• Perform detailed review, quality control, and approval of escrow disbursements for Real Estate Taxes, Insurance, and Mortgage Insurance to ensure accuracy, timeliness, and compliance with servicing standards prior to release of funds. • Monitor and validate escrow balances to identify shortages, surpluses, and deficiencies, ensuring accurate borrower communications and timely resolution of issues. • Conduct in-depth escrow analyses and reviews, including validation of payment histories, projected disbursements, and proposed adjustments in accordance with investor and servicing requirements. • Support and review the annual escrow analysis cycle, including validation of calculations, review of borrower notices, and resolution of complex inquiries. • Serve as a subject matter expert for complex escrow items, including tax delinquencies, insurance cancellations, and discrepancies, providing guidance and driving resolution of escalated issues. • Act as a key control point within the escrow workflow, ensuring adherence to servicing agreements, internal policies, and regulatory requirements. • Collaborate cross-functionally with Servicing, Finance, Investor Reporting, Asset Management to resolve discrepancies and support data integrity and accurate system posting. • Identify and support process improvements, including workflow enhancements and control strengthening to increase efficiency, accuracy, and consistency. • Contribute to the development and refinement of procedures and training materials, helping ensure consistent execution and supporting onboarding of team members.

Role Description Responsible for effectively managing the construction to permanent servicing portfolio and assisting with timeline and process exception requests. Acts as the single point of contact with loan officers or sales associates during the pre-close period of the process. - Provide oversight and governance of the servicing construction lending portfolio. - Report progress and impediments to the pipeline while focusing on at risk and off track builders and clients. - Assist with exception requests through inclusion of all appropriate parties (credit risk, loan officer, builder, etc.). - Identify and communicate adverse issues, trends or inefficiencies to management and other lines of business along with proposed solutions; contribute to agreed upon resolutions. - Build and maintain relationships with internal and external business partners, managing expectations and accountability. - All other duties as assigned. Qualifications - College degree, or equivalent education and related training or experience. - One to two years of mortgage, banking, banking operations, or comparable education. - Proficiency with Microsoft Office suite of products to include Word and Excel. - Two or more years of retail banking, banking operations, or experience in a law firm or corporate setting (preferred). - Strong research and investigation skills (preferred). - Proficiency with banking software, deposit account systems, or mortgage servicing systems (preferred). - Excellent written and oral communication skills (preferred). - Ability to prioritize a significant volume of work with simultaneous deadlines (preferred). - Strong organizational skills and attention to detail (preferred). - Ability to work effectively in teams and independently and make effective decisions consistent with role and responsibilities (preferred). Requirements - Regular or Temporary: Regular - Language Fluency: English (Required) - Work Shift: 1st shift (United States of America) Benefits - Medical, dental, vision, life insurance, disability, accidental death and dismemberment. - Tax-preferred savings accounts and a 401k plan. - No less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during the first year of employment. - 10 sick days (also prorated) and paid holidays. - Eligibility for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan may apply.

