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Job Description LOOKING FOR PART-TIME TO FULL TIME. NOT A REMOTE JOB! Willing to drive to Whittier, CA daily. We are looking for a HIGH ENERGY, DETAILED and reliable Loan Processor to individual loans. You will undertake an intermediary role between wholesale lenders and our inside team. We are looking for qualified applicants to process loans in a timely manner with outstanding customer service, writing and phone skills. Loan processor duties and responsibilities will include analysis of the loan file from initial opening to drawing loan documents for final docs and everything in between. Responsibilities • Perform initial review of the loan file, • Collect and package the loan file for submission to the underwriter, • Document the file and reach out to all participants for updated documents (Credit/income/Assets/Insurance/etc.), • Obtain loan applications daily, • Edit application, or input application through Point and download to Automated Underwriting System (Desktop Underwriter) and run credit to obtain pre-approval, • Document borrower information provided in application, • Submit file to underwriter for Pre-Approval, • Notify Loan Originator (Loan Advisor, A-List, or Loan Consultant) regarding prequalification, requirements, and decision (approval, counteroffer, denial), • Obtain all conditions required from borrower (i.e. income documentation, assets/bank statements, purchase contract and escrow instructions if purchase transaction), • Analyze all forms of income documentation, • Send preapproval letter to borrower upon request, • Maintain open communication with the borrower or Loan Originator Skills • Be able to work in an office, • Proven 3-5 year working experience in a loan processor role, • Good knowledge of Calyx software and MS Office, • Comprehension of direct/indirect lending procedures, • In-depth understanding of relevant rules and regulations, • Excellent communication and sales skills, • Balance between customer satisfaction orientation and a results driven approach Job Type: Part Time to Full-time as business picks up Company Description We are a Real Estate Firm and Mortgage Company. Please call Elizabeth @ 323-833-1957 or email resume to elizabeth@eresmortgage.com We are a Real Estate Firm and Mortgage Company. Please call Elizabeth @ 323-833-1957 or email resume to elizabeth@eresmortgage.com

Philadelphia Insurance Companies, a member of the Tokio Marine Group, designs, markets and underwrites commercial property/casualty and professional liability insurance products for select industries. We have been in operation since 1962 and are nationally recognized as a member of Ward's Top 50 and rated A++ by A.M.Best. We are looking for a Sr. Surety Underwriter to join our team in either our Walnut Creek, Pasadena, Mission Viejo or San Diego offices! Under limited direction and supervision, underwrites and markets assigned products by providing high levels of risk assessment and technical underwriting expertise to determine underwriting acceptability. May provide high level of financial analysis to determine credit quality. A typical day will include the following: • Participates in the producer management process which may include, but is not limited to, premium collections., • Prepares underwriting submissions, making recommendations and/or decisions within established authority limits. Minimum authority is $1,000,000 (Surety)., • Prepares and participates in marketing activities within the region to promote the development of new business., • Gathers and analyzing information, applies appropriate underwriting techniques necessary to make an accurate evaluation of acceptability of risk. May evaluate credit quality., • Prepares and participates in proposals to producers and/or accounts negotiating terms and conditions., • May ensure credit quality of accounts managed while maintaining and updating underwriting files. Bachelor's Degree At least three years of contract surety underwriting experience preferably with a carrier. AFSB designation preferred. The ability to manage multiple priorities, generate new business and be detail oriented. Tokio Marine Group of Companies (including, but not limited to the Philadelphia Insurance Companies, Tokio Marine America, Inc., TMNA Services, LLC, TM Claims Service, Inc. and First Insurance Company of Hawaii, Ltd.) is an Equal Opportunity Employer. In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status, sexual orientation and/or any other status protected by law. We offer a comprehensive benefit package, which includes tuition reimbursement and a generous 401K match. Our rich history of outstanding results and growth allow us to focus our business plan on continued growth, new products, people development and internal career opportunities. If you enjoy working in a fast paced work environment with growth potential please apply online.

