Nicole A. Lowe

615-***-****

: Civic Bank & Trust Brentwood, TN Oct 2015 to June 2016 – Loan Support Officer Prepare all types of loan documentation requests in a centralized environment. Responsibilities include identification of HMDA reportable loans, early disclosures, ordering of flood, appraisals and title work for real estate loan request. Assure compliance with bank lending policies and procedures and regulatory requirements. Handle all customer service opportunities (both in house and outside customers) accurately and professionally. Verify all documents (in house prepared and attorney prepared) meet policy and regulatory compliance guidelines before and after they are delivered for closing. Ensure all loan data is properly entered into the core system during the interface upload process Identify exceptions (financial, collateral, policy) and add to the tracking systems at upload of new / renewed notes. Additionally as items are received to clear exceptions – review the document to make sure it does in fact satisfy the issue and remove item completely or establish follow up ticklers as necessary. Accuracy and validity of the report is paramount. Pay all vendor related invoices promptly as each loan is booked. Be cognizant of how payments are made and which general ledger account is appropriate. Verify all documents are properly perfected and placed in safekeeping to minimize risk of loss to the bank. Maintain Credit and Collateral files: Produce files as requested from auditors, loan officers, etc. Assist in protection and retrieval of possessory dually controlled collateral. Provide backup support for all areas within loan operations department.

: Reliance First Capital Franklin, TN May 2015 to Oct 2015 Mortgage Loan Processor Sorting and processing home loans and maintaining borrower’s confidential records. Reviewed all loan documents, including income statements, employment verifications, title issues, and liens on mortgages. Calculated DTI for every loan processed. Managed a pipeline of 25 30 Conventional, FHA and VA loans on a monthly basis. Informed borrowers and related parties of documents and requirements needed to close the loan. Reviewed new loan guidelines, programs, updates and changes. Ordered and reviewed title, flood and appraisal. Knowledge of Loan Prospector (LP), Desktop Underwriting (DU), and Desktop Originator (DO). Paperless underwriting.

: LoanDepot Brentwood, TN Nov 2014 to May 2015 Production Analyst Sorting Processing home loans and maintaining borrower’s confidential records. Reviewed all loan documents, including income statements, employment verifications, title issues, and liens on mortgages. Also calculated DTI for every loan processed. Managed a pipeline of 30 40 Conventional, FHA and VA loans on a monthly basis. Informed borrowers and related parties of documents and requirements needed to close the loan. Reviewed new loan guidelines, programs, updates and changes. Ordered and reviewed title, flood and appraisal. Knowledge of Loan Prospector (LP), Desktop Underwriting (DU), and Desktop Originator (DO). Paperless underwriting.

: Magna Bank Hendersonville, TN June 2013 to Nov 2013 Loan Documentation Spec Prepare all types of loan documentation requests in a centralized environment. Responsibilities include identification of HMDA reportable loans, early disclosures, ordering of flood, appraisals and title work for real estate loan request. Assure compliance with bank lending policies and procedures and regulatory requirements. Handle all customer service opportunities (both in house and outside customers) accurately and professionally. Verify all documents (in house prepared and attorney prepared) meet policy and regulatory compliance guidelines before and after they are delivered for closing. Ensure all loan data is properly entered into the core system during the interface upload process Identify exceptions (financial, collateral, policy) and add to the tracking systems at upload of new / renewed notes. Additionally as items are received to clear exceptions – review the document to make sure it does in fact satisfy the issue and remove item completely or establish follow up ticklers as necessary. Accuracy and validity of the report is paramount. Verify all documents are properly perfected and placed in safekeeping to minimize risk of loss to the bank. Assist in protection and retrieval of possessory dually controlled collateral. Provide backup support for all areas within loan operations department.

