Processor jobs in Seabrook, TX

Role: Serve as liaison between loan department, credit union employees and members. Provide information on loan types and credit union products to members and fellow employees. Communicate externally with dealer representatives and third party sellers to obtain loan documentation required for funding. Essential Functions & Responsibilities: Ensure all loan applications are completed with accuracy, and member verified before funding. Properly verify all stipulations such as proof of income, and residence accordingly Ensure all documents sent through Signix are signed by member before funding. Fund all loans for assigned Loan Advisors timely, following the Service Level Agreement. Review work queue consistently, follow up on all loans daily to ensure completion. Perform other job duties as assigned. Complete title packages and forward to Title Clerks for lien processing. Performance Measurements: 1. Achieve and maintain QC rating of 96% or higher. 2. Meet SLA for document and funding time on both regular and high priority loans. 3. Complete all required compliance courses assigned by the Credit Union. 4. Maintain NPS score of 70 or higher. Knowledge and Skills: Experience: Three years to five years of similar or related experience. Education: A high school education or GED. Must be knowledgeable of Bank Secrecy Act and Anti-Money Laundering regulations and requirements. Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication. Other Skills Basic knowledge in Word, EXCEL, Outlook and office related applications. Must possess excellent verbal communication skills. Must have a proactive attitude toward members, supervisors, co-workers and the credit union. Ability to handle multiple projects simultaneously and work with limited supervision, exercising own initiative and judgment. Physical Requirements: While performing the duties of the job, the employee is regularly required to: Position self to move about the work area Reach, grab, sort Communicate in person and via telephone with others Identify and recognize small font communication Ability to transport a minimum of 10 pounds

CEVA Logistics provides global supply chain solutions to connect people, products, and providers all around the world. Present in 170+ countries and with more than 110,000 employees spread over 1,500 sites, we are proud to be a Top 5 global 3PL. We believe that our employees are the key to our success. We want to engage and empower our diverse, global team to co-create value with our customers through our solutions in contract logistics and air, ocean, ground, and finished vehicle transport. That is why CEVA Logistics offers a dynamic and exceptional work environment that fosters personal growth, innovation, and continuous improvement. DARE TO GROW! Join CEVA Logistics, and you will be part of a team that values imagination and continued learning and is committed to excellence in everything we do. Join us in our mission to shape the future of global logistics. As we continue growing at a fast pace, will you "Dare to Grow" with us? ABOUT CEVA LOGISTICS CEVA Logistics provides global supply chain solutions to connect people, products, and providers worldwide. We are supply chain experts, and our team of approximately 98,000 employees across more than 1,000 facilities in 160 countries makes us one of the largest logistics companies in the world. Through our commitment to excellence, we offer end-to-end, customized solutions in both Contract Logistics and Freight Management. We are seeking Process-Focused Super Users to support the successful deployment and user adoption of Manhattan and Associates WMS and OMS platforms across our network of 3PL warehouse operations. These roles are critical to ensuring operational readiness, system quality, and hands-on training support for each deployment. YOUR ROLE As a Process-Focused Super User, you will serve as the operational subject matter expert during site deployments of Manhattan and Associates WMS and OMS systems. You will coordinate testing, define user workflows, assist with system configuration, and play a key role in both go-live support and post-implementation stabilization. WHAT ARE YOU GOING TO DO? Deployment Support & Execution * Act as a liaison between warehouse operations, implementation engineers, and IT teams. * Coordinate Quality Assurance (QA) and User Acceptance Testing (UAT) for site deployments. * Support testing teams with test scripts, defect management, and execution tracking. * Provide insights into operational workflows to guide system configuration and enhancements. Training & Documentation * Collaborate with Implementation Engineers and Trainers to develop process-specific work instructions and SOPs. * Assist in the creation and delivery of site-specific training materials for warehouse staff. * Provide hands-on training and system walk-throughs to site teams. * Act as a key on-site resource during go-live to troubleshoot and escalate issues as needed. Operational Readiness & Stakeholder Engagement * Partner with local operations teams to ensure alignment between system functionality and business processes. * Identify improvement opportunities and lessons learned from each deployment to inform future rollouts. * Support building and optimizing blueprint for repeatable ongoing deployments. * Serve as a key contact for site managers and customer leads during pre- and post-go-live support. WHAT WE ARE LOOKING FOR? Education & Experience * Bachelor's degree preferred; equivalent experience in warehouse operations or logistics will be considered. * 3-5 years of experience in warehouse operations, logistics systems, or deployment roles. * Hands-on experience with Manhattan (Manhattan Active preferred) WMS and/or OMS systems strongly preferred. * Prior involvement in software testing, training, or site deployment efforts is a plus. Skills & Competencies * Strong understanding of distribution center processes and how they map to Manhattan and Associates WMS functionality. * Excellent communication skills with the ability to translate system behavior into operational impact. * Comfortable leading training sessions and supporting users at all levels. * Ability to travel to warehouse locations for deployment support. * Organized, adaptable, and capable of handling multiple priorities during fast-paced implementations. WHAT DO WE HAVE TO OFFER? * Competitive salary and travel support. * Comprehensive benefits including medical, dental, and vision coverage. * 401(k) with company match. * Paid time off and holidays. * Professional development and career advancement opportunities. Location: Remote / 60 - 75 Travel Required ABOUT TOMORROW At CEVA Logistics, we empower leaders who think big and act boldly. If you're ready to lead one of the most ambitious WMS/OMS deployment programs in the logistics industry, we invite you to bring your expertise and energy to CEVA. Join CEVA for a rewarding career where your vision can shape the future of supply chain. #LI-JS1 CEVA operates in a multicultural, global environment and is a richly diverse organization operating seamlessly as one company. We aim to attract, motivate and retain the best people in our industry, whatever their background. We share the same passion to deliver world-class solutions to our customers. We have the best supply chain professionals in the industry and develop this talent in an inspiring work environment. CEVA Logistics is proud to be an equal opportunity work place and an affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, veteran status or any other characteristic. We are an Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individual with Disabilities. Please note: Legitimate CEVA Logistics recruitment processes include communication with candidates through recognized professional networks, such as LinkedIn or via an official company email address: ************************************. We recommend that you do not respond to unsolicited business propositions and/or offers from people with whom you are unfamiliar. Information provided is true and accurate. False statements or information will result in the application voided. Outstanding benefits for employee and family including multiple health plans(company contribution to health savings account), prescription, dental and vision coverage. Company paid life insurance, accident insurance, short- and long-term disability coverage and employee assistance plan. Voluntary benefits including additional life insurance, AD&D coverage, buy-up short- and long-term disability, critical illness, identify theft & legal plan. 401(k) with company match. Flexible Paid Time Off programs including company paid holidays. Tuition reimbursement program. Nearest Major Market: Houston

