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Job Description POSSIBLE HYBRID WORKPLACE OPPORTUNITY New York State Homes and Community Renewal (HCR) is the State’s affordable housing agency, with a mission to build, preserve, and protect affordable housing and increase homeownership throughout New York State. This position is with HCR's Housing Trust Fund Corporation (HTFC). This is not a civil service position and does not require a civil service exam. Candidates must meet the minimum qualifications outlined below to be considered. NYS Homes and Community Renewal (HCR) is committed to fostering a culture of diversity, equity, inclusion, and accessibility. Our work would not be possible without the diverse backgrounds, experiences, ideas, and abilities of our employees. HCR is committed to developing a workforce that represents the diverse population of New York State. HCR embraces a diverse and inclusive work environment by encouraging all individuals, including those with disabilities, to apply to open positions at the agency. The Office of Community Renewal (OCR) is one of four program offices within NYSHCR. OCR’s mission is to administer a combination of State and Federal funding resources to develop or support programs that provide decent housing, a suitable living environment, and expand economic opportunities for low and moderate-income people. POSITION SUMMARY: HCR is looking for a new staff member to join the Office of Community Renewal’s NYS HOME program (HOME) team. The HOME team manages grant projects awarded to not for profits and units of local government to help expand the supply of decent, safe, and affordable housing for low- and moderate-income people throughout the state. The Grant Project Manager position includes management of a personal portfolio of projects throughout the full lifecycle of a grant: reviewing grant applications, preparing grant agreement materials, processing payment requests, monitoring project progress, and providing technical assistance to applicants, awardees, and staff. Daily activities primarily include interacting with HOME grant awardees providing guidance and technical assistance needed to successfully complete their housing programs. Other office duties such as answering questions by phone and email, researching and troubleshooting difficult issues and scenarios, reviewing and editing written materials, and attending internal meetings as needed. Some days may include traveling to visit grantees to provide technical assistance and to see the results of OCR investments or presenting at a conference with partners at other state agencies. While the position requires significant administrative work and effort, it offers unique opportunities to become familiar with communities throughout the State while supporting interesting, meaningful affordable housing projects that benefit low-and- moderate income New Yorkers. The ideal candidate for this position 1) is organized and able to work independently, 2) possesses excellent written and oral communication skills, 3) is curious and eager to contribute to process and procedural improvements, and 4) is detail oriented while able to also maintain a long-term view of the goals for the program. DUTIES AND RESPONSIBILITIES: Under the general direction of the Program Director, the Grant Project Manager provides support in the administration of the HOME program. Responsibilities include but are not limited to: • Understand and articulate program rules and regulations of the program., • General management of a portfolio of approximately 30 active grant contracts, including the tracking and monitoring of projects through funding, development, and compliance phases. Specifically:, • review of applications, management of approval and funding process, and preparing approval documents and contracts;, • presenting projects and attending off-site meetings;, • providing and directing technical assistance to program grantees to ensure comprehension of program regulations and requirements; and, • Review and process all program-related payment requests and contracts., • Carry out routine office activities such as answering and routing phone calls, copying, transcription, filing, data entry, handling incoming and outgoing e-mail, and mail, and other tasks as needed., • Draft memos, correspondence, reports, manuals, presentations, or other documents as needed., • Provide database record keeping and reporting support., • Attend, participate, conduct presentations and/or assist with preparation for community development meetings, conferences, webinars, and workshops., • Special projects and general program-related support and assistance, as needed. This position requires occasional travel. Amount of travel varies throughout the year. This job description is not intended to be all inclusive and the employees will be expected to perform other reasonably related duties as assigned. WHO YOU ARE: • Bachelor's degree in humanities, planning, economic development, public administration, business, or related field plus two (2) years of work experience in community development. Comparable, relevant work experience will be considered., • Substitutions: four years of specialized experience or associate degree and two years of specialized experience may substitute for bachelor’s degree; J.D. or master’s degree may substitute for one year of specialized experience; Ph.D. may substitute for two years of specialized experience., • Affinity toward technology., • Strong analytical, organizational and problem-solving skills., • Understanding of how to work effectively in and with diverse communities., • Demonstrated experience performing administrative duties with speed and accuracy without immediate and constant supervision., • Ability