The underwriter will be responsible for underwriting agency and portfolio loans to established company and investor guidelines. The position requires that the candidate have the ability to clearly communicate underwriting decisions and stipulations to sales, processing staff and borrowers. Responsibilities include: • Underwriting primarily agency loans but also have ability to underwrite portfolio loans., • Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc., • Analyze customer's loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation., • Review appraisals to ensure that loans meet secondary market, investor, and company standards., • Work with loan processors and loan officers on collecting information and documentation necessary to finalize incomplete loan packages., • Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly., • Provide options and recommendations to borrowers regarding suitable loan programs., • Stay abreast of current regulations and industry trends that affect compliance and decision-making., • Verify that system input is accurate and that company systems match automated underwriting system (aus)., • Use expertise to answer questions and resolve escalated issues from junior-level teammates., • Perform other duties as assigned. Qualifications include: • High school diploma or equivalent required; college courses/technical training related to business, finance/accounting, legal, or related field is preferred, along with total recent work experience that includes five or more years underwriting conventional loans., • Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing., • Expert-level knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.)., • Expert-level knowledge of underwriting and regulatory requirements; detailed knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls., • Ability to think critically, including the ability to evaluate facts and data to draw conclusions, and determine the downstream impact of decisions and associated risks., • Ability to prioritize multiple tasks in a deadline-driven environment; strong sense of urgency and responsiveness., • Intermediate math skills., • Strong verbal and written communication skills., • Strong detail orientation and highly organized., • Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/document retention programs., • Experience working within Encompass preferred. Applicants must have legal authorization to work in the United States. We do not offer visa sponsorship at this time. The base pay range for this position is USD $20.00/hr. - USD $40.00/hr. Exact offers will be determined based on job-related knowledge, skills, experience, and location.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Credit Officer Associate within the Credit Risk team, you will conduct essential credit analysis, perform due diligence, and review documentation for new commercial real estate transactions with an emphasis on multifamily lending. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1 million to $25 million+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: • Implement all facets of credit analysis on commercial real estate and multifamily loans, • Identify issues and concerns, evaluate results, and formulate effective recommendations in a timely manner, • Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal, • Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities, • Apply data analysis techniques to interpret results and provide insights and recommendations to management, • Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge Required qualifications, capabilities, and skills: • Bachelor's degree in a business or finance concentration, • 2 years of experience in commercial real estate lending or 3 years of other banking or finance experience, • Good understanding of multifamily real estate property valuations and cash flow analysis, • Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements, • Ability to manage competing priorities effectively in a collaborative, high-volume environment while maintaining attention to detail, • Excellent verbal and written communication and problem-solving skills, • Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed, • Familiarity with regional markets and municipal regulations, • Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems Preferred qualifications, capabilities, and skills: • Experience as a loan underwriter in commercial real estate lending, • Experience with proprietary credit risk management tools, • Experience with large language model tools FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer within the Credit Risk team, you will evaluate and identify risks and interpret data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1 million to $25 million+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: Oversee all aspects of credit analysis on loans secured by multifamily and other types of commercial real estate Evaluate and manage risks in complex transactions Mentor for more junior Credit Analysts and Credit Officers Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities Apply data analysis techniques to interpret results and provide insights and recommendations to management Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge Required qualifications, capabilities, and skills: Bachelor's degree in a business or finance concentration 7 years of experience in commercial real estate lending, credit analysis, or loan workouts Thorough understanding of multifamily real estate property valuations and cash flow analysis Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements Ability to manage competing priorities effectively in a collaborative, high-volume environment while maintaining attention to detail Excellent verbal and written communication and problem-solving skills Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed Familiarity with regional commercial real estate markets and municipal regulations Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems Preferred qualifications, capabilities, and skills: Advanced degree in a related field or real estate coursework Experience as a loan underwriter in commercial real estate or agency lending (e.g Fannie Mae or Freddie Mac) Experience with proprietary credit risk management tools Experience with large language model tools FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

