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Location: Houston, Texas General Summary The Senior Underwriter reviews and underwrites mortgage files, inclusive of FHA, VA, USDA, Jumbo and conventional loans, to underwriting guidelines and will identify, analyze, and balance transactional, borrower, and property-related risks and offsets to arrive at a decision. The Senior Underwriter will be assigned an approved credit authority based on designations and will review loans within their credit authority. The Senior Underwriter also assists other team members providing consistency in credit quality and decisions, process flow, customer service and risk control as well as timely and accurate decisions to help meet production goals and perform within department audit standards. Duties and Responsibilities The primary job duties and responsibilities of this position include but are not limited to: Prioritize, receive & review loan file packages for accuracy and completeness, according to the guidelines established by the Envoy, Fannie Mae, Investors, and Federal/State Regulations within 48 hours of receipt or the current posted SLA for the applicable transaction Review all documentation submitted as part of the mortgage application process to validate completeness and accuracy Advise origination staff on underwriting questions and loan salability, and work to achieve closing deadlines Examine and analyze borrower employment information, credit strength, property characteristics, assets, liabilities, income and debt and other information pertinent to the credit decision, on each mortgage application Evaluate and review appraisal reports and collateral issues related to the subject property to determine property meets required guidelines Upload and file applicable documents into Imaging system Order mortgage insurance; all required fraud guard tools Recalculate & re-verify supporting documentation and complete audit checklists before submitting for UW 2nd level review, as applicable Advise if any underwriting problems and recommend corrective action to loan production personnel impacting Pre-Approval decision Communicate with appropriate parties, both verbally and in writing, regarding the loan decision and requirements Review final conditions and approve or reject conditions as applicable, within prescribed authority, notifying branch personnel of status Review loans for second signature when credit authority level allows Consult with the Processing to ensure all underwriting conditions are met prior to issuing Clear to Close Approval or when declining a Loan Utilize Automated Underwriting Systems (AUS) such as Desktop Underwriter (DU) and Loan Prospector (LP) and Guaranteed Underwriting System (GUS) to assist in the rendering of the loan decision Remain informed of financial institution operating policies and procedures and banking regulations, state and federal Demonstrate a clear understanding of the current RESPA laws and guidelines Responsible for retaining and applying changes in loan underwriting requirements Meet the required production standards as outlined by company policy Function as a technical resource for underwriters and answer procedural, product, and system questions for all department personnel Assist in management of workload for team members and ensure service levels are met Partners with other department managers for process improvement opportunities that will improve quality and move loans more quickly through the pipeline Participate in underwriting meetings to ensure understanding of changes to both underwriting guidelines and procedures This position may require occasional overtime and travel Additional duties as assigned THIS JOB DESCRIPTION IS NOT INTENDED TO BE ALL-INCLUSIVE. THE INCUMBENT WILL ALSO PERFORM OTHER REASONABLY  RELATED BUSINESS DUTIES AS ASSIGNED BY MANAGEMENT. Qualifications Listed below are the minimum qualifications required to successfully perform this role. These qualifications are necessary for someone to be  considered for this position. Qualifications include: High School Diploma or equivalent, required, with continuing education in mortgage banking and/or finance, a plus 7+ years of mortgage banking experience, with at least 3 years Underwriting experience preferred Working knowledge of VA, Conventional, FHA, USDA, Bond, Jumbo, 203k loans, complex tax returns Active DE, LAPP, SAR and USDA designations as required in designated markets, preferred Must have excellent customer service skills, able to work in a team environment Proficiency with Microsoft Office, including Word, Excel, and Outlook are required Proficiency with Loan Origination Systems (LOS) required, Encompass experience preferred Proficiency with Desktop Underwriter and Loan Prospector and GUS preferred Analytical with good attention to detail Able to make accurate and timely decisions using good judgment and able to work independently Ability to review documents and spot inconsistencies and errors Strong math skills and the ability to accurately calculate income in accordance with standard industry practice Ability to review appraisals, assess accurate and appropriate data, and determine collateral acceptability Ability to review guidelines, memos, manuals; absorb and comprehend information; incorporate changing guidelines into everyday work Excellent verbal and written communication skills required Ability to work within a fast-paced environment that often demands multiple tasks in a short time frame Position may work from home or at regional center locations Physical Requirements The employee must occasionally lift and/or move up to 25 pounds Specific vision abilities required by this job include close vision While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel; reach with  hands and arms; and talk or hear The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch or crawl We are an equal opportunity employer and value diversity. All employment is decided on the basis of qualifications, merit and business need. We are committed to creating an inclusive environment for all employees.

