• Manage a pipeline of mortgage loan files to ensure timely progression from submission through closing in alignment with internal SLAs • Review loan files for completeness, accuracy, and compliance with company policy, investor guidelines, and regulatory requirements (TRID, RESPA, ECOA, ATR/QM) • Submit complete and accurate loan files to underwriting and manage all subsequent conditions, including borrower, title, appraisal, and third-party documentation • Proactively communicate with borrowers, Loan Officers, real estate agents, and third parties to collect required documentation and provide status updates • Monitor and manage loan milestones, including disclosures, conditions, and closing timelines, ensuring adherence to required timeframes • Order and track third-party services, including appraisals, title work, verifications (VOE/VOD), and flood determinations • Review and prepare loan disclosures (including changes of circumstance) in coordination with internal processes and compliance requirements • Identify and resolve file issues, documentation gaps, or compliance concerns early in the process to prevent delays • Maintain accurate and complete loan documentation within the loan origination system (Encompass or equivalent) • Partner with internal teams (LOA, Underwriting, Closing, Post-Closing) to ensure smooth file progression and minimize rework

• Qualifies and originates mortgage loan applicants • Conducts business development • Builds relationships with Realtors, Builders, and other referral sources • Provides exceptional service to existing customers while cross-selling and referring to other departments • Facilitates the loan closing process

• Underwrite mortgage loan applications in accordance with industry standards, investor requirements, and Heritage Bank loan policy • Manage a pipeline of loans and ensure all documentation meets company guidelines • Provide best-in-class client service through professional communication • Analyze and evaluate loan applications and supporting documentation • Communicate underwriting findings and assist with resolutions

• Show homes, host open houses, attend inspections • Set your own hours and control your workload • Get plenty of customers, especially on weekends • No sales pressure, contracts, or closings • Work remotely out in the field – no office visits required