American Pacific Mortgage jobs

IS LOCAL IN-OFFICE OR HYBRID Job Title: Non-QM Mortgage Underwriter Department: Underwriting Reports to: Underwriting Manager FLSA Status: Non-Exempt Prepared By: Human Resources Prepared Date:July 15, 2025 Management Approval: Summary: Non-QM Mortgage Underwriter is responsible for evaluating and underwriting Non-Qualified Mortgage loan applications, including programs such as bank statement loans, DSCR (Debt Service Coverage Ratio), and other alternative documentation loan types. Strong background in credit analysis, a deep understanding of Non-QM guidelines, and the ability to make sound lending decisions in a fast-paced environment. Essential Duties & Responsibilities: Review and underwrite Non-QM loan applications to ensure compliance with internal and investor guidelines. Analyze complex financial documentation, including bank statements, P&L statements, asset depletion, and rental income. Evaluate borrower credit, income, assets, employment, and collateral to assess loan risk and eligibility. Render credit decisions with clear documentation and rationale supporting the underwriting determination. Communicate effectively with processors, loan officers, and other internal teams to facilitate the loan process. Clear conditions and prepare files for closing while maintaining compliance with ATR (Ability to Repay) and regulatory standards. Keep current with changes in investor and company guidelines and ensure adherence in underwriting decisions. Maintain accuracy and completeness of loan files and documentation in the Loan Origination System (LOS). Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Minimum of 3-5 years of mortgage underwriting experience, with a strong emphasis on Non-QM loan products. Proficiency in bank statement income analysis, DSCR evaluations, and other non-agency income documentation. Strong knowledge of Non-QM investor guidelines (e.g., Angel Oak, Citadel, Carrington). Experience working in LOS platforms such as Encompass. Excellent analytical, organizational, and time management skills. Ability to work independently and meet deadlines in a high-volume environment. Strong written and verbal communication skills. Education & Experience: Familiarity with regulatory guidelines (e.g., ATR/QM rules, TRID, RESPA). DE/SAR/LAPP certification is a plus but not required. Experience in remote work environments. Skills: Language Skills: Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees. Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation. Computer Skills: Sound working knowledge of computer and office software operations and systems. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level and temperature in the work environment is usually moderate. This does not promise or imply that the functions listed are the only duties to be performed or that the position may not change or be eliminated. The Company has reviewed this job description to ensure that essential functions and basic duties have been included. It is intended to provide guidelines for job expectations and the employee's ability to perform the position described. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills, and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and the Company reserves the right to change this position description and/or assign tasks for the employee to perform, as the Company may deem appropriate.

Description Production Partner (Loan Officer Assistant) - CMG Home Loans CMG Home Loans is looking to hire a seasoned Production Partner (Loan Officer Assistant) for our Temecula, CA Branch. This position will support a high producing Branch Manager by assisting in all aspects of file manufacturing and guideline review. The Production Partner will manage communication with customers, referral partners, and internal operations staff to ensure the timely closing of all loan files. Strong communication and organizational skills are essential. This is an in-office position with some opportunities for a hybrid schedule depending on the team's needs. Essential Duties and Responsibilities: - Manage the lead pipeline. - Work directly with customers to manufacture complete loan files. - Review file qualifications with a strong emphasis on income calculation. - Support referral partners and qualified borrowers during the home search. - Deploy initial loan disclosures, order appraisals, and open escrow. - Submit complete loan packages to processing and support the file through closing. - Track all important milestones to ensure timely closings. Qualifications and Experience: - Ability to work daily in our Temecula, CA location, with some remote hybrid opportunities. - 3+ years of mortgage experience required. - Strong understanding of Conventional and Government loan guidelines. - Strong emphasis on income review and calculation. - Excellent communication skills via phone, text, and email. - Ability to work in a fast-paced, deadline-driven environment. - Ability to follow documented SOP file flow and remain accountable to expected timeframes for task completion, with daily tracking. - Familiarity with various mortgage software systems and CRM platforms. - Spanish speaking is a major plus. - NMLS license preferred but not required. Supervisory Responsibilities: Direct Reports: N/A Physical and Environmental Conditions: This role operates in an ADA-compliant office environment, utilizing standard office equipment and tasks, including computer work. The position may involve partial stationary positions and movement throughout the day. Flexibility to work overtime to meet project deadlines is requested. Base Compensation Information: For residents of CA, CO, New York City, and other areas requiring disclosure: CMG pays a competitive base salary ranging from $25.00 to $28.00 per hour, with an additional per-file incentive. Factors that affect base salary may include overall mortgage experience, number of years in the industry, types of roles performed, computer skills, customer service experience specific to mortgage lending, and education. CMG Financial is an equal opportunity employer and does not unlawfully discriminate in employment decisions. CMG will consider all qualified applicants without regard to race, religion, national origin, sex, age, veteran status, disability, familial status, marital status, actual or perceived sexual orientation, or actual or perceived gender identity. Applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of CMG Financial or reach out to [email protected]. CMG MORTGAGE, INC. NMLS #1820 If you are a recruiter or placement agency, please do not submit resumes to any person or email address at CMG Financial prior to having a signed agreement . CMG Financial is not liable for and will not pay placement fees for candidates submitted by any agency other than its approved recruitment partners. Furthermore, any resumes sent to us without an agreement in place will be considered your company's gift to CMG Financial and may be forwarded to our recruiters for their attention.

Job Description : Mortgage Retail Sales Leader (APM Las Vegas Branch) Title: Mortgage Retail Sales Supervisor - Build & Lead With Clarity Overview : Are you a seasoned originator ready to lead, coach, and empower others-without losing production? We're building something different in Las Vegas. Our APM branch is focused on performance without burnout, structure without micromanagement, and leadership without limits. This is your opportunity to join a high-visibility platform that equips you with the tools to lead originators to new levels of volume, brand presence, and referral authority. What We Offer: Leadership opportunity with local control and national resources Dedicated marketing manager to support your team's brand, outreach, and events CE teaching access for you and your producers Strategic coaching tools and business planning support Modern technology stack (Candor, AP Connect, Fee Chaser, Total Expert) Recruiting support and onboarding transition team ESOP (Employee Stock Ownership Program) Who You Are: Licensed originator with 5+ years of experience and consistent personal production Proven leadership or mentorship experience preferred Able to coach and support a team of LOs in loan structure, marketing, and growth Passionate about local brand building and community presence Strong understanding of referral-based business models Clear communicator with a mindset for scale What You'll Do: Recruit and lead a team of 3-10 loan originators Support team members in building agent relationships, structuring deals, and closing loans efficiently Represent APM through community engagement and CE programming Partner with our in-house marketing team to amplify your team's visibility Create a positive, productive, and high-performance culture We're looking for a growth-minded leader who's ready to build. To explore the opportunity, Lead. Grow. Build-without compromise.