Location: Louisville, KY General Summary The Loan Originator Assistant (LOA) is a key front-line sales support branch employee with direct communication with Clients and Realtors. The LOA is responsible for assisting with loan files and providing administrative support functions to assigned Originators or managers within the branch. The LOA should project an outgoing personality and can self-motivate toward results. This position may also provide an opportunity to become a licensed loan originator, which includes completing additional state licensing requirements. Duties and Responsibilities The primary job duties and responsibilities of this position include but are not limited to: Facilitate the completion of loan applications, coordinate collection of documentation including credit reports, run DU/LP/AUS, prepare loan files for processing, and send closing cost worksheet to borrowers Coordinate discussions between the Loan Originator, referral partners, and clients as a primary contact throughout the lifecycle of the loan process, and arrange meetings to ensure any follow-up actions are completed Promote Envoy's products to Real Estate Agents, Home Buyers, leads, and referral sources while tracking and managing follow ups Assist Loan Processor with putting scenarios together for prospective clients (researching client scenarios with underwriting and investor guidelines) Assist with call backs to prospects that require a phone consult prior to a face to face or virtual meeting Assist in managing a pipeline consisting of conventional, FHA, VA, and USDA loans, along with 203K and reverse mortgage products Request and gather relevant information/documents from the borrower to complete the application, its structure and all loan disclosures Follow up and respond to customer and in-house inquiries on transactions to offer superior customer service Enter loan applications into Loan Origination System (LOS) and assign to Originator/LOA Review all loan package paperwork checking for inconsistencies, omissions, and inaccurate income calculations, reporting any errors to the Originator Call and obtain conditions from borrowers and Realtors to clear conditions, as necessary Review documents and entire loan files and work to prevent problems by highlighting deficiencies Monitor the process and communicate effectively with the borrower and all other parties to the transaction on the status of the loan Understand and research investor guidelines and stay up to date on program changes that effect the processing or originating of loans in pipeline Submit complete files to processing based on Investor and/or AUS requirements Communicate loan approval by sending pre-approval/commitment letters to all parties involved in transaction Responsible for periodic status calls to all parties involved in transaction (Clients, Realtors, Builder, etc.) Send out correspondence -- Thank you cards, Closing Cost Calculators, etc. Order Appraisals and 3rd party services (VOE, Title, certifications, and related documents to create loan packages for processing Coordinate Closing details with Client -- Final Payment, rate, Cash to Close, etc. Review all closing statements, compare to signed loan estimate worksheet before signings and correct discrepancies Review & create disclosure and re-disclosure packages and deliver to the borrower Deliver appraisals and/or property valuations to the borrower and document proof of receipt Facilitate timely closings by working directly with the Title Company and customer to schedule Develop complete knowledge of Envoy's products, systems, and competitive advantages Become familiar with Envoy's process, policies, and procedures Maintain regular attendance and able to work in the office Monday-Friday during regular office hours, plus potential overtime, as necessary General clerical and phone support, as needed. Additional duties as assigned Under no circumstances will the Loan Originator Assistant engage in any of the following tasks: Quoting rates Offering or negotiating the terms of a mortgage loan Taking a mortgage loan application Any other activities that require a Loan Originator License Qualifications High school diploma or equivalent, Bachelor's degree is a plus 1+ years of experience as a LOA/Loan Partner preferred Knowledge of Microsoft Excel, Word, and Outlook Ability to learn, or have past in-depth experience, in a customer facing role Ability to analyze issues and create effective resolutions, while managing multiple projects concurrently Ability to process, organize and interpret large amounts of data, which reflects loan files Excellent customer service skills and adept at working in a team environment Must be a self-starter who is reliable, detail oriented with the ability to resolve issues Exceptional follow-up, time management, interpersonal, and verbal and written communication skills Willingness to learn, self- motivated, social media savvy and a forward thinker Physical Requirements The employee must occasionally lift and/or move up to 25 pounds Specific vision abilities required by this job include close vision While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel; reach with hands and arms; and talk or hear The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch or crawl Job Type: Non-Exempt Compensation: $18-20/hour Benefits: (Full-Time) - Health Insurance - Paid Time Off (PTO) - Paid Holidays - 401(k) Schedule: Monday to Friday We are an equal opportunity employer and value diversity. All employment is decided on the basis of qualifications, merit and business need. We are committed to creating an inclusive environment for all employees.

