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Job Description Job Summary: We are seeking a detail-oriented and highly organized Mortgage Loan Closer to join our team. In this role, you will be responsible for preparing, reviewing, and ensuring the timely and accurate closing of residential mortgage loans. The ideal candidate will have a strong understanding of mortgage documentation, compliance requirements, and closing procedures, ensuring a smooth transition from underwriting to funding. Key Responsibilities: • Prepare and review closing documents in accordance with loan approval terms, investor guidelines, and regulatory compliance., • Coordinate loan closings with title companies, attorneys, borrowers, lenders, and internal departments., • Verify loan data, including loan amount, interest rate, and fees, to ensure accuracy., • Ensure all closing conditions are met prior to disbursement., • Issue and manage Closing Disclosures (CDs) and final settlement statements., • Perform funding authorization and coordinate disbursement of funds., • Communicate regularly with loan officers, processors, underwriters, and other stakeholders to resolve issues and ensure timely closings., • Maintain complete and accurate loan files in accordance with company and investor requirements., • Keep current on federal, state, and investor regulations related to loan closings., • Provide excellent customer service to all internal and external partners. Qualifications: • High school diploma or equivalent required; associate or bachelor’s degree preferred., • 2+ years of mortgage closing experience preferred., • Strong knowledge of residential loan closing documents and procedures (Conventional, FHA, VA, USDA)., • Familiarity with TRID and other applicable compliance regulations., • Experience with mortgage loan origination systems, • Exceptional attention to detail and organizational skills., • Ability to multitask and work under tight deadlines., • Excellent communication and customer service skills.The hourly rate is based on location and experience ranging from $24-26 per hour. HowardHanna.com Hanna Holdings, Inc. affiliates and assigns are committed to providing equal employment opportunity to all employees and applicants for employment regardless of such factors as race, color, religion, sex, national origin, age, veteran's status or disability. The Company abides by all local, state and federal laws and regulations affecting the hiring of employees. Powered by JazzHR RQtvGN5n6C

Job Description Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. Headquartered in Rochester, NY we have offices throughout New York and Florida, and are licensed in AL, CT, FL, MA, NE, NJ, NY, OH, PA, SC, TN, TX, and VT. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn’t just a transaction to us. It's a partnership for life. We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve. All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management. This posting is an evergreen posting. While the posting is open for applications, we may not be actively filling this roll. The Processor obtains, processes, and reviews all required loan documentation in compliance with the company’s established deadlines. Job Duties: The Processor will be responsible for completing the following job duties. This job description reflects management’s assignment of essential functions; and nothing in this herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time. • Currently (or will be within the first year of hire) trained and approved to process the following loan types: Conventional, FHA, USDA, VA, Construction END loans, Jumbo, and Portfolio., • Reviews all documentation necessary for Loan Approval for accuracy, completeness, and tracks all data in origination software (Encompass), • Quickly and efficiently answers questions from consumer throughout the mortgage process, • Stays up to date on changing rules and regulations pertaining to Conventional, Government-insured mortgages, and all other products offered by Premium Mortgage., • Processes verifications for credit items, including, but not limited to: Employment, Asset information, Rental history, Credit reports, etc., • Works closely with Underwriting and Closing departments to ensure the timely processing and quality of loan file flow, • Review conditions and ensure Borrower(s) is providing the correct information needed to get their loan Cleared to close., • Training as needed The following qualification are required of the Processor. Education: • A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable.Experience:, • Previous experience in the mortgage industry with understanding of loan processingSkills:, • Customer service skills, • Time management skills, • Written communication skills, • Verbal communication skills, • Team player, • Multi-tasking, • Detail orientated, • Organizational skills, • Problem solving skills, • Independent JudgementWorking Conditions: The Processor is primarily in an office setting and maybe exposed to outdoor conditions. Premium Mortgage adheres to a hybrid work model with a requirement of 3 days in office. The working conditions are classified as sedentary work: • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Physical Requirements: The following is a description of the physical requirements on a daily basis for the Processor. While performing the duties of the job the employee is regularly expected to: • Stand, • Sit, • Hear, • Walk, • Talk, • Stoop or kneel, • Repetitive motion This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned. Premium Mortgage Corporation provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. The starting base salary range for this position is $24.00 - $27.50, hourly. This is the range of the base pay only, it does not include other components that make up the total compensation package of the position. If offered a position, your total compensation package will be determined by experience, location, skills and/or education which may result in a total compensation package that falls outside the provided range.