: CapStar Bank F.K.A. American Security Bank and Trust Hendersonville, TN May 2011 to June 2013 – Loan Documentation Specialist / Residential and Commercial Construction Draw Coordinator

Prepare all types of loan documentation requests in a centralized environment. Responsibilities include identification of HMDA reportable loans, early disclosures, ordering of flood, appraisals and title work for real estate loan request. Assure compliance with bank lending policies and procedures and regulatory requirements. Handle all customer service opportunities (both in house and outside customers) accurately and professionally. Verify all documents (in house prepared and attorney prepared) meet policy and regulatory compliance guidelines before and after they are delivered for closing. Ensure all loan data is properly entered into the core system during the interface upload process Identify exceptions (financial, collateral, policy) and add to the tracking systems at upload of new / renewed notes. Additionally as items are received to clear exceptions – review the document to make sure it does in fact satisfy the issue and remove item completely or establish follow up ticklers as necessary. Accuracy and validity of the report is paramount. Pay all vendor related invoices promptly as each loan is booked. Be cognizant of how payments are made and which general ledger account is appropriate. Verify all documents are properly perfected and placed in safekeeping to minimize risk of loss to the bank. Maintain Credit and Collateral files: Produce files as requested from auditors, loan officers, etc. Assist in protection and retrieval of possessory dually controlled collateral. Provide backup support for all areas within loan operations department.

: Franklin American Mortgage Franklin, TN Sept 2009 to May 2011 – Asst Underwriter Sorting and processing home loans and maintaining borrower’s confidential records. Reviewed all loan documents including income statements, employment verifications, title issues, and liens on mortgages. Also calculated DTI for every loan processed. Managed a pipeline of 40 90 Conventional loans on a monthly basis. Informed borrowers and related parties of documents and requirements needed to close the loan. Ordered and reviewed title, flood and appraisal. Knowledge of Loan Prospector (LP), Desktop Underwriting (DU), and Desktop Originator (DO), New loan production of up to 100 files daily. Responsible for communicating with brokers. Prepared files for closing.

: Blue Star Mortgage Brentwood, TN April 2007 to Sept 2009 Senior Loan Processor/ Area Manager

Sorting and processing home loans and maintaining borrower’s confidential records. Reviewed all loan documents including income statements, employment verifications, title issues, and liens on mortgages. Also calculated DTI for every loan processed. Managed a pipeline of 40 Conventional, FHA, VA and Commercial loans on a monthly basis. Informed borrowers and related parties of documents and other requirements needed to close the loan. Reviewed new loan guidelines, programs, updates and changes. Ordered and reviewed title, flood and appraisal. Knowledge of Loan Prospector (LP), Desktop Underwriting (DU), and Desktop Originator (DO). Hired, trained and managed Loan Officers.

: Old Tree Mortgage Nashville, TN May 2001 to April 2007 Loan Officer/ Loan Processor Sorting and processing home loans and maintaining borrower’s confidential records. Reviewed all loan documents including income statements, employment verifications, title issues, and liens on mortgages. Also calculated DTI for every loan processed. Managed a pipeline of 30 Conventional, FHA, VA and Commercial loans on a monthly basis. Informed borrowers and related parties of documents and other requirements needed to close the loan. Reviewed new loan guidelines, programs, updates and changes. Ordered and reviewed title, flood and appraisal. Knowledge of Loan Prospector (LP), Desktop Underwriting (DU), and Desktop Originator (DO). Responsible for generating own leads. Brought in over 80 new real estate agents for new business. Counseled clients in credit issues, processed mortgages and credit repair. Closed $3,800,000 in loans of new business in one year and over $6,000,000 in previous year.

: Reference Available upon request.

Letter of Explanation Unemployed. Nov 2013 to Nov 2014 On October 25, 2013 after three weeks of increasingly serious symptoms my husband was unable to walk and was admitted to the Vanderbilt Medical Center. He was diagnosed with Guillain Barre Syndrome, an autoimmune disease of the nervous system. It requires a lengthy recovery period. On

November first he was transferred from Vanderbilt Hospital to Vanderbilt Stallworth Rehabilitation Hospital. During his hospitalizations, I spent considerable time with him to offer him support and encouragement. Prior to this period I was employed by Magna Bank as a Senior Loan

Documentation Specialist III. On November 4th I was laid off from this position due to insufficient production at this Magna Bank site. My husband was released from Stallworth on November 26th. He was wheelchair bound and remained unable to walk. I remained at home to care for him. He required transportation to Nashville three times a week for physical and occupational therapy. The therapy sessions were reduced to twice a week in June. Our children were then home from school for the summer and required my care since my husband was still not walking effectively. He is now having one therapy session a week and has largely recovered the ability to walk. I feel confident that I can return to employment at this time.