Michael Mcphail Email & Phone Number

Oklahoma City, Oklahoma, United States

• Calculate number of votes needed for candidates to win election based on district demographics, election result history, voter registration, and partisan history.• Create voter targeting universe for door-to-door canvassing, phone banking, text banking, and mail efforts.• Strategize with campaign manager on shrinking number of voter contact targets to fit campaign budget while maintaining voter contact program effectiveness.• Construct online ‘virtual’ phone banks and door to door canvassing walk turf in voter contact canvassing system, including writing scripts.

Dallas, Texas, United States

Work with software developers to create loan origination software features for lock desk/secondary marketing aspects of mortgage loan origination software.

• Accept lock requests from wholesale brokers• Lock loans in Optimal Blue and record sale information in Encompass• Distribute lock confirmations to wholesale broker and internal loan production staff.

Addison Texas

Calculate monthly gains and losses on loans fundedWork daily lock exceptions and changes from incoming Credit UnionsAssist Credit Unions with questions about getting loans locked in the loan origination system (LOS)Credit Union's point of contact for pricing and LOS questionsAssist Credit Unions with questions about daily pricingUpload and maintain rates in the LOSMaintain and update third party systemsAssist Credit Union staff with technology issuesSet up new Credit Union's and their staff on systemsSupport Correspondent Lending Department as neededOther duties as assigned

Addison Texas

• Create and upload new rate sheets for bond products every morning.• Accept lock requests, confirm price quotes on hedged and best effort delivery loans, and issue confirmation of lock to mortgage loan officers and external clients via LOS.• Commit best efforts loans in investor webites and record confirmations in LOS. • Instruct inbound callers on lock registration inquiries and procedures.

• Accept lock requests, confirm price quotes on hedged and best effort delivery loans, and issue confirmation of lock to mortgage loan officers and external clients via LOS.• Commit best efforts loans and record confirmations. Audit and verify lock requests for jumbo best efforts locks to resolve price discrepancies prior to loan purchase.• Provide price quotes for rates not published to internal and external customers via telephone and email.• Instruct inbound callers on lock registration inquiries and procedures.

Irving Texas

Underwrite residential mortgage loans in a fast paced environment. • Third underwriter in office of over 200 to earn lending authority.• First on underwriting team to win employee recognition award for service above and beyond call of duty.• Evaluate the completeness and appropriateness of the documents sent in with application.• Communicate perceived quality control issues with borrowers, loan officers, and loan processors to resolve potential concerns. • Evaluate borrower’s employment, income, and assets to determine suitability of loan to meet the borrower’s needs. • Analyze title commitment and credit report to assure all items are accounted for regarding compliance with investor requirements, legal compliance, and credit policy requirements. • Create and clear suspense conditions as required.• Communicate findings and requests with borrower, loan officer, and mortgage processor.

Dallas Texas

Worked as election coordinator for Dallas County political party. • Recruited Election Day polling place judges and alternate judges for primary and primary run-off elections as well as the general election in November.• Secured training locations and created invitational mailer for training sessions for judges and alternate judges in the November general election.• Prepared voter contact lists for activists and distributed yard signs and campaign literature to precinct chairs.

ACQUIRED FIRST HORIZON HOME LOANS IN OCTOBER 2008)Support Assistant, Secondary MarketingAnalyze and correct yield spread premium pricing while coaching less-experienced lock desk and processing staff on proper pricing procedures.Analyze change requests for loans in loan booking system for pricing changes based on changes to loan to value ratio, property types, loan purpose, and other factors.Coach less-experienced lock desk and loan processing personnel on proper error resolution policies.Communicate reasons for denying change requests to loan processors via extensive telephone and email contact with the branches.Created rates sheets and allocated funded loans for First Horizon's private label Alt-A, second lien, and jumbo mortgage backed securities and expanded criteria loans for sale to Fannie Mae's cash window prior to the industry's withdrawal from those products by mid-2007.Recommended solution to long-standing rate sheet distribution process that reduced daily rate sheet distribution time by over two hours, dramatically improving customer satisfaction from our loan officers and mortgage brokers.Initiated and spearheaded data integrity project that successfully targeted sources of major recurring errors in Alt A and jumbo private label securitization reports. Resulting data processing improvements reduced monthly audit report 'proof-reading' time for team by at least six full work days per month.

Process and close loan applications while providing top quality telephone customer service.Calculated income levels and evaluated credit reports, appraisals and title commitments in accordance with underwriting guidelines.Negotiated rate and loan-to-value exceptions with underwriting and senior sales management.Prepared file for booking and funding team to create closing documents and fund loan. Mentored struggling, inexperienced new processors and revamped communications processes with a high-maintenance sales district after regional processing centers were centralized, dramatically slashing complaint calls from field to processing team's Vice-President. Achieved such high productivity was trusted to be sole processor for sales district that previously employed team of five processors. Routinely ranked among top five processors in number of files closed per month.Post Close Auditor (2003)Audited mortgages to verify correct parameters transferred to billing system.Inspected adjustable rate mortgage rate change caps to ensure correct payment.Flagged corrected information for curative representative to alter servicing database.Performed more extensive data integrity audits during change over to new billing database.Top ranking auditor on ARM audits within two weeks of starting in position.Document Preparation Specialist (2002-2003)Stacked documents and prepared files for scanning and index into imaging system.Trained new hires on proper stacking process.One of a handful of team members trusted to use industrial sized document scanner and trained other users of the machine.Identified major hold up in poorly produced bar-coded label sheets. Drastically cut bar-coding errors for entire team by properly producing label sheets for entire forty member stacking team.One of only three Imaging department team members picked to work on two separate securitization audits for Records department.

Bba, Finance

Associates Of Applied Sciences, Mortgage Banking

Associates Degree, Arts And Sciences

PROFESSIONAL DEVELOPMENT Mortgage banking classes include Loan Origination and Quality Control; Mortgage Lending (Compliance); Secondary.