine overall risk and loan eligibility. - Apply investor guidelines and internal overlays to make sound, well-documented underwriting decisions. - Evaluate loan-to-value ratios, debt-to-income ratios, and other financial indicators to make informed decisions. - Conduct thorough risk assessments to identify potential issues or red flags. - Issue loan decisions to our business partners in a clear and concise manner. - Provide exceptional customer service to both our internal and external customers, including but not limited to answering loan specific questions on agency programs, reviewing program requirements within established SLAs, and ensuring collaboration with loan officers, processors, and other stakeholders to resolve issues and ensure complete loan files. - Stay current on NQM regulations, investor updates, and industry best practices. - Stay updated on industry trends, regulations, and best practices related to mortgage underwriting. Qualifications - Minimum 3 years of experience (recent experience within the last 2 years) in Mortgage Lending, with at least 2 years of experience as a NQM Underwriter. - FHA Chums and/or VA Lapp SAR recommended but not required. - Encompass experience is required. - Recent manual underwriting experience in the mortgage industry. - Proficient in self-employment income calculations and guidelines. Preferred Qualifications - Recent manual underwriting experience in the mortgage industry. - Proficient in self-employment income calculations and guidelines. Work Environment This role is fully remote and performed from the employee’s home or another approved off-site location. The company provides essential equipment such as computer, headset, and webcam. A reliable internet connection and a quiet, professional workspace are expected. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to communicate via oral and written communication, such as phone calls, emails, and ticketing systems. The employee frequently is required to stand, walk, use hands and fingers and reach with hands and arms. This role may require long periods of sitting at a desk and working on a computer. The employee may occasionally be asked to pick up and/or move up to 15 pounds. Duties Disclosure The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time, with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Role Description Join Our Team as a Life Insurance Agent at New York Life in Vermont! Are you a self-starter with a passion for building meaningful relationships? New York Life is seeking dynamic individuals to join our team as Life Insurance Agents in Vermont. - Entrepreneurial Opportunity: Embrace the entrepreneurial spirit of the role, where your success is a direct result of your efforts and dedication. - Unlimited Income Potential: Unlock a six-figure income potential with our rewarding compensation structure. - Industry-Leading Training: Benefit from our comprehensive training curriculum, equipping you with the knowledge and skills to excel in the insurance and financial planning industry. Responsibilities - Assist clients in navigating insurance and investment planning. - Provide expertise in retirement and employee benefits packages. - Cultivate strong, lasting relationships with clients through effective communication and personalized service. Qualifications - Self-motivated with a drive for success. - Excellent interpersonal and relationship-building skills. - Strong communication and presentation abilities. Benefits - 401(k) - 401(k) matching - Bonus based on performance - Company parties - Dental insurance - Donation matching - Flexible schedule - Health insurance - Opportunity for advancement - Training & development Supplemental Pay - Bonus opportunities - Commission pay - Flexible work from home options available.

Role Description We are looking for a Demand Planning Intern to join our Demand Planning Team for our 10-week summer internship program. This intern will report into our Demand Planning Team Lead and will support the forecasting and replenishment in one of our five key categories. This individual will also participate in our weekly receipt meetings and cross-functional strategy huddles. If you are passionate about supply chain and planning, we’d love to hear from you! This remote position is open to individuals who live in, or are open to relocating to, the following states: - Arizona - Delaware - Florida - Georgia - Kentucky - Nevada - New Jersey - New York - North Carolina - Ohio - Rhode Island - South Carolina - Tennessee - Texas - Virginia - Washington This opportunity requires travel to our headquarters in Melville, NY for an internship on-site meeting on July 14th and July 15th. We reimburse reasonable and necessary travel expenses, and you’re also welcome to work on-site anytime beyond this visit – our doors are always open. - Role Type: Intern - Location: Remote - Length of Program: June 1st – August 7th (10 weeks) - Internship On-Site Meeting: July 14th – July 15th - Schedule: Monday through Friday, 8:00 a.m. to 5:00 p.m. ET with flexibility - Pay: $20.00 per hour Responsibilities - Utilize our inventory forecasting software to identify and track product trends and life cycles (current and future product demands) - Analyze trends, historical demand, and customer input to identify accurate quantities and timing of purchases - Design metrics and prepare reports to analyze in stocks - Create and place stocking orders based on forecasting analyses - Keep on top of knowledge of products, current events, and impactful information Qualifications - Currently enrolled in an undergraduate program in Business, Merchandising, or a related field - Ability to review and process large volumes of data - Strong organizational skills and a high attention to detail - Basic statistical analysis and data manipulation skills - Ability to work well both independently and in a team setting Benefits - Experience our culture firsthand – We value generosity and believe that work should be both fulfilling and engaging. From intern socials and team lunches to an on-site visit at our headquarters and opportunities to attend department events, we create experiences that immerse you in our culture, helping you feel like a true part of the team. - Build meaningful connections – Our people-first culture ensures you feel supported and respected from day one. Through meet-and-greets with leadership, networking opportunities, and collaborative projects, you’ll form meaningful connections and foster your professional development. - We’re committed to growth – From everyday learning opportunities to our final presentations, we strive for continuous improvement. You’ll have the opportunity to bring fresh perspectives and innovative solutions to the table, while growing your communication skills in a supportive environment where your ideas are always heard. - Get involved, make an impact – We believe the best way to learn is by doing. Our internship provides real-world experiences through hands-on training, job shadowing, department swaps, and cross-functional teamwork. With a commitment to improvement, you'll gain valuable insights into different areas of our business while strengthening your skills.

• Build and maintain financial models (valuation, projections, scenario analysis) • Prepare financial reports and client deliverables • Analyze business performance, financial statements, and key metrics • Support investment, strategic, and operational finance projects • Adapt to different client needs across industries