Ethan S. Email & Phone Number

United States

• Create and Issue daily rate sheets
• Confirm and accept locks from all channels (retail, wholesale, correspondent)
• Monitor and perform changes to locks and rate adjustments as well as extensions
• Understand and communicate investor policies and requirements
• Register loans with state agencies and manually lock loans in Encompass
• Final price all loans prior to closing and address any discrepancies

Troy, Michigan, United States

• Lock loans with investors and internal CRM; research and complete re-locks; revise lock and extension request in a timely and professional manner.
• Manage the Lock Desk queue in a timely manner by providing support to Loan origination units as needed.
• Enforce AmeriSave Rate Lock Policy while working closely with Loan Officers and Operations Staff
• Aid production support staff in challenging pricing situations such as High-Cost exceptions, HPML credits, etc.
• Offer solutions and work with the Information Technology Team to maintain accuracy of internal pricing engine to improve system processes and performance.
• Monitor investor rates and update pricing model as needed.

Indianapolis, Indiana, United States

• Deliver results related to individual and branch sales goals as well as customer expectations.
• Develop new relationships – and maintain existing relationships - collaborating with customers throughout the loan process and loan life cycle.
• Present financial solutions, based on customer needs, which meet their goals.
• Present customers with optional insurance products.
• Educate customers on the terms and conditions of their loan to ensure a clear understanding.
• Partner with local businesses to seek out and develop new customers.

Remote

-Manage rate lock desk including communicating company rate lock policies, execute rate locks, extensions, re-locks, & rate and program changes.-Register and lock loans with various investors; ensuring accuracy between our pricing engine and investor rate sheets.-Respond to pricing request quotes for program and rate changes, lock transfers, cancellations.

Remote

-Processing lock requests for Correspondent and Wholesale brokers-Calculating the cost of extension requests-Providing daily rate sheets to internal and external clients-Performing necessary LLPA's-Providing rate stacks upon request-Keeping up to date on recent changes in Fed regulations, interest rates, market changes-Daily communication with brokers.

United States

-Locking new lock requests using Encompass software-Processing new lock requests, re-locks, change requests, and extensions-Selecting most competitive rates from Optimal Blue for best effort commitments to investors-Manage pipeline of loans and ensure active locks don’t expire-Monitoring MBS Quoteline for intraday price changes-Calculating worst case.

Indianapolis, Indiana Area

• Perform financial adjustments to customer accounts
• Email correspondents with requestors to obtain more information
• Presenting monthly performance metrics to the department
• Resolving cases while monitoring regular daily deadlines

Westfield, IN

• Analyzing customer escrow accounts for accuracy & making modifications as needed
• Verifying tax and insurance premiums with vendor and county tax websites
• Providing detailed breakdowns to customers with new and existing escrow accounts

Indianapolis, Indiana Area

• Handled time sensitive and confidential information for various state agencies
• Catalog data in Excel spreadsheets
• Managed opening and closing duties
• Took inventory and ordered new supplies as needed

Indianapolis, Indiana Area

-Copy and print jobs for paralegals and attorneys-Courier and filing duties at state and county office buildings-Distributing and retrieving mail throughout the firm-Assisted in training new hires

Bachelor'S Degree, Computer/Information Technology Administration And Management, Junior

Activities and Societies: Member of National Society of Leadership & Success

High School Diploma

Graduated with 4.0 GPA