Location: Louisville, Kentucky General Summary The Loan Originator Assistant (LOA) is a key front-line sales support branch employee with direct communication with Clients and Realtors. The LOA is responsible for assisting with loan files and providing administrative support functions to assigned Originators or managers within the branch. The LOA should project an outgoing personality and can self-motivate toward results. This position may also provide an opportunity to become a licensed loan originator, which includes completing additional state licensing requirements. Duties and Responsibilities The primary job duties and responsibilities of this position include but are not limited to: Facilitate the completion of loan applications, coordinate collection of documentation including credit reports, run DU/LP/AUS, prepare loan files for processing, and send closing cost worksheet to borrowers Coordinate discussions between the Loan Originator, referral partners, and clients as a primary contact throughout the lifecycle of the loan process, and arrange meetings to ensure any follow-up actions are completed Promote Envoy's products to Real Estate Agents, Home Buyers, leads, and referral sources while tracking and managing follow ups Assist Loan Processor with putting scenarios together for prospective clients (researching client scenarios with underwriting and investor guidelines) Assist with call backs to prospects that require a phone consult prior to a face to face or virtual meeting Assist in managing a pipeline consisting of conventional, FHA, VA, and USDA loans, along with 203K and reverse mortgage products Request and gather relevant information/documents from the borrower to complete the application, its structure and all loan disclosures Follow up and respond to customer and in-house inquiries on transactions to offer superior customer service Enter loan applications into Loan Origination System (LOS) and assign to Originator/LOA Review all loan package paperwork checking for inconsistencies, omissions, and inaccurate income calculations, reporting any errors to the Originator Call and obtain conditions from borrowers and Realtors to clear conditions, as necessary Review documents and entire loan files and work to prevent problems by highlighting deficiencies Monitor the process and communicate effectively with the borrower and all other parties to the transaction on the status of the loan Understand and research investor guidelines and stay up to date on program changes that effect the processing or originating of loans in pipeline Submit complete files to processing based on Investor and/or AUS requirements Communicate loan approval by sending pre-approval/commitment letters to all parties involved in transaction Responsible for periodic status calls to all parties involved in transaction (Clients, Realtors, Builder, etc.) Send out correspondence -- Thank you cards, Closing Cost Calculators, etc. Order Appraisals and 3rd party services (VOE, Title, certifications, and related documents to create loan packages for processing Coordinate Closing details with Client -- Final Payment, rate, Cash to Close, etc. Review all closing statements, compare to signed loan estimate worksheet before signings and correct discrepancies Review & create disclosure and re-disclosure packages and deliver to the borrower Deliver appraisals and/or property valuations to the borrower and document proof of receipt Facilitate timely Closings by working directly with the Title Company and customer to schedule Develop complete knowledge of Envoy's products, systems, and competitive advantages Become familiar with Envoy's process, policies, and procedures Maintain regular attendance and able to work in the office Monday-Friday during regular office hours, plus potential overtime, as necessary General clerical and phone support, as needed. Additional duties as assigned Under no circumstances will the Loan Originator Assistant engage in any of the following tasks: Quoting rates Offering or negotiating the terms of a mortgage loan Taking a mortgage loan application Any other activities that require a Loan Originator License Qualifications High school diploma or equivalent, Bachelor's degree is a plus 1+ years of experience as a LOA/Loan Partner, Processor, Loan Officer, and/or Underwriter preferred Knowledge of Microsoft Excel, Word, and Outlook Working knowledge / Proficiency in Desktop Underwriter/Desktop Originator (DU/DO), Loan Prospector (LP), and originating systems, Encompass experience preferred Ability to learn, or have past in-depth experience, in mortgage banking process, with a preference in residential mortgage banking Ability to analyze issues and create effective resolutions, while managing multiple projects concurrently Ability to process, organize and interpret large amounts of data, which reflects loan files Excellent customer service skills and adept at working in a team environment Must be a self-starter who is reliable, detail oriented with the ability to resolve issues Exceptional follow-up, time management, interpersonal, and verbal and written communication skills Willingness to learn, self- motivated, social media savvy and a forward thinker Physical Requirements The employee must occasionally lift and/or move up to 25 pounds Specific vision abilities required by this job include close vision While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel; reach with hands and arms; and talk or hear The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch or crawl Job Type: - Non-Exempt Compensation: - Regular Pay: $12.00 - $19.00/hour Supplemental Pay: - Bonus Pay (eligible) Exact compensation may vary based on skills, experience, and location. Benefits: (Full-Time) - Health Insurance - Paid Time Off (PTO) - Paid Holidays - 401(k) Schedule: - Monday to Friday We are an equal opportunity employer and value diversity. All employment is decided on the basis of qualifications, merit and business need. We are committed to creating an inclusive environment for all employees.

