Title: Loss Mitigation, Underwriter l Location: United States Job Description: Come join our amazing team and work remote from home! The Loss Mitigation Underwriter l will be responsible for underwriting Loan Modifications applications in accordance with Treasury, Company and Investor guidelines while following company’s policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The Loss Mitigation Underwriter I level is the entry level role in the job family and generally handles the least complex underwriting files while gaining additional knowledge and experience on the more complex files. The target pay range for this position is $23.00 - $26.00 per hour. What you’ll do: - Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Treasury, Company and Investor guidelines. - Conduct Verification of Income (VOI). - Calculate customer’s front and back-end debt to income ratio. - Verify occupancy, hardship and income. - Apply payment waterfall to determine workout eligibility (repayment plan, forbearance, modification or liquidation options). - If applicable, identify the type(s) and amounts of liquid assets the borrower holds. - Determine and communicate needed conditions to properly document the file (reason for default letter, updated pay stubs, bankruptcy papers, etc.). - Complete system tasks as required to maintain compliance with Treasury, Company and Investor guidelines. - Document final decision and update system of record. What you’ll need: - High school diploma or equivalent required. - 1 to 2 years of underwriting loss mitigation experience required Our Company: Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com. What We Offer: - Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. - Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. - Customized training programs to help you advance your career. - Employee referral bonuses so you’ll get the opportunity to work with friends (and get some extra cash in your pocket!). - Educational Reimbursement. - Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. #Carrington #LI-GV1 Job Info - Job Identification4104 - Job CategoryLoss Mitigation - Degree LevelHigh School Graduate - Job ScheduleFull time - Locations 500 N State College Blvd, Orange, CA, 92868, US(Remote)

Associate Consumer Underwriter - Northeast Region Location: Portland United States Job Description: Ally and Your Career Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too? Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need. The Opportunity Location preference: Cranberry Township, PA hybrid position (3 days in-office / 2 days remote) Other location options: work from home (WFH) - Connecticut (CT), Delaware (DE), Maine (ME), Maryland (MD), Masschusetts (MA), New Hampshire (NH), New Jersey (NJ), New York (NY), Ohio (OH), Pennsylvania (PA), Rhode Island (RI), Vermont (VT), West Virgina (WV) Keywords: entry level role, recent college grads, Credit Risk Associate, Junior Analyst, Auto Lender For over 100 years we’ve helped dealers serve their customers by providing the best-in-class products and services they need – and by remaining true to the automotive passion we share. Take the wheel on your career and join a team that is dedicated to providing world class support to our customers as they look to purchase and lease vehicles. We are problem solvers, we value diverse thinking, we support one another, and we challenge ourselves to think bigger in the journey to deliver customer-obsessed auto finance products and solutions. A Consumer Underwriter – Auto Finance evaluates, negotiates, and decisions consumer offerings within Ally’s underwriting policies to further grow application and contract volume. They build and maintain a portfolio of dealers and provide best-in-class relationship management for their assigned territories as a crucial part of the Ally Auto framework. The Work Itself - Increase dealer portfolio revenue by practicing sound underwriting judgment and upholding Ally’s risk management principles - Leverage high-touch and high-tech capabilities to negotiate contracts - Demonstrate market awareness, strong listening, and adaptability as you build and cultivate strong relationships with dealers - Requires flexibility in work schedule; evening hours, limited travel, and weekends required The Skills You Bring Minimum Qualifications - 0+ years of experience - High school Diploma or GED equivalent Preferred Qualifications - High school/GED is required; bachelor’s degree is preferred - 1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services is preferred - Ability to perform technical based activities - Knowledge of and exposure to fundamental theories, principles, and concepts - Demonstrating technical expertise and relationships to supply to strategy and drive business results - Familiar with the Auto Finance industry, consumer credit, trend analysis/analytics - Excellent sales, negotiation, problem solving, and analytical skills - Must be an independent worker with strong time leadership skills How We'll Have Your Back Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including: - Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level). - Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access. - Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially. - Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts. - Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs. - Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity. Who We Are: Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law. Base Pay Range: $47840 - $75000 USD An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer. Incentive Compensation: This position is eligible to participate in our annual incentive plan.

• Underwrite group ancillary lines and evaluate high levels of risk and complexity for customers with primarily 5,000+ lives in the National Accounts ancillary lines market • Manage an in-force book of business that includes moderate to complex cases, serving as a primary contact and internal consultant to management and external contacts • Provide expert guidance to others in the underwriting family as a key resource to the division; mentor 1:1, classroom train, and identify training gaps and trainee needs in collaboration with leadership within the Mid-Market underwriting teams, field office sales and service partners • Project work as needed

• Underwrite group ancillary lines and evaluate moderate to high levels of risk and complexity for customers with primarily 5,000+ lives in the National Accounts ancillary lines market. • Manage an in-force book of business that includes moderate to complex cases, serving as a primary contact and internal consultant to management and external contacts. • Provide guidance to others in the underwriting family as a key resource to the division; mentor 1:1, classroom train, and identify training gaps and trainee needs in collaboration with leadership within the Mid-Market underwriting teams, field office sales and service partners. • Project work as needed.