Role Description The Loss Mitigation Underwriter I will be responsible for underwriting Loan Modifications applications in accordance with Treasury, Company and Investor guidelines while following company’s policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The Loss Mitigation Underwriter I level is the entry level role in the job family and generally handles the least complex underwriting files while gaining additional knowledge and experience on the more complex files. The target pay range for this position is $23.00 - $26.00 per hour. - Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Treasury, Company and Investor guidelines. - Conduct Verification of Income (VOI). - Calculate customer’s front and back-end debt to income ratio. - Verify occupancy, hardship and income. - Apply payment waterfall to determine workout eligibility (repayment plan, forbearance, modification or liquidation options). - If applicable, identify the type(s) and amounts of liquid assets the borrower holds. - Determine and communicate needed conditions to properly document the file (reason for default letter, updated pay stubs, bankruptcy papers, etc.). - Complete system tasks as required to maintain compliance with Treasury, Company and Investor guidelines. - Document final decision and update system of record. Qualifications - High school diploma or equivalent required. - 1 to 2 years of Loss Mitigation Underwriting experience to be considered! Benefits - Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. - Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. - Customized training programs to help you advance your career. - Employee referral bonuses so you’ll get the opportunity to work with friends (and get some extra cash in your pocket!). - Educational Reimbursement. - Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates.

• Assist with the annual budget, quarterly forecasts, and long-range planning process • Maintain driver-based financial models (revenue, headcount, expenses) • Partner with business leaders to develop bottom-up forecasts • Continuously improve forecast accuracy and process efficiency • Analyze performance vs. budget/forecast and provide clear, actionable insights and recommendations to manage risk and drive business decisions and results • Monitor & track risks and opportunities and communicate them clearly to leadership • Own process for defining key financial and operational KPI’s, ensuring alignment with corporate performance objectives • Partner with other finance teams to ensure clarity around budgets and forecasts • Drive accountability around budgets and performance • Provide Enterprise level decision support (M&A, Capital Allocation, etc.) • Prepare monthly/quarterly reporting packages for executive leadership providing business insights • Partner with BI to ensure consistent metric definitions and reporting across the organization • Partner with BI to develop and maintain a single source of truth for performance reporting • Partner with BI to prioritize reporting and dashboard development based on business and leadership needs • Drive process improvements in planning and reporting that enable scalability and automation • Support the evolution towards integrated planning and reporting tools • Work with systems such as Excel, ERP (SAP), and assist in implementation and maintenance of planning tools • Ensure data integrity and consistency across reporting

• Budget management: consolidate and monitor the budget and forecast, performing analyses of actuals versus budget and evaluating action plans proposed by the responsible areas to address identified variances. • Profitability analysis: prepare the monthly income statement (P&L) by business unit and product, ensuring the calculation and monitoring of contribution margins. • Cash flow management: prepare and monitor the Cash Flow Statement (direct and indirect methods), tracking liquidity, CAPEX and investments. • Financial business intelligence: develop and maintain management dashboards and financial KPIs (such as EBITDA, ROIC and liquidity), providing analytical support to executive decision-making. • Data and process quality: identify inconsistencies in databases, support the standardization of information and propose continuous improvements to financial processes and workflows.

• Financial management: Supervise treasury, tax, and financial routines, ensuring compliance and the reliability of financial information. • Processes: Map and automate workflows, promoting efficiency and operational standardization. • Team management: Lead the team, monitor performance, and support continuous development. • Execution: Oversee routines and action plans, ensuring alignment with executive guidelines.