to communicate effectively both orally and in writing with attention to detail and professionalism in all communications., • Ability to research and retrieve information., • Well organized and self-motivated with ability to work under pressure, while prioritizing and managing multiple tasks., • Strong Microsoft Excel and Word skills required., • Ability to establish effective working relationships, • Excellent oral and written communication skills., • Strong analytical and organizational skills. DESIRED SKILLS: • Database management, database navigation experience., • Experience with reporting software such as Crystal Reports, and PDF forms. APPLICANTS MUST INCLUDE A RESUME AND COVER LETTER WHAT WE OFFER AT NYS HCR: • Extensive benefits package including participation in New York State’s Health Insurance Program and New York State & Local Employees’ Retirement System., • Promotional opportunities for dedicated professionals., • Work-life balance benefits including a 37.5-hour work week, opportunity for compressed scheduling, and paid time off benefits (vacation, sick, personal days, and federal holidays)., • 12 weeks of Paid Parental Leave., • Paid Family Leave., • As a New York State employee, you may qualify to participate in the Federal Public Service Loan Forgiveness Program (PSLF). The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under an accepted repayment plan and while working full-time for an eligible employer. ABOUT NEW YORK STATE HOMES AND COMMUNITY RENEWAL: Under the leadership of Governor Kathy Hochul and Commissioner RuthAnne Visnauskas, HCR is a vibrant, innovative agency that integrates and leverages New York State’s housing resources. We have offices in New York City, Albany, Buffalo, and Syracuse, and employ a diverse workforce of professionals who are hard-working and committed to serving low- and moderate-income families. Our mission is far-reaching, encompassing single and multifamily housing finance, home improvement, rent regulation, housing subsidies, and community development. We partner regularly with a variety of public and private stakeholders. Achieving this mission requires a wide range of skills and backgrounds in public policy, administration, real estate, construction, finance, law, and many other areas of expertise. We seek to provide a workplace environment that is productive, flexible, accountable, ethical, and caring. Our employees are empowered to make a difference where they live and work. We offer competitive pay and a comprehensive benefits package, including paid leave, health, dental, vision, retirement, and family-friendly policies. New York State is an Equal Opportunity Employer (EOE)

Job DescriptionDescription: GENERAL OVERVIEW Performs all required functions as they relate to Consumer loan processing. Builds and maintains successful member relationships by funding and processing loans to the member’s complete satisfaction, while simultaneously ensuring that supporting documentation and records are accurately prepared according to credit union policies. Duties and Responsibilities ? Works closely with Loan Experts and Underwriters to determine what information is outstanding and follows up on these items in a timely manner. This includes but is not limited to gathering insurance binders, vehicle titles and income verification. ? Coordinates the disbursal of loans with member via DocuSign, in Branch disbursals, transfer to share accounts or other means. ? Review and prepare various weekly, monthly and quarterly reports including, share secured, stock secured, certificate secured. ? Review and prepare department monthly billing statements for approval. ? Responsible for the inputting and updating of material changes to the department’s policy and procedures manuals. ? Organize and prioritize responsibilities as they relate to job functions. ? Orders and maintains the department inventory of supplies. ? Conduct informational surveys upon request. ? Demonstrates the ability to excel in a fast paced environment and meets goals and deadlines. ? Complete various Servicing duties, as assigned by Lending Management. ? All other duties that may be assigned. Requirements: ? One to two years of similar or related experience in Loan Processing/Servicing. ? Have thorough computer knowledge in Excel and Word in order to create documents, letters, spreadsheets and templates. ? Strong organizational skills. ? Ability to work with members and staff tactfully and professionally, both in person and on the phone. ? Ability to maintain a high level of confidentiality. ? Interpersonal skills and ability to communicate clearly while handling multiple priorities. Work Schedule: Mon. – Fri. 8:15am – 5:00pm; Saturday 9am – 1pm

Job Description POSSIBLE HYBRID WORKPLACE OPPORTUNITIY New York State Homes and Community Renewal (HCR) is the State’s affordable housing agency, with a mission to build, preserve, and protect affordable housing and increase homeownership throughout New York State. This position is on HCR's Housing Trust Fund Corporation (HTFC). HTFC is a public benefit corporation, and a Civil Service exam is not required for this position. Candidates must meet the minimum qualifications outlined below to be considered. NYS Homes and Community Renewal (HCR) is committed to fostering a culture of diversity, equity, inclusion, and accessibility. Our work would not be possible without the diverse backgrounds, experiences, ideas, and abilities of our employees. HCR is committed to developing a workforce which represents the diverse population of New York State. HCR embraces a diverse and inclusive work environment by encouraging all individuals, including those with disabilities, to apply to open positions at the agency. New York State Homes and Community Renewal (NYSHCR) consists of all the major housing and community renewal agencies of New York State, which were recently merged and integrated under a single management structure. The Office of Community Renewal (OCR) is one of four program offices within NYSHCR. The OCR’s mission is to administer a combination of State and Federal funding resources to develop or support programs that provide decent housing, a suitable living environment, and expand economic opportunities for low and moderate-income persons. Position Summary This position will support the NYS CDBG Economic Development program administered by OCR. Project Managers in OCR learn and support regulatory requirements and the administrative functions of the program areas while learning to oversee a portfolio of grant projects and provide technical support to applicants and awardees. Duties Under the general direction of the Program Director or Assistant Program Director, a Project Manager will: • Provide support in the administration of Community Development Block Grant (CDBG) program’s housing and public infrastructure grants, • Carry out routine office activities such as answering and routing phone calls, copying, transcription, filing, data entry, handling incoming and outgoing e-mail, and mail, and other tasks as needed., • Draft memos, correspondence, reports, manuals, presentations or other documents as needed., • Provide database record keeping and reporting support., • Understand and articulate program rules and regulations., • Assist in providing and directing technical assistance to program grantees to ensure comprehension of program regulations, requirements, and the application and award processes., • Assist with review of all Program-related applications and reports and assist with other grant administration correspondence., • Assist with review and processing of all program-related payment requests and contracts., • Track and monitor project portfolio through funding, development, and compliance phases., • Attend, participate, conduct presentations and/or assist with preparation for community development meetings, conferences, webinars and workshops., • Represent the Office of Community Renewal in community development meetings, conferences, and interagency working groups., • Special projects and general Program-related support and assistance, as needed. These positions require occasional travel. Amount of travel varies throughout the year. This job description is not intended to be all inclusive and employee will be expected to perform other reasonably related duties as assigned. Minimum Qualifications and Desired Skills: • Bachelor's degree* planning, economic development, public administration, business, or related field plus work experience in a professional office setting. Government, grants or project management experience a plus., • Two (2) years of experience and/or interest in Housing, Economic and Community Development; Affinity toward technology;, • Strong analytical, organizational and problem-solving skills;, • Understanding of how to work effectively in and with diverse communities;, • Demonstrated experience performing administrative duties with speed and accuracy without immediate and constant supervision., • Ability to communicate effectively both orally and in writing with attention to detail and professionalism in all communications., • Knowledge of Internet and ability to research and retrieve information., • Strong analytical, organizational, and problem-solving skills; self-motivated with ability to work under pressure, while prioritizing and managing multiple tasks., • Database management, database navigation experience., • Experience with reporting software such as Crystal Reports, and PDF forms preferred, • Comprehensive experience with Microsoft Office. Specifically:, • Word Creating new documents, formatting, typing a full range of correspondence, reports, creating templates, proofreading for content, and editing using knowledge of grammar, punctuation, and spelling. Experience using forms, table of contents, and advanced formatting features preferred. • Excel Creating new spreadsheets, recording, arranging, organizing, and formatting data. This includes tracking and monitoring the status of project events or workflows in a detailed spreadsheet format. Ability to work in multiple worksheets, perform calculations, compose formulas and functions such as pivot tables is preferred. *Substitutions: four years of specialized experience or associate degree and two years of specialized experience may substitute for bachelor’s degree; J.D. or master’s degree may substitute for one year of specialized experience; Ph.D. may substitute for two years of specialized experience. Instructions for Applicants: Applicants must include a cover letter and resume for review. Applicants are also encouraged to provide a writing sample that demonstrates their ability to clearly communicate technical concepts or procedures. Resumes not accompanied by a cover letter will be deemed incomplete and will not be considered. Applicants must describe in a cover letter how the applicant meets the minimum qualifications, and how the work experienced outlined in the accompanying resume relates to the available position. Applicants are also encouraged to use the cover letter as an opportunity to identify specific skills, including knowledge of software or database systems that may be useful for this position. WHAT WE OFFER AT NYS HCR: • Extensive benefits package including paid leave, including excellent health, dental, vision and retirement benefits with the New York State & Local Employees’ Retirement System., • Promotional opportunity for dedicated professionals, • Work life balance benefits including a 37.5 hour work week and paid