People drive our success. Are you enthusiastic, highly motivated, and have a strong work ethic? If yes, come join our team! At Cathay Bank we strive to provide a caring culture that supports your aspirations and success. We believe people are our most valuable asset and we proudly foster growth and development empowering you to achieve your professional goals. We have thrived for 60 years and persevered through many economic cycles due to our team members' drive and optimism. Together we can make a difference in the financial future of our communities. Apply today! Relationship Manager ("RM") is able to handle both (i) client-facing business development responsibilities as well as (ii) portfolio management responsibilities. This type of RM is typically found in lending teams with a smaller number of people where someone may need to carry out both functions. In a larger lending team, this title can exist for someone who wants to transition from PM to SRM but is not quite ready for the loan goal targets of a SRM. This position's function is to identify and bring new loan clients and be able to manage an existing portfolio assigned to them. • Identify and bring new clients to the Bank. Each RM should have a specific new loan commitment/outstanding goal set by their Team Manager every year., • RM is to negotiate and structure the primary terms of the loan with the client; circulate concept memo if needed prior to issuance of term sheet/LOI., • Work with designated underwriter, loan assistants and other loan support staff to prepare the Credit Commitment Report ("CCR") for new loans, renewals, amendments and annual reviews., • Present each CCR to the requisite approval authority levels. The finished CCR is the work product of a team but the RM is ultimately responsible for the content., • Review loan documents, either internally prepared or by outside counsel, to ensure accuracy., • Work with loan assistants and loan support staff to ensure all necessary items needed for the closing of the loan is in process and well-managed; RM is to manage the client experience of this process., • Portfolio management functions include monitoring and managing the credit quality of the assigned loan portfolio., • Review to ensure each credit is properly risk rated based on the Bank's risk rating system., • Reviews client's accounts and portfolios in order to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the Bank., • Ensure compliance with Bank, regulatory and credit requirements with emphasis on best-in-class customer service while adhering to required timeframes from the client., • Assist with mentoring and coaching junior officers and loan staff. Education: • U.S. College graduate with major in related fields. Experience: • 7-10 years of commercial lending and banking experience with thorough knowledge of lending regulations and credit/underwriting practices., • Must possess strong loan negotiation (rates, terms, collateral requirements) experience., • Must possess previous underwriting experience in the requisite area of commercial lending. Skills/Ability: • Must have extensive knowledge and understanding of Bank's credit policy, risk management, underwriting requirements and loan servicing., • Must have strong knowledge and understanding of commercial and specialty group banking products and services and have demonstrated ability to cross-sell such products., • PC proficient., • Excellent verbal and written communication skills., • Bilingual (English/Mandarin or Cantonese) a plus but not required., • Ability to work well independently to structure loans and/or lines of credits., • Must be organized and detail oriented and able to multi-task., • Ability to work effectively in a fast paced, high production and team environment., • Excellent time management skills and be accustomed to working with deadlines., • Ability to assume responsibility and accountability for decision-making., • Ability to communicate effectively with all levels of Bank personnel. $130K $170K / year Pay determined based on job-related knowledge, skills, experience, and location. This position may be eligible for a discretionary bonus. Cathay Bank offers its full-time employees a competitive benefits package which is a significant part of their total compensation. It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k). Cathay Bank is an Equal Opportunity and Affirmative Action Employer. We welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision-making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law.

Are you enthusiastic, highly motivated, and have a strong work ethic? If yes, come join our team! At Cathay Bank we strive to provide a caring culture that supports your aspirations and success. We believe people are our most valuable asset and we proudly foster growth and development empowering you to achieve your professional goals. We have thrived for 60 years and persevered through many economic cycles due to our team members' drive and optimism. Together we can make a difference in the financial future of our communities. Apply today! Relationship Manager ("RM") is able to handle both (i) client-facing business development responsibilities as well as (ii) portfolio management responsibilities. This type of RM is typically found in lending teams with a smaller number of people where someone may need to carry out both functions. In a larger lending team, this title can exist for someone who wants to transition from PM to SRM but is not quite ready for the loan goal targets of a SRM. This position's function is to identify and bring new loan clients and be able to manage an existing portfolio assigned to them. • Identify and bring new clients to the Bank. Each RM should have a specific new loan commitment/outstanding