ProLending Mortgage, LLC. provides Home Loans for Houston and the surrounding areas of Texas. We're committed and dedicated to making your loan process as easy and simple as possible. If you have any questions or you would like to talk to us about your loan or you're pre-qualification, please contact us today. We're here to help and serve you! Job Description ProLending Mortgage is currently looking for a reliable Loan Processor to perform appraisals of individual loans in Texas. You will undertake an intermediary role between potential clients and our financial institution. The goal is to help qualified applicants obtain loans in a timely manner and protect our organization's credibility. Loan processor duties and responsibilities will include analysis, appraisal and evaluation of loan applicants, as well as writing and finalizing contracts. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Responsibilities • Perform initial appraisal of potential borrowers by thoroughly examining their applications • Assess the credit standings of applicants through background research • Interview applicants to evaluate their eligibility for loan or mortgage • Conclude on all applicable financial and non-financial criteria and develop loan repayment plans • Follow up with clients to clarify important points • Give the “green light” to eligible candidates and report decisions with sound arguments • Finalize loan contracts and keep clients informed in rules and obligations • Remain up to speed regarding lending and other financial services • Identify customer needs, explore all options and suggest different types of loans • Cultivate trustworthy referral networks, suggest alternate channels and cross-sell products and services • Forge trust relationships and enhance customer dedication • Work within established regulations and adhere to law requirements at all times Qualifications Requirements • Proven working experience in a loan processor role, at least 2 years is preferred. • Good knowledge of banking computer software and MS Office • Comprehension of direct/indirect lending procedures • In-depth understanding of relevant rules and regulations • Balance between customer satisfaction orientation and a results driven approach • A degree in finance, economics, or a related field is preferred Additional Information All your information will be kept confidential according to EEO guidelines.

Greetings for the day! My name is Suneetha from Testing Xperts, we are a global staffing, consulting and technology solutions company, offering industry-specific solutions to our fortune 500 clients and worldwide corporations. Thanks & Regards, Suneetha. G *************** EXT 303 (O) *************** (F) Role: Big Data Analytics Process Location: Houston, TX Job Description: · Must Have Skills (Top 2 technical skills only) Minimum 8 years of relevant experience in applying data mining, artificial intelligence, signal processing, machine learning, optimization etc. in business analytics or scientific/engineering settings · Experience with statistical software, scripting languages, tools, and platforms (e.g., R, Python, Hadoop etc.) · Nice to have skills (Top 2 only) A demonstrated ability to solve challenging business problems using a data science approach by developing novel and/or adapting existing computational methods · Strong skills in communicating and presenting data-derived insights to non-technical audiences appropriately. · Desired years of experience : 8+ Years · Education/ Certifications (Required) : Masters or Ph.D. in Mathematics, Statistics, Computer Science, Operations Research, Engineering Science. · Top 3 responsibilities you would expect the subcon to shoulder and execute: 1. Collaborate with business users to identify, elaborate and prioritize Analytics Uses cases. 2. Processing, cleansing, and verifying the integrity of data used for analysis 3. Apply analytical rigor and statistical methods to analyze large amounts of data, using advanced analytics techniques. And, presenting data insights using high impact visualization · Will the candidate be client facing and/or working with business users? Yes · What is the team size, make up, culture, soft skills, and dress code, Hours? The data scientist role will support Information Technology (IT) team to engage with business stakeholders on their advanced analytics requirements. Qualifications Graduates Additional Information All your information will be kept confidential according to EEO guidelines.

Seismic Works is a leading provider of recruiting and job placement services for the Seismic Industry. Our staff has several years experience with seismic operations and recruiting. Our goal is to be the link between job seekers and employers in North America and Worldwide. We want to enhance job seekers' opportunities to advance their careers in the seismic industry and at the same time ensure employers have the opportunity to connect with experienced, qualified personnel. Job Description As Data QC/Data Processor you will be responsible in inspecting the quality of raw data by analyzing observer logs compiled by data acquisition crews using a series of employer's propriety software computer programs. Your strong technical background will be used to test and adapt computer programs to suit individual datasets and debugging aborted programs. You may work in teams, often on many different projects simultaneously, you will use your well-developed interpersonal and communication skills to discuss the processing requirements of individual datasets with teams and advisers. You will monitor the progress of programs that take many days to run while prioritizing each program according to runtime and project urgency. **You must be legally entitled to work in the region applying for and willing to travel. Additional Information All your information will be kept confidential according to EEO guidelines.