time off benefits including, vacation, sick, personal days, and Federal Holidays, • Opportunity for compressed scheduling, • 12 weeks of Paid Parental Leave, • Paid Family Leave, • As a New York State employee, you may qualify to participate in the Federal Public Service Loan Forgiveness Program (PSLF). The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under an accepted repayment plan and while working full-time for an eligible employer. ABOUT NEW YORK STATE HOMES AND COMMUNITY RENEWAL: Under the leadership of Governor Kathy Hochul and Commissioner RuthAnne Visnauskas, HCR is a vibrant, innovative agency that integrates and leverages New York State’s housing resources. We have offices in New York City, Albany, Buffalo and Syracuse, and employ a diverse workforce of professionals who are hard-working and committed to serving low and moderate income families. Our mission is far reaching, encompassing single and multifamily housing finance, home improvement, rent regulation, housing subsidies, and community development. We partner regularly with a variety of public and private stakeholders. Achieving this mission requires a wide range of skills and backgrounds in public policy, administration, real estate, construction. finance, law, and many other areas of expertise. We seek to provide a workplace environment that is productive, flexible, accountable, ethical, and caring. Our employees are empowered to make a difference where they live and work. We offer competitive pay and a comprehensive benefits package, including paid leave, health, dental, vision, retirement, and family-friendly policies. New York State is an Equal Opportunity Employer (EOE)

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: Performs all required functions as they relate to real estate loan processing, as described in duties and responsibilities. This includes managing a pending real estate loan application queue, following up with members on gathering needed information and recommending the best option to meet the member needs with the goal of approving and scheduling a closing in a timely manner. Duties & Responsibilities • Process Consumer residential real estate loans, such as Home Equity LOC’s & Easy Street Mortgages. Working closely with Consumer Underwriting and the Home Equity Coordinator to accurately document the important details of the loan., • Review appraisals, consumer credit reports, flood certifications, title/stub searches & documentation received. Make detailed comments and present findings to Consumer Underwriting., • Processes all consumer and real estate loan-closing documents, which include affidavits and payoffs., • Once loan is approved, prepare commitment package., • Utilize skills, knowledge and experience to best meet member needs to communicate, document and make recommendations., • Maintain knowledge of credit union products and services., • Organize and prioritize responsibilities as they relate to job functions., • All other duties that may be assigned.Requirements:, • one to two years of similar or related experience in Real Estate Loan Processing., • Strong organizational skills., • Ability to work with members and staff tactfully and professionally, both in person and on the phone., • Have general computer knowledge Excel and Word in order to create documents, letters, spreadsheets and templates. Interpersonal skills and ability to communicate clearly while handling multiple priorities. Work Schedule: Monday - Friday. 8:15am - 5:00pm, Rotating Saturdays Work Location: Fully On-Site

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 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 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 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 Underwriter is responsible for evaluating risk and making loan decisions based on existing underwriting guidelines and information and documentation provided in the loan file. The Underwriter will be responsible for completing the following job duties. • Reviews conditions on files within posted turn times, • Completes underwrite on files submitted to underwriting for approval within posted turn times, • Provides feedback on loan quality to the Underwriting Manager, • Mentors and develops processing staff and loan officers, • Maintains a unified voice with fellow underwriters on underwriting guidance, • Escalates files issues not covered in our guidelines to Underwriting Manager for guidance, • Communicates decisions to all internal parties, • Works jointly with co-workers to respond to concerns of quality on files, such as QC, PETR, NOR or audit/clarification requests from different managers or departments, • Stays up to date on changing rules and regulations pertaining to conventional and government-insured mortgages, • Meets the required KPI standards for the position (6 units per day based on weighted scale), • Training 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. The following qualification are required of the Underwriter. 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 underwritingSkills:, • Customer service, • Time management, • Written communication, • Verbal communication, • Team player, • Able to multi-task, • Detail orientated, • Organizational, • Problem solving, • Independent Judgement The following equipment is used daily by the Underwriter and provided by Premium Mortgage. • Computer, • Phone, • Printer/copier/fax machine, • Excel and word programs, • Encompass software The 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. The following is a description of the physical requirements on a daily basis for the Underwriter. 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 $75,000 - $90,000, yearly. 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.