Location: Boise, ID General Summary The RELO’s primary duty is making sales of residential mortgage loan products to home buyers.  The RELO is a salesperson who is customarily and regularly engaged in making sales away from Envoy’s branch offices or the RELO’s home office. Loan origination activities constitute no more than 25% of the RELO’s time, which is primarily spent conducting sales activities. Duties and Responsibilities The primary job duties and responsibilities of this position include but are not limited to: Create sales opportunities by promoting Envoy’s loan products to other realtors, builders, home buyers, and referral sources Generate and qualify leads and meet with potential clients Develop and maintain relationships with potential clients Solicit & procure new loan applications by meeting with and presenting loan products to potential clients Educate home buyers on current loan product offerings and programs for which they qualify Meet with potential home buyers in homes listed for sale and real estate offices to make sales pitches Ensure all marketing is performed in a manner that is compliant Use Envoy’s point of sale system to create new loan applications Provide dual capacity disclosure and if applicable, affiliated business arrangement disclosure to potential clients Take regular sales training Work primarily away from Envoy’s office without set hours Is primarily commission-based based on performance Assist with collection of financial information (tax returns, bank statements, etc.) and other related documents that are required as part of the application process Request and gather relevant information/documents from the borrower to complete the application, its structure and all loan disclosures Authorize credit reports, appraisals, flood certifications, and title work Ensure maintenance of active real estate and NMLS licenses Comply with local, state and federal laws regarding position Adhere to all Envoy standards, including, but not limited to production minimums and customer service Conduct business in an ethical manner and in the best interest of Envoy, with Envoy’s core values in mind Any additional duties as assigned THIS JOB DESCRIPTION IS NOT INTENDED TO BE ALL-INCLUSIVE.  THE INCUMBENT WILL ALSO PERFORM OTHER REASONABLY RELATED BUSINESS DUTIES AS ASSIGNED BY MANAGEMENT. Qualifications Listed below are the minimum qualifications required to successfully perform this role. These qualifications are necessary for someone to be considered for this position. Qualifications include: Strong sales experience and sales expertise Licensed real estate agent or broker Must have NMLS and SAFE, UST, preferred. High school diploma or equivalent, Bachelor’s degree is preferred Knowledge of Microsoft Excel, Word and Outlook Knowledge of mortgage loan products (FHA/VA/CONV) Exceptional follow-up, time management, interpersonal, and verbal and written communication skills Willingness to learn, self- motivated, social media savvy and a forward thinker Excellent customer service skills and working in a team environment Excellent interpersonal, verbal and written skills are a must Must be a self-starter who is reliable, detail oriented and the ability to resolve issues Strong relationship building a must, along with strong written and verbal communication skills Ability to analyze issues and create effective resolutions, while managing multiple projects at one time Physical Requirements The employee must occasionally lift and/or move up to 25 pounds Specific vision abilities required by this job include close vision While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel; reach with hands and arms; and talk or hear The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch or crawl We are an equal opportunity employer and value diversity. All employment is decided on the basis of qualifications, merit and business need. We are committed to creating an inclusive environment for all employees.

