• Establish strong relationships with realtors, builders, developers, CPAs, and financial planners • Gain applicable expertise in local and national real estate markets • Negotiate ideal price, terms, and conditions for reverse mortgages • Determine and address problems that may arise during the loan application process • Coordinate customer interaction and interface with all parties involved in each individual loan • Guide customers through the loan process, including negotiation, terms, and conditions • Maintain a customer’s relationship with corresponding realtors, builders, developers, CPAs, and financial planners • Learn and understand rules and regulation guidelines from FNMA, FHLMC, FHA, and VA • Keep aware of all origination, processing, appraisal, underwriting, and closing requirements for both company and investor guidelines pertaining to both government insured and privately insured mortgages

• Ensure accurate payment of commissions through a well-established daily auditing process • Provide superior customer service to our sales force via email, phone, or in person regarding commission related topics • Perform activities in the commissions department • Compile and record agent commission data • Compute commission, post commissions, deductions, and process changes • Answer commission questions via phone and email • Monitor and respond to commission emails • Send emails for the commission department • Process and issue commissions • Process transfer requests, commission changes, terminations, and update agent information • Review commission calculations and other information to ensure accuracy and reconcile commission discrepancies • Conduct audits of agent records • Maintain records management system (electronic) • Mail out checks related to the processing of commissions as appropriate • Prepare reports for management • Recommend improvements to work methods or procedures • Use government regulations, forms, and policies • Use knowledge of agent classification system • Assist in other areas of the commission department as needed

• Review and analyze mortgage applications, supporting documentation, credit reports, and financial statements to assess applicants' creditworthiness and ability to repay the loan. • Evaluate borrowers' income, employment history, credit history, debt-to-income ratio, and other relevant financial factors to determine if the loan application meets lending guidelines. • Determine that the prospective borrower not only has the ability to pay but has also proven a willingness to repay their debts, thus limiting the probability of default and collection difficulties. • Look for complete and accurate information on the loan application and loan package and address any questions raised by lack of documentation or information in order to make an underwriting decision. • Validate the borrower has sufficient acceptable cash assets available to close the mortgage. • Evaluate the property to confirm it is sufficient collateral for the mortgage and that it meets the investors and insurer’s minimum acceptable requirements. • Apply established underwriting guidelines and analyze risk to determine whether to approve, decline, or recommend modifications to loan applications. • Prepare comprehensive underwriting conditions and underwriting comments supporting justifications for loan approvals or denials. • Ability to identify red flags and apply prudent underwriting. • Collaborate with loan officers, processors, and other relevant parties to gather information and clarify discrepancies in loan applications. • Utilize the appropriate AUS system and properly entering data into the AUS from the validated information on the URLA. • Collect any information to sell the loan after the loan is closed based on an investor’s suspense, EPD, QC, or other unresolved issues. • Ensure compliance with federal, state, and local regulations, as well as adherence to internal lending policies and procedures. • Stay current with industry trends, lending regulations, and market conditions to adjust underwriting practices as needed. • Other duties as assigned.

• Plan and organise plant, labour, and materials for the project, particularly ensuring the efficient design and implementation of formwork systems. • Oversee and monitor subcontractors and suppliers to ensure work meets safety and quality standards, with a focus on the integrity and performance of formwork systems during concrete pours. • Maintain a strong understanding of OH&S regulations and ensure compliance on-site, especially concerning formwork structures and safety protocols. • Keep detailed daily records of site activities and progress. • Interpret plans and technical drawings with a particular focus on formwork design specifications to ensure accurate implementation during construction. • Communicate effectively with both internal teams and external stakeholders. • Manage quality control processes and ensure that all work meets specifications. • Assist in coordinating multiple teams across different projects as needed. • Act as a proactive problem solver with a focus on innovation and efficiency.