Micah Lowmack

**** * ***** ***** ********, AZ, **353 480-***-**** ad4vtk@r.postjobfree.com

Result driven sales with a record of achievement and demonstrated success known for attention to detail and timeliness in managing a pipeline of 50 plus loans at one time. I have 10 year’s experience in the mortgage industry and have had the additional responsibilities of reviewing paystub, tax returns, bank statements, 1003’s, debt to income ratios, ltv’s, and appraisals to ensure the loan was in compliance with the guidelines of the programs for each loan and would mitigate risk to the bank.

Key Skills

Sales

Relationships Building

Client Negotiations & Management

Audit and Compliance

Multitasking

Financial System Technologies

Records Organization & Management

Spreadsheets & Pipeline Reports

Problem Solving

Time Management

Professional Experience

Knock Lending LLC. Remote

Underwriter I 05/21- 7/22 Completing a risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages based on agency guidelines. Comprehensive knowledge of underwriting guidelines and restrictions for conventional mortgages. Work collaboratively with team members to drive deals to successful funding and closing in a timely manner.

Key Results:

Analyze all loan documents which include income, assets, credit, collateral, purchase contracts, title, and other required documentation,

Perform underwriting decision based on income (W2 wage earner, sell-employed, sole proprietor, partnerships, S-Corp, Corporation, non-taxable income), assets, credit, collateral, title and risk.

Underwriting loan products programs that require mortgage insurance, review mortgage insurance, homeowners insurance, flood insurance, flood certifications, and other documentation related to each loan.

Review interest rates and interest rate locks.

Meet, waive, and add necessary conditions,

Discuss loan conditions and decisions with processors and or sales team

Zions National Bank- Remote

Sr. Loan Processor 02/20-4/21 Reviewing files for adherence to underwriting standards, and ensuring completeness of submission. Contacts borrower and/or mortgage broker to collect necessary documentation and act as a liaison between origination staff, underwriters, and customers.

Key Results:

Acting as primary point of contact for the customer, and keeping the customer informed throughout the process.

Obtaining an accurate and thorough 1003

Analyzing customer’s credit and financial scenario, determining appropriate loan product(s), and obtaining accurate AUS findings.

Pricing a profitable loan and communicating fees to operations team.

Quoting rate and making commitments regarding locking to customer.

Disclosing initial 1003 and disclosures to customer according to regulations.

Collecting supporting documentation from the customer.

Discussing product features with customer.

Reviewing HUD-1 to ensure fees and cash at closing are consistent with commitment to customer.

Humana Healthcare/WFH

Financial Underwriting Representative 3, EG Market Risk Management 9/19-12/19 performs advanced administrative/operational/customer support duties that require independent initiative and judgment. May apply intermediate mathematical skills.

Key Results:

Prepares a variety of financial reports for large accounts and provides rationale and support to other areas within the organization and to clients regarding rate computations and financial activity.

Provides expense estimates and accurate analysis of financial exhibits.

Regularly exercises discretion and judgment in prioritizing requests and interpreting and adapting procedures, processes and techniques, and works under limited guidance.

Home Point Financial/WFH

Sr Loan Processor/Transaction Coordinator 12/17 To 07/18 – I am the liaisons between real estate agents, clients, escrow companies and mortgage brokers during the processing of the Mortgage Transaction. Verify all borrower docs are received and that the file is eligible for underwriting approval

Key Results:

Make sure that all signatures and initials required are present on the contract and addenda.

Open file with the escrow or title company

Upload documents for shared viewing.

Send e-mails on a weekly basis that summarize the transaction’s status, as well as informing the agent of upcoming deadlines.

Make sure that everyone involved is provided with the necessary paperwork.

Request an estimated HUD-1 statement for an agent to review.

Loan Depot/Scottsdale AZ

Sr Loan Processor 10/16 To 11/2017 - Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

Key Results:

Collect required documentation from applicants and follow up on missing items

Establish, maintain, and update files, databases, records, and/or other documents for recurring internal reports

Order credit reports, title reports

Compile documents for customer files and enter intakes to Data Management System for processing and assessment

Assure that all customer files are complete and in compliance with regulatory agencies and internal policies

Ensure customer privacy, security of files and appropriate staff access

Ranstad/Learnvest. WFH

Program Expert/ Sales 10/15-7/15- Conduct outbound lead follow-up calls to potential and existing customers via telephone and e-mail to qualify leads and to sell products and services. Work with customers to find what they want, create solutions and ensure a smooth sales process.

Key Results:

Assets the client’s needs and explain the program to them based on their needs

Show them the value in the upgrade and answer all their questions

Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures

Analyze detailed financial and credit data, matching customer needs with an appropriate program.

Receive customer applications,, and complete follow-up work for those that didn’t not upgrade

Wells Fargo Home Mortgage. Scottsdale, AZ,

Home Mortgage Consultant 10/14- 10/15 I am responsible for working under the guidance of a Home Mortgage Consultant (HMC) to produce high quality loans that meet Wells Fargo Home Mortgage guidelines by building referral relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources while providing excellent customer service.