Job Description Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep , Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys. Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience. Position Summary: The Sr. Loan Processor will be responsible for processing auto loan contract packages to ensure each file is accurate and complete prior to funding by performing the following duties. Assists loan processing and funding managers with pipeline management, training of loan processors, handling complex loan files, responding to escalated calls, and may perform quality file reviews as needed. Essential Duties and Responsibilities: Reviews and ensures submitted contracts and loan packages are complete, accurate and reflect proper approval authorities. Closely inspects loan package documentation for suspicious or fraudulent documentation. Verifies calculations on the contracts prior to funding and prepares completed files for funding. Performs financial calculations such as income, payoffs, rebates and cancellation quotes, verification of employment, vehicle registration, driver's license, residence, and insurance coverage. Conducts customer interview to validate information contained in the loan documents. Serves as a liaison between Dealer, Loan Officers and Dealer Relationship Managers and assists in resolving funding issues. Maintain confidentiality when accessing personal information of consumers, including, but not limited to, Social Security numbers and dates of birth. Perform other ad-hoc tasks and duties as assigned. Qualifications and Competencies Required 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. Required Experience: Minimum 2 years' experience in auto finance industry as a Loan Processor, or a similar position. Education: High school diploma and or/GED. Skills Required: In-depth knowledge of loan processing procedures, regulations, and guidelines. Strong analytical and mathematical skills. Excellent communication and customer service skills. Ability to work efficiently in a fast-paced environment. Proficient in using lease software and Microsoft Office Suite. Overtime required - required on an as needed basis. Travel 0-10% - as required on an as needed basis. Must have reliable transportation and live within a commutable distance to one of the following cities: Dallas, TX; Houston, TX; Phoenix, AZ. 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; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Work Schedule This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed. Travel is required 10% of the time. Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.

Are you looking for your next challenge? Are you excellent at communicating verbally and via email? Are you looking for a vibrant company in a stable industry? Administrative Fiduciary Services, Inc. is looking to fill Payroll & Transaction Specialist positions in our Houston, TX office. AFS is a vibrant and growing national 3(16) provider. We have a presence nation-wide allowing us to grow in excess of 20% per year and provide advancement opportunities for our professionals. Although welcomed, industry experience is not necessary, and paid training will be provided. Job Responsibilities: Payroll file submission at various record-keepers Daily Distribution Processing Force out and RMD determination and processing Prepare annual and mid-year census files Prepare notice packages and mailing coordination Prepare contribution reconciliations Confirm payment of various participant transactions Assist with data entry for new plans Assist with other projects as required Qualifications: Bachelor's degree Excellent written and verbal communication skills Excellent organizational skills Ability to work in a team environment Committed to lifelong learning Flexibility, adaptability, and excellent multi-tasking skills Prior work experience in an office setting a plus Prior customer service experience a plus Compensation and Benefits: Base Salary $42,000 - $52,000 Salaried/non-exempt position; eligible for overtime Medical, dental, disability, and life insurance Paid time off 401(k) with employer match Work Location/Hours: Hybrid work schedule after probationary period Must work from USA and be authorized to work for any US employer We will supply all necessary computer equipment Work hours: 40 hours per week You may choose a start time between 7:30 am and 8:30 am. You must start your day at the same time each day. Click Here to review our Privacy Policy

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry. Position Summary Process and pre-underwrite conventional, FHA, VA and Bond mortgage loans to ensure compliance with Company, secondary market investor, and government agency standards. Achieve production and quality metrics. Liaison between loan officer, borrower, underwriter and funding. Prepare and review loan file to ensure completeness of submission and supporting documents, as well as compliance with underwriting and investor guidelines. Monitor overall loan processing cycle time to ensure the loan closes on time. Communicate and coordinate the resolution of issues that delay loan closing timeline. “Go to” subject matter expert/lead when Supervisor/Lead is not available. Essential Functions The processor is to become the contact for non-licensed activity once the loan is submitted to them. Monitor the overall lending process, and identify, resolve, and communicate issues that could impact timely closure of loans. Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation. Identify potential issues and communicate to consumer and loan officer. Order and review all third-party documentation, including credit checks, title reports, appraisals, tax returns, verifications of employment/assets, etc. to identify and address potential issues. Stay current with federal, state regulations, policies and industry trends. Check ratios and verify accuracy of AUS findings and program applicability. Review and verify documentation integrity to ensure it aligns with findings, completeness and compliance, and submit loan file to underwriting for approval. Identify qualifying/program issues prior to submission to Underwriting, and re-structure loan as necessary. Provide options within guidelines and makes recommendations if borrowers may qualify for suitable programs. Update and verify accuracy of data input into system. Verify compliance with Company standards, federal and agency regulations, standards, and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc. Obtain and verify clearance of all underwriting conditions and prepare the file for submission to Closing. Order generation of loan documents. Coach and provide guidance to less experienced Processors as needed. Use and modify templates to compose professional correspondence and emails. Provide status updates to Loan Officers and/or borrowers. Qualifications High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred. Total recent work experience includes five or more years' experience as a Loan Processor, preferably processing conventional and FHA loans along with at least two years of experience processing VA and Bond mortgage loans. Ability to build strong relationships with loan officers, production, underwriting, closing and other internal and external partners. Expert knowledge of overall mortgage lending internal processes and control, as well as federal, state, and regulatory requirements/guidelines related to consumer mortgage lending for conventional, FHA, VA and Bond mortgage loans. Expert knowledge of conventional, FHA, VA and Bond mortgage loans, including various product/program guidelines, necessary conditions for approval, and investor specific guidelines. Expert knowledge in new construction documentation and condominium projects. Expert knowledge of valid documentation related to processing consumer mortgage applications (e.g., complex tax returns, financial statements and records, verification of income and deposits, etc.). Sound judgment, ability to think critically, including the ability to evaluate facts and data to draw conclusions, determine the downstream impact of decisions and associated risks. Ability to prioritize multiple tasks in a deadline-driven environment, strong sense of urgency and responsiveness. Excellent customer service, interpersonal, verbal and written communication skills Intermediate math skills. Strong verbal and written communication skills. Strong detail orientation and highly organized. Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/Document Retention programs. Supervision Depending on experience, supervision is intermittent to infrequent Depending on experience moderate to high level of independent judgment and discretion related to area(s) of specialization May provide guidance to less experienced team members to resolve/escalate issues of high complexity Exercise sound judgment in executing core job responsibilities Average monthly pipeline is 14 loans. Travel: 0% Requirements Physical: Work is primarily sedentary; mobility in an office setting. Manual Dexterity: Frequent use of computer keyboard and mouse. Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media. Environmental: Office environment - no substantial exposure to adverse environmental conditions. Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match. Guild Mortgage Company is an Equal Opportunity Employer. This position offers eligibility for incentive compensation. Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant's geographical location. Target Salary: $60,000 - $70,000