Job Title: Licensed Loan Officer Assistant Department: Production Reports to: Branch Manager FLSA Status: Non-Exempt Prepared By:Human Resources Management Approval: VP of HR Salary: $20.00 - $25.00 per hour with ability to make 50 BPS per file bonus ***** THIS IS A PART TIME REMOTE POSITION***** Summary: American Pacific Mortgage is seeking a Licensed Loan Officer Assistant to provide administrative and customer service support to our Loan Officers while maintaining and enhancing client relationships. This role is ideal for someone who thrives in a fast-paced, customer-focused environment and has a passion for the mortgage industry. The Loan Officer Assistant/Relationship Manager will play a critical role in ensuring a seamless loan process by assisting with loan applications, managing communications, and supporting the loan officer's efforts to meet clients' needs throughout the loan lifecycle. Essential Duties & Responsibilities: Loan Application and Processing Support: Assist with Loan Origination: Provide administrative support to Loan Officers by gathering necessary documents, inputting data into loan origination systems, and preparing loan applications. Ensure all client documentation (pay stubs, tax returns, bank statements, etc.) is accurate and complete for timely submission to underwriting. Review loan applications for completeness, verifying that all necessary paperwork is collected before submission to underwriting. Communication and Follow-Up: Maintain regular communication with clients, agents, and third-party vendors (such as appraisers, title companies, etc.) to provide updates on the status of loan applications. Follow up on outstanding documentation, ensuring all requested items are submitted promptly and accurately. Provide clear and timely updates to clients about the loan process, answer questions, and ensure a positive experience. Coordination of Loan Processing: Assist the loan officer in managing the pipeline of loan applications, ensuring that loans move smoothly from initial application to final approval and closing. Collaborate with underwriters and processors to ensure that all conditions are met before submitting the loan for final approval. Review and help manage conditions, follow up on loan status, and assist with final document preparation. Customer Service and Relationship Management: Client Relationship Building: Build and maintain strong, positive relationships with clients, real estate agents, and other partners. Serve as the point of contact for clients throughout the loan process, ensuring they feel informed, supported, and confident in their loan journey. Handle client inquiries, resolve any concerns, and proactively ensure a smooth and positive experience. Proactive Client Engagement: Help identify client needs and provide timely solutions to improve the overall client experience. Assist the Loan Officer in maintaining long-term relationships with clients by sending follow-up emails, making calls, and providing reminders about future mortgage needs, such as refinancing opportunities. Help coordinate post-closing follow-ups to ensure client satisfaction and increase repeat business and referrals. Administrative Support: Document Preparation and Management: Prepare loan files, ensuring that they are organized, complete, and in compliance with regulatory requirements. Assist with the preparation of loan disclosures, and other required documents, ensuring timely and accurate delivery to clients. Maintain accurate and up-to-date client records in the loan management system, ensuring compliance with privacy and regulatory guidelines. Scheduling and Coordination: Schedule meetings, phone calls, and client appointments for the Loan Officer. Coordinate and manage loan officer's calendar to ensure maximum efficiency. Ensure the Loan Officer is prepared for client meetings with all necessary information and documents. Marketing and Business Development: Support Business Development Efforts: Assist in the creation of marketing materials, social media posts, and email campaigns to attract new clients and partners. Help manage and track leads from real estate agents, builders, and other referral sources, and maintain a system to track referral relationships. Support the Loan Officer with marketing events, webinars, and client appreciation activities to build business relationships and generate new loan opportunities. Brand Representation: Represent the Loan Officer and American Pacific Mortgage with professionalism and integrity at all times. Participate in local events, client meetings, and networking opportunities to enhance visibility in the market. Compliance and Industry Knowledge: Compliance Adherence: Ensure all client interactions, loan processing tasks, and document submissions comply with applicable federal, state, and local regulations. Stay up-to-date with changes in mortgage industry regulations and standards and assist in ensuring compliance with these changes. Product Knowledge: Stay informed on available mortgage products, interest rates, and industry trends to effectively communicate options to clients and provide guidance. Assist clients in understanding mortgage options and recommend the best solutions for their needs. Supervisory Responsibilities: None Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Competencies: To perform the job successfully, an individual should demonstrate the following competencies: Problem Solving - Superior analytical, evaluative, and problem-solving. Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics. Detail Oriented - Keen attention to detail Interpersonal Skills - Proven leadership ability. Ability to set and manage priorities judiciously Maintains confidentiality; keeps emotions under control. Oral Communication - Ability to present ideas in business-friendly and user-friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings. Written Communication - Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information. Teamwork - Ability to motivate in a team-oriented, collaborative environment. Contributes to building a positive team spirit. Attendance/Punctuality - Is consistently at work and on time, ensures work responsibilities are covered when absent. Dependability - Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; complete tasks on time or notifies appropriate person with an alternate plan. Initiative - Exceptionally self-motivated and directed. Volunteers readily; undertakes self-development activities; seeks increased responsibilities. Innovation - Displays original thinking and creativity; generates suggestions for improving work. Education & Experience: 2+ years of experience in the mortgage or real estate industry is preferred. Experience in customer service or relationship management is a plus. Strong administrative and organizational skills, with experience supporting loan officers or other financial professionals. Technical Skills: Proficiency in Microsoft Office Suite (Word, Excel, Outlook). Experience with loan origination software (e.g., Encompass, Calyx, or similar systems) is a plus. Familiarity with mortgage regulations and documentation is preferred. Licensing: Mortgage Loan Originator (MLO) license or the ability to obtain it is required. Skills: Industry Specific Skills: Ability to establish and maintain effective accounting systems and procedures. Ability to analyze large volumes of data related to complex processes, and visually present the results in a clear and concise manner. Language Skills: Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees. Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation. Computer Skills: Advanced proficiency in Excel. Attention to details in the accuracy and presentation of reports. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level and temperature in the work environment is usually moderate. This does not promise or imply that the functions listed are the only duties to be performed or that the position may not change or be eliminated. The Company has reviewed this job description to ensure that essential functions and basic duties have been included. It is intended to provide guidelines for job expectations and the employee's ability to perform the position described. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills, and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and the Company reserves the right to change this position description and/or assign tasks for the employee to perform, as the Company may deem appropriate.

