Role Description Quaint Oak Bank is a growing community bank seeking an experienced Manager of Special Assets and Collections to establish and lead the Bank’s commercial loan workout, special assets, SBA, and OREO functions. This role is responsible for managing the resolution of distressed and criticized commercial assets while building and overseeing a dedicated special assets program. The Manager will lead workout and resolution strategies across a diverse commercial credit portfolio, including: - C&I - Commercial real estate - Construction - SBA 7(a) and 504 loans - Specialty low‑LTV real estate lending - OREO The role works closely with Credit, Portfolio Management, Lending, Legal, Finance, Loan Servicing, and senior management to maximize recovery, preserve income when appropriate, and ensure regulatory and SBA compliance. Key Responsibilities - Lead the workout and resolution of underperforming and distressed commercial loans across multiple asset classes. - Analyze borrower financial performance, global cash flow, guarantor strength, and collateral to determine appropriate strategies. - Structure and negotiate loan modifications, extensions, restructures, forbearance agreements, and exit strategies. - Recommend workout, liquidation, or charge‑off decisions and ensure accurate risk ratings and non‑accrual treatment. - Manage SBA 7(a) and 504 loan defaults, workouts, and liquidations in compliance with SBA SOPs to preserve guaranties. - Coordinate with SBA, legal counsel, loan service providers, and third‑party servicers on modifications, litigation, guaranty purchases, and offers in compromise. - Provide workout and restructuring support for specialty low‑LTV real estate‑backed credits, balancing yield preservation and recovery. - Oversee the Bank’s OREO portfolio from acquisition through disposition, including valuation, expense control, and sale strategy. - Coordinate with brokers, appraisers, property managers, and environmental and legal professionals to manage OREO assets. - Build, mentor, and manage the Loan Workout / Special Assets / OREO team. - Develop and maintain policies, procedures, templates, and tracking tools for special assets and OREO. - Provide early‑warning credit guidance and pre‑default intervention strategies to lending and credit teams. - Prepare regular reporting for management, committees, auditors, and regulators on asset quality, recovery projections, and portfolio risk. - Partner with Finance on CECL/ACL considerations, collateral‑based impairments, and accounting treatment of restructured loans and OREO. Qualifications - Bachelor’s degree in Finance, Accounting, Business, or related field. - Experience presenting special asset, OREO, and workout strategies to management. - Prior regulatory or examination experience related to special assets, OREO, or SBA portfolios. - Strong credit judgment and risk awareness. - Strategic yet execution‑focused approach. - Clear, professional communicator. - High standards for documentation and compliance. - Collaborative and credible leader. Salary $90,000 - $105,000/year; offer is commensurate with experience. Equal Opportunity Statement Quaint Oak Bank and/or its subsidiaries is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, creed, religion, ancestry, citizenship status, age, sex, sexual orientation, gender identity, marital status, national origin, disability or veteran status. Quaint Oak Bank and/or its subsidiaries is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment. To request a reasonable accommodation, contact Rachel Schmahl at 610.798.6111 or rschmahl@quaintoak.com.

• Own the Root Cause: Lead the "detective work" required to diagnose performance shifts. • Drive Decisive Strategy: Design and execute sophisticated A/B and multivariate tests tied directly to recovery. • Influence the Product Roadmap: Identify technical gaps or logic errors impacting performance. • Empower Client Success: Arm Client Managers with sharp, defensible recommendations. • Foster Cross-Functional Accountability: Act as the "source of truth" for the organization. • Scale Through Frameworks: Build repeatable diagnostic frameworks and Looker dashboards. • Navigate Without Authority: Influence outcomes across teams where you may not have formal authority.