About Us: We are a global trading company, specializing in the supply of essential goods and services to the maritime industry, including ship stores, provisions, and spare parts. We also have a strong presence in the import and export of food and liquor. Our Houston office is a key part of our international network. Location: Houston, TX Job Summary: We are looking for a dedicated and enthusiastic individual to join our team in Houston as Order Processing/Administrative Staff. This role primarily involves creating data from customer orders and generating necessary documentation for the warehouse and deliveries. No prior industry experience is required, as comprehensive on-the-job training will be provided. A serious approach to work and passion for the job are the most important attributes. Responsibilities: Create and process data from customer orders accurately. Print warehouse checklists based on incoming orders. Generate and print delivery slips (納品書). Maintain organized records of orders and documentation. Assist with general administrative tasks as needed. Schedule: Monday to Friday, 07:30 AM - 04:30 PM Compensation: Starting at $16 - $17 per hour Qualifications: Fluency in Japanese is required. Excellent analytical and problem-solving skills. Punctuality and reliability are essential. Must possess a hands-on approach to work. Ability to work independently and manage multiple tasks simultaneously. Strong attention to detail and accuracy. No prior industry knowledge is necessary; we will train you. A serious attitude towards work and enthusiasm are highly valued.

JOB TITLE: Loan Processor SUMMARY: This position is responsible for obtaining necessary information (i.e., loan applications, credit documents, appraisals, etc.) to process and complete mortgage loan files. DUTIES AND RESPONSIBILITIES: Reviews loans in process daily and determines which loans must be processed immediately. Performs document audit to approve or reject each loan package for funding. Resolves any exceptions with customer prior to funding. Administers the timely daily disbursement and receipt of funds. Enters data from new loan applications and other documents into computer system. Orders credit reports, appraisals, flood certifications, and title work. Refers loans that do not meet basic standards to staff underwriter. Provides follow-up on a consistent basis with originators, borrowers, and agents to complete processing. Analyzes loan files and submits completed loans for approval. Responds to inquiries from originators, agents, and borrowers regarding status of loans in process. Completes loan sheets and conversion logs. Ensures regulatory compliance. Creates and maintains loan files. Processes approval and denial letters. Maintains status of all files in process and updates as needed. Keeps abreast of all FHA, VA, and conventional guidelines and changes that may affect loan status. Completes all required paperwork and forms in a timely and accurate manner; prepares all required reports. QUALIFICATIONS: High school diploma or general education degree (GED) 1-2 years of related experience. Computer skills required: Microsoft Office Suite and Encompass preferred. COMPETENCIES: Adaptability - Adapts to changes in the work environment; manages competing demands. Customer Service - Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; meets commitments. Ethics - Treats people with respect; keeps commitments. Interpersonal Skills - Focuses on solving conflict, maintains confidentiality. Oral Communication - Speaks clearly and persuasively in positive or negative situations; responds well to questions. Planning/Organizing - Prioritizes and plans work activities; uses time efficiently. Problem Solving - Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; works well in group problem solving situations. Written Communication - Writes clearly and informatively. Disclaimer: This position description highlights a general description of duties and responsibilities. Employee(s) may be assigned other duties, in addition to or in lieu of those described herein, and any duties are subject to change at any time, according to the needs of the location or Company.

General The Mortgage Loan Processor (MLP) is responsible for processing all real estate applications originated by the Mortgage Loan Officers in accordance with internal credit union policies, procedures, and guidelines. Applications include conventional purchase money, refinance, cash-out refinance, home equity and home improvement loans. Most loans are retained in the credit union's portfolio, but others are sold on the secondary market. This is an extensive member service-oriented position with primary responsibilities for the accurate processing, validating information and documentation, and timely closing a mortgage loan file. MLP's must have the ability to maintain effective communication with the member to ensure coordination and exchange of information for accomplishing the closing of the member's real estate loan. This position will also include some crossover into closing, funding, post-closing, and administrative job duties. Duties & Responsibilities Have thorough knowledge of first and second mortgage real estate lending practices, including federal regulatory requirements, state regulations and agency requirements. Have a thorough understanding of conventional and special mortgage loan programs and knowledge of the necessary documentation for processing and obtaining underwriting approval. Review Desktop Underwriter verification messages/approval conditions. Verify the accuracy and integrity of all loan data entered into the system including but not limited to names, addresses, government monitoring information, loan information (i.e. loan amount, interest, terms, lock-in expiration dates, etc.) Communicate with members to provide them with an overview of the process and inform the member of information and documentation necessary to process the loan. Conduct follow-up on outstanding documentation to ensure receipt to keep file on track for a timely closing. Order from closing document attorney and/or preparing loan closing documents to prepare for loan closings. Disclose Closing Disclosures within TRID guidelines, validating information, reconcile loan fees and charges with title companies, attorney's offices, appraisers, surveyors, etc., and accurately perform funding transactions to disburse funds to Borrowers and/or title companies. Maintain quality within the department by following operational policies and procedures, reporting needed changes, and compliance with Federal regulations. Manage relationships with vendors including title companies, mortgage insurance companies, document attorney, and appraisal management companies. The MLP is expected to be flexible with respect to duties, scheduling, and periodically completing duties that may be outside their normal job description. Job Requirements Must register with the National Mortgage Licensing System High school graduate with 5 years experience in mortgage lending with at least 2 years as a Mortgage Loan Processor Strong verbal and written communication skills Strong organizational and planning skills Provide friendly, prompt, professional and accurate service and support to all members and associates Maintain a dependable record of attendance and timeliness. Ability to work evenings and weekends if needed. Knowledge of software and hardware necessary to conduct business in a credit union environment, including, but not limited to: multiple line telephones, fax machine, voicemail, Outlook based electronic mail and calendars, E-Fax, Windows, Microsoft Office (Word, Excel, and PowerPoint) Knowledge and familiarity with Calyx loan origination system strongly preferred Bilingual in Spanish is a plus. Physical/Mental Requirements Of The Position: 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 the job, the employee is regularly required to stand, sit, use hands, reach with hands and arms, kneel, crouch, and talk and hear. Ability to move and/or lift 10 pounds. The vision requirements include close vision and ability to adjust focus. The mental demands include detailed work, reasoning, math, language, written and verbal communications, multiple concurrent tasks.