goal set by their Team Manager every year., • If such an RM is also a Team Manager, then such RM should also have specific goals to cross-sell Bank's other products and services., • RM is to negotiate and structure the primary terms of the loan with the client; circulate concept memo if needed prior to issuance of term sheet/LOI., • Work with designated underwriter, loan assistants and other loan support staff to prepare the Credit Commitment Report ("CCR") for new loans, renewals, amendments and annual reviews., • Present each CCR to the requisite approval authority levels. The finished CCR is the work product of a team but the RM is ultimately responsible for the content., • Review loan documents, either internally prepared or by outside counsel, to ensure accuracy., • Work with loan assistants and loan support staff to ensure all necessary items needed for the closing of the loan is in process and well-managed; RM is to manage the client experience of this process., • Portfolio management functions include monitoring and managing the credit quality of the assigned loan portfolio., • Review to ensure each credit is properly risk rated based on the Bank's risk rating system., • Reviews client's accounts and portfolios in order to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the Bank., • Ensure compliance with Bank, regulatory and credit requirements with emphasis on best-in-class customer service while adhering to required timeframes from the client., • Assist with mentoring and coaching junior officers and loan staff., • Education: U.S. College graduate with major in related fields., • Experience:, • 10+ years of commercial lending and banking experience with thorough knowledge of lending regulations and credit/underwriting practices., • Must possess strong loan negotiation (rates, terms, collateral requirements) experience., • Must possess previous underwriting experience in the requisite area of commercial lending., • Must have extensive knowledge and understanding of Bank's credit policy, risk management, underwriting requirements and loan servicing., • Must have strong knowledge and understanding of commercial and specialty group banking products and services and have demonstrated ability to cross-sell such products., • Skills/Ability: PC proficient. Excellent verbal and written communication skills. Bilingual (English/Mandarin or Cantonese) a plus but not required. Ability to work well independently to structure loans and/or lines of credits. Must be organized and detail oriented and able to multi-task. Ability to work effectively in a fast paced, high production and team environment. Excellent time management skills and be accustomed to working with deadlines. Ability to assume responsibility and accountability for decision-making. Ability to communicate effectively with all levels of Bank personnel. $175K $200K / year Pay determined based on job-related knowledge, skills, experience, and location. This position may be eligible for a discretionary bonus. Cathay Bank offers its full-time employees a competitive benefits package which is a significant part of their total compensation. It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k). Cathay Bank is an Equal Opportunity and Affirmative Action Employer. We welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision-making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Credit Officer Associate within the Credit Risk team, you will conduct essential credit analysis, perform due diligence, and review documentation for new commercial real estate transactions with an emphasis on multifamily lending. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1 million to $25 million+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: • Implement all facets of credit analysis on commercial real estate and multifamily loans, • Identify issues and concerns, evaluate results, and formulate effective recommendations in a timely manner, • Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal, • Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities, • Apply data analysis techniques to interpret results and provide insights and recommendations to management, • Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge Required qualifications, capabilities, and skills: • Bachelor's degree in a business or finance concentration, • 2 years of experience in commercial real estate lending or 3 years of other banking or finance experience, • Good understanding of multifamily real estate property valuations and cash flow analysis, • Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements, • Ability to manage competing priorities effectively in a collaborative, high-volume environment while maintaining attention to detail, • Excellent verbal and written communication and problem-solving skills, • Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed, • Familiarity with regional markets and municipal regulations, • Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems Preferred qualifications, capabilities, and skills: • Experience as a loan underwriter in commercial real estate lending, • Experience with proprietary credit risk management tools, • Experience with large language model tools FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

