Role Description The Underwriter is responsible for providing efficient, timely, consistent, accurate quality loan decisions on a daily basis and underwrite loans that adhere to APM Underwriting Policy and Procedures as well as adhere to the investor guidelines, policies and procedures. Additionally, they are responsible for answering questions and assisting with problem solving with other underwriting staff. Essential Duties & Responsibilities: - Respond to both internal and external QC audit findings in a timely and proficient manner. - Underwrite a minimum of 2 loans per day and complete outstanding conditions in a timely manner. - Review files for accuracy and completeness according to the Underwriter Checklist, APMC guidelines and investor/agency guidelines. - Run files through Quality Control tools. - Communicate effectively with processors and loan officers on status of loan files and conditions. - All other related duties assigned. Qualifications - Minimum of 5-7 years current underwriting experience. - Needs to have FHA & CONV credentials; VA credentials would be an enhancement for consideration for the position. - Preferable to be located on Mid West to East Coast as this resource would be required to work East Coast hours. - 100% remote worker if lives out of CA. - Proven Experience with Encompass Required. - At least three (3) years underwriting experience. - Authority to underwrite CONV and when designated authority is authorized, USDA and/or Jumbo products to APMC or investor guidelines. - General experience and understanding of the following products: Mortgage Builder, Microsoft Word and Excel, Outlook, Internet navigation. Requirements - Problem Solving: Analytical, evaluative, and problem-solving skills. - Detail Oriented: Keen attention to detail. - Interpersonal Skills: Ability to set and manage priorities judiciously; maintains confidentiality. - Oral Communication: Ability to present ideas clearly and persuasively. - Written Communication: Writes clearly and informatively; edits work for spelling and grammar. - Teamwork: Ability to work in a team-oriented, collaborative environment. - Attendance/Punctuality: Consistently at work and on time. - Dependability: Follows instructions and takes responsibility for own actions. - Initiative: Exceptionally self-motivated and directed. - Innovation: Displays original thinking and creativity. Benefits - Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Lead the accounting and finance operations supporting EXL’s Life & Annuity TPA services, including general ledger activities, reconciliations, journal entries, and financial reporting. • Oversee daily, weekly, and monthly bank account and trust account reconciliations associated with policyholder funds and client accounts. • Manage accounting for premium receipts, disbursements, policyholder transactions, and settlement activity. • Ensure accurate general ledger maintenance, financial close processes, and reporting integrity. • Oversee preparation and filing of required federal and state tax reporting, including 1099-R, withholding reporting, and tax remittances. • Ensure compliance with insurance regulatory requirements, accounting standards, and client contractual obligations. • Serve as a subject matter expert on tax and financial regulatory requirements impacting life insurance and annuity products. • Support internal and external audits, including SOC1, regulatory examinations, and client audits. • Develop and maintain robust financial controls, reconciliation procedures, and accounting governance frameworks. • Partner with Risk, Compliance, and Internal Audit teams to ensure adherence to internal control standards and operational risk frameworks. • Monitor and resolve financial exceptions, variances, and operational anomalies. • Serve as a finance leader for client relationships, supporting financial discussions, reporting, and operational improvements. • Represent EXL’s finance capabilities in client presentations, implementations, and prospective engagements. • Partner with Implementation teams to support financial onboarding of new client blocks and conversions. • Identify opportunities to improve financial processes through automation, analytics, and digital tools. • Drive process improvements leveraging data analytics, automation, and financial technology solutions. • Collaborate cross-functionally with Operations, Technology, and Product teams to enhance scalability and efficiency. • Lead, develop, and mentor accounting professionals while building strong bench strength within the organization. • Foster a culture of accountability, continuous improvement, and operational excellence. • Establish performance goals and coaching frameworks for team development.

• Own and manage the CFO’s calendar across multiple Google accounts, ensuring optimal prioritization, scheduling, and time allocation • Triage and manage inbox communications, drafting responses and handling correspondence on behalf of the CFO • Prepare meetings end-to-end: agendas, materials, briefing docs, and ensure follow-ups and action items are executed • Oversee vendor and contract administration across 20+ active vendors, including tracking deliverables and performance • Manage renewal calendars, proactively flagging upcoming deadlines and negotiating timelines where needed • Support exit readiness initiatives, including coordination of documentation and M&A data room preparation • Coordinate with legal teams on contracts, compliance, and documentation workflows • Book and manage complex travel arrangements, including multi-leg and international itineraries • Handle personal and property-related coordination tasks with a high level of discretion and reliability • Build and optimize internal systems using tools like Google Workspace, Slack, Notion, and DocuSign • Leverage AI tools (e.g., Claude, ChatGPT) to streamline workflows, automate tasks, and improve efficiency

• Design and implement comprehensive financial reporting systems from scratch • Perform detailed customer cost analysis and unit economics modeling • Manage day-to-day accounting and bookkeeping operations • Oversee cash flow management and financial forecasting • Create monthly/quarterly budgets and track performance against targets with the founding team • Ensure financial compliance and prepare for future audits • Build automated reporting dashboards for real-time financial insights • Support fundraising activities with investor-ready financial models • Manage vendor relationships and negotiate contracts • Ensure legal and regulatory compliance (GDPR, KVKK) • Handle office/facilities management for any physical locations