At Longbridge, we love seniors and we're passionate about helping them unlock the power of one of their greatest assets-their home equity. As a leading provider of home equity solutions for seniors, we're committed to helping older homeowners make the most of what they've worked hard to build, so they can live the retirement they imagined. And we don't just do it well, we do it really well. With an “Excellent” rating on Trustpilot and over a thousand customer testimonials, we've earned a reputation for making it easy and stress-free to access home equity-with guidance every step of the way. But it's not just our customers who love us-our team does, too! We've been named a Great Place to Work three years in a row because we believe that when people enjoy what they do and where they do it, everyone wins. Why Longbridge? At Longbridge, we don't just offer jobs, we offer careers that grow with you. Here's why you'll love being part of our team: Grow With Us - We're big believers in investing in our people. From top-notch training to clear career paths, we support your professional growth every step of the way. Plus, we love promoting from within-because when you succeed, we all do. A Culture That Clicks - We work hard, but we have fun doing it! Whether it's team-building events, friendly competitions, or just an atmosphere of open communication and collaboration, we make sure work feels less like “just work.” Benefits That Have Your Back - We've got you covered with best-in-class health plans (medical, dental, vision, HSA, and FSA), generous PTO, paid holidays, company-paid life insurance, and a competitive 401(k) match. Because taking care of our team is just as important as taking care of our customers. If you're looking for a place where your work truly makes a difference, we'd love to have you on board. Apply today and let's do great things together! Job Description The Reverse Processor responsibilities include under general supervision verification of data integrity in our loan origination software. File gathering and submission to underwriting. Clear loan conditions for final approval to submit to closing. Primary Job Duties: Process applications for submission to underwriting Work with loan officers, borrowers, underwriters, closers, AMC's and title companies Scanning and uploading file documentation into LOS Clear loan conditions with applicants and communicating with loan officers Analyze Credit, income, tax returns and asset documents Other duties and/or mortgage or company related tasks as assigned by management Ensure confidentiality of client files The employee shall work well under pressure, meet multiple and sometimes competing deadlines and shall, at all times, demonstrate professional behavior with colleagues and supervisors Must be able to work independently and as part of a team Qualifications Required Experience: 1-2 years' experience in reverse mortgage processing required Strong time management and prioritization skills and ability to meet deadlines Must be able to read, analyze, and interpret procedures, manuals, policies, and regulations. Above average oral and written communication skills. Above average customer service, and analytical skills. Intermediate working knowledge of PC applications (Word, Excel, MS Outlook) Additional Information Working in a growing and dynamic industry Full benefits: Medical, Dental, Vision, FSA/HSA, and wide array of voluntary products and discounts 401(k) with company match Paid time off This is a non-exempt role Target base salary range is 60K- 70K, which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive additional compensation program via monthly production bonus that is based on individual performance. LBF is an EEO/AA/Vet/Disabled Employer Please note that salaries that are estimated on various job sites may not reflect the actual compensation. Job sites, set the estimated salary, not Longbridge Financial. Important Note: When you click on a video, certain personal information may be sent to the video provider (such as YouTube, Vimeo, etc.). To learn more about our privacy practices, please review our company Privacy Notice.