VelocitySBA provides small business owners with access to growth capital through the SBA loan program. Having access to small business financing can give you the security and freedom to focus on other aspects of running your business. We can help you purchase commercial real estate and equipment, provide growth capital financing, deliver debt refinance solutions, aide with business acquisition/partner buyout, and assist small business owners with their startups. The Loan Operations Associate is a customer-facing role responsible for collecting, preparing, and delivering complete, accurate, and compliant loan files to the closing officer by the time of loan approval. This role ensures that all required documentation, verifications, and regulatory requirements are satisfied to support a smooth and timely closing process. The Loan Operations Associate collaborates with borrowers, brokers, external partners, and internal teams to maintain high standards of quality and operational efficiency. This role requires strong verbal communication skills and comfort engaging directly with customers to clearly explain requirements and processes. In addition, the Loan Operations Associate must take a proactive and persistent approach to following up with customers to obtain required information and documentation in a timely manner. Principal responsibilities include: • Coordinate with borrowers and stakeholders, • Serve as a customer-facing representative for the company and communicate directly with borrowers, lenders, franchisors, contractors, insurance agents, closing agents, and internal department stakeholders to obtain necessary documents, clarify questions, and resolve issues. Provide clear instructions and updates to ensure deadlines are met and the loan process progresses smoothly., • Review and verify loan documentation, • Thoroughly examine all loan application documents, entity documents, appraisals, escrow & title documents, and other supporting materials to ensure accuracy, completeness, and compliance with internal policies, SBA SOP 50 10 and other regulatory requirements. Identify missing items or discrepancies early and initiate corrective action., • Prepare complete loan files, • Organize and assemble all required documentation into a cohesive loan package ready for the closing officer. Ensure that all conditions outlined by the underwriter have been met and that files meet quality standards for timely approval and funding., • Maintain accurate loan records, • Track the status of each loan file using internal systems, documenting communications, updates, and any pending items. Generate reports for management to monitor progress and identify trends or bottlenecks in the loan preparation process., • Identify and resolve potential issues, • Proactively review loan files for discrepancies, missing information, or compliance risks. Escalate issues to management or underwriters as needed to prevent delays in loan approval or closing., • Support process improvement, • Provide feedback on workflows, suggest improvements to documentation standards or procedures, and participate in training initiatives to enhance team efficiency and consistency. Assist in the implementation of standardized practices to reduce errors and improve turnaround times. Required qualifications include: • Strong verbal and written communication skills, • Bachelor's Degree, • Minimum of 1-3 years' experience in SBA 7(a) lending, • Strong attention to detail and organizational skills, with the ability to manage multiple priorities, • Knowledge of regulatory and compliance requirements for loan documentation, • Proficiency with loan origination systems and standard office software, • Ability to work independently and collaboratively in a fast-paced environment Compensation: • Hourly: $26-$35 (based on experience and qualifications), • Full-time position Physical requirements: • Must be able to pass post-offer drug test and background check Benefits Velocity Vehicle Group Offers: • 401k + match, • Health, Dental & Vision Insurance + HSA & FSA, • Employer paid Life Insurance, • Paid Vacation Days, • Sick Leave, • Company perks such as employee discounts, company events and training programs, • Excellent Training and Career Advancement Opportunities Velocity Vehicle Group is an equal opportunity employer. Velocity Vehicle Group prohibits discrimination and harassment of any type and affords equal employment opportunities to employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.

East West Bank is seeking a Mortgage Underwriter. The Mortgage Underwriter will be responsible for underwriting FHA and Conventional loans. The position requires that the candidate have the ability to clearly communicate underwriting decisions and stipulations to sales, processing staff and borrowers. • Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc., • Analyze customer's loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation., • Review appraisals to ensure that loans meet secondary market, investor, and company standards., • Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages., • Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly., • Provide options and recommendations to borrowers regarding suitable loan programs., • Stay abreast of current regulations and industry trends that affect compliance and decision-making., • Verify that system input is accurate and that company systems match Automated Underwriting System (AUS)., • Use expertise to answer questions and resolve escalated issues from junior-level teammates., • Perform other duties as assigned., • High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred, along with total recent work experience that includes five or more years underwriting conventional loans., • Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing., • Expert-level knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.)., • Expert-level knowledge of underwriting and regulatory requirements; detailed knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls., • Ability to think critically, including the ability to evaluate facts and data to draw conclusions, and determine the downstream impact of decisions and associated risks., • Ability to prioritize multiple tasks in a deadline-driven environment; strong sense of urgency and responsiveness., • Intermediate math skills., • Strong verbal and written communication skills., • Strong detail orientation and highly organized., • Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/Document Retention programs., • Experience working within Encompass preferred. Applicants must have legal authorization to work in the United States. We do not offer visa sponsorship at this time. The base pay range for this position is USD $20.00/Hr. - USD $42.00/Hr. Exact offers will be determined based on job-related knowledge, skills, experience, and location.