Location: Oregon General Summary The RELO’s primary duty is making sales of residential mortgage loan products to home buyers.  The RELO is a salesperson who is customarily and regularly engaged in making sales away from Envoy’s branch offices or the RELO’s home office. Loan origination activities constitute no more than 25% of the RELO’s time, which is primarily spent conducting sales activities. Duties and Responsibilities The primary job duties and responsibilities of this position include but are not limited to: Create sales opportunities by promoting Envoy’s loan products to other realtors, builders, home buyers, and referral sources Generate and qualify leads and meet with potential clients Develop and maintain relationships with potential clients Solicit & procure new loan applications by meeting with and presenting loan products to potential clients Educate home buyers on current loan product offerings and programs for which they qualify Meet with potential home buyers in homes listed for sale and real estate offices to make sales pitches Ensure all marketing is performed in a manner that is compliant Use Envoy’s point of sale system to create new loan applications Provide dual capacity disclosure and if applicable, affiliated business arrangement disclosure to potential clients Take regular sales training Work primarily away from Envoy’s office without set hours Is primarily commission-based based on performance Assist with collection of financial information (tax returns, bank statements, etc.) and other related documents that are required as part of the application process Request and gather relevant information/documents from the borrower to complete the application, its structure and all loan disclosures Authorize credit reports, appraisals, flood certifications, and title work Ensure maintenance of active real estate and NMLS licenses Comply with local, state and federal laws regarding position Adhere to all Envoy standards, including, but not limited to production minimums and customer service Conduct business in an ethical manner and in the best interest of Envoy, with Envoy’s core values in mind Any additional duties as assigned THIS JOB DESCRIPTION IS NOT INTENDED TO BE ALL-INCLUSIVE.  THE INCUMBENT WILL ALSO PERFORM OTHER REASONABLY RELATED BUSINESS DUTIES AS ASSIGNED BY MANAGEMENT. Qualifications Listed below are the minimum qualifications required to successfully perform this role. These qualifications are necessary for someone to be considered for this position. Qualifications include: Strong sales experience and sales expertise Licensed real estate agent or broker Must have NMLS and SAFE, UST, preferred. High school diploma or equivalent, Bachelor’s degree is preferred Knowledge of Microsoft Excel, Word and Outlook Knowledge of mortgage loan products (FHA/VA/CONV) Exceptional follow-up, time management, interpersonal, and verbal and written communication skills Willingness to learn, self- motivated, social media savvy and a forward thinker Excellent customer service skills and working in a team environment Excellent interpersonal, verbal and written skills are a must Must be a self-starter who is reliable, detail oriented and the ability to resolve issues Strong relationship building a must, along with strong written and verbal communication skills Ability to analyze issues and create effective resolutions, while managing multiple projects at one time Physical Requirements The employee must occasionally lift and/or move up to 25 pounds Specific vision abilities required by this job include close vision While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel; reach with hands and arms; and talk or hear The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch or crawl We are an equal opportunity employer and value diversity. All employment is decided on the basis of qualifications, merit and business need. We are committed to creating an inclusive environment for all employees.