Job DescriptionDescription: HUNT Mortgage is seeking an ambitious and results-driven Mortgage Loan Officer to join our team of highly motivated Mortgage Consultants. Ideal candidates for our team will be experienced in relationship management to assist clients and provide excellent support throughout the home-buying process. Additionally, Mortgage Consultants must keep up with mortgage loan trends and developments and are well-connected to other financial institutions, lenders, and advisors. In this role, your ultimate goal is to help clients realize and meet their financial goals by responsibly advising them throughout the mortgage loan process, from application to closing. You will be a great fit for our team if you can swiftly identify customer needs, meet loan production goals, and work to ensure customer satisfaction. Primary Functions: • Meet with loan applicants to identify their needs, collecting information for loan applications, and guiding them throughout the entire loan process, • Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness, • Review financial information from all relevant parties to determine eligibility, • Submit loan applications in a timely manner, monitoring active loan files on a regular basis, • Prepare thorough and timely pre-qualifications, • Counsel applicants and resolve any loan-related issues that may arise, • Originate and evaluate mortgage loans in compliance with Company guidelines and standards as well as federal, state, and local regulations, • Build relationships with our Real Estate Sales Professionals, including visiting and attending Real Estate Branch meetings on a regular basis, • Additional duties as assigned Skills/Abilities: • Outstanding interpersonal skills, • Excellent oral and written communication skills, • Customer service-oriented, • Proficiency in current office technology (Microsoft Office, Google Workspace, etc.), • Valid Driver's License Education & Experience: • 1-3 years of experience as a mortgage loan officer required, • High School Diploma or equivalent required, • Thorough knowledge and understanding of all local, state, and federal mortgage loan regulations required, • New York State Mortgage Loan Originator (MLO) License required upon hire Physical Requirements: • Prolonged periods sitting at a desk and working on a computer, • Must be able to push, pull, and lift up to 15 lbs., • Local travel required as needed (less than 25%) Based on the nature of work we do at HUNT Mortgage Corporation, we offer employment contingent upon the satisfactory completion of criminal background investigations, which are conducted in compliance with the Fair Credit Reporting Act and New York Corrections Law Article 23-A. This job description is not an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job; require that other or different tasks be performed as assigned; and/or make reasonable accommodations so that a qualified employee(s) can perform the essential functions of the position. The starting base salary for this position is $40,000-$50,000 per year. This position is also eligible for additional incentive compensation (bonuses, commissions, etc.) based on pre-determined personal performance metrics. Compensation ranges are based on several factors including job function, level, classification, and geographic location. Final offer amounts are determined by multiple factors including candidate experience and expertise, and may vary from the amounts listed here. HUNT Mortgage Corporation is proud to be an Equal Opportunity Employer. We do not discriminate on the basis of race, color, ancestry, national origin, religion or religious creed, disability, genetic information, sex (including pregnancy), sexual orientation, gender identity, gender expression, age, marital status, military or veteran status, citizenship, or other protected characteristics. If you have a need which requires accommodation in order to apply, please let us know by completing our Applicant Accommodation Form. HUNT Mortgage Corporation NMLS #37405 is an Equal Housing Lender. 403 Main Street, Suite 210 Buffalo, NY 14203. (888) 433-8373. New York State Mortgage Banker License #LMBC 109903. Req: 1660198 Position Class Hourly, Non-Exempt Additional Compensation Commissions Requirements:

Job DescriptionJob Title: Mortgage Closing Specialist I Location: RemoteHire Type: ContingentPay Range: $26.45/hourWork Type: Full-timeWork Model: RemoteWork Schedule: Monday – Friday, 8am – 5pmRecruiter Contact: Natalie Dunn | 443.345.3303 | natalie@marykraft.comNature & Scope:Positional OverviewThe Imagine Group is recruiting for a Mortgage Closing Specialist I on behalf of our client, a leading financial institution serving individuals, businesses, and communities across the eastern United States. Known for its strong regional presence, commitment to community engagement, and focus on long-term customer relationships, the organization offers a stable and collaborative work environment with opportunities for growth.In this role, you will be responsible for the gathering of information for submission of loans for Closing Disclosure (CD) Issuance. Collaborate with applicable parties to meet target close date through time management of tasks and pipeline reporting. Ensure accuracy of data being submitted for CD Issuance: homeowners, taxes, fees, payoffs and applicable invoices for third party fees.Role & Responsibility:Tasks That Will Lead to Your Success • Assign pipeline reporting to title reviewers, review pipeline reports, and manage title review box., • Maintain effective communication with all necessary parties involved in closing a transaction, from the customer, broker, correspondent, settlement agent, loan officer, post-closing, loan delivery, mortgage servicing, mortgage accounting, funding and co-workers to ensure a seamless closing experience., • Work with various internal departments as well as external organizations to obtain closing related documentation or obtain necessary information needed to complete a closing (i.e., payoffs, subordination's, release's, tax, title, homeowners/flood information)., • Perform a thorough and accurate review of the file to ensure the loan follows State and, • Federal guidelines and obtain verbal verification of employment on all borrowers that are income qualified. This also includes but is not limited to reviewing homeowners, flood, title and tax related documents., • Follow up on rate lock expirations and document expirations., • Review system of record information to ensure CD can be prepared and that all documentation submitted for CD Issuance is complete and accurate., • Proactively contact the Settlement Agents throughout collaboration process to obtain all necessary information such as fees and contact information for CD purposes., • Evaluate close dates throughout process to ensure process is on target to meet those dates and ensure proper communication is being done to applicable parties if close date has to be changed., • Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies., • Maintain internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable., • Promote an environment that supports diversity and reflects the brand., • Complete other related duties as assigned.Skills & ExperienceQualifications That Will Help You Thrive, • Associates degree plus a minimum of 1-year prior business experience or a minimum of 1-year combined Closing experience and customer service experience, or in lieu of a degree, a combined 3-year higher education and/or work experience, including a minimum of 1-year prior business experience or a minimum of 1-year combined Closing experience and customer service experience., • Strong PC skills with knowledge of spreadsheet, word processing, and email software., • Ability to make sound decisions based on information provided., • Versatility and flexibility working within an ever-changing fast-paced mortgage environment., • Ability to adapt to new policies and procedures to improve processes and workflow., • Ability to function within time constraints., • Excellent verbal and written communication skills., • Attention to detail with strong organizational skills., • Ability to prioritize daily workload., • Ability to work in a team environment., • Strong work ethic, reliable and dependable.Education & Experience Preferred:, • Prior Mortgage experience in Mortgage Closing whether at a Lender, Title Company or Settlement Agent's office., • Solid knowledge of Department software., • Knowledge of Product, Investor and Compliance Requirements.

Job DescriptionDescription: Responsibilities: • Perform a pre-closing quality control review of delegated Conventional, FHA, USDA, and VA loans, • Review the data integrity between Encompass, the Automated Underwriting System feedback certificates, and the loan documentation, • Review file to ensure applicant’s identity, employment, income, assets, and all AUS required conditions are documented in the loan file, • Ensure collateral documents are valid and free of repairs, • Perform a review on each file to verify processing and underwriting adherence to GSE, Agency and compliance requirements, • Complete a final compliance check through Mavent Core Competencies: • Strong eye for detail – commitment to excellence, • Ability to work well under pressure, • Positive Attitude and willingness to help others, • Self-motivated with a strong desire to learnRequirements: Qualifications: Education/Certification • -High School degree or equivalent. 4-year college degree preferred Required Experience: • Three years of experience in mortgage loan processing and one or more in a mortgage underwriting position preferred Skills/Abilities: • Excellent oral and written communication skills, • Ability to work independently and with minimal supervision, • Ability to multi-task, • Organized and detail-oriented, • Strong understanding of state and federal mortgage origination compliance regulations (TILA, FCRA, HMDA, AML, etc.)

