Key Responsibilities

The Mortgage Representative - Utah (Non-Producing) is responsible for the Company's licensed mortgage activities in Utah. This role is responsible for oversight of mortgage operations, regulatory compliance, supervision of licensed mortgage loan originators ("MLOs") in the state of Utah, and where applicable, coordination with compliance, legal, licensing, and leadership. The Mortgage Representative will also provide market competitive information related to product, pricing, marketing and other go-to-market strategies for the business. Provides subject matter expertise on all aspects of the digital lead generation HELOC business. The Mortgage Representative acts as the Company's responsible manager for Utah mortgage licensing activities and supports compliance with federal and state mortgage lending laws, NMLS requirements, and state specific operational and licensing obligations.

What You Will Do

• Provide subject matter expertise to product, pricing, marketing, technology and other support groups on HELOC strategy. Consults on internal process improvement, technical requirements and other aspects of the go-to-market strategy.

• Coordinate with compliance, legal, licensing, and management teams regarding regulatory matters and business changes affecting licensure including the individual and company NMLS licensing requirements as well as Utah Division of Real Estate.

• Support implementation and ongoing maintenance of compliance policies as well as the development and delivery of compliance training.

• Monitor MLO licensing status, continuing education completion, and adherence to regulatory and Company standards.

• Coordinate regulatory responses and represent the company in regulatory examinations and licensing reviews in the state of Utah.

• Partner with the Compliance Team to support timely submission of regulatory filings, reports, and renewals, as directed.

• Supervise, direct, and support licensed MLOs operating under the Company’s Utah mortgage license, as applicable.

• Ensure branch locations and any licensed Utah personnel remain properly licensed, registered, and in good standing.

• Oversee the Company’s licensed mortgage activities in Utah to maintain and achieve compliance with all applicable federal and state laws and regulations, including but not limited to:
  o SAFE Act
  o Real Estate Settlement Procedures Act (RESPA)
  o Truth in Lending Act (TILA)
  o Equal Credit Opportunity Act (ECOA)
  o Utah mortgage broker and lending laws and regulations

Minimum Qualifications

• Currently holds an active Utah Lending Manager license, or is able to obtain and maintain one, as applicable.

• Ability to be designated as the Principal Lending Manager for the Company and maintain Licensed Lending Manager status at all times.

• Minimum experience as required the Utah Department of Commerce - Division of Real Estate in order to serve as the licensed Utah Lending Manager.

• Demonstrated knowledge of federal mortgage regulations and Utah mortgage licensing requirements.

• Experience supervising licensed mortgage operations and/or licensed MLOs.

• Ability to obtain and maintain active applicable state licensure through NMLS.

Preferred Skills/Education

• Bachelor’s degree in Business, Finance or related field

• Prior experience serving as a Principal Lending Manager, Qualifying Individual, Branch Manager, or similar responsible person under a state mortgage license.

• Prior experience managing licensing or examination activity through NMLS.

• Experience working with multi-state mortgage broker licensing requirements.

About Lowe’s

Lowe's Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company serving approximately 16 million customer transactions a week, with total fiscal year 2025 sales of more than $86 billion. Lowe's employs approximately 300,000 associates and operates over 1,700 home improvement stores, 530 branches and 130 distribution centers. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.

Lowe’s is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.