Accounts Processor | $24.00 | 8:00 am to 4:30 pm/In Office/Temporary What Matters Most Competitive Pay of $24.00 per hour Schedule: 8:00 am to 4:30 pm Contract role Weekly Pay with direct deposit or pay card When you work through Team1Medical, you are eligible to enroll in dental, vision and medical insurance as well as 401K, direct deposit and our referral bonus program Job DescriptionOne of the premier Healthcare organizations is seeking an Accounts Processor to support their Accounts Payable department. Submit your resume and see what opportunities are available for you! Responsibilities: Process accounts payable transactions accurately and in a timely, confidential manner while reviewing and researching payment documents in accordance with established policies. Match invoices with purchase orders and receiving documents, verifying accuracy and resolving discrepancies with vendors or department heads. Investigate credits, past-due invoices, and account statements, ensuring updated and accurate financial records. Respond to vendor inquiries and provide clear communication regarding invoice status and payment details. Prepare reports on unpaid invoices for the Accounts Payable Coordinator and perform vendor audits to ensure compliance. Monitor AP-PO mailboxes and assist PO Leads with manual invoice processing and issue resolution. Qualifications and Requirements: One (1) year of experience in accounting, finance or accounts payable environment. Strong written/oral communication skills and Time Management. Proficient in Microsoft Office Suite. Must have completed High School Diploma or GED. Benefits and Perks: $24.00/hr. Once hired on with the organization they offer a comprehensive benefits package, which includes three weeks of Paid Time Off, PPO or HMO, and 401k. Your New Organization:Our client is a healthcare organization with multiple locations within the Houston and Greater Houston areas with various career growth opportunities. Your Career Partner:Team1Medical, a Reserves Network company, a veteran-founded and family-owned company, specializes in connecting exceptional talent with rewarding opportunities. With extensive industry experience, we are dedicated to helping you achieve your professional goals and shine in your field. The Reserves Network values diversity and encourages applicants from all backgrounds to apply. As an equal-opportunity employer, we foster an environment of respect, integrity, and trust in every aspect of employment.In the spirit of pay transparency, we want to share the base salary range for this position is $24.00/hr. not including benefits, potential bonuses or additional compensation. If you are hired, your base salary will be determined based on factors such as individual skills, qualifications, experience, and geographic location. In addition, we also believe in the importance of pay equity and consider the internal equity of our current team members as a part of any final offer. Please keep in mind that the range mentioned above is the full base salary range for the role. Hiring at the maximum of the range would not be typical in order to allow for future & continued salary growth.

Primary Job Function In order to help Texas Bay Credit Union (TBCU) stand out as a leading financial institution, the Loan Processor is responsible for efficiently processing loan applications from initial submission to final approval. This position plays a critical role in ensuring loan applications meet necessary requirements and qualified applicants acquire loans in a timely manner. Essential Duties and Responsibilities Review loan packages to ensure all necessary documents are included and complete Provide updates on the status of loan applications and explain loan terms and conditions Order 3rd party services and collect fees as assigned for each loan product Prepare and process title documentation for automobile transactions Prepare and submit consumer real estate initial disclosures and closing documents Coordinate loan uploading/funding and final disbursement Examine applications and closing packages to ensure compliance with state, federal and Credit Union regulations and policies Organize and finalize applicant files before imaging and uploading into repository Monitor and manage workflow to ensure timely closings Work closely with underwriters, loan officers, and other team members to facilitate the loan approval process Act as primary contact for loan documentation related questions for all Credit Union personnel Stay up to date with ongoing regulations and changes in lending requirements Identify and resolve issues that may arise during the loan processing phase and address discrepancies or concerns promptly to avoid delays Assign and prioritize loan files to ensure efficient workflow and timely processing Assist in special loan/lending related projects as they arise Other Duties and Responsibilities Play an active part in helping credit union teams function smoothly and efficiently Stay alert to potential problems and propose changes to policies and programs Back-up other coworkers as needed Perform other duties as assigned or needed As an employee of a “Essential Business” (as defined by Texas's Executive Order GA 14), employees are expected to continue to report to work as scheduled during state issued emergency declarations. Comply with all federal, state, and local regulations Required Knowledge A high school education or GED One to three years of similar or related experience Understanding of different consumer loan types (e.g. personal loans, auto loans, home equity loans) Awareness of Credit Union-specific policies and procedures Understanding of end-to-end loan processing workflow, from application to closing. Completion of required training courses Proficient in MS Office and computer skills Required Abilities Strong organizational skills to manage multiple loan files and meet deadlines Ability to prioritize tasks and work efficiently Ability to troubleshoot issues that arise during the loan processing phase Strong verbal and non-verbal communication skills Must be self-motivated and a quick learner Must be able to multitask and work well in a fast-paced environment Demonstrate all Texas Bay Core Values Demonstrate the ability to maintain confidentiality and exercise discretion 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 position. The employee is regularly required to walk, sit, reach with hands and arms, kneel, talk, hear, and climb stairs. The employee must occasionally lift and/or move 10-15 pounds. This position requires viewing of computer monitor for extended lengths of time and travel to and from all credit union offices. Disclaimer The above information on the description has been designed to indicate the general nature and level of work performed by employees within this job. It is not designed to contain or to be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

Primary Job Function In order to help Texas Bay Credit Union (TBCU) stand out as a leading financial institution, the Loan Processor is responsible for efficiently processing loan applications from initial submission to final approval. This position plays a critical role in ensuring loan applications meet necessary requirements and qualified applicants acquire loans in a timely manner. Essential Duties and Responsibilities Review loan packages to ensure all necessary documents are included and complete Provide updates on the status of loan applications and explain loan terms and conditions Order 3rd party services and collect fees as assigned for each loan product Prepare and process title documentation for automobile transactions Prepare and submit consumer real estate initial disclosures and closing documents Coordinate loan uploading/funding and final disbursement Examine applications and closing packages to ensure compliance with state, federal and Credit Union regulations and policies Organize and finalize applicant files before imaging and uploading into repository Monitor and manage workflow to ensure timely closings Work closely with underwriters, loan officers, and other team members to facilitate the loan approval process Act as primary contact for loan documentation related questions for all Credit Union personnel Stay up to date with ongoing regulations and changes in lending requirements Identify and resolve issues that may arise during the loan processing phase and address discrepancies or concerns promptly to avoid delays Assign and prioritize loan files to ensure efficient workflow and timely processing Assist in special loan/lending related projects as they arise Other Duties and Responsibilities Play an active part in helping credit union teams function smoothly and efficiently Stay alert to potential problems and propose changes to policies and programs Back-up other coworkers as needed Perform other duties as assigned or needed As an employee of a “Essential Business” (as defined by Texas's Executive Order GA 14), employees are expected to continue to report to work as scheduled during state issued emergency declarations. Comply with all federal, state, and local regulations Required Knowledge A high school education or GED One to three years of similar or related experience Understanding of different consumer loan types (e.g. personal loans, auto loans, home equity loans) Awareness of Credit Union-specific policies and procedures Understanding of end-to-end loan processing workflow, from application to closing. Completion of required training courses Proficient in MS Office and computer skills Required Abilities Strong organizational skills to manage multiple loan files and meet deadlines Ability to prioritize tasks and work efficiently Ability to troubleshoot issues that arise during the loan processing phase Strong verbal and non-verbal communication skills Must be self-motivated and a quick learner Must be able to multitask and work well in a fast-paced environment Demonstrate all Texas Bay Core Values Demonstrate the ability to maintain confidentiality and exercise discretion 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 position. The employee is regularly required to walk, sit, reach with hands and arms, kneel, talk, hear, and climb stairs. The employee must occasionally lift and/or move 10-15 pounds. This position requires viewing of computer monitor for extended lengths of time and travel to and from all credit union offices. Disclaimer The above information on the description has been designed to indicate the general nature and level of work performed by employees within this job. It is not designed to contain or to be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