The Senior Retirement Plan Consultant will work directly with the Retirement Plan Administration department and will report to the Director of Retirement Plan Services. Position objective is to be primary contact for TBC’s retirement and pension plan clients and to perform third party administration duties for qualified retirement plans. The candidate will provide high-level consulting, compliance, and relationship management services for a portfolio of defined contribution retirement plans, primarily 401(k) and profit sharing plans. The ideal candidate will possess strong technical knowledge of ERISA and Internal Revenue Code qualification requirements, excellent client communication skills, and the ability to manage complex plan administration and consulting matters with minimal supervision. This role serves as a senior technical resource to clients, advisors, recordkeepers, and internal staff while helping ensure operational compliance, timely completion of annual plan requirements, and delivery of exceptional client service. Essential Duties and Responsibilities Client Consulting & Relationship Management • Serve as primary consultant and relationship manager for a book of defined contribution retirement plan clients, including 401(k), profit sharing, safe harbor, and new comparability/cross-tested plans., • Provide proactive consulting regarding plan design, compliance, operational issues, fiduciary considerations, and regulatory developments., • Conduct client meetings and communicate complex retirement plan concepts in a practical and understandable manner., • Coordinate with financial advisors, recordkeepers, payroll providers, auditors, ERISA counsel, and other service providers., • Assist clients with retirement plan strategy, contribution optimization, and correction of operational failures., • Respond timely to client inquiries and provide high-quality service and technical support. Compliance & Plan Administration • Oversee annual administration and compliance testing for qualified retirement plans, including: o ADP/ACP testing o Coverage testing o Top-heavy testy o Nondiscrimination testing o IRC Section 402(g), 404, 410(b), 401(a)(4), 415, and 416 compliance • Review and analyze census data, compensation definitions, eligibility tracking, and allocation calculations., • Review and approve annual valuation reports, participant allocations, and trust reconciliations., • Coordinate and review Form 5500 and related annual filings., • Monitor required minimum distributions, loan compliance, hardship distributions, and distribution processing rules., • Assist with plan corrections under EPCRS, including SCP and VCP submissions where applicable., • Review plan documents and amendments to ensure operation consistency and legal compliance., • Assist with plan terminations, mergers, acquisitions, and conversion projects. Qualifications Required • Minimum of seven (7) years of experience in retirement plan administration and consulting with a focus on defined contribution plans., • Strong working knowledge of ERISA and Internal Revenue Code qualification requirements applicable to 401(k) and profit sharing plans., • Experience with compliance testing, Form 5500 preparation/review, and plan operational consulting., • Ability to independently manage a client caseload and multiple deadlines., • Strong analytical, organizational, and problem solving skills., • Excellent verbal and written communication skills., • Proficiency with retirement plan administration and case management software, namely FTWilliam, PensionPro, and Microsoft Excel. Preferred • ASPPA credentials such as QKA, QKC, QPA, CPC, or similar professional designation., • Bachelor’s degree in accounting, finance, business, economics, mathematics, or related field., • Experience with plan corrections and consulting on complex plan design matters., • Experience working with multiple recordkeeping platforms, namely American Funds/Capitol Group, Empower, Principal, John Hancock, & Transamerica. Work Environment • Professional office or hybrid work environment (remote work for the ideal candidate)., • Ability to manage multiple deadlines during peak compliance periods., • Occasional client meetings or travel may be required. Issues arising within the pension department that cannot be resolved within the department will be referred to shareholders of Teal, Becker and Chiaramonte CPAs, P.C. Shareholders have final authority and responsibility for all Firm policy decisions, except to the extent delegated to individual shareholders within the firm’s organization hierarchy. As an Equal Opportunity employer, Teal, Becker & Chiaramonte CPAs, P.C. will not discriminate in its employment practices due to an applicant's race, creed, religion, color, citizenship, national origin, sex, age, sexual orientation, predisposing genetic characteristics, gender identification, genetic information, familial status, marital status, pregnancy, status as a domestic violence victim, criminal conviction, disability, military status, disabled veteran, recently separated veteran, Armed Forces Service Medal veteran, active duty or wartime campaign badge veteran, or other characteristic as protected by law. Compensation details: 70000-90000 Yearly Salary PIa8746c90bde3-37820-40560645