• Proactively contact clients regarding overdue and upcoming payments via email and phone • Drive payment conversations with clarity, confidence, and persistence until resolution is reached • Maintain structured follow-up cadence (no dropped or forgotten accounts) • Handle objections directly and push for clear payment timelines, not vague promises • Escalate only after multiple documented follow-ups have been completed • Coordinate directly with Project Managers to ensure invoices are triggered immediately upon project completion • Verify invoice accuracy before issuance to prevent payment delays or disputes • Ensure no completed project sits unbilled or delayed in invoicing • Track invoice lifecycle from issuance → follow-up → payment completion • Maintain an active cash flow calendar tracking expected incoming payments and due dates • Monitor outstanding balances daily and flag overdue accounts immediately • Provide leadership with clear visibility of expected vs actual cash flow • Track recurring company expenses (utilities, vendors, operational costs) to avoid missed payments • Ensure financial obligations are never overlooked or delayed • Build and maintain a structured collections follow-up system (not ad hoc reminders) • Re-engage non-responsive clients using escalating communication strategies • Identify risk accounts early and flag potential non-payment scenarios • Maintain full accountability for follow-up until resolution (payment received or escalation completed) • Input financial data into QuickBooks Online (bills, expenses, invoices) • Assist in generating basic financial summaries when requested • Coordinate with CPA for reconciliation (you do not perform accounting finalization) • Ensure data accuracy to support financial reporting integrity

Role Description The QC Holdings/LendNation E-Commerce Department is seeking experienced remote collections professionals to fill the position of E-Commerce Collections Specialist. This is a full-time opportunity with BONUS POTENTIAL. This position is responsible for servicing loans and collecting on delinquent and defaulted loans. The employee will ensure compliance with all company, local, state, and federal policy, procedures, and laws. Location: Fully Remote with optional Hybrid opportunity upon successful completion of training and maintaining of performance standards. Eligible remote candidates must reside in a state that our company currently does business in. Those states are as follows: - Alabama - Idaho - Illinois - Kansas - Kentucky - Louisiana - Mississippi - Missouri - Nevada - New Mexico - Oklahoma - Tennessee - Texas - Utah - Wisconsin Job duties include but are not limited to: - Assist LendNation’s current customer base with navigation of the website, trouble-shoot any issues customers may have when trying to make payment, refinance etc. - Report all issues in a professional and timely manner as needed to the management team. - Maintain and provide excellent service and a superior experience for all of QC/LendNation customers. - Requires extensive product, system, process, and site knowledge. - Performs skip-tracing and 3rd party communication to facilitate customer contact. Qualifications - Minimum 2 years of 1st or 3rd party collections. - High school diploma or GED required. College preferred. - Demonstrated basic knowledge of MS Office products including Excel, Word, and Outlook. - Excellent communication skills are required, both oral and written. - Strong attention to detail. - Excellent time management and organizational skills. - Ability to type minimum 35+ wpm. Company Description QCHI (LendNation) is a leading customer-focused provider of convenient financial solutions that meet the immediate needs of mainstream consumers. With more than 30 years of experience, QCHI has grown to become a trusted leader in the Alternative Financial Services marketplace, primarily providing credit options for consumers under-served by traditional banking institutions. Additionally, they have expanded services to include small businesses. - Operating in the specialty finance industry, QCHI provides services through a network of approximately 230 branches in the United States and online in the U.S. under the brands LendNation and 310-Loan in Canada. - QCHI provides consumers easy and hassle-free access to a variety of short-term loans as well as additional services such as check cashing and bill pay. - The specialty finance consumer loan industry is rapidly evolving as customers search for greater convenience through online transaction capabilities and a broader spectrum of loan products. - Geographically, QCHI’s headquarters is based in Lenexa, Kansas. QCHI has approximately 700 employees across the United States. - Learn more about QCHI (aka QC Holdings and LendNation) at our website www.qchi.com/company. This is a full-time entry-level position that has great potential for the right person! We are looking for a team player with a mature work ethic, integrity, achieving personality, and exceptional customer service skills! QCHI / LendNation is an Equal Opportunity Employer.