The Marketing Specialist will manage an in-house marketing strategy to help assist in sales marketing through company provided CRM, SEO platform, and Social Media. This individual will be responsible for the coordination and deployment of marketing campaigns. Candidates will be required to obtain an in-depth understanding of systems and meeting certain deadlines. We are hiring for an onsite employee at our San Ramon, CA or Baltimore, MD offices. ESSENTIAL DUTIES and RESPONSIBILITIES, includes the following responsibilities, but not limited to: Assist Sales staff harvest existing database through dynamic data searches Use Social Media to promote individuals branding Review and strategize potential deployments based off individual's data Ensure project control and communication of projects. Provide weekly status reports on project goals and completion. Coordinates execution of marketing plans to achieve marketing objectives. Ensure proper communication during network interruptions/resolutions. Partner with the team lead and Director of Marketing on strategy and execution on internal marketing program and projects Update Marketing systems to reflect sales branding Running individual meetings with select Sales staff Assess current process and look for opportunities for efficiencies Other projects and assignments as needed Oversees day to day tasks of Marketing strategic plan Conducts bi-weekly meetings and is accountable to update internal reporting systems Make timely updates to internal reporting systems QUALIFICATIONS AND EXPERIENCE: Bachelor's degree in Communications, Marketing, Business, etc. or equivalent experience Extreme attention to detail. Ability to manage multiple projects at the same time with concurrent deliverables. Proficient in Microsoft suite of product; Outlook, Word, Excel, PowerPoint etc. Ability to work in a fast-paced fluid environment. Excellent communication skills both written and verbal. High level of integrity. Interpersonal Skills. NOT REQUIRED BUT NICE TO HAVE: Experience in the mortgage industry. Experience in Adobe Creative Suite: Photoshop, Illustrator, InDesign, Flash. Experience in working with a CRM, Social CRM and SEO systems SUPERVISORY RESPONSIBILITIES: Direct Reports: N/A PHYSICAL and ENVIRONMENTAL CONDITIONS: This role operates in an ADA compliant office environment, utilizing typical office equipment and tasks including computer work. The position may involve partial stationary positions and moving throughout the day. Flexibility to work overtime to meet project deadlines is required. CMG pays a competitive base which ranges from $21.50 - $31.25 per hour. Factors that affect base salary may include: Marketing experience, overall knowledge of mortgage industry, number of years worked in mortgage industry, computer skills, customer service experience specific to working with mortgage lenders, and education. CMG Financial is an equal opportunity employer and does not unlawfully discriminate in employment decisions. CMG will consider all qualified applicants without regard to race, religion, national origin, sex, age, veteran status, disability, familial status, marital status, actual or perceived sexual orientation, or actual or perceived gender identity. Applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of CMG Financial or reach out to [email protected]. CMG MORTGAGE, INC. NMLS #1820 If you are a recruiter or placement agency, please do not submit resumes to any person or email address at CMG Financial prior to having a signed agreement . CMG Financial is not liable for and will not pay placement fees for candidates submitted by any agency other than its approved recruitment partners. Furthermore, any resumes sent to us without an agreement in place will be considered your company's gift to CMG Financial and may be forwarded to our recruiters for their attention.

Job Title: Legal Assistant Department: Executive Team Reports to: General Counsel FLSA Status: Non-Exempt is an in-office role within our Roseville, CA Office Summary: The Legal Assistant plays a vital role within the APM Legal Department and is responsible for the efficiency and effectiveness of APM's day-to-day legal operations. The Legal Assistant supports General Counsel by preparing and organizing legal documents and correspondences, conducting internal document searches and investigations, organizing and scheduling meetings, prioritizing legal projects, assisting in corporate governance and enhancing the overall productivity and quality of the legal work performed by the APM Legal Department. Essential Duties & Responsibilities: Document Preparation & Review: Draft, review, and format legal documents, including legal correspondence and contracts. Administrative Support: Provide administrative support to APM's General Counsel, including managing calendars, scheduling meetings, coordinating travel, and preparing legal correspondence. File Management: Maintain and organize physical and electronic legal files for legal proceedings and internal matters, ensuring that all relevant information is properly collected and maintained. Ensure all files are current and compliant with legal standards. Client & Lender Interaction: Serve as the primary internal and external point of contact for the APM Legal Department. Compliance: Assist General Counsel in oversight of compliance with mortgage lending and related laws. Assist General Counsel with matters involving state and federal business law, including wage and hour, labor and employment, unfair/deceptive business practices, contracts, insurance and benefits, etc. Civil Court/Administrative Support: Work with General Counsel and outside legal services providers to prepare and respond to legal matters, including civil discovery and the various documents filed in litigation and administrative proceedings. Trial Preparation: Support General Counsel in internal investigatory and civil legal matters by gathering and organizing relevant documents, conducting email and other internal document searches, coordinating with witnesses, etc. Corporate Governance: Gather, organize and maintain confidential corporate records, draft and maintain key corporate documents, such as non-disclosure agreements and corporate resolutions, attend and take minutes at all quarterly meetings of the APM Board of Directors, interact with the trustee(s) of APM's Employee Stock Ownership Program (ESOP), manage matters related to APM stock ownership, sale, repurchase and/or transfer, interact and engage with corporate Executive Leadership and the APM Board of Directors on all matters related to corporate governance. Due Diligence: Collect and organize confidential corporate information for production to counterparties in connection with key transactional matters, such as mergers and acquisitions, asset sales, private equity agreements, etc. Other duties as assigned. Supervisory Responsibilities: None Qualifications: To perform this job successfully, the employee must be able to perform all essential job duties. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Competencies: To perform the job successfully, an individual should demonstrate the following competencies: Interpersonal Skills - Commitment to use of video meetings and phone calls (as opposed to email) whenever possible to build relationships with corporate staff and APM branches. A customer service mindset, the ability to set and manage priorities and the ability to maintain confidentiality are essential job duties. Problem Solving - The Legal Assistant must be analytical, evaluative, and problem-solving, and should be able to identify and resolve problems promptly; gather and analyze information; develop alternative solutions; work well in group problem-solving situations; use reason when dealing with emotional topics or people. Detail Oriented - This position requires attention to detail and strong organizational skills Oral Communication - The Legal Assistant should be able to present ideas in a business and user-friendly way; use plain language and make positive/confident presentations; listen well; ask questions and otherwise actively participate in work meetings. Written Communication - This position requires the ability to write clearly and informatively; edit work for spelling and grammar; present data effectively and carefully; read and interpret written information provided by General Counsel and other co-workers. Teamwork - The Legal Assistant must be a team player; work well in collaborative environment; make a positive contribution to APM's work culture.. Attendance/Punctuality - The Legal Assistant must report to work on time; ensure essential work responsibilities are covered when absent. Dependability - This position requires the ability and willingness to follow specific instructions and direction; ownership of mistakes/errors as they occur; ability to manage multiple priorities and meet deadlines; ability to complete tasks on time; willingness to ask for assistance when necessary to complete a task. Initiative - The Legal Assistant should be self-motivated and directed; willing to assist co-workers in other departments when needed; willing to cross-train in other roles, willing to accept increased responsibilities and other forms of personal development. Innovation - APM encourages original thinking and creativity. The Legal Assistant must embrace the Kaizen model, i.e., willingness to express ideas to improve quality and efficiency within in the Legal Department and other aspects of APM's business operations. Education & Experience: 2-3 years as a legal assistant, paralegal or similar legal administrative professional in a corporate legal department. Experience in the mortgage industry is preferred. An associate degree in paralegal studies or a related legal field preferred. A paralegal certificate is a plus. Skills: Language Skills: Ability to read and interpret documents and write routine correspondence. Ability to speak effectively with customers/vendors or other employees. Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Computer Skills: Proficient in Microsoft Office Suite and other software such as DocuSign, etc. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop. The position will be mostly sedentary and require constant repetitive movements. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level and temperature in the work environment is usually moderate. This does not promise or imply that the functions listed are the only duties to be performed or that the position may not change or be eliminated. The Company has reviewed this job description to ensure that essential functions and basic duties have been included. It is intended to provide guidelines for job expectations and the employee's ability to perform the position described. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills, and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and the Company reserves the right to change this position description and/or assign tasks for the employee to perform, as the Company may deem appropriate.

