This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description This position is responsible for analyzing and evaluating consumer home loan applications as well as the supporting documentation to assess Borrower’s creditworthiness. Types of consumer loan applications include, but are not limited to Conventional, Jumbo, FHA, VA, and USDA residential first mortgages. Must be able to recommend approval or denial of credit applications, and provide written and verbal decision and documentation to support the lending decision. This role is full-time; non-exempt and is remote. This position has no supervisory responsibilities, and reports to the Underwriting Team Manager. Responsibilities and Duties - Perform mortgage credit analysis, with or without the assistance of an automated underwriting system to determine Borrower’s willingness and ability to repay the mortgage debt - Knowledge of FNMA and FMLMC documentation and general guidelines/standards. - Validate loan application and supporting documentation and verify that the system of record reflects correct information. Update system of record when required - Review and validate: income, asset, credit, title, value, and fraud reports - Ensure all required property information is in system - Look over all loans to substantiate that they meet Plaza’s underwriting guidelines - Pull credit report as required - Confirm government required documents are complete and accurate - Review title information and purchase contract, if applicable - Run and review quality control tools – i.e. FraudGuard and Early Check - Run, review, and interpret DU/LP/GUS/TotalScoreCard, when applicable - Document system with all dates and information - Certify system data integrity - May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and USDA based on lending authority levels (underwritten loans must meet all quality standards established by Plaza, Fannie Mae, Freddie Mac, FHA, VA, and USDA) - Maintain production standard goals as established by management - Ability to act as FHA DE, and/or VA Automatic and SAR Underwriter - Order and review MI based on loan program. Ensure that system of record matches MI certificate - Approve/deny loans and update the system accordingly with P.A.C.E comments - Re-underwrite loans when additional information has been received - May be asked to second sign loan decisions for lower level authority underwriters - May occasionally be required to provide training for and mentoring to Junior Underwriters and newly hired Senior Underwriters - Answer and research general underwriting scenario and guideline questions via email and phone - Complete all required underwriting worksheets and checklists - i.e. Income Worksheet, QM/ATR checklist - Assist in resolving branch post-closing suspense issues - Must be able to evaluate and analyze complex income tax returns to establish qualifying income. - Other duties as assigned Qualifications - Recent Underwriting experience in the mortgage industry is a must - Experience with FHA, VA, or USDA is required - Thorough grasp of state and federal regulations is required as well as a solid understanding of: HMDA, Regulation Z, Regulation B; the FHLMC, FNMA, FHA rules and processes - Experience with Loan Origination Systems such as DataTrac - Knowledge of paperless file environment and image software repository - Proficiency with computer systems including MS Office (Word, Excel, and Outlook) and Internet Browsers - Genuine commitment to customer service - Solid organizational and problem-solving skills - Proven aptitude to work in both a team and individual environment - High school diploma or equivalent required; College degree preferred - Experience with (AUS) automated underwriting systems - Working knowledge of loan program products and services, and policies essential Requirements - This is a remote position. Benefits - Estimated Rate of Pay: $40.86 - $50.48 - This position is full-time; non-exempt. - The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons. - In addition, Plaza offers a competitive benefits package; including medical/dental/vision, paid time off and holidays, 401(k), life and pet insurance. - Plaza also offers additional benefits such as an employee friends and family loan and an employee assistance program that includes a variety of discounted services.

• Lead and manage a team of underwriters and associates • Coach, mentor, and train both new and established underwriters • Schedule workloads and assign deals to underwriters to balance effort throughout the year, ensuring a breadth of experience with different investors and markets • Maintain our expertise in serving proprietary investors and major markets • Serve as the primary interface for the underwriting process with one or more proprietary investors • Lead the engagement, supported by one or more underwriters • Ensure that underwriters meet performance expectations • Step in to manage deals and closings for underwriters on leave and independently underwrite one or more investments per year if necessary • Plan and lead group meetings and discussions to build a highly effective and motivated team of professional underwriting project managers and closers • Develop retreats with meaningful training sessions and collaboration with other departments/consultants • Jointly lead efforts to improve underwriting effectiveness • Participate in ongoing process improvement working groups and manage ad-hoc groups to address specific problems and solutions • Work with credit, LIHTC structuring services, investor relations, and others to organize, coordinate, and lead training programs • Schedule regular training sessions throughout the year, both virtually and during special events such as retreats and staff meetings • Lead training sessions or portions of them as appropriate • Collaborate with internal partners to better organize training resources, including LIHTC Structuring trainings, the Analyst Resource Hub, the Underwriter Resource Hub, and the Associate page

• Prepare and review loan files prior to underwriting submission • Analyze borrower documentation for completeness, accuracy, and consistency • Communicate with borrowers to collect missing documents and clarify conditions • Coordinate underwriting conditions and track outstanding items • Ensure compliance with lender guidelines and regulatory requirements • Maintain accurate updates within Loan Origination Systems and CRM • Proactively identify file risks and escalate issues that may delay approval

• Oversee reinsurance operations and lead the placement of reinsurance • Prepare and present proposals for reinsurance placements • Negotiate insurance and reinsurance placements • Maintain current in-depth knowledge of the reinsurance marketplace • Develop and maintain relationships with current and prospective clients • Serve as primary contact for any carrier underwriting and claim audits • Work with all functional areas of the company • Understand and manage current policy administration procedures • Lead strategic analysis of the marketplace • Analyze the quality and quantity of risks underwritten