Role Description Responsible for the evaluation and qualification of loans inclusive of Conforming, High Balance, Jumbo, FHA, VA, program(s) for compliance with the requirements of the applicable agency; hold and maintain direct endorsement certification with HUD, VA LAPP/ SAR designation. Also responsible for the review of conforming and non-conforming mortgages to determine compliance with applicable state and federal regulations, investor guidelines and credit union standards with expanded authority to $2,000,000. Review and analyze submitted loans for capacity, capital, collateral, character and condition while upholding fair lending practices. This includes ensuring that loan requests meet program and product specifications or counteroffer to a product and/or program when appropriate. Communicate decision (approval, counteroffer, suspense, denial) to applicable individuals within the department. Manage application turn time by executing credit decision according to the measurement set by department manager; meet targets. Support Underwriters, Processors and Home Loan Advisors as needed with scenarios and loan structuring. Qualifications - Successful completion of High School curriculum is required. - College degree or equivalent a plus. - 3 years minimum, current FHA experience with DE, VA experience with LAPP/ SAR designation. - 10 years minimum of responsible real estate lending experience with a financial or banking institution performing underwriting analysis and functions. - Strong customer/member service relations skills, oral and written communication skills. - Current working knowledge of the real estate mortgage industry, mortgage loan process, FNMA, and FHLMC and guidelines. - Typing, ten key, personal computer to include navigation of internet and facsimile machines. - Updated training provided through seminars, webinars and weekly coaching as Compliance, policies, procedures, or work processes dictate change. - Ability to effectively communicate policy/procedures to staff to assist the supervisor and or manager with training. Requirements - Underwrite loan files received daily according to Federal Housing Administration (FHA), Veteran Affairs (VA), agency, investor and credit union policy and procedures. - Originate and validate FHA and VA insured loans utilizing the U.S. Department of Housing and Urban Development’s (HUD) direct online system, FHA Connection and VA Portal, as applicable. - Review and sign off underwriting conditions in accordance to credit union policy while maintaining established turn times. - Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. - Current knowledge of Conforming, High Balance, Jumbo, FHA, VA secondary market requirements regarding credit, income, disclosure and property. - Ability to analyze tax returns, credit and appraisal reports, fraud detection and other property or income related reports and documentation. - Complete second level review on loans that exceed standard underwriter authority. - Prepare loans and deliver loans for SVP, EVP, CEO or Board approval as outlined in the credit union lending authority guideline. - Review and approve insurance loss drafts, easement, lot line adjustment, and partial release drafts for portfolio loans as assigned by the Underwriting Manager. - Organize and prioritize daily workload to ensure compliance to credit union policy, procedures and established turnaround times. - Communicate and interact with all pertinent vendors, servicers, agencies, investors, staff, and members. - Maintain a current working knowledge of mortgage industry and credit union standards and trends. - Monitor and resolve any quality control or insuring issues on relevant files in a timely manner to prevent delays. - Work with management to implement procedures to prioritize work within the underwriting and processing area as volume dictates. - Ability to work closely with originations and operations staff to ensure compliance with guidelines and policies of credit union and agency. - Assist supervisor or manager with training of staff members. - Assist supervisor or manager with prioritizing workflow as directed. Benefits - Remote work opportunity in CA only. - Pay range: $49.55 - $58.00 Hourly. Physical Skills, Abilities, and Exertion Utilized in the Performance of These Tasks - Effective oral and written communication skills to interact with members, staff, vendors, servicers, investors and various state agencies. - Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. Organizational Contacts & Relationships - INTERNAL: Management, Home Loan Operations Department staff along with credit union branches and supporting departments. - EXTERNAL: Members, real estate agents, servicing agents, various state agencies, title companies, insurance companies, appraisers and other third-party vendors. Licenses/Certifications - FHA Direct Endorsement Underwriter, VA LAPP/ SAR Designation.

• Provide Service Excellence to members during all aspects of the loan origination process for Consumer Loans and Mortgages • Answer inbound phone calls in a high-volume contact center • Efficiently assist members with inquiries about DCU loan products, the application process and other calls related to loan questions • Proficiently originate and process consumer loan applications for automobiles, personal loans, and credit cards • Review credit reports and determine loan eligibility through automated underwriting and/or Loan Officer review • Review required applicant documentation including income verification, purchase agreements etc. • Adhere to borrower/lender compliance requirements and DCU’s internal policies and procedures • Complete required trainings on compliance, DCU products/services and lending guidelines • Support DCU’s Success Sharing Goals by referring and cross selling other DCU products and services • Achieve job expectations for schedule adherence, call efficiency, sales goals and other metrics • Soon become registered through the Nationwide Multistate Licensing System to obtain Mortgage Loan Originator licensing • Answer general questions for and originate Mortgage and Home Equity applications • Participate in performance development by being receptive to constructive coaching feedback from Assistant Managers, Performance Leads and Senior Specialists • Foster teamwork and strive to strengthen relationships between the Information Center Staff and staff in DCU’s support departments • Accurately process transactions, file maintenance and all other member requests • Make process improvement recommendations in an effort to improve the efficiency of operations in the Information Center and/or other areas of the Credit Unions • Perform other job-related duties as assigned or requested.