Key Results:

Develop knowledge of company products, policies and procedures, and underwriting requirements

Understand real estate appraisals, title reports, and real estate transactions

Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures

Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk

Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in

Develop and maintain a high degree of visibility for WFHM in the marketplace

Ditech Mortgage Corp. Scottsdale, AZ,

Loan Processor 8/13- 10/14 Originating residential mortgage loans from sources of referral business such as real estate agents and builders. I work with real estate agents, the builder community, and other mortgage referral sources to market and promote Ditech mortgage products and services in order to generate a consistent and ongoing flow of purchase mortgage applications and closings.

Key Results:

Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation

Work diligently to ensure all loans are processed and closed in a timely, accurate, and quality manner in order to establish and maintain the extraordinary customer satisfaction

Coordinate and develop lead pipeline management activities within a contact management system (CMS)

Continually manage and update sales related activities within the CMS for appropriate sales related reporting and management.

AmeriFirst Financial Inc- Scottsdale, AZ.

Licensed Loan Officer Assistant 07/12- 7/13 Reviewing files for adherence to underwriting standards, and ensuring completeness of submission. Contacts borrower and/or mortgage broker to collect necessary documentation and act as a liaison between origination staff, underwriters, and customers.

Key Results:

Acting as primary point of contact for the customer, and keeping the customer informed throughout the process.

Obtaining an accurate and thorough 1003

Analyzing customer’s credit and financial scenario, determining appropriate loan product(s), and obtaining accurate AUS findings.

Pricing a profitable loan and communicating fees to operations team.

Quoting rate and making commitments regarding locking to customer.

Disclosing initial 1003 and disclosures to customer according to regulations.

Collecting supporting documentation from the customer.

Discussing product features with customer.

Reviewing HUD-1 to ensure fees and cash at closing are consistent with commitment to customer.

J.P Morgan Chase Bank – Phoenix, AZ

Sr Loan Processor 12/11 to 7/12 Handle the daily mortgage processes to ensure loans are in compliance with bank and investor guidelines. Responsibilities include examining bank statements, tax returns, paystubs, W2s, credit reports, and 4506t audit results for accuracy and completeness. Work with Originators to make sure that all documents are collected and valid within the rate lock period. Address borrower concerns and questions to make sure the process is frictionless and understandable.

Key Results:

Process 15 to 25 loans per month accurately and timely, with a pipeline of 30 to 60 loans at any given time.

Condition and review files to be complete within a 45 to 90 day rate lock period with a 5% or less audit error rating on a monthly basis.

Gather all documents required to close and fund loans as needed by working with senior Underwriters and Originators.

Validate income bank statements tax returns and all collateral documents to ensure loan is in compliance with bank and investors.

Maintain consistent accuracy with FHA, Conventional, HARP, and Streamline guidelines when calculating ratios, documents, and conditions required to close the loan

Maintain excellent phone and customer service skills with vendors and customers to make the process seamless and understandable to all parties.

WELLS FARGO HOME MORTGAGE – Tempe, AZ

Processor 11/09 to 2/11

Provided support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Reviewed and verified borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensured compliance with company policies, underwriting guidelines and lending-program requirements

Key Results:

Collection of loan proposals and ensuring they are processed accordingly.

Verifying the accuracy and thoroughness of the loan application along with other related documents.

Estimate and assess the financial status of the applicant and cross check this person with the help of the survey agents.

Schedule an appointment with the applicants and interview them for clarification of the data submitted on the application, look for any discrepancies.

Explain and affirm the different loan repayment modes and help them to select the best strategy coinciding with their financial status.

Redress the grievances of the customers regarding the loan processing and repayment schedule.

AMERICAN DISCOUNT MORTGAGE – Scottsdale, AZ

Mortgage Loan Officer 3/09 to 11/09

Assumed responsibility of generating leads for Purchases, FHA, Arms, and Conventional loans. Additional responsibilities included scrubbing credit reports, tax returns, assets and income to ensure file was complete and within guidelines of the investor and bank. Worked with Sr. Underwriters to get ratio, documents, and condition exceptions on files. Examined appraisal and title reports facilitating closing and funding of loans with customers.

Key Results:

Demonstrated the ability to maintain a continuous, high level of customer service with borrowers and vendors at all times.

Quickly mastered guidelines of all secondary investors as policy changes were made.

Able to review all loan documentation needed to process and underwrite loans within rate lock periods. Worked with Sr. Underwriters and realtors to ensure borrowers had continuous understanding of the loan process.

Operated mortgage computer systems to generate documents needed for files in order to stay in compliance with government guidelines and inform the borrower of cost.

Generated 15 to 25 loans per month and managed the office pipeline of 100+ loans.

Education

DEVRY – Online

Bachelor of Science in Business with an Concentration on Project Management, Present

Technology Summary

MS Office (Word, Excel, PowerPoint Outlook) Lotus Notes Point QuickBooks Windows (all)

480-***-**** ad4vtk@r.postjobfree.com

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