Job DescriptionDescription: Highly motivated individual who demonstrates a positive, outgoing, and influential personality when providing world-class member services to ensure that members expectations are exceeded during every interaction. The ideal candidate will maximize every opportunity to advertise e-services and increase membership along with promoting consumer and real estate loans via telecommunication and email. Duties & Responsibilities • Provides an unsurpassed level of member service, meeting and exceeding their expectations with every interaction., • Responsible for having a thorough knowledge of all products and services offered by the credit union, including but not limited to shares, consumer loans, and e-services., • Provide telephone and virtual coverage for the Contact Center which has the responsibility of providing credit union services to members via the telephone, internet, mail and the Face2Face video service., • Participates in the Sales Incentive Program, providing Consumer and Real Estate loan referrals to Loan Experts or Branch Managers., • Open new share IDs and, through the interview process, cross-sell additional products to best benefit the member needs, and meet Contact Center goals., • Explain credit union services and prepare forms necessary for those services and either mail or DocuSign to members in a timely manner. Follow correspondence through to a timely end and ensure that member issues are resolved., • Efficiently provides servicing for all accounts and loans issues or concerns. Ensures that requests are processed correctly and completed in a timely fashion. Escalates more complex issues to management as appropriate., • Follows policies and procedures applicable to the MSS position to maintain compliance with government and credit union regulations, including but not limited to the Bank Secrecy Act., • Perform and assist with FNY Express Teller transactions as needed to ensure an unsurpassed level of service is provided to members. Monitors all machine statuses and escalates any issues as needed., • Performs shared branch transactions for guest members at the Express Teller., • Provides credit and debit card activation, as well as Instant Issue cards when needed., • Reset online passwords for members for First Online., • Troubleshoot credit and debit card issues when they arise, such as fraudulent activity and breaches. Initiates disputes when appropriate., • Provides quotes on consumer loan payoffs. Requests mortgage payoffs from the appropriate department., • Perform telephone transfers, stop payments and various other transactions in accordance with credit union procedures., • Thoroughly explain to member interest rates and how they are computed and disclosed., • Excellent communication and writing skills necessary to assist Live Person Requests., • Well versed in Online Account Opening and My Deposit, home and mobile banking suite of products in order to provide excellent member service., • Process and approve checks deposited through home and mobile banking., • Complete asset verification requests from Social Security/Medicaid.Requirements:, • High School graduate., • Previous financial branch credit union/bank experience., • Must be able to respect confidential information., • Must have a working knowledge of a PC, and a thorough knowledge of the core operating system., • Must have excellent verbal communication skills including impeccable telephone skills., • Must possess a desire to cross sell members during incoming and outbound telephone calls or internet email., • Must maintain a positive attitude with members and a cooperative attitude with other employees., • Must have excellent processing/information gathering skills., • Must have good typing/word processing skills., • Must have excellent organizational skills., • Must be comfortable multitasking in a fast-paced environment. Work Schedule: Monday: 8:45am - 6:00pm Tuesday: 9:00am - 6:00pm Wednesday: 9:00am - 6:00pm Thursday: 9:00am - 5:00pm Friday: 9:00am - 5:00pm Saturday: 8:45am - 1:00pm Rotational (Bi-Monthly) Work Location: Fully On-Site

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