Mason-McDuffie Mortgage is an established Mortgage Banker with offices throughout the US including CA, NV, VA, MD, and HI. Originally founded in 1887, Mason-McDuffie Mortgage has evolved with the changing times and embraced technological advancements to facilitate growth while remaining steadfast in our commitment to unparalleled service to our Loan Originators. Our core Management Team have over a century of combined experience and know how to take advantage of today's opportunities to expand and remain profitable. Ranked in the top 100 Mortgage companies in the U.S., by Mortgage Daily AND was also ranked in the top 75 in the San Francisco Bay Area Top Workplaces by the Bay Area News Group. Job Description We have an immediate opening for an experienced Loan Officer's to add to our growing presence in the Orange County, CA area. If you are a mortgage professional who excels in providing hands-on customer service and loves being part of a team, this position is for you. Must have minimum experience of 2 years originating conventional and government loans. Candidate must have strong industry knowledge and exhibit strong technical skills. We stand behind you with a full range of benefits and a competitive compensation plan, comprehensive training and support. We will put you in the best position to succeed. Additional Information All your information will be kept confidential according to EEO guidelines.

Job Title: Business Analyst Department: Information Services Reports to: LOS Business Manager FLSA Status: Non-Exempt Prepared By : Human Resources Prepared Date : March 4, 2025 The Business Analyst will be a liaison among stakeholders in order to understand the structure, policies, and operations of an organization, and to recommend solutions that enable the organization to achieve its goals. The Business Analyst will become a bridge between the business problems and the solutions. Business problems can be anything about business systems, for example the model, process, or method. The Business Analyst is required to analyze, transform and ultimately resolve the business problems with the help of process re-engineering and/or technology solutions. This position will report into the Information Services Department. Essential Duties & Responsibilities: Translate business problems/issues/needs into functional requirements. Assist with development of technical requirements as applicable. Assist with solution design as applicable. Elicit, analyze and validate requirements through various techniques (data analysis, process analysis, prototyping, use cases, business rules definition, etc.) Document requirements according to standards, achieve consensus and obtain sign-off from key stakeholders Define the data input, processing/enrichment and output requirements associated with system and data interfaces needed to satisfy the business requirements. Analyze the actual data, identify/communicate data quality issues and work with other teams as needed to resolve them. Assist with development, testing and production support efforts as needed. Providing requirements knowledge and subject matter expertise to the teams performing these functions Manage requirement changes via a change control process Identify, communicate and resolve issues and risks as they arise anywhere in the end to end process Continuously improve subject matter expertise in the business areas being supported, sufficient to become a trusted advisor to the business stakeholders. Other duties as assigned by management Supervisory Responsibilities: None Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must have extremely strong interpersonal skills to drive collaboration and consensus across multiple business and technology functions Analytical and critical thinking skills are necessary to assist with problem resolution and possible solution recommendations Ability to communicate in a clear, friendly manner, both written and verbal; excellent interpersonal, oral and written communications skills. Ability to work well in a team environment A self-starter; Must work productively with minimal direction Keen attention to detail Strong organizational skills and ability to multi-task; Must learn quickly and produce under pressure against tight deadlines Experience in gathering requirements and documenting business processes; Must be able to create detailed requirements documentation Experience in facilitating evaluation of business requirements for business application integration, service activation, delivering new or modified software systems enhancements. Experience performing within the System Development Life Cycle (SDLC). Proficient in MS Office including MS Word, MS Excel, MS PowerPoint and MS Visio Must have extremely strong listening, requirements elicitation, analysis and problem solving skills 5+ years of residential mortgage financial industry experience is required Experience working on projects encompassing both IT systems and business process change is a must Minimum 2 years' experience in business process, data analysis, requirements resolution, documentation, validation and change control processes Certified Business Analyst Professional (CBAP ) Experience with SSMS / SQL data querying and analysis skills Experience with Encompass 360-Banker's Edition Experience with CRM (Total Expert) Experience with Windows 7 and 10 Desired Skills Certified Business Analyst Professional (CBAP ) Experience with SSMS / SQL data querying and analysis skills Experience with Azure DevOps Experiencing leading JAD sessions Mortgage experience, specifically in customer acquisition, lead management, loan origination (retail, wholesale, TPO, Correspondent, mini-correspondent) and/or portfolio retention desired Competencies: To perform the job successfully, an individual should demonstrate the following competencies: Problem Solving -Analytical, evaluative, and problem-solving. Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics. Detail Oriented - Keen attention to detail Interpersonal Skills -Ability to set and manage priorities judiciously Maintains confidentiality; keeps emotions under control. Oral Communication - Ability to present ideas in business-friendly and user-friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings. Written Communication - Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information. Teamwork - Ability to work in a team-oriented, collaborative environment. Contributes to building a positive team spirit. Attendance/Punctuality - Is consistently at work and on time, ensures work responsibilities are covered when absent. Dependability - Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; complete tasks on time or notifies appropriate person with an alternate plan. Initiative - Exceptionally self-motivated and directed. Volunteers readily; undertakes self-development activities; seeks increased responsibilities. Innovation - Displays original thinking and creativity; generates suggestions for improving work. Education & Experience: The ideal candidate will have at least five years of experience in residential mortgage lending industry. Strong coordination, organization, teaming, and communication abilities Works well individually or in a group setting Ability to manage time and priorities. Ability to work under pressure and time constraints. Ability to analyze an issue and determine best approach for a solution. General experience and understanding of the following products: Encompass 360 - Banker's Edition CRM (Total Expert) Fannie Mae / Freddie Mac Experience with prior business applications, workflows, user access management (new hires, terminations, role changes etc.) including security access in the mortgage industry Excellent interpersonal communication skills Customer Service - the ability to provide and maintain effective and positive communication Adaptability - an ability to quickly learn new or different techniques, products, and computer programs Problem Solving - an ability to effectively analyze and resolve problems at a functional level This person must live our culture every day! (Respect, Transparency, Scrappy) Other duties as assigned Skills : Language Skills : Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees. Mathematical Skills : Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability : Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation. Computer Skills : Sound working knowledge of computer and office software operations and systems. Physical Demands : The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop. Work Environment : The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level and temperature in the work environment is usually moderate.

