Ethan S. Email & Phone Number

Indianapolis, In, Us

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• Manage pipeline rate lock policy to ensure profitability in all market conditions.• Create, update and maintain data in Optimal Blue including but not limited to -branch/company margins, comp plans, investors, products, fees and user profiles.• Send daily rates and confirm trades with MCT utilizing their online platform• Create weekly loan sale reports and work with MCT on weekly sales of all eligible loans• Enter in daily Purchase Advice data into Encompass• Investigate any pricing discrepancies on Purchase Advises with Post-Closing and/or Investor• Monthly Lenders One Reporting and Management Leakage Reports• Create and Maintain weekly Presentations for sales staff and processing. Including but not limited to setting up weekly presentations, maintaining Teams schedule and creating flyers and emails on upcoming presentations, recording and saving presentations for future review.• Obtaining, completing and submitting all new lender applications and maintaining current investors with monthly and annual recertifications. Setting up training for all new investors with Operations staff.• Responding to LO and processor requests for scenarios, guidelines, investor logins and AE Contact information.

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.• Utilize credit underwriting techniques and sales tools.• Manage the life cycle of the loan, including collections activities, complying with all laws and regulations.

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, and general loan eligibility.-Process locks and other requests in a timely fashion and update loan origination system with necessary information for the Loan Advisor’ and operation’s team.-Resolve and reconcile pricing issues.-Assist with system, product and procedural inquires.-Publish rates & monitor market for price changes.-Work closely with VP, Secondary Marketing to implement system changes, testing and process flow enhancements.-Provide support to help with running reports for Investor reporting, hedging, lock expirations, etc.

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, executive teams, investors to assist with getting loans CTC-Providing approval or denial of requests per company policy or Agency Guidelines-Calculating margins, loan amounts, LTV, off sheet pricing

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 pricing for expired locks and extensions and determining discount points-Assisting the Modification department with e-filing, shipping, and requesting checks for county recording fees, sending completed CTP mod files to investors

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