Open To Work
Micah Lowmack
Work Preference
Summary
Dedicated mortgage specialist with proven expertise in processing and underwriting loans. Known for effectively coordinating documentation and facilitating communication among stakeholders, ensuring seamless loan transactions and minimized risk exposure for financial institutions.
Overview
13
13
years of professional experience
Work History
Escrow Support Processor
First American Title
Phoenix
07.2023 - Current
- Executed complex tasks with increased proficiency and knowledge.
- Provides centralized clerical processing of all documents connected with the initiation or closing of residential escrows.
- Provides centralized clerical processing of all documents connected with the initiation or closing of residential escrows.
- Streamlined branch operations by reducing excessive paperwork.
- Communicated information and instructions to escrow branches to ensure clarity and compliance.
- Executed complex tasks with increased proficiency and knowledge.
Underwriter I
Knock Lending LLC
Remote
05.2021 - 07.2022
- Comprehensive knowledge of underwriting guidelines and restrictions for conventional mortgages.
- Conducted risk assessments, income and credit analyses, and documentation reviews to ensure compliance and accuracy.
- Consistently commended for the timely and accurate completion of compliant loan packages based on agency guidelines.
- Collaborated with team members to facilitate timely funding and closing of deals, enhancing overall workflow.
Sr. Loan Processor
Zions National Bank
Remote
02.2020 - 04.2021
- Reviewed files for adherence to underwriting standards and ensured completeness of submission to facilitate timely loan processing.
- Contacted borrowers and mortgage brokers to collect necessary documentation, serving as liaison between origination staff, underwriters, and customers to streamline communication.
- Evaluated loan applications for compliance with bank policies and regulations.
- Collaborated with underwriters to ensure accurate loan processing and decisions.
- Reviewed financial documents to verify borrower information and creditworthiness.
Financial Underwriting Representative 3, EG Market Risk Management
Humana Healthcare
Remote
09.2019 - 12.2019
- Executed advanced administrative and operational support tasks, demonstrating independent initiative and sound judgment.
- Utilized intermediate mathematical skills to address challenges and enhance operational effectiveness.
- Assisted members with healthcare inquiries and benefits information.
- Educated clients on available health plan options and services.
- Coordinated member enrollment processes and documentation verification.
Sr Loan Processor/Transaction Coordinator
Home Point Financial
Remote
12.2017 - 07.2018
- Coordinated communication between real estate agents, clients, escrow companies, and mortgage brokers to ensure smooth processing of mortgage transactions.
- Verified receipt of all borrower documents and confirmed file eligibility for underwriting approval.
- Processed loan applications with accuracy and attention to detail.
- Reviewed financial documents to ensure compliance with regulations.
- Communicated with clients to gather required information and clarify details.
Sr Loan Processor
Loan Depot
Scottsdale
10.2016 - 11.2017
- Supported loan officer and underwriter teams by ensuring timely, accurate processing of mortgage applications.
- Reviewed and verified borrowers’ income, credit reports, employment histories, property appraisals, and title insurance to prepare loan applications for underwriting.
- Reviewed loan applications for accuracy and completeness during processing.
- Coordinated with underwriters to resolve outstanding documentation issues.
- Communicated with clients to gather necessary information for loan approval.
Home Mortgage Consultant
Wells Fargo Home Mortgage
Scottsdale
10.2014 - 10.2015
- Collaborated with Home Mortgage Consultant (HMC) to produce high-quality loans following Wells Fargo Home Mortgage guidelines, establishing referral relationships with realtors, builders, financial professionals, bank stores, past customers, and nontraditional sources while delivering exceptional customer service.
- Assisted clients in understanding mortgage products and processes.
- Reviewed loan applications for accuracy and completeness.
- Collaborated with underwriters to facilitate loan approvals.
Program Expert/ Sales
Ranstad/Learnvest
Remote
10.2015 - 07.2015
- Conducted outbound lead follow-up calls to potential and existing customers via telephone and email, qualifying leads and facilitating product and service sales.
- Collaborated with customers to identify needs, create tailored solutions, and streamline sales processes.
- Completed day-to-day duties accurately and efficiently.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Loan Processor
Ditech Mortgage Corp.
Scottsdale
08.2013 - 10.2014
- Originated residential mortgage loans through referral sources, including real estate agents and builders.
- Collaborated with real estate agents, builders, and mortgage referral sources to market Ditech mortgage products, generating a steady flow of purchase mortgage applications and closings.
- Reviewed loan applications for accuracy and completeness.
- Managed communication between clients, loan officers, and underwriters.
- Prepared necessary documentation for loan processing and compliance.
Education
Bachelor of Science - Business with an Concentration on Project Management
Devry
Phoenix, AZ06-2026
Skills
- Sales
- Relationships Building
- Client Negotiations & Management
- Audit and Compliance
- Multitasking
- Financial System Technologies
- Records Organization & Management
- Spreadsheets & Pipeline Reports
- Problem Solving
- Time Management
- Customer service
- Documentation review
- Communication skills
- Time management
- Problem resolution
- Loan document validation
- Credit score calculation
- Critical thinking
- Product inspection
- Interpersonal communication
Technology Summary
- MS Office (Word, Excel, PowerPoint, Outlook)
- Lotus Notes
- Point
- QuickBooks
- Windows (all)
- Encompass
Timeline
Escrow Support Processor
First American Title
07.2023 - Current
Underwriter I
Knock Lending LLC
05.2021 - 07.2022
Sr. Loan Processor
Zions National Bank
02.2020 - 04.2021
Financial Underwriting Representative 3, EG Market Risk Management
Humana Healthcare
09.2019 - 12.2019
Sr Loan Processor/Transaction Coordinator
Home Point Financial
12.2017 - 07.2018
Sr Loan Processor
Loan Depot
10.2016 - 11.2017
Program Expert/ Sales
Ranstad/Learnvest
10.2015 - 07.2015
Home Mortgage Consultant
Wells Fargo Home Mortgage
10.2014 - 10.2015
Loan Processor
Ditech Mortgage Corp.
08.2013 - 10.2014
Bachelor of Science - Business with an Concentration on Project Management
Devry