ProLending Mortgage, LLC. provides Home Loans for Houston and the surrounding areas of Texas. We're committed and dedicated to making your loan process as easy and simple as possible. If you have any questions or you would like to talk to us about your loan or you're pre-qualification, please contact us today. We're here to help and serve you! Job Description ProLending Mortgage is currently looking for a reliable Loan Processor to perform appraisals of individual loans in Texas. You will undertake an intermediary role between potential clients and our financial institution. The goal is to help qualified applicants obtain loans in a timely manner and protect our organization's credibility. Loan processor duties and responsibilities will include analysis, appraisal and evaluation of loan applicants, as well as writing and finalizing contracts. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Responsibilities • Perform initial appraisal of potential borrowers by thoroughly examining their applications • Assess the credit standings of applicants through background research • Interview applicants to evaluate their eligibility for loan or mortgage • Conclude on all applicable financial and non-financial criteria and develop loan repayment plans • Follow up with clients to clarify important points • Give the “green light” to eligible candidates and report decisions with sound arguments • Finalize loan contracts and keep clients informed in rules and obligations • Remain up to speed regarding lending and other financial services • Identify customer needs, explore all options and suggest different types of loans • Cultivate trustworthy referral networks, suggest alternate channels and cross-sell products and services • Forge trust relationships and enhance customer dedication • Work within established regulations and adhere to law requirements at all times Qualifications Requirements • Proven working experience in a loan processor role, at least 2 years is preferred. • Good knowledge of banking computer software and MS Office • Comprehension of direct/indirect lending procedures • In-depth understanding of relevant rules and regulations • Balance between customer satisfaction orientation and a results driven approach • A degree in finance, economics, or a related field is preferred Additional Information All your information will be kept confidential according to EEO guidelines.

General The Mortgage Loan Processor (MLP) is responsible for processing all real estate applications originated by the Mortgage Loan Officers in accordance with internal credit union policies, procedures, and guidelines. Applications include conventional purchase money, refinance, cash-out refinance, home equity and home improvement loans. Most loans are retained in the credit union's portfolio, but others are sold on the secondary market. This is an extensive member service-oriented position with primary responsibilities for the accurate processing, validating information and documentation, and timely closing a mortgage loan file. MLP's must have the ability to maintain effective communication with the member to ensure coordination and exchange of information for accomplishing the closing of the member's real estate loan. This position will also include some crossover into closing, funding, post-closing, and administrative job duties. Duties & Responsibilities Have thorough knowledge of first and second mortgage real estate lending practices, including federal regulatory requirements, state regulations and agency requirements. Have a thorough understanding of conventional and special mortgage loan programs and knowledge of the necessary documentation for processing and obtaining underwriting approval. Review Desktop Underwriter verification messages/approval conditions. Verify the accuracy and integrity of all loan data entered into the system including but not limited to names, addresses, government monitoring information, loan information (i.e. loan amount, interest, terms, lock-in expiration dates, etc.) Communicate with members to provide them with an overview of the process and inform the member of information and documentation necessary to process the loan. Conduct follow-up on outstanding documentation to ensure receipt to keep file on track for a timely closing. Order from closing document attorney and/or preparing loan closing documents to prepare for loan closings. Disclose Closing Disclosures within TRID guidelines, validating information, reconcile loan fees and charges with title companies, attorney's offices, appraisers, surveyors, etc., and accurately perform funding transactions to disburse funds to Borrowers and/or title companies. Maintain quality within the department by following operational policies and procedures, reporting needed changes, and compliance with Federal regulations. Manage relationships with vendors including title companies, mortgage insurance companies, document attorney, and appraisal management companies. The MLP is expected to be flexible with respect to duties, scheduling, and periodically completing duties that may be outside their normal job description. Job Requirements Must register with the National Mortgage Licensing System High school graduate with 5 years experience in mortgage lending with at least 2 years as a Mortgage Loan Processor Strong verbal and written communication skills Strong organizational and planning skills Provide friendly, prompt, professional and accurate service and support to all members and associates Maintain a dependable record of attendance and timeliness. Ability to work evenings and weekends if needed. Knowledge of software and hardware necessary to conduct business in a credit union environment, including, but not limited to: multiple line telephones, fax machine, voicemail, Outlook based electronic mail and calendars, E-Fax, Windows, Microsoft Office (Word, Excel, and PowerPoint) Knowledge and familiarity with Calyx loan origination system strongly preferred Bilingual in Spanish is a plus. Physical/Mental Requirements Of The Position: 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 the job, the employee is regularly required to stand, sit, use hands, reach with hands and arms, kneel, crouch, and talk and hear. Ability to move and/or lift 10 pounds. The vision requirements include close vision and ability to adjust focus. The mental demands include detailed work, reasoning, math, language, written and verbal communications, multiple concurrent tasks.

