• Manages the credit underwriting and credit administration functions for assigned portfolio • Establishes the credit structure, Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships • Directs the Centralized Credit Management staff within assigned teams in monitoring the portfolio and/or origination of new credit exposure • Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions • Guides the team to properly structuring new and existing credit exposure within the bank's risk appetite • Ensures adherence to Risk Policies, implements operational risk processes, policies, and practices

Role Description The Supervisor, Loss Mit will be responsible, directly or through staff, for protecting the assets of the company in bankruptcies, repossessions, and other legal proceedings. The Loss Mitigation (Mit) Supervisor plans, directs, supervises and evaluates workflow for the Loss Mitigation department, coordinates work activities to achieve the volume expected to meet operational requirements, provides process-specific feedback and training to loss mitigation efforts throughout the unit, recommends operational improvements, monitors performance of staff members according to established standards and conducts performance evaluations, training and coaching of the staff. Essential Job Functions - Supervises daily operation of the Loss Mitigation department, ensuring compliance with departmental policies and procedures and all applicable government, investor and client regulations. - Reviews loss mitigation transactions for approval or denial to ensure consistency, accuracy, and quality within department. - Identifies trends and develops process improvements and system enhancements to improve department's effectiveness. - Receives and resolves customer complaints. - Performs duties related to staff development such as performance evaluations, disciplining employees, and training. - Compiles data and generates ad-hoc reporting for Manager. - Provides monthly summary to Manager on departmental performance objectives. - Maintains up-to-date knowledge, understanding and documentation of required State, Federal, CFPB, Investor, and PMI guidelines related to loan modifications, short sale, and deed in lieu. - Ensures regular and timely communication of required process changes to all areas of the Credit Solutions department. - Sets production and service goals for direct reports. - Directs the performance of the staff through effective coaching, training and performance appraisals to achieve established goals and service levels. - Develops and analyzes management reports to ensure all production and quality goals are met. - Serves as subject matter expert and escalation point for staff and members regarding loan modifications, short sale, and deed in lieu. - Maintain regular and punctual attendance. Other Related Duties - Performs other related duties as assigned. Supervisory Responsibilities - Manages staff and carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. - Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. Qualifications - Bachelor's degree (B.A.) from four-year College or University or equivalent work experience. - Three to five years of experience in a Collections/Loss Mitigation related position, preferably in a Financial Services environment, or an equivalent combination of education and experience. Language Skills - Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. - Ability to write reports, business correspondence, and procedure manuals. - Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Mathematical Skills - Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Reasoning Ability - Ability to carry out detailed written and/or verbal instructions. - Ability to solve problems involving concrete variables in standardized situations. - Ability to define problems, collect data, establish facts, and draw valid conclusions. 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. - Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. - While performing the duties of this job, the employee is frequently required to sit and talk or hear. - The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. - The employee must occasionally lift and/or move up to 10 pounds. Work Environment - The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. - Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. - The noise level in the work environment is usually moderate. Equal Employment Opportunity Freedom Mortgage is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Freedom Mortgage Corporation may change the specific job duties with or without prior notice based on the needs of the organization.

Role Description The Senior Underwriting Operations Specialist plays a pivotal role in managing underwriting processes, ensuring efficiency, accuracy, and compliance. They collaborate with cross-functional teams, analyze risk data, and contribute to strategic decision-making. This position requires strong technical skills, attention to detail, and excellent communication. Job Responsibilities: - Provide leadership and guidance to junior underwriters and other staff members. - Develop and implement underwriting strategies to achieve business objectives. - Develop and update underwriting policies and procedures. - Oversee the risk assessment process and make final underwriting decisions on complex cases. - Conduct training programs for underwriting staff and ensure their professional development. - Identify and implement process improvements to enhance efficiency and effectiveness of underwriting operations. - Communicate effectively with stakeholders, including brokers, agents, and clients, to maintain strong relationships. - Oversee compliance with all relevant laws, regulations, and company policies. - Monitor and evaluate the performance of the underwriting team and take corrective actions when necessary. - Analyze market trends and competitor activities to inform underwriting strategies. Qualifications - Bachelor’s degree in Risk Management or Business with a minimum of 8 years of experience. Requirements - Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU) or Associate in Risk Management (ARM) is preferred. Technical/Functional Skills - Underwriting Software - Risk Assessment - Data Analytics - Regulatory Knowledge - Leadership - Technical Proficiency Behavioral Skills - Effective Communication - Adaptability - Decision-Making - Collaboration - Attention to Detail - Analytical Thinking Benefits - Comprehensive and best-in-class benefits package. - Paid time off for company holidays, vacation, sick and personal days. - Paid parental leave. - Mental health services and more. Salary Information The target salary range for this position is $136,000.00 - $170,000.00 annually. The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full-time roles are eligible for bonuses and benefits. Equal Opportunity Employer Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization. Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions. Accommodations We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation at HR@Ryansg.com.

• Supports first-line credit underwriting and portfolio management • Supervises a team of underwriters and credit analysts • Oversees risk grading, loan evaluation, and portfolio monitoring • Identifies potential risks and trends using data-driven insights • Collaborates with sales, risk, and credit teams • Implements credit strategies and streamlines underwriting processes • Ensures compliance with internal policies and regulatory requirements • Assists in developing and mentoring team members