IS Project Coordinator Hourly Pay is based on experience. in Roseville, CA We are seeking a motivated and detail-oriented individual to join our team as an IS Project Coordinator. In this role, you will be responsible for coordinating meetings and services to support our branch facilities throughout their lifecycle. Serving as a designated point of contact for project-related tasks, you will oversee completion of assigned tasks, billing, allocations, and financial support, manage outside vendors, and provide exceptional customer support in a fast-paced and dynamic environment. Responsibilities: Coordinate meetings and services required to support branch facilities, ensuring seamless project execution and timely completion of assigned tasks. Act as one of the key points of contact for project-related tasks, executing on the assigned tasks, providing status updates and system entry notes, and tracking progress to ensure milestones are met. Handle billing, allocations, and financial support set up and questions. Manage relationships with external vendors, ensuring compliance with contractual agreements and service level expectations. Provide superior customer support, promptly addressing inquiries and resolving issues to maintain high levels of satisfaction. Maintain accurate documentation of project activities, including meeting minutes, action items, and project plans. Updating systems with branch related information, asset tracking, etc. Collaborate with internal stakeholders to identify project requirements, risks, and opportunities for improvement. Adapt to changing priorities and deadlines, demonstrating flexibility and resourcefulness in addressing challenges. Proactively identify and implement process improvements to streamline project coordination and enhance efficiency, including defining systems changes to support the processes. Communicate effectively with team members and stakeholders to provide regular updates on project status and progress. Qualifications: Previous experience in project coordination or administrative roles, preferably in a technical environment. Strong organizational skills and attention to detail, with the ability to manage multiple tasks simultaneously. Critical thinking skills and business analysis skills, to assist with improvement of systems and processes. Excellent communication and interpersonal skills, with the ability to build rapport with stakeholders at all levels. Proficiency in Microsoft Office Suite and Excel (Smartsheet desired) Experience managing vendors, contracts, and financial documentation and billing practices, desired. Ability to work effectively in a team environment, fostering collaboration and cooperation among team members. Proactive problem-solving skills, with the ability to anticipate issues and develop effective solutions. Adaptability and resilience in navigating through ambiguity and changing priorities. Commitment to delivering high-quality results and exceeding expectations.

Job Title: Non-QM Deal Desk Associate Department: Sales / Operations Reports To: Non-QM Product Manager or Director of Sales FLSA Status: Non-Exempt The Non-QM Deal Desk Associate serves as a key liaison between account executives, loan officers, and underwriting to provide scenario structuring, pricing guidance, and policy interpretation on Non-Qualified Mortgage (Non-QM) loans. This role is responsible for supporting the growth of the Non-QM pipeline by offering responsive, expert-level guidance to internal and external stakeholders. Key Responsibilities: Analyze and structure loan scenarios based on Non-QM guidelines and investor overlays. Provide pricing quotes and exceptions using internal pricing engines and tools. Communicate with Account Executives, Brokers, and Correspondents to help them understand Non-QM product eligibility and loan structuring options. Respond promptly to scenario and guideline inquiries via phone, email, or CRM. Work closely with underwriting to clarify or escalate unique or complex scenarios. Maintain up-to-date knowledge of company Non-QM programs, investor guidelines, and industry trends. Identify and escalate potential risks, guideline gaps, or market shifts to product management. Track and report on pipeline activity, scenario volume, and trends for management insights. Assist in updating and maintaining product matrices, scenario calculators, and internal guides. Support training initiatives by contributing to FAQs, training decks, and knowledge bases. Qualifications: 2+ years of mortgage experience, preferably in a Non-QM or deal desk role. Strong understanding of Non-QM loan products (bank statement, DSCR, asset depletion, etc.). Familiarity with AUS systems (DU, LP) and pricing engines (Optimal Blue, etc.). Excellent communication skills (written and verbal). High attention to detail and strong organizational skills. Ability to work under pressure in a fast-paced environment. Strong problem-solving and analytical thinking skills. Proficiency in MS Office (Excel, Word, Outlook); CRM and LOS system experience a plus. Preferred Qualifications: Experience working at a wholesale or correspondent mortgage lender. Exposure to multiple Non-QM investors and guideline sets. Bachelor's degree in Business, Finance, or related field (preferred but not required).

is a Hybrid Role. The Condo Review Specialist is responsible for reviewing documentation in detail for all new and existing condominium projects to ensure compliance with internal policies and procedures as well as the requirements of Fannie Mae and Freddie Mac credit policies. Essential Job Functions: Ensure condominiums projects are reviewed accurately and promptly. Ensure condominiums meet Agency and Investor Guidelines Determine eligibility of a project by review of Project Questionnaire, Appraisals, Budgets and financial statements/1120S, Bylaws, Covenants, Conditions & Restrictions- CC&R's Insurance Declarations, Leasehold Agreements, HOA minutes, Inspections and other documentation as required Communicate project status (approval, suspense, denial) to all appropriate parties. Ensure data accuracy. Deliver excellent customer service to Sales and Operations staff. The Condo Review Specialist will also complete other miscellaneous credit related duties as assigned by the Credit Admin Supervisor Maintain regular and punctual attendance. Essential Duties and Responsibilities: Demonstrate mastery of condo project requirements . Communicate to both internal and external contacts clearly and concisely. Respond to elevated items quickly and work with Managers to expedite resolution. Collaborate with operations as needed to resolve problems and questions timely. Provide timely reports as needed or requested. Adhere to service level agreements while working in a high volume environment. Teamwork oriented, detailed and exceptional customer service. Pipeline Management experience required. Residential Mortgage Credit Underwriting experience a plus. Proficient with Microsoft office suite. Performs other related duties as assigned. Supervisory Responsibilities: No supervisory responsibilities. Qualifications: Three to five years of related mortgage credit guidelines, policies, and procedures including Project Reviews Knowledge of FNMA & Freddie Mac condo underwriting guidelines. Knowledge of Investor and MI company guidelines. Ability to differentiate between new and established projects. Knowledge of Fannie Mae CPM and Freddie Mac CPA Knowledge of FHA project requirements preferred Experience with Non QM project review preferred Education: High School Diploma or equivalent Language Skills: Individual must have the ability to read and interpret borrower documentation, company policies, procedures, guidelines, reports and legal documents. Mathematical Skills: Candidate must be able to use a calculator. Also have the ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Also have the ability to compute rate, ratio, and percent. Reasoning Ability: Individual must have the ability to define problems, collect pertinent information, determine the facts, and draw valid conclusions. essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms.

