• Underwrites residential loans ensuring compliance with appropriate company, secondary market Investor standards, and all applicable laws • Examines loan documentation for accuracy and completeness • Partners with Loan Originators, Branch Managers and Processors to secure all required documents • Responsible for underwriting files and establishing conditions to meet FHA and LBF guidelines • Ability to make timely, accurate decisions on all FHA transactions • Evaluates risk and ensure quality of each loan decision • Communicates requirements and/or decisions clearly • Reviews all areas of the mortgage loan file to ensure accuracy, completeness, and compliance • Partners with processing to close loans in a timely in efficient manner • Adheres to service level agreements and prioritize workflow

• Manage and maintain the H4S pipeline across assigned wholesale partners • Monitor pipeline performance and identify opportunities to increase funding volume • Re-engage stalled or inactive loan opportunities and drive them toward successful funding • Serve as a primary point of contact for partners on H4S-related scenarios and pipeline updates • Provide a high level of customer service and responsiveness to external partners and internal stakeholders • Support partners with loan structuring, product positioning, and process guidance • Assist in driving adoption of HELOC for Seniors across existing and new accounts • Help partners identify opportunities to utilize H4S with their client base • Support Account Executives by providing product expertise, deal support, and sales guidance • Track and document all H4S loan activity across internal systems and partner pipelines • Ensure alignment between partners, operations, and internal sales teams throughout the lifecycle of the loan • Identify process gaps and work with internal teams to improve efficiency and overall partner experience • Provide product and process training to partners as needed • Support the development of educational materials and sales tools for H4S • Help partners understand borrower eligibility, loan structure, and application process • Work closely with Wholesale Sales Leadership to support growth initiatives • Help expand H4S adoption across key partner accounts • Provide feedback from partners to inform product enhancements and operational improvements • Maintain a strong working knowledge of HELOC products, guidelines, and underwriting considerations • Stay current on industry developments, compliance standards, and market trends impacting HELOC lending

• Assist customers with their online application via inbound calls • Initiate outbound calls to customers who have stalled or been declined • Make 100+ dials per day • Meet business-defined metrics of production • Follow up on HELOC applications with the goal of moving to a funded loan • Answer product-related questions • Solve technical challenges for customers • Manage pipeline of loans • Create interest in reverse mortgage program where H4S cannot work • Transfer non-qualified H4S customers to the reverse team when applicable • Manage lead pipeline via CRM

• Licensed Reverse Mortgage Loan Officers at LBF are assured company-provided qualified leads with no self-sourcing for business or cold calling required. • Communicates professionally and clearly to clients when explaining reverse mortgages. • Calls on prospective clients and introduces them to LBF, the reverse mortgage, and qualifies for counseling session and application. • Collects pertinent information from client and originates Reverse Mortgage. • Performs and sends all paperwork necessary and provides excellent customer service and follow up. • Partners with internal operations to consistently produce clean files. • Explains to clients over the phone on how to complete applications, ensuring all paperwork and signatures needed to process the reverse mortgage are collected timely and accurately. • Maintains timely and accurate records of all customer activity within our CRM Velocify. • Uses a computer proficiently. • Maintains licensing requirements.