Location: Phoenix, AZ General Summary The Producing Branch Manager ‘s primary job functions are to effectively recruit, coach, manage, and motivate a high-performance origination team and support staff while also developing personal production.  The Branch Manager is also responsible for the day-to-day originations activities of their branch(s) and overall origination processes within defined targeted goals. Duties and Responsibilities The primary job duties and responsibilities of this position include but are not limited to: Promote Envoy’s products to Real Estate Agents, Home Buyers, other lead sources and all referral sources Provide leadership for all branch employees by always adhering to the highest ethics, fair and equal treatment of all employees, business partners, and loan applicants. Acts as a mentor to Mortgage Loan personnel to improve their knowledge of policies and procedures, loan programs, investor guidelines Keeps abreast of changes to company policies and procedures, secondary market investors and changes in Federal regulations pertaining to mortgages Must have working knowledge of applicable federal regulations Work closely with the Senior Management, to be innovative in terms of new origination opportunities Manage Branch revenue and expenses to meet the Company’s objectives Procure new loan applications that result in funded loans Adhere to all Envoy standards, including, but not limited to production minimums and customer service Stay current on personal finance principles in order to offer comprehensive mortgage advice to clients Monitor processes and communicate effectively with the borrower and all other parties to transactions on the status of loans Stay current with required continuing education, new products, Freddie Mac and Fannie Mae guidelines, Envoy guidelines and overlays, and HUD guidelines Ensure all marketing is performed in a manner that is compliant Ensure maintenance of a current license to perform Origination duties within their assigned branch Adhere to all Envoy standards, including, but not limited to production minimums and customer service Comply with company policies, local, state and federal laws regarding position and supervision of employees Conduct business in an ethical manner and in the best interest of Envoy, with Envoy’s core values in mind Any additional duties that may be assigned THIS JOB DESCRIPTION IS NOT INTENDED TO BE ALL-INCLUSIVE. THE INCUMBENT WILL ALSO PERFORM OTHER REASONABLY  RELATED BUSINESS DUTIES AS ASSIGNED BY MANAGEMENT. Qualifications Listed below are the minimum qualifications required to successfully perform this role. These qualifications are necessary for someone to be  considered for this position. Qualifications include: High School diploma or equivalent is required, Bachelor’s Degree in Business, Finance or related field, preferred 7 years related experience and/or training; or equivalent combination of education and experience in mortgage origination, with 2+ years related Branch Management, preferred 2 years’ experience in sales leadership role managing Loan Originators, preferred Demonstrated success in growing sales and revenue goals Average of $500,000 in personal monthly volume or $3 MM (or 6 units) average monthly team volume, preferred minimum Proven leadership skills with demonstrated capacity in management/motivation of employees In-depth knowledge of mortgage loan products (FHA/VA/CONV/USDA), processes, procedures, and documentation Working knowledge / Proficiency in Desktop Underwriter/Desktop Originator (DU/DO), Loan Prospector (LP), and originating systems, Encompass experience, preferred Demonstrated proficiency with Microsoft Excel, Word and Outlook Exceptional follow-up, time management, interpersonal, and verbal and written communication skills Commitment to high standards and adherence to company policy Ability to manage priorities and workflow Ability to make timely and sound decisions Must hold State NMLS or obtain applicable State license within 90 days of employment or employment will be terminated Satisfactorily pass background check Physical Requirements The employee must occasionally lift and/or move up to 25 pounds Specific vision abilities required by this job include close vision While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel; reach with  hands and arms; and talk or hear The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch or crawl We are an equal opportunity employer and value diversity. All employment is decided on the basis of qualifications, merit and business need. We are committed to creating an inclusive environment for all employees.