Job Description Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. Headquartered in Rochester, NY we have offices throughout New York and Florida, and are licensed in AL, CT, FL, MA, NE, NJ, NY, OH, PA, SC, TN, TX, and VT. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn’t just a transaction to us. It's a partnership for life. We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve. All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management. Premium Mortgage is looking to expand its Closing Department with an experienced Closing Coordinator. Job Duties: The Closing Coordinator will be responsible for completing the following job duties. • Manages closing and initial CD pipelines to ensure all queues are current, • Prepare final closing disclosure in accordance with federal guidelines and established procedures, • Fund loan to attorney using designated warehouse lines, • Work with attorneys to schedule closings, • Establishes and maintains relationships with attorneys, • Assists management in identifying trends and gaps in processes and works to find resolutions, • Works collaboratively to meet turn time requirements and departmental priorities, • Completes training as required, • Completes other duties as assigned by management The following qualifications are required of the Closing Coordinator Education: A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable Experience: Previous experience in the mortgage industry with understanding of loan processing Skills: • Customer service skills, • Time management skills, • Written communication skills, • Verbal communication skills, • Team player, • Multi-tasking, • Detail orientated, • Organizational skills, • Problem solving skills, • Independent JudgementWorking Conditions: The Closing Coordinator is primarily in an office setting and maybe exposed to outdoor conditions. Premium Mortgage adheres to a hybrid work model with a requirement of 3 days in office. The working conditions are classified as sedentary work: • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned. Premium Mortgage Corporation provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. The starting base salary range for this position is $21.00 - $25.00, hourly. This is the range of the base pay only, it does not include other components that make up the total compensation package of the position. Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Base pay is one part of the Total Package that is provided to compensate and recognize employees for their work.

Job Description Renovation Lending Analyst Job Description Full Time | Hybrid | Salary Range: $24.00/ hr - $27.50/ hr Pay Transparency: Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Base pay is one part of the total package that is provided to compensate and recognize employees for their work. About Premium Mortgage Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn’t just a transaction to us. It's a partnership for life. We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve. All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management. Why us? Benefits offered by Premium Mortgage: • Insurance: Medical, Dental, Vision, Company Paid Life Insurance, • Time Off: Paid Time Off, Sick Time, Federal Holidays, Birthday PTO, • Additional Perks: Employee Referral Fee, HSA Employer Contribution, Employee Mortgage Loans Role & Responsibilities The Renovation Lending Analyst supports the Renovation Lending Division by overseeing loan origination through clear to close, with cross-training to provide coverage for renovation escrow administration and draw processing when needed. This role ensures compliance with company and regulatory standards, and drives timely, high-quality customer outcomes. The position reports to the Head of Renovation Lending. Loan Processing • Reviews all documentation necessary for loan approval for accuracy, completeness, and tracks all data in origination software, • Processes verifications for credit items including, but not limited to: employment, asset information, rental history, and credit reports., • Reviews conditions and ensures borrower(s) are providing the correct documentation needed to achieve a Clear to Close, • Stays current on changing rules and regulations pertaining to Conventional, Government-insured mortgages, and all specialty products offered, • Works closely with Underwriting and Closing departments to ensure timely processing and quality loan file flow, • Responds quickly and efficiently to borrower inquiries throughout the mortgage process Renovation • Reviews Loan Estimates (LE) and Closing Disclosures (CD) to ensure proper accounting for all renovation-related fees and line items, • Sets up loans in the Renovation Lending System (RLS) to enable pre-closing renovation collateral documentation and configure for post-closing draw administration, • Assists in gathering and reviewing contractor documentation, including licenses, insurance, bids, and executed contracts, • Cross-trains on post-closing draw administration processes, including draw request review, inspection coordination, and disbursement workflows, • Maintains expertise in renovation guidelines and credit criteria for FHA (203k), Fannie Mae (HomeStyle), Freddie Mac (CHOICERenovation), VA renovation, and SONYMA RemodelNY, • Provides training and support as needed within the renovation lending team This job description reflects management’s assignment of essential functions; and nothing in this herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Qualifications for this position Education • A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable Experience • Previous experience in the mortgage industry with understanding of loan processing, • Familiarity with Encompass Transferable Skills • Customer service skills, • Time management skills, • Written communication skills, • Verbal communication skills, • Team player, • Multi-tasking, • Detail orientated, • Organizational skills, • Problem solving skills, • Independent Judgement Working Conditions The Renovation Lending Analyst is primarily in an office setting and may be exposed to outdoor conditions. The working conditions are classified as Sedentary work: • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time.

