Role Description As a fully remote Junior Loan Processor aka Loan Assistant, you will support the customer journey from application to funding, provide an overview of Knock’s products and programs, and assist with seeing customers through to a successful closing. - Assist the process by gathering required documentation to successfully submit the loan file for processing/underwriting and obtaining Initial Closing Disclosure signatures to meet on-time closings. - Successful and effective pipeline management consisting of 50-60 loan closings per month. - Complete Patriot Act based on customer ID. - Ensure minimum submission requirements and documents are met prior to submitting loans to processing. - Assist other team members with any borrower requests. - Understanding of TRID to compliantly issue initial disclosures and revised Loan Estimates within 24-48 hours of receiving loan. - Experience with condo approval requirements including requesting documents and reviewing documents to ensure all relevant questions are completed. - Excellent customer service is second nature, with a natural inclination to assist others. - A quick study and self-starter: taking initiative and learning quickly in a remote, tech-enabled environment is critical to success. - Collegially competitive: meet or exceed individual quotas and expected company metrics while also sharing what is and isn’t working with an understanding that a rising tide lifts all ships. - Responsive to internal stakeholders and external customer needs, leaving no email unresponded and no voicemail unreturned. - Comfortable working autonomously: able to follow guides, job aids, and scripts to complete tasks such as gathering loan documentation and disclosing loan files - you search for your answer before asking a question. - Promote a culture that puts People First, with an emphasis on best-in-class customer service from lead to closing. - Continually learn, grow, and expand your knowledge of the mortgage origination process. - Take on ad-hoc projects as they arise & always be willing to support your team where they need you. Qualifications - 1+ years of experience in mortgage operations and/or processing. - Experience using Encompass, Blend and/or Google Suite required. - You are comfortable with change and working in a fast-paced, startup environment. - You are a team player and a fantastic communicator (written and verbal) - naturally inclined to deliver amazing customer service. - Ability to review and interpret internal guidelines. - Process oriented with a keen eye for detail. - Belief in creating diverse, equitable, and inclusive practices and programs that will further Knock’s commitment to making an impact, learning, putting people first, being open, and courageous. - Have proven success working 100% remote in prior positions & are experienced working with a distributed, national team. - Education: High school diploma or equivalent. Requirements - Set up and constantly operate a computer. - Communicate and exchange accurate information to others via telephone or internet video applications. - The candidate must be able to perform the essential functions of the job, with or without reasonable accommodation. Benefits - Top tier medical, dental, & vision benefits for full time employees starting on the first day of employment. - Flexible Paid Time Off for full time employees. - Paid parental leave for all full time employees: - 12 weeks paid parental leave for the birthing parent. - 6 weeks paid parental leave for the non-birthing parent. - One thousand annually for professional development. - Life, AD&D and Disability insurance for full time employees. - 401K (noncontributory by Knock) for all employees. - $75 monthly allowance for health & wellness. - Up to $400 monthly for a co-working space for eligible employees. - $100 monthly allowance for home internet, mobile phone or other communication devices. - $2,500 referral bonus for eligible employees.

• Process DSCR and investor mortgage loans from initial disclosure through closing • Review, verify, and organize borrower, property, and third-party documentation to ensure complete loan files • Calculate and validate DSCR metrics, rental income, and cash-flow inputs in accordance with lender guidelines • Submit loan files to underwriting and manage underwriting conditions through final approval and clear-to-close • Collaborate closely with loan officers, wholesale account executives, underwriters, borrowers, title/escrow, appraisers, and other third-party vendors • Track loan milestones, follow up on outstanding conditions, and proactively resolve issues to keep loans moving • Maintain accurate loan notes, document tracking, and status updates in the loan origination system and lender portals • Ensure compliance with investor requirements, internal policies, and applicable regulatory standards