GENERAL SUMMARYRelationship Manager (“RM”) is able to handle both (i) client-facing business development responsibilities as well as (ii) portfolio management responsibilities. This type of RM is typically found in lending teams with a smaller number of people where someone may need to carry out both functions. In a larger lending team, this title can exist for someone who wants to transition from PM to SRM but is not quite ready for the loan goal targets of a SRM. This position’s function is to identify and bring new loan clients and be able to manage an existing portfolio assigned to them. ESSENTIAL FUNCTIONSIdentify and bring new clients to the Bank. Each RM should have a specific new loan commitment/outstanding goal set by their Team Manager every year.RM is to negotiate and structure the primary terms of the loan with the client; circulate concept memo if needed prior to issuance of term sheet/LOI.Work with designated underwriter, loan assistants and other loan support staff to prepare the Credit Commitment Report (“CCR”) for new loans, renewals, amendments and annual reviews.Present each CCR to the requisite approval authority levels. The finished CCR is the work product of a team but the RM is ultimately responsible for the content.Review loan documents, either internally prepared or by outside counsel, to ensure accuracy.Work with loan assistants and loan support staff to ensure all necessary items needed for the closing of the loan is in process and well-managed; RM is to manage the client experience of this process.Portfolio management functions include monitoring and managing the credit quality of the assigned loan portfolio. Review to ensure each credit is properly risk rated based on the Bank’s risk rating system. Reviews client’s accounts and portfolios in order to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the Bank.Ensure compliance with Bank, regulatory and credit requirements with emphasis on best-in-class customer service while adhering to required timeframes from the client.Assist with mentoring and coaching junior officers and loan staff. QUALIFICATIONSEducation:U.S. College graduate with major in related fields.Experience: 7-10 years of commercial lending and banking experience with thorough knowledge of lending regulations and credit/underwriting practices.Must possess strong loan negotiation (rates, terms, collateral requirements) experience.Must possess previous underwriting experience in the requisite area of commercial lending.Skills/Ability:Must have extensive knowledge and understanding of Bank’s credit policy, risk management, underwriting requirements and loan servicing.Must have strong knowledge and understanding of commercial and specialty group banking products and services and have demonstrated ability to cross-sell such products.PC proficient. Excellent verbal and written communication skills. Bilingual (English/Mandarin or Cantonese) a plus but not required. Ability to work well independently to structure loans and/or lines of credits. Must be organized and detail oriented and able to multi-task. Ability to work effectively in a fast paced, high production and team environment. Excellent time management skills and be accustomed to working with deadlines. Ability to assume responsibility and accountability for decision-making. Ability to communicate effectively with all levels of Bank personnel.OTHER DETAILS$130K – $170K / year Pay determined based on job-related knowledge, skills, experience, and location.This position may be eligible for a discretionary bonus.

Perform in-depth underwriting review of mortgage loan files for compliance with applicable State and Federal laws and adherence to specific lender guidelines to support mortgage productions and quality control. Ensure familiarity and compliance with the Bank's policies and procedures and governing laws and regulations. Review: (60%) • Examine loan documentation for accuracy and completeness., • Analyze all required information and underwrite all portfolio and secondary market mortgage loan files for preliminary and final approval., • Communicate corporate and investor guidelines and respond to customers, loan processors, and loan consultants in a timely and professional manner. Knowledge: (25%) • Handle underwriting, quality control plans and reviews, data delivery and appraisal reviews., • Underwrite residential mortgage loans in compliance with federal, state regulations and laws and secondary market guidelines., • Maintain a sound knowledge of all regulatory compliance requirements, secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity. General (15%) • Familiarize and comply with all applicable Bank's policies and procedures as well as governing laws and regulations., • Performing all assigned duties under Bank's compliance programs and related laws & regulations., • Successfully completing all mandatory training on related Bank's and BSA compliances as well as other laws and regulations as assigned in a timely manner., • Train new Underwriter as well as other team members, such as Processors and Closer., • Train and advise MLO in restricting their loan submission, to enhance the credit quality of the bank's portfolio., • Perform timely response to all Audit and Examination findings., • Perform other duties as assigned., • Bachelor's degree in Finance, Business Administration, Accounting, or other relevant Business fields is preferred., • 3-5+ years of mortgage industry experience including underwriting., • Mortgage underwriting experience in retail environment for conforming & conventional loan. (FHMA), • Familiar with Desktop Underwriting and Condo Project Approval., • Working knowledge of credit, finance, lending procedures and legal and audit regulations., • Analytic, quantitative, interpersonal, verbal and written communication, and PC skills., • Must be a demonstrated team player., • Minimum mobility to work in an office setting; sit for prolonged period of times; operate office equipment including use of a computer keyboard; and reach with hands and arms. Employees are occasionally required to walk and stand and lift and move records and documents weighing 30 pounds or less., • Attention to detail, strong organizational, communication, interpersonal, self-motivated, and analytical skills, ability to interact with all levels of management and staff., • Standard office environment. Noise level in work environment is usually average. Hear in the normal audio range with or without correction. Specific vision abilities required by this job include close vision and the ability to adjust focus. Compensation The base pay range for this position is USD $70,000.00/Yr. - USD $95,000.00/Yr plus full benefits. Exact offer will be determined based on job-related knowledge, skills, experience, and location.

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