• Provide individual Underwriter coaching, mentoring, and training on the expectations, processes, guidelines, system work (Encompass), etc., escalating questions as needed for clarification • Serve as the primary point of contact for all questions, clarification, and instruction for Underwriters • Ensure Underwriters understand, apply, and grow their knowledge base of guidelines, processes, and procedures at CCM • Complete CTC reviews until Underwriters have earned lending authority • Review the CR Lending Authority, ACES, Denial, Suspense, Failed, and 2nd Tier Review Pipeline reports daily • Provide valid findings, training, and coaching issues weekly to the VP • Complete at least 2 spot reviews per week on files not reviewed by another department/team (i.e. QC, CRUM, etc.) • Assist with the review of reports and findings regarding Underwriter quality as needed • Manage the pipeline making sure loans for all areas are within SLA, and all loans placed in any external Underwriter status are for no more than 24 hours (for branch rebuttal, 72 hours) • Communicate all load balancing, designated underwriting assignments, and rush/priority reviews (VIP, Transition, etc.) to the Production Coordinators • Assist with loan level production (underwriting, clearing conditions) based on staffing/volume needs • Review and complete non-health/safety escrow holdbacks • Review loan scenarios as needed/required • Review post-closing/credit risk findings to identify and determine training needs • Conduct new branch welcome calls and existing branch calls as needed (daily, weekly, monthly) • Report on Underwriter final bonus numbers; communicate to the VP • Interview prospective Underwriters for hire • Review and approve timecards and PTO requests • Attend weekly meetings with the VP and Monthly National Underwriting department calls conducted by the SVP of Underwriting; hold bi-weekly team meetings with direct reports

• Ability to underwrite conventional and government loans (FHA, VA). • Maintain and report underwriter bonus. • Provide guidance and solutions to underwriting team and branches for complex underwriting scenarios and escalations. • Assist in special projects and training as designated by underwriting management. • Communicate with branches on escalations and escalated scenarios. • Perform second level reviews as designated by senior underwriting management. • Work with underwriting team to maintain standard service level agreements. • Monitor underwriting pipeline to ensure productivity and adherence to set SLAs. • Provide mentoring and coaching to underwriting staff as identified or required by senior management. • Utilize problem solving, judgement, knowledge, and experience to effectively remedy loan level issues. • Manage department reports. • Manage a team consisting of approximately five to ten individuals. • Communicate effectively with operations and sales staff to maintain a high level of customer service via phone and email. • Perform other related duties as assigned by management.

• Provide individual Underwriter coaching, mentoring, and training on the expectations, processes, guidelines, system work (Encompass), etc., escalating questions as needed for clarification. • Serve as the primary point of contact for all questions, clarification, and instruction for Underwriters. • Ensure Underwriters understand, apply, and grow their knowledge base of guidelines, processes, and procedures at CCM. • Complete CTC reviews until Underwriters have earned lending authority. • Review the CR Lending Authority, ACES, Denial, Suspense, Failed, and 2nd Tier Review Pipeline reports daily. • Provide valid findings, training, and coaching issues weekly to the VP. • Complete at least 2 spot reviews per week on files not reviewed by another department/team (i.e. QC, CRUM, etc.). • Assist with the review of reports and findings regarding Underwriter quality as needed. • Manage the pipeline making sure loans for all areas are within SLA, and all loans placed in any external Underwriter status are for no more than 24 hours (for branch rebuttal, 72 hours). • Communicate all load balancing, designated underwriting assignments, and rush/priority reviews (VIP, Transition, etc.) to the Production Coordinators. • Assist with loan level production (underwriting, clearing conditions) based on staffing/volume needs. • Review and complete non-health/safety escrow holdbacks. • Review loan scenarios as needed/required. • Review post-closing/credit risk findings to identify and determine training needs. • Conduct new branch welcome calls and existing branch calls as needed (daily, weekly, monthly). • Report on Underwriter final bonus numbers; communicate to the VP. • Interview prospective Underwriters for hire. • Review and approve timecards and PTO requests. • Attend weekly meetings with the VP and Monthly National Underwriting department calls conducted by the SVP of Underwriting; hold bi-weekly team meetings with direct reports.

• Provide strategic insight and direction for the underwriting organization on assigned LOB • Leads, researches, and coordinates the ownership, execution, strategy, administration and/or development of the most complex products and programs at enterprise level • Creates and communicates best practices and underwriting guidance for assigned LOB to the whole enterprise • Serves as the highest technical expert, consultant, and mentor in Corporate Underwriting on responses to questions for assigned LOB • Leads, and directs the workload and performance of the assigned Underwriting team • Acts as a strategic partner to branch offices on assigned underwriting related matters • Influences strategies through effective communication of underwriting recommendations