Location: Rockford, IL General Summary As a Loan Originator with Envoy Mortgage we provide you with a high standard of service, support and tools, with one goal in mind -- Improving Lives! By listening to our originators and leveraging our teams and resources, we create a work environment poised for success while remaining a competitive lender and employer in the mortgage industry. Through this business approach Envoy Mortgage has been awarded Top Mortgage Employer by Mortgage Professional, 50 Best Companies to Work for by Mortgage Executive Magazine, and the Top Tech Housing Award many years running. Come join us, and be part of a team where your success, is our success! General Summary The Loan Originator provides residential mortgage loans and generates leads to increase production. The Originator obtains purchase and refinance mortgage loans in accordance with established company policies and procedures and industry guidelines by calling upon realtors; builders; past clients and referral partners; while providing strong communication and support to management, production staff, underwriting, and customers. Duties and Responsibilities The primary job duties and responsibilities of this position include but are not limited to: Promote Envoy's products to Real Estate Agents, Home Buyers, other lead sources and all referral sources. Prospect & procure new loan applications by meeting with and presenting products to potential referral sources such as realtors, CPAs, financial planners and past clients that result in funded loans Educate borrowers on current offerings and programs for which they qualify Ensure all marketing is performed in a manner that is compliant Create & maintain data from new loan applications and other documents in origination system Reviews loans in process daily and determine priorities Performs document audit and resolves exceptions to approve (or reject) loan packages for funding Receive & process Change of Circumstances (CoC) and resubmit loan package, ensuring compliance with Fannie Mae and Freddie Mac Re-disclose all new loans when there is a Change of Circumstance (CoC) Generate and distribute Decline/Rejection letters to borrows not meeting minimum requirements, in compliance with industry guidelines and regulations Authorize and/or order credit reports, appraisals, flood certifications, and title work Defers loans that do not meet basic standards to Underwriter Provides follow-up on a consistent basis with internal staff, borrowers, and agents to complete processing Analyzes loan files and submits completed loans for approval Responds to inquiries from agents/referral partners and borrowers regarding status of loans in process. Maintains status of all files in process and updates as needed; keeps abreast of all FHA, VA, and conventional guidelines and changes that may affect loan status Request and gather relevant information/documents from the borrower to complete the application, its structure and all loan disclosures, in coordination with processing as well as underwriting Monitor the process and communicate effectively with the borrower and all other parties to the transaction on the status of the loan Present complete and accurate files to the Processor Ensure maintenance of active NMLS license and stay current with required continuing education, new products, Freddie Mac and Fannie Mae guidelines, Envoy guidelines and overlays, and HUD guidelines Comply with local, state and federal laws regarding position Adhere to all Envoy standards, including, but not limited to production minimums and customer service Conduct business in an ethical manner and in the best interest of Envoy, with Envoy's core values in mind Stay current on personal finance principles in order to offer comprehensive mortgage advice to clients May work more than 50% of the time out the office, is non-exempt and primarily commission-based Any additional duties as assigned THIS JOB DESCRIPTION IS NOT INTENDED TO BE ALL-INCLUSIVE. THE INCUMBENT WILL ALSO PERFORM OTHER REASONABLY RELATED BUSINESS DUTIES AS ASSIGNED BY MANAGEMENT. Qualifications include: High school diploma or equivalent, Bachelor's degree is preferred 3+ years of experience as a Loan Originator, LOA or Processor, 5+ years preferred Knowledge of Microsoft Excel, Word and Outlook In-depth knowledge of mortgage loan products (FHA/VA/CONV/USDA) and knowledge of mortgage processes, procedures, and documentation Working knowledge / Proficiency in Desktop Underwriter/Desktop Originator (DU/DO), Loan Prospector (LP), and originating systems, Encompass experience preferred Exceptional follow-up, time management, interpersonal, and verbal and written communication skills Willingness to learn, self- motivated, social media savvy and a forward thinker Excellent customer service skills and working in a team environment Excellent interpersonal, verbal and written skills are a must Must be a self-starter who is reliable, detail oriented and the ability to resolve issues Strong relationship building a must, along with strong written and verbal communication skills Ability to analyze issues and create effective resolutions, while managing multiple projects at one time. Must have NMLS and SAFE, UST, preferred, or able to obtain applicable State NMLS license within 30 - 90 days of employment or employment will be terminated. Physical Requirements The employee must occasionally lift and/or move up to 25 pounds Specific vision abilities required by this job include close vision While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel; reach with hands and arms; and talk or hear The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch or crawl Job Type: - Non-Exempt Compensation: - Regular Pay: $7.25 - $15.00/hour Supplemental Pay: - Commission Pay NOTE: The Pay Range indicated may vary based on skills, experience, and location once a candidate is selected. - Bonus Pay (eligible) Benefits: (Full-Time) - Health Insurance - Paid Time Off (PTO) - Paid Holidays - 401(k) We are an equal opportunity employer and value diversity. All employment is decided on the basis of qualifications, merit and business need. We are committed to creating an inclusive environment for all employees.