We are looking for a highly experienced and motivated Senior Loan Officer to join our dynamic team. The ideal candidate will have a strong background in financial services, particularly in loan origination, underwriting, and client relationship management. As a Senior Loan Officer, you will be responsible for evaluating, authorizing, or recommending approval of commercial, real estate, or credit loans. You will also be tasked with developing and maintaining relationships with clients, ensuring their financial needs are met with the highest level of service. Your role will involve analyzing complex financial data, assessing creditworthiness, and ensuring compliance with all regulatory requirements. You will work closely with other financial professionals to structure loan packages that meet the needs of both the client and the institution. Additionally, you will be expected to stay current with market trends and regulatory changes to provide the best possible advice and service to clients. This position requires excellent analytical skills, attention to detail, and the ability to communicate effectively with clients and colleagues. If you are a proactive, results-driven professional with a passion for finance and customer service, we would love to hear from you. Responsibilities Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Develop and maintain relationships with clients to understand their financial needs. Analyze complex financial data and assess creditworthiness. Ensure compliance with all regulatory requirements. Work closely with other financial professionals to structure loan packages. Stay current with market trends and regulatory changes. Provide the best possible advice and service to clients. Prepare detailed loan proposals and presentations. Monitor loan portfolios and manage risk. Negotiate loan terms and conditions with clients. Assist in the development of loan policies and procedures. Train and mentor junior loan officers. Participate in community events to promote the institution's services. Handle customer inquiries and resolve issues promptly. Maintain accurate records and documentation. Conduct periodic reviews of existing loans. Collaborate with the marketing team to develop promotional strategies. Ensure timely processing and closing of loans. Prepare and present reports to senior management. Identify opportunities for cross-selling other financial products. Requirements Bachelor's degree in Finance, Business, or related field. Minimum of 5 years of experience in loan origination or underwriting. Strong understanding of financial services and loan processes. Excellent analytical and problem-solving skills. Proven ability to assess creditworthiness and manage risk. Strong communication and interpersonal skills. Ability to work independently and as part of a team. Detail-oriented with strong organizational skills. Proficiency in financial software and Microsoft Office Suite. Knowledge of regulatory requirements and compliance. Ability to develop and maintain client relationships. Strong negotiation skills. Experience in preparing loan proposals and presentations. Ability to stay current with market trends and regulatory changes. Proven track record of meeting or exceeding targets. Ability to handle multiple tasks and prioritize effectively. Strong ethical standards and integrity. Experience in training and mentoring junior staff. Ability to work under pressure and meet deadlines. Willingness to participate in community events and activities.

Responsibilities The following lists the responsibilities of the Post Close Audit Lead and Deficiency Desk 1. Monitor and follow up on any deficiencies with the Audit Deficiency Desk 2. Work closely with other department/teams on solutions to loan deficiencies 3. Participate in the Bi-Weekly Deficiency Desk Meeting 4. Provide Feedback to Post-Close Audit Supervisor and of any trends Skills The following skills are required for this position: Must be able to effectively and positively communicate with branch offices, closing agents, investors and co-workers. a) Commitment to company values, policies and procedures. b) Effectively analyze and resolve problems at a functional level with branch offices, closing agents, underwriting, compliance and all other co-workers. c) Quickly learn new of different techniques, products and computer programs. d) Self-starter needing little to no supervision. Experience Utilize required software packages, including but not limited to; POS system, Imaging system, Word, Excel, Internet, Investor Websites and Warehouse Websites. Knowledge of general mortgage industry guidelines as well as standard loan documentation.

Job Title: Capital Markets Operations Analyst Department: Capital Marketing Reports to: Rona Basa FLSA Status: Non-Exempt Prepared By : Human Resources Prepared Date : October 30, 2025 Summary: The Capital Markets Operations Analyst is responsible for managing the administrative and operational processes associated with Ginnie Mae (GNMA) pooling, investor delivery, collateral tracking, and final document completion. This role ensures timely certification, accurate custodial submissions, and full compliance with investor and agency requirements. This position ensures the integrity of mortgage-backed securities by overseeing the accurate delivery and certification of collateral and final documents. It plays a vital role in investor compliance, liquidity management, and the organization's ability to maintain GNMA eligibility and operational excellence. Essential Duties & Responsibilities: Track and manage receipt of final recorded documents including mortgages, assignments and title policies. Review final documents for accuracy, completeness, and compliance with GNMA, agency, and investor requirements. Identify and resolve document deficiencies by coordinating with title companies, settlement agents, and custodial partners. Prepare and maintain exception reports for outstanding final documents, ensuring all missing or defective documents are cured within required timelines. Monitor loan-level delivery statuses and follow up on outstanding certifications or rejections from custodians or investors. Perform data integrity checks prior to final investor submission. Assist with ongoing GNMA compliance reporting and administrative requests. Serve as a liaison between capital markets, post-closing, servicing, custodians, and regulatory agencies. Supervisory Responsibilities: None Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Competencies: To perform the job successfully, an individual should demonstrate the following competencies: Problem Solving -Analytical, evaluative, and problem-solving. Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics. Detail Oriented - Detail-oriented with strong organizational skills and ability to manage tight deadlines. Interpersonal Skills -Ability to set and manage priorities judiciously Maintains confidentiality; keeps emotions under control. Oral Communication - Ability to present ideas in business-friendly and user-friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings. Written Communication - Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information. Teamwork - Ability to work in a team-oriented, collaborative environment. Contributes to building a positive team spirit. Attendance/Punctuality - Is consistently at work and on time, ensures work responsibilities are covered when absent. Dependability - Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; complete tasks on time or notifies appropriate person with an alternate plan. Initiative - Exceptionally self-motivated and directed. Volunteers readily; undertakes self-development activities; seeks increased responsibilities. Innovation - Displays original thinking and creativity; generates suggestions for improving work. Education & Experience: 2 plus years of experience in mortgage banking, secondary marketing, loan delivery, or capital markets operations Experience in post-closing or final docs functions Extensive understanding of GNMA operational workflows. Advanced Excel and data analysis skills; ability to manipulate large datasets and generate financial reporting. Skills : Language Skills : Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees. Cross functional collaboration ability. Mathematical Skills : Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability : Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation. Computer Skills : Sound working knowledge of computer and office software operations and systems. Advanced level of Microsoft Excel Physical Demands : The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop. Work Environment : The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level and temperature in the work environment is usually moderate. This job description does not promise or imply that the functions listed are the only duties to be performed or that the position may not change or be eliminated.