Role Description You independently manage the full lifecycle of consumer loan processing from application through funding, ensuring accuracy, timeliness, and compliance while delivering a strong member experience. You are a detail-oriented, dependable lending professional with strong judgment and communication skills, known for managing a high-volume pipeline, resolving complex issues, and maintaining high standards of quality and compliance. You take ownership of your work by proactively managing loan files, collaborating across teams, identifying risks or exceptions, and using critical thinking to drive solutions that support efficient processing and positive outcomes for members and partners. - Maintain and apply a thorough working knowledge of state and federal laws, regulations, and internal policies related to consumer lending and credit union compliance, including BSA/AML, OFAC, privacy requirements, and fraud/identity theft prevention practices relevant to the role. - Manage a high volume of inbound and outbound loan-related calls and messages while simultaneously progressing multiple loan applications; prioritize workload to meet established service levels, accuracy targets, and funding timelines. - Independently manage an active pipeline/portfolio of approximately 40–50 applications at any time (typically 75%+ vehicle-secured), ensuring proactive follow-up, timely condition clearing, accurate documentation, and end-to-end ownership through funding. - Perform quality control reviews to support loan funding and operational audits, ensuring files meet documentation standards, lien perfection requirements, and regulatory/policy guidelines; identify exceptions, and drive corrective action to mitigate risk. - Collect, analyze, and validate relevant financial and identity documentation (e.g., proof of income, stipulations, insurance, title/registration) to satisfy loan conditions; maintain effective member relationships by setting expectations and providing clear status updates. - Participate in all department functions to help achieve objectives. - Continuously develop yourself to solve problems and improve department performance. - Foster a positive work environment by actively listening to and responding to member and co-worker needs with a courteous and helpful attitude. - Analyze data, research, and collect documentation, and prepare loan documents with minimal errors. - Obtain and verify required Department of Motor Vehicles (DMV) documentation to properly record the credit union's lien on loan collateral. - Collaborate with peers across different departments to carry out key steps in the loan application process. - Conduct supportive tasks including email correspondence, answering emails and TEAM chat queries, conducting consumer loan fulfillment audits, providing assistance on escalated calls and branch emails. - Identify, investigate, and mitigate potential fraud, suspicious activity, and identity theft by recognizing red flags, validating documentation, applying due diligence standards, and escalating/referring cases in accordance with established procedures. - Apply critical thinking and continuous-improvement practices to reduce errors, streamline processing steps, and improve member and employee experience; recommend process enhancements and share best practices with peers. - Participate in video conferencing and online meetings while being comfortable in a virtual office culture. - Provide effective oral and written communication skills to aid other employees and proactively follow up on member inquiries and concerns via approved communication channels taking care to ensure proper grammar and a professional tone. - Provide exceptional customer service to Golden 1 members, dealerships, and outside finance companies. - Perform other tasks as assigned. Qualifications - H.S. Diploma or General Education Degree (GED) required - AA degree or some college preferred - 4+ years experience in a fast-paced lending or work environment with high loan processing volume with demonstrated ability to independently manage complex loan files, resolve escalations, and consistently meet quality, compliance, and productivity standards in a high-volume environment required Benefits - Market-competitive and internally equitable total rewards compensation package - Comprehensive compensation package - Well-being and work-life balance - Career development and growth - Rewards and recognition - Commitment to Diversity, Equity and Inclusion

• Communicate with various companies to obtain vendor information including, but not limited to, verification of employment, flood certificate, title commitment, and payoff information; verify vendor orders are completed and returned, and invoices are received and documented • Perform a thorough review and analysis of borrower’s credit, income, and assets as required by loan program before submitting the file to underwriting • Obtain a complete loan package before submitting to underwriting; verify all required documentation in the file is complete and accurate and identify any potential issues that may arise before submitting to underwriting (pre-underwrite) • Prepare a loan approval summary for missing documentation before submitting to underwriting for Loan Officer/Branch Manager to review; deliver completely documented file to the underwriter which is ready for approval or denial • Communicate directly with the customer in writing and by telephone to obtain missing documentation required for the loan as needed • Review loans for compliance within RESPA, TIL, HMDA, Reg. B, etc. (all mortgage related regulations) • Prepare proper disclosures and re-disclosures as required by regulations • Complete required loan submission, re-submission, and closing checklists • Manage pipeline within allotted turn times • Document all communication related to the loan application in the LOS system’s conversation log • Assist closing, secondary, and servicing to obtain documentation needed to clear outstanding suspense items for personal loans worked on and/or loans worked on from other transition team members • Performs such other duties as required. • Available to work varying hours and overtime if needed.