Job Description Overview CTG is seeking to fill a Mortgage Closing Specialist I opening for our client in Cheektowaga, NY. Location: Cheektowaga, NY (hybrid remote) Duration: 12 months Overview: As a Mortgage Closing Specialist I, you will serve as a critical liaison for gathering information necessary for the issuance of Closing Disclosures (CD). This role requires attention to detail as you assist our centralized Disclosure team, monitor and review reports and spreadsheets related to loan estimates and change circumstances for residential mortgage closings. Your collaboration with various parties will ensure timely closings while maintaining accuracy and compliance with all relevant guidelines. Primary Responsibilities: • Assign pipeline reporting to title reviewers and manage the title review process., • Communicate effectively with all parties involved in the closing process, including customers, brokers, loan officers, and settlement agents., • Work with internal departments and external organizations to obtain necessary documentation for closings., • Conduct thorough reviews of files to ensure compliance with State and Federal guidelines, including verifying employment for income-qualified borrowers., • Monitor and review reports and spreadsheets related to loan estimates and change circumstances., • Follow up on rate lock and document expirations., • Ensure completeness and accuracy of documentation submitted for CD issuance., • Proactively liaise with Settlement Agents to gather required information., • Monitor close dates and communicate any changes promptly., • Adhere to compliance and operational risk controls as per Company and regulatory standards., • Support a diverse environment that reflects the M&T Bank brand., • Complete other related duties as assigned. Scope of Responsibilities: • Collaborate closely with internal and external customers, including co-workers, borrowers, and Settlement Agents. Supervisory/Managerial Responsibilities: • This position does not include supervisory responsibilities. Education and Experience Required: • Associate's degree with a minimum of 1 year prior business experience, or at least 1 year of combined M&T Closing experience and customer service experience. In lieu of a degree, a combined 3 years of higher education and/or work experience, including at least 1 year of relevant experience., • Strong PC skills with proficiency in spreadsheet, word processing, and email software., • Ability to make informed decisions based on provided information., • Detail-oriented with the ability to adapt in a fast-paced mortgage environment., • Excellent verbal and written communication skills., • Strong attention to detail and organizational skills. Education and Experience Preferred: • Prior experience in Mortgage Closing at a lender, title company, or settlement agent's office., • Familiarity with departmental software., • Knowledge of product, investor, and compliance requirements. Excellent verbal and written English communication skills and the ability to interact professionally with a diverse group are required. CTG does not accept unsolicited resumes from headhunters, recruitment agencies, or fee-based recruitment services for this role. To Apply: To be considered, please apply directly to this requisition using the link provided. For additional information, please contact Rebecca Olan at Rebecca.Olan@ctg.com. Kindly forward this to any other interested parties. Thank you!

Job DescriptionDescription: The Mortgage Operations Manager oversees the day-to-day processing and closing operations of the mortgage lending function to ensure efficient, accurate, and compliant loan delivery. This role provides leadership and operational oversight for Processing and Closing teams, focusing on pipeline management, quality control, regulatory adherence, and service-level performance. This position partners closely with Retail Mortgage Lending, Underwriting, and Compliance to ensure loans are processed and closed in accordance with institutional standards, investor requirements, and regulatory expectations. Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position. KEY RESPONSIBILITIES • Oversee daily mortgage loan processing and closing operations, • Monitor pipeline volume, workload distribution, and turnaround times to meet service level standards, • Compliance & Regulatory Adherence, • Support quality control efforts by identifying trends, addressing defects, and implementing corrective actions, • Support implementation of process improvements, workflow efficiencies, and system enhancements, • Training needs ATTITUDES Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating: • Respect: Model respectful behavior and set clear expectations for others., • Client Focus: Deliver consistent, high-quality service that builds trust and loyalty, • Inclusion: Encourage diverse viewpoints and contributions in decision-making collaboration. BEHAVIORS Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating: • Leadership: A collaborative leadership style that empowers others and inspires creative, out-of-the box thinking., • Integrity: Strong business ethics and honest behaviors., • Collaboration: Positively works with others to achieve shared goals and outcomes., • Volunteerism: A recognized and visible presence in serving our communities. COMPETENCIES Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating: • Accountability: Demonstrates accountability by owning