Location: US - Remote At Transactly, now proudly a PLACE-owned company , we’re not just coordinating real estate transactions—we’re elevating the client experience. Through our powerful platforms, and a team of top-performing TCs , we’re setting new standards for professionalism, white-glove service, and technology-powered excellence. We’re actively hiring experienced Transaction Coordinators who are ready to grow with us—by serving PLACE-level agents and teams with unmatched attention, care, and consistency. This is more than a job. It’s a partnership in excellence, where your work is amplified by powerful systems, coaching, and opportunity. What You’ll Do Deliver white-glove transaction coordination to clients procured by Transactly Provide listing coordination for high-volume real estate professionals Operate confidently inside Transactly's tech platform for task management and communication Maintain transaction records and updates within Brivity , PLACE’s tech platform Practice proactive, professional communication with clients, agents, and co-op partners Contribute insights and feedback to improve our platform, service model, and team culture Step confidently into the ownership mindset —you are a reflection of PLACE values What We’re Looking For 3+ years of real estate experience as a Transaction Coordinator or licensed real estate agent Passion for organization, communication, and details Willingness to learn contracts and compliance from multiple states Strong working knowledge of residential real estate documents and timelines Confidence using digital tools, platforms, and systems Proactive, adaptable, and driven to exceed expectations A heart for service , and a mind for solutions Tools + Support You’ll Receive Access to coaching, training , and onboarding to get you ready for PLACE clients Tech platform access to streamline your daily coordination tasks Branded materials, tools, and templates to help you deliver with consistency Back-end billing, client procurement, and support teams to keep you focused on service Opportunities to grow your file count and elevate your income through excellence Compensation Independent Contractor (1099) – Pay per file Errors & Omissions (E&O) Insurance Provided Potential for high-volume file assignments based on performance Are You PLACE-Ready? We’re not just filling roles. We’re building a team of elite transaction coordinators who care about the details, own their role, and thrive in a high-performance environment. If you’re ready to grow your TC business, deliver exceptional service, and be part of something bigger— apply today!

Location: Bellingham, WA Your Opportunity At PLACE, we’re building a company at the intersection of real estate, technology, business services, and the consumer. As a profitable, hypergrowth startup, on the path to an IPO, our standards are high, and our team is scrappy, and our commitment is to execute the best work of our lives. This is YOUR CHANCE to join a company and legal team that’s scaling rapidly and innovating boldly. As our Legal Assistant, you will partner with the Corporate Counsel, company leadership, and a wide variety of departments to provide administrative and operational support across a broad range of corporate and legal matters, while building working knowledge of legal systems, processes, and fundamentals. If you thrive in complexity, problem-solving, and believe in scaling through tech and AI, this is your PLACE This is a full-time, in-office position based in downtown Bellingham, Washington. What You’re Great At You are reliable and have excellent writing and verbal communication skills, a keen eye for detail, and strong critical thinking and problem-solving abilities . You can analyze complex information, identify potential issues, and develop practical solutions. You also exercise sound judgment and discretion when handling confidential and privileged information. You’re organized, you manage multiple tasks and deadlines without dropping the ball, and you’re comfortable following established processes, asking questions, and learning new skills, whether through personal instruction or independent study. You’re fluent in Microsoft Office and Google Workspace, including document formatting and e-signature tools, and you’re excited to learn legal technology such as contract lifecycle management and document management systems. You bring a professional, service-oriented approach to working with attorneys, executives, and employees across business units. You likely have a high school diploma or equivalent (an associate degree or bachelor’s degree is preferred) and 1 to 2 years of experience in a legal, compliance, or professional administrative support role. Experience in a corporate legal department, law firm, or real estate or financial services setting is a plus. What You’ll Do Handle incoming legal inquiries and requests by routing them to the right attorney or team member and following up to confirm they are resolved. Prepare, format, proofread, and organize legal documents, contracts, correspondence, and filings at the direction of attorneys and the legal team. Maintain the contract repository and support the contract lifecycle process by logging agreements, tracking key dates and renewals, and routing documents for review and signature.. Maintain corporate records and entity files, including formation documents, registrations, and annual filings, with support from the legal team. Manage calendars, deadlines, and scheduling for attorneys and legal team members, and coordinate meetings with internal and external parties. Organize and maintain the legal document management system and shared files, following established naming and retention conventions. Troubleshoot systems and processes and propose improvements Protect confidential and privileged information in all work and follow company policies on document handling and access. Salary: $25-30/hour, depending on experience and aptitude. Why PLACE We believe people do their best work when they’re trusted, supported, and surrounded by others who are equally driven. Our competitive benefits include PTO as needed, comprehensive insurance coverage, a 401(k) match, stock option grants, and a stock purchase plan. Every team member is an owner, building the “PLACE” they are proud to call “my company.”