At Longbridge, we love seniors and we're passionate about helping them unlock the power of one of their greatest assets-their home equity. As a leading provider of home equity solutions for seniors, we're committed to helping older homeowners make the most of what they've worked hard to build, so they can live the retirement they imagined. And we don't just do it well, we do it really well. With an “Excellent” rating on Trustpilot and over a thousand customer testimonials, we've earned a reputation for making it easy and stress-free to access home equity-with guidance every step of the way. But it's not just our customers who love us-our team does, too! We've been named a Great Place to Work three years in a row because we believe that when people enjoy what they do and where they do it, everyone wins. Why Longbridge? At Longbridge, we don't just offer jobs, we offer careers that grow with you. Here's why you'll love being part of our team: Grow With Us - We're big believers in investing in our people. From top-notch training to clear career paths, we support your professional growth every step of the way. Plus, we love promoting from within-because when you succeed, we all do. A Culture That Clicks - We work hard, but we have fun doing it! Whether it's team-building events, friendly competitions, or just an atmosphere of open communication and collaboration, we make sure work feels less like “just work.” Benefits That Have Your Back - We've got you covered with best-in-class health plans (medical, dental, vision, HSA, and FSA), generous PTO, paid holidays, company-paid life insurance, and a competitive 401(k) match. Because taking care of our team is just as important as taking care of our customers. If you're looking for a place where your work truly makes a difference, we'd love to have you on board. Apply today and let's do great things together! Job Description The Reverse Processor responsibilities include under general supervision verification of data integrity in our loan origination software. File gathering and submission to underwriting. Clear loan conditions for final approval to submit to closing. Primary Job Duties: Process applications for submission to underwriting Work with loan officers, borrowers, underwriters, closers, AMC's and title companies Scanning and uploading file documentation into LOS Clear loan conditions with applicants and communicating with loan officers Analyze Credit, income, tax returns and asset documents Other duties and/or mortgage or company related tasks as assigned by management Ensure confidentiality of client files The employee shall work well under pressure, meet multiple and sometimes competing deadlines and shall, at all times, demonstrate professional behavior with colleagues and supervisors Must be able to work independently and as part of a team Qualifications Required Experience: 1-2 years' experience in reverse mortgage processing required Strong time management and prioritization skills and ability to meet deadlines Must be able to read, analyze, and interpret procedures, manuals, policies, and regulations. Above average oral and written communication skills. Above average customer service, and analytical skills. Intermediate working knowledge of PC applications (Word, Excel, MS Outlook) Additional Information Working in a growing and dynamic industry Full benefits: Medical, Dental, Vision, FSA/HSA, and wide array of voluntary products and discounts 401(k) with company match Paid time off This is a non-exempt role Target base salary range is 60K- 70K, which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive additional compensation program via monthly production bonus that is based on individual performance. LBF is an EEO/AA/Vet/Disabled Employer Please note that salaries that are estimated on various job sites may not reflect the actual compensation. Job sites, set the estimated salary, not Longbridge Financial. Important Note: When you click on a video, certain personal information may be sent to the video provider (such as YouTube, Vimeo, etc.). To learn more about our privacy practices, please review our company Privacy Notice.

Accounts Processor | $24.00 | 8:00 am to 4:30 pm/In Office/Temporary What Matters Most Competitive Pay of $24.00 per hour Schedule: 8:00 am to 4:30 pm Contract role Weekly Pay with direct deposit or pay card When you work through Team1Medical, you are eligible to enroll in dental, vision and medical insurance as well as 401K, direct deposit and our referral bonus program Job DescriptionOne of the premier Healthcare organizations is seeking an Accounts Processor to support their Accounts Payable department. Submit your resume and see what opportunities are available for you! Responsibilities: Process accounts payable transactions accurately and in a timely, confidential manner while reviewing and researching payment documents in accordance with established policies. Match invoices with purchase orders and receiving documents, verifying accuracy and resolving discrepancies with vendors or department heads. Investigate credits, past-due invoices, and account statements, ensuring updated and accurate financial records. Respond to vendor inquiries and provide clear communication regarding invoice status and payment details. Prepare reports on unpaid invoices for the Accounts Payable Coordinator and perform vendor audits to ensure compliance. Monitor AP-PO mailboxes and assist PO Leads with manual invoice processing and issue resolution. Qualifications and Requirements: One (1) year of experience in accounting, finance or accounts payable environment. Strong written/oral communication skills and Time Management. Proficient in Microsoft Office Suite. Must have completed High School Diploma or GED. Benefits and Perks: $24.00/hr. Once hired on with the organization they offer a comprehensive benefits package, which includes three weeks of Paid Time Off, PPO or HMO, and 401k. Your New Organization:Our client is a healthcare organization with multiple locations within the Houston and Greater Houston areas with various career growth opportunities. Your Career Partner: Team1Medical, a Reserves Network company, a veteran-founded and family-owned company, specializes in connecting exceptional talent with rewarding opportunities. With extensive industry experience, we are dedicated to helping you achieve your professional goals and shine in your field. The Reserves Network values diversity and encourages applicants from all backgrounds to apply. As an equal-opportunity employer, we foster an environment of respect, integrity, and trust in every aspect of employment.In the spirit of pay transparency, we want to share the base salary range for this position is $24.00/hr. not including benefits, potential bonuses or additional compensation. If you are hired, your base salary will be determined based on factors such as individual skills, qualifications, experience, and geographic location. In addition, we also believe in the importance of pay equity and consider the internal equity of our current team members as a part of any final offer. Please keep in mind that the range mentioned above is the full base salary range for the role. Hiring at the maximum of the range would not be typical in order to allow for future & continued salary growth.