underwriting decisions and ensuring accuracy, compliance, and quality outcomes., • Innovation: Applies creative thinking and forward-looking solutions to drive continuous improvement an adapt to evolving challenges., • Professionalism: Reflects skill, good judgment, and positive conduct. SUPERVISORY RESPONSIBILITIES Supervisor drives strategic success from encouraging transparency, maintaining a focus on shared organizational goals, and making time for professional development. Supervisors are expected to hold regular one-on-ones with direct reports to provide them with an invaluable chance to align goals, offer guidance, and foster growth within their teams. • Managing Processing and Closing team performance and development, • Conducting regular one-on-one meetings and performance discussions, • Providing coaching, training and feedback to support accuracy and efficiency, • Supporting employee engagement and continuous improvement initiatives SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. Set stretch assignments and cross functional opportunities that foster growth and learning. Requirements: QUALIFICATIONS, EDUCATION, & EXPERIENCE To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required, with 5+ years of experience, extensive knowledge of Regulatory requirements regarding TRID, ECOA, HMDA, RESPA. A background screening will be conducted. • LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively., • TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience and proficiency of LOS systems such as Empower, including reviewing complete electronic loan files, tracking conditions, documenting underwriting decisions, and managing workflow efficiently., • MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Demonstrates advance mathematical aptitude to accurately calculate and analyze loan-to-value, debt-to-income ratios across a full range of loan types and borrower profiles., • REASONING ABILITY: Applies strong financial analysis and judgement to assess risk, identify compensating factors, and support sound credit decisions within investor and regulatory guidelines., • PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. DISCLAIMER: This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice. BENEFITS • Medical, Dental, Vision & Life Insurance, • 401K with company match, • Paid Time Off & Recognized Holidays, • Leave policies, • Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet), • Employee Assistance Program, • Employee Health & Wellness Program, • Special Loan and Deposit Rates, • Gradifi Student Loan Paydown Plan, • Rewards & Recognition Programs and much more! Eligibility requirements apply. BankOnBuffalo is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion. https://mandatoryview.com/?LicenceId=5a7398f0-7edb-4cb7-a02b-518dcfa222fa&ProductType=IntranetLicense&SubType=PG

Job Description Renovation Underwriter Job Description Full Time | Hybrid | Salary Range: $72,000 – $90,000 annual Pay Transparency: Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Base pay is one part of the total package that is provided to compensate and recognize employees for their work. About Premium Mortgage Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn’t just a transaction to us. It's a partnership for life. We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve. All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management. Why us? Benefits offered by Premium Mortgage: • Insurance: Medical, Dental, Vision, Company Paid Life Insurance, • Time Off: Paid Time Off, Sick Time, Federal Holidays, Birthday PTO, • Additional Perks: Employee Referral Fee, HSA Employer Contribution, Employee Mortgage Loans Role & Responsibilities The Renovation Underwriter is responsible for evaluating risk and rendering credit decisions on renovation loan applications in accordance with agency guidelines and company policy. This role requires in-depth knowledge of standard mortgage underwriting principles as well as specialized expertise in renovation lending programs across FHA, Fannie Mae, Freddie Mac, VA, and SONYMA, including the unique collateral, contractor, and project feasibility considerations inherent to renovation transactions. Underwriting Responsibilities • Completes full credit underwrite on files submitted to underwriting for approval within posted turn times, • Reviews conditions on files within posted turn times and communicates decisions clearly to all internal parties, • Maintains a unified voice with fellow underwriters on underwriting guidance and escalate file issues not covered by existing guidelines to the Head of Renovation for direction, • Provides feedback on loan quality and mentors processing staff and loan officers on file preparation and guideline compliance, • Works jointly with colleagues to respond to quality concerns, including QC, PETR, NOR, and audit or clarification requests from managers or other departments, • Stays current on changing rules and regulations pertaining to Conventional, Government-insured mortgages, and all renovation products offered, • Meets required KPI standards for the position, • Participate in training and development as needed Renovation Responsibilities • Underwrites renovation loan files in accordance with FHA 203(k), Fannie Mae HomeStyle, Freddie Mac CHOICERenovation, VA renovation, and SONYMA RemodelNY guidelines, • Evaluates project feasibility, including scope of work, contractor qualifications, construction bids and consultant