The RED Team Specialist is part of the Retail Elevation Department (“RED Team”) and will be responsible for providing best in class customer service, business and administrative support to CMG Financial and any Partner Companies. The team acts as a concierge desk for employees and is the central point of contact for many internal processes, procedures and systems concurrently. This includes the coordination and support onboarding and transitioning new hires and branch locations. In addition, the RED Team Specialist will provide ongoing support to all employees, manage multiple internal processes, act as administrator to multiple systems, and be the first point of contact for many day-to-day business operations matters and provide immediate support for the entire organization. ESSENTIAL DUTIES AND RESPONSIBILITIES, includes the following responsibilities but not limited to: Acts as the concierge desk to the Retail and JV Channels Is the CMG Expert and central point of contact to employees, departments, processes and procedures under one umbrella Manages incoming/outgoing communications within the RED Team Inbox and dedicated hotline Provides ongoing support system for all employees Acts as third party administrators for multiple systems Works within the Loan Origination System (LOS) and other systems processing various requests and continually referencing and following company guidelines and rules before fulfilling requests Maintains internal and external team materials and upholds the processes and procedures as requested by management Assists with the Onboarding Team with any and all onboarding tasks and act as an initial point of contact for the new employees Coordinate with all departments to ensure all employees have what they need and questions are answered Works closely with the RED Team Supervisor, Head of Support Services, Corporate Operations and SVP, Corporate Operations on operational needs for new and existing retail branches Works as a Liaison between Retail and all other CMG departments Works on various new projects and assignments from upper management as requested both inside and outside the Retail Lending Channel Perform Marketing set ups for all new hires and be able to respond to basic inquiries Ensure proper follow ups are completed to all new hires on a timely manner Provides extraordinary customer service and immediate support to the entire Retail Channel Follow up on outstanding issues and deftly respond to unexcepted situations Able to follow, accommodate and adjust to team's general rules Some (minimal) nationwide travel might be required Maintain in good standing all Compliance courses assign by the company QUALIFICATIONS AND EXPERIENCE: 5+ years of previous mortgage experience required. Previous administrative support and customer service experience preferred. Proficient in Microsoft suite of products; Outlook, Word, Excel, PowerPoint etc. Excellent communication skills both written and verbal. High level of integrity and confidentiality required. Strong organizational and time-management skills Analytical problem solver and self-starter Strong technical knowledge in the use of software applications, databases, spreadsheets Acute attention to detail and ability to work on complex projects with general direction and minimal guidance Ability and flexibility to work in a fast-paced fluid environment with a diversity of individuals at all organizational levels High level of professionalism, and excellent time management and organizational ability Ability to multitask and meet constant deadlines in a fast pace environment High level of integrity and confidentiality required SUPERVISORY RESPONSIBILITIES: Direct Reports: N/A PHYSICAL and ENVIRONMENTAL CONDITIONS: This role operates in an ADA compliant office environment, utilizing typical office equipment and tasks including computer work. The position may involve partial stationary positions and moving throughout the day. Flexibility to work overtime to meet project deadlines is required. Base Compensation Information - This is a remote role that can be performed from within the United States. The salary range for the position is $60,000 to $65,000 annually. Factors that affect the base are overall knowledge of mortgage industry, number of years worked in mortgage industry, computer skills, customer service experience specific to working with new employees and loan officers. CMG Financial is an equal opportunity employer and does not unlawfully discriminate in employment decisions. CMG will consider all qualified applicants without regard to race, religion, national origin, sex, age, veteran status, disability, familial status, marital status, actual or perceived sexual orientation, or actual or perceived gender identity. Applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of CMG Financial or reach out to [email protected]. CMG MORTGAGE, INC. NMLS #1820 If you are a recruiter or placement agency, please do not submit resumes to any person or email address at CMG Financial prior to having a signed agreement . CMG Financial is not liable for and will not pay placement fees for candidates submitted by any agency other than its approved recruitment partners. Furthermore, any resumes sent to us without an agreement in place will be considered your company's gift to CMG Financial and may be forwarded to our recruiters for their attention.

This role is Local In-Office or Hybrid Job Title: Non-QM Underwriting Manager Department: Operations FLSA Status: Exempt The Non-QM Underwriting Manager oversees the underwriting team responsible for reviewing and approving Non-Qualified Mortgage (Non-QM) loans. This role ensures loans meet company guidelines, investor requirements, and regulatory standards while balancing risk management with production goals. The manager provides leadership, training, and quality oversight, ensuring operational efficiency and consistency across all underwriting functions. Essential Duties & Responsibilities: Leadership & Team Management Supervise, mentor, and develop a team of Non-QM underwriters. Set clear performance expectations, monitor productivity, and conduct regular evaluations. Provide ongoing coaching to strengthen decision-making and guideline interpretation. Underwriting Oversight Review complex Non-QM loan files to ensure compliance with program guidelines. Maintain strong knowledge of alternative documentation, bank statement programs, asset utilization, DSCR, and other Non-QM product structures. Ensure consistent and accurate credit, income, and collateral analysis. Process & Quality Control Establish and enforce underwriting policies, procedures, and service-level standards. Partner with operations, sales, and compliance teams to streamline workflows. Monitor quality assurance results and implement corrective actions to reduce risk. Collaboration & Communication Work closely with production leaders and account executives to resolve loan-level challenges. Provide training and support to internal teams and external partners on Non-QM program nuances. Serve as a subject matter expert and escalation point for underwriting decisions. Regulatory & Risk Management Ensure adherence to federal, state, and investor regulations. Monitor industry changes and update guidelines and procedures accordingly. Identify and mitigate risks through proactive oversight and audit readiness. Supervisory Responsibilities: None Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 7+ years of mortgage underwriting experience, including 3-5 years in Non-QM underwriting. Minimum 2 years of leadership or management experience. Expert knowledge of Non-QM products, documentation alternatives, and regulatory requirements. Strong analytical skills with attention to detail and sound credit judgment. Effective leadership, communication, and decision-making skills. DE/SAR/LAPP designations (preferred but not always required). Bachelor's degree in business, finance, or related field (preferred). Competencies: To perform the job successfully, an individual should demonstrate the following competencies: Problem Solving -Analytical, evaluative, and problem-solving. Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics. Detail Oriented - Keen attention to detail Interpersonal Skills -Ability to set and manage priorities judiciously Maintains confidentiality; keeps emotions under control. Oral Communication - Ability to present ideas in business-friendly and user-friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings. Written Communication - Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information. Teamwork - Ability to work in a team-oriented, collaborative environment. Contributes to building a positive team spirit. Attendance/Punctuality - Is consistently at work and on time, ensures work responsibilities are covered when absent. Dependability - Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; complete tasks on time or notifies appropriate person with an alternate plan. Initiative - Exceptionally self-motivated and directed. Volunteers readily; undertakes self-development activities; seeks increased responsibilities. Innovation - Displays original thinking and creativity; generates suggestions for improving work. Education & Experience: • Commitment to company values, policies, and procedures. • Excellent interpersonal communication skills. • Customer Service - the ability to provide and maintain effective and positive communication. • Adaptability - an ability to quickly learn new or different techniques, products, and computer programs. • Problem Solving - an ability to effectively analyze and resolve problems at a functional level. • This person must live our culture every day! (Respect, Transparency, Scrappy) • Other duties as assigned. Skills: Language Skills: Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees. Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation. Computer Skills: Sound working knowledge of computer and office software operations and systems. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions The noise level and temperature in the work environment is usually moderate. This does not promise or imply that the functions listed are the only duties to be performed or that the position may not change or be eliminated. The Company has reviewed this job description to ensure that essential functions and basic duties have been included. It is intended to provide guidelines for job expectations and the employee's ability to perform the position described. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills, and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and the Company reserves the right to change this position description and/or assign tasks for the employee to perform, as the Company may deem appropriate.