reports to assess risk and ensure compliance with program requirements, • Reviews and approves contractor documentation, including licenses, insurance certificates, W-9s, executed contracts, and cost breakdowns, • Analyzes as-completed appraisals to confirm that the subject property’s projected value supports the renovation loan amount and complies with applicable LTV/CLTV requirements, • Reviews renovation escrow calculations and contingency reserves to ensure proper structuring of the renovation holdback in accordance with agency guidelines, • Coordinates with the Renovation Lending Analyst and closing team to confirm RLS system setup, pre-closing collateral documentation, and post-closing draw administration readiness, • Reviews Loan Estimates (LE) and Closing Disclosures (CD) to confirm accurate accounting of all renovation-related fees, holdbacks, and escrow items, • Identifies and escalates unusual project risks, incomplete contractor documentation, or scope-of-work concerns to the Head of Renovation prior to issuing a decision, • Supports post-closing draw administration oversight by providing underwriting guidance on change orders, project scope modifications, or borrower disputes as needed This job description reflects management’s assignment of essential functions; and nothing in this herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Qualifications for this position Education • A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable. Experience • Minimum two years prior mortgage underwriting experience with a strong understanding of credit analysis, collateral evaluation, and agency guidelines., • Direct experience underwriting renovation loan products (FHA 203k, Fannie Mae HomeStyle, Freddie Mac CHOICERenovation, VA renovation, or SONYMA) strongly preferred., • Familiarity with renovation escrow administration, draw management processes, and as-completed appraisal review preferred., • DE/SAR certifications preferred; CHUMS ID required for FHA renovation underwriting. Transferable Skills • Strong analytical and independent judgment skills with the ability to make sound credit decisions., • Excellent written and verbal communication skills with the ability to clearly convey underwriting decisions and conditions., • Detail-oriented with strong organizational and problem-solving abilities., • Effective time management and ability to manage multiple files simultaneously within established turn times., • Collaborative team player with the ability to mentor and support processing and origination staff. Working Conditions The Renovation Underwriter is primarily in an office setting and may be exposed to outdoor conditions. The working conditions are classified as Sedentary work: • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time.

Job DescriptionDescription: Objective To fulfill Hunt Mortgage Corporation’s Service Strategy Statement. “We treat our most valuable assets, our customers and employees with courtesy and respect. We will always be aware that we are assisting our customers with one of their most valuable and cherished assets, their home. We will be accurate in our estimates, timely with our responses and loan closings.” Functions • Track receipt of loan packages from closing agents, • Review each file for accuracy of closing documents and/or conditions, • Works with closing agents to obtain missing or corrected documents to complete the closed loan package, • Review closed package ensuring documents are marked/uploaded before file is shipped to end-investor, • Make sure that legible closing documentation are placed in the proper Encompass folder, • Monitor and track final investor delivery date to ensure time frame is met, • Review/obtain Investor conditions to insure quick and efficient purchasing, • Register Mortgage into MERS system upon closing, • Note delivery to Warehouse Lender, • Obtain MIC/LGC by submitting funds and data input, • Obtain, review and upload final post-closing documents, • Act as a liaison to End-Investor post closing associates, • Be a team player — KYSO service The functions of this position are subject to change and may be altered accordingly based on the needs of the organization and/or the Company President. Core Competencies • Strong eye for detail — commitment to excellence, • Strong organizational skills, • Strong communication skills, • Excellent customer service skills — empathetic, caring, sensitive, • Ability to work well under pressure, • Positive attitude and willingness to help others, • Self motivated with a strong desire to learn, • Emotional intelligence, • Professional dress and demeanor Requirements: Qualifications Education/Certification • High School degree or equivalent Required Experience — Preferred • One or more years experience in a bank or mortgage company in the closing department Required Knowledge • Familiarization with legal documents, • Proficiency with Word, Excel and LOS, • Strong communication and customer service skills, • Ability to work in a cooperative, collegial manner with other departments to accomplish Company goals and objectives