IS LOCATED IN SANDY, UTAH. THIS IS AN IN-OFFICE POSITION. The Closer/Funder is responsible for ensuring the accurate and timely production of closing documents, reviewing executed documents for compliance with investor guidelines, and preparing the necessary paperwork for loan funding. This role also provides high-quality customer service to APM branch offices, closing agents, investors, warehouse banks, and internal departments. Essential Duties & Responsibilities: Perform daily document drawing and funding functions as required. Problem solve during the document drawing and funding process, collaborating with branches, investors, closing agents, warehouse banks, and settlement agents. Assist in resolving errors identified by Post Closing or investors. Provide quality customer service to branch offices, closing agents, and departments through various communication channels, including phone, email, and in person. Wire loans for funding on a daily basis. Other duties and responsibilities as needed to meet business demands. Supervisory Responsibilities: None Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Competencies: To perform the job successfully, an individual should demonstrate the following competencies: Problem Solving -Analytical, evaluative, and problem-solving. Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics. Detail Oriented - Keen attention to detail Interpersonal Skills -Ability to set and manage priorities judiciously Maintains confidentiality; keeps emotions under control. Oral Communication - Ability to present ideas in business-friendly and user-friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings. Written Communication - Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information. Teamwork - Ability to work in a team-oriented, collaborative environment. Contributes to building a positive team spirit. Attendance/Punctuality - Is consistently at work and on time, ensures work responsibilities are covered when absent. Dependability - Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; complete tasks on time or notifies appropriate person with an alternate plan. Initiative - Exceptionally self-motivated and directed. Volunteers readily; undertakes self-development activities; seeks increased responsibilities. Innovation - Displays original thinking and creativity; generates suggestions for improving work. Education & Experience: · High school diploma or equivalent required; some college coursework or degree preferred. · Minimum of 2 years of experience in mortgage loan closing, funding, or a related role within the mortgage industry. · Strong knowledge of mortgage loan documentation, investor guidelines, and compliance requirements. · Proficiency in mortgage software systems, including Mortgage Builder, Point, and Doc Magic. · Excellent problem-solving skills and attention to detail. · Effective communication skills and the ability to work in a fast-paced environment. · Strong customer service orientation and ability to work collaboratively with branch offices, closing agents, and other departments. Skills: Language Skills: Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees. Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation. Computer Skills: Sound working knowledge of computer and office software operations and systems. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level and temperature in the work environment is usually moderate. This job description does not promise or imply that the functions listed are the only duties

Summary: The Capital Markets Specialist 3 is responsible for reconciling investor purchase advice, filing and monitoring claims with investors and insurance carriers, and tracking the receipt of claims. This role involves assisting with filing claims for loans with manufacturing defects and acting as a liaison with indemnification and repurchase insurance carriers. Essential Duties & Responsibilities: · Reconcile daily investor purchase advices. · Identify, research, and determine reasons for purchase advice discrepancies. · File claims with investors in a timely manner to ensure that money owed to the company is collected. · Monitor receipt of investor claims and create daily monitoring reports. · Assist the EVP in filing claims with indemnification and repurchase insurance carriers for loans with defects. · Act as a liaison with indemnification and repurchase insurance carriers on claims. · Administer and monitor insurance claims. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Competencies: To perform the job successfully, an individual should demonstrate the following competencies: Problem Solving -Analytical, evaluative, and problem-solving. Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics. Detail Oriented - Keen attention to detail Interpersonal Skills -Ability to set and manage priorities judiciously Maintains confidentiality; keeps emotions under control. Oral Communication - Ability to present ideas in business-friendly and user-friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings. Written Communication - Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information. Teamwork - Ability to work in a team-oriented, collaborative environment. Contributes to building a positive team spirit. Attendance/Punctuality - Is consistently at work and on time, ensures work responsibilities are covered when absent. Dependability - Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; complete tasks on time or notifies appropriate person with an alternate plan. Initiative - Exceptionally self-motivated and directed. Volunteers readily; undertakes self-development activities; seeks increased responsibilities. Innovation - Displays original thinking and creativity; generates suggestions for improving work. Education & Experience: · Computer literate with strong Excel skills. · Ability to function efficiently in a high-stress environment. · Familiarity with insurance environments. · Customer-service oriented with good mathematical skills. · Commitment to company values, policies, and procedures. · Excellent interpersonal communication skills. · Adaptability - ability to quickly learn new techniques, products, and computer programs. · Problem-solving - ability to effectively analyze and resolve problems at a functional level. · Must embody company culture (Respect, Transparency, Scrappy). Skills: Language Skills: Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees. Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation. Computer Skills: Sound working knowledge of computer and office software operations and systems. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level and temperature in the work environment is usually moderate.

Mason-McDuffie Mortgage is an established Mortgage Banker with offices throughout the US including CA, NV, VA, MD, and HI. Originally founded in 1887, Mason-McDuffie Mortgage has evolved with the changing times and embraced technological advancements to facilitate growth while remaining steadfast in our commitment to unparalleled service to our Loan Originators. Our core Management Team have over a century of combined experience and know how to take advantage of today's opportunities to expand and remain profitable. Ranked in the top 100 Mortgage companies in the U.S., by Mortgage Daily AND was also ranked in the top 75 in the San Francisco Bay Area Top Workplaces by the Bay Area News Group. Job Description We have an immediate opening for an experienced Loan Officer's to add to our growing presence in the Orange County, CA area. If you are a mortgage professional who excels in providing hands-on customer service and loves being part of a team, this position is for you. Must have minimum experience of 2 years originating conventional and government loans. Candidate must have strong industry knowledge and exhibit strong technical skills. We stand behind you with a full range of benefits and a competitive compensation plan, comprehensive training and support. We will put you in the best position to succeed. Additional Information All your information will be kept confidential according to EEO guidelines.