Our client, a well-established and highly respected regional law firm, is looking to add a Real Estate Attorney to their team in Buffalo, Rochester or Albany, NY. The ideal candidate will have at least four years of experience in commercial real estate transactions, including construction contracts, leasing, title insurance and real estate mortgage financing. Job responsibilities include: • Handle a variety of commercial real estate transactions including commercial leasing, purchasing and sale transactions and large-scale property review due diligence projects., • Draft and negotiate transactional documents as well as loan, leases and amendments., • Experience with title and survey review, title examination and the closing process., • Conduct comprehensive title examinations and survey analyses to identify potential issues or risks related to real estate properties as well as interpret laws, rulings and regulations for real estate transactions., • Manage regulatory and compliance-related services., • Support legal and general advisory needs associated with a large-scale real estate portfolio. Candidates must have the following experience/credentials: • Juris Doctor from an accredited law school., • Minimum of four years of experience in real estate law., • Excellent written and verbal communication skills., • Proven ability to work collaboratively with other practice areas to provide comprehensive solutions to clients., • Strong academic credentials., • Must be admitted to practice law in New York State. The firm offers competitive compensation and a comprehensive benefit package. At this time, the good faith estimate of the annual salary range for this position is $144,000 to $178,000. Where a successful applicant is slotted within this range will vary based on legitimate criteria, such as experience, skill level and portable book of business. If you are interested in learning more about this role, please apply with your resume to annette@straussgroup.com

Job DescriptionDescription: Objective: Mortgage Consultant Assistant is responsible for proactively strengthening business relationships between Hunt Sales Associates, borrowers, potential applicants and other individuals, or teams involved in the mortgage transaction along with the Hunt Mortgage Consultant(s). Objective is reached by obtaining MLO license and assisting Hunt Mortgage Consultant(s) with day to day activities. Responsibilities • Work with the VP and Compliance team to obtain your Mortgage Loan Originator License., • Begin and/or complete potential borrower(s) data entry information in the Encompass LOS system., • Help answer calls and texts. Respond to agents and buyers and schedule a time for the MC to chat with borrower or agent when needed., • Review, send or update a pre qualification letter to agents and borrowers with MC’s approval, • Have a working knowledge of NCINO, our on-line application system and Encompass our POS system, as well as other mortgage related systems., • Be able to run automated underwriting decision engine from either Fannie Mae, Freddie Mac or Government Underwriting systems when directed by the Mortgage Consultant., • Have a basic working understanding of borrowers income, assets and credit, • Be able to input borrower income information into Fannie Mae or Freddie Mac Income Calculator, • Run the DDA borrower income/asset analyzer on loan files., • Work closely with the Hunt Mortgage Processor and closing team to ensure timely commitments and closings. Follow-up with the borrower(s) for outstanding documents on files in process when advised., • Provide status information to borrowers and/or real estate agents., • Advise Mortgage Consultant on a weekly basis on upcoming commitment dates, closing dates and rate expiration dates or any other critical task., • Help distribute Hunt Mortgage rate sheets, flyers and announcements to the Hunt sales associates., • Assist MC’s with social media scheduled post, • Assist with arrangements for lunch and learns or other office meetings and events., • Assist with open house sheets and other marketing tasks., • Support Hunt’s vision of KYSO Service, business objectives, goals and mission., • Other tasks that may be assigned by the VP as needed., • Be a valued member of a ever growing, productive mortgage team. Requirements: Education/Certification • High School degree or equivalent, • A 4-year college degree is preferred Required Experience • One or more years’ experience in mortgage banking , preferred, but not required, • One or more years’ experience in a customer service field Skills/Abilities • Personable, • Excellent oral and written communication skills, • Strong computer skills; Microsoft Word, PowerPoint and Excel, • Experience with Social Media, • Ability to work in a cooperative, collegial manner with other departments to accomplish company goals and objectives, • Ability to Multi-Task, • Organized and detail-oriented Core Competencies • Strong eye for detail – commitment to excellence, • Strong organizational skills, • Strong communication skills Excellent customer service skills – empathetic, caring, sensitive, • Ability to work well under pressure, • Positive Attitude and willingness to help others, • Self motivated with a strong desire to learn, • Emotional intelligence, • Professional dress and demeanor, • Want to be part of a high paced, ever evolving team Licensing Requirements • Begin pre-licensing courses within ten (10) days of start date., • Complete the Mortgage Loan Originator test within thirty (30) days of start date and successful pass the test no later than ninety (90) days of the start date., • Submit all paperwork for NMLS license within ten (10) days of passing test., • Receive valid NMLS license based on current standard state turn-times.

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