welcome.

Welcome to Lower. We are so excited to have you join the team! I've included some information below for you to prepare for your first day. Please let us know if you have any questions during the process.

Before Your Start Date

Registration Through Workday

You will receive two emails to your personal email address from Workday that includes login information to access your Workday account. This will be necessary to complete your onboarding paperwork. One email will contain your username and the other will contain a one-time link to create your password.

Between now and your first day, you’ll receive emails from Lower Clickup with reminders for logging into Workday, your equipment shipping status, tracking numbers, etc.

Please continue to revisit this link for onboarding information and/or reach out to us at bizdev@lower.com with any questions.

IT Equipment

‍You will receive your company issued laptop a few days prior to your first day of work, typically on the Thursday before your start date. Please contact support@lower.com if you do not receive your laptop by the Friday before start-date. Please unpack, charge your laptop, and allow it to update as soon as you receive it. The updating of your laptop will take anywhere from 1-3 hours. Access your company issued computer by following the login steps. For security purposes, you may not be able to log into your laptop until you attend IT Orientation.

1. Enter Username: first initial+lastname@lower.com (ex. John Doe’s username is jdoe@lower.com)
2. Enter Password: Lower@2023!!

Social Media

We love to promote our team members on social media every chance we get. Please send bizdev@lower.com a headshot (professional but doesn’t have to be formal) before your first day so we can announce your arrival. Most employees like to use their LinkedIn photo for this.

First Day Schedule

Mandatory Orientation

All new employees are required to attend IT & HR Orientation on the first day of your employment. Your attendance is mandatory, and failure to attend will result in cancelation of your on-boarding. Please be on the lookout for orientation calendar invitations. You will need your laptop, cell phone, access to internet and login credentials. Connect your laptop to the internet and allow the computer to update. This will need a minimum of 2 hours to perform this update so please plan accordingly.

IT Onboarding Meeting via TEAMS @ 9am-10:30am EST: Meet with our IT team who will walk you through logging in and setting up your computer, reviewing our systems with you and ensuring that all technical questions are answered.

‍HR & Licensing Orientation Meeting via TEAMS @ 2:00-3:30pm EST: Meet with our HR team to review Workday, Benefits, Payroll, and Licensing.

Access Your Computer

Access your company issued computer and by following the login steps:

Enter Username: first initial+lastname@lower.com
‍Enter Password: Lower@2023!!

Due to Lower’s security protocol you will not be able to successfully login into your laptop until you attend IT Orientation.

Access Your Email

During your scheduled IT Orientation, you will be directed to open a web browser to mail.lower.com. You will use the following credentials when prompted:
Username: first initial+lastname@lower.com
‍Password: Lower@2023!!

By The End Of Your First Day

Onboarding Paperwork Through Workday

Once you’re logged in and are ready to access your onboarding items, you’ll select the Task Inbox icon that looks like this:

From here, you’ll complete the tasks in your Task Inbox including your personal information, emergency contacts, W-4 Tax Withholdings, direct deposit, and Benefits Enrollment. This will launch in 3 phases. We will go over these in your HR Orientation on your first day if you have any questions.

Upload I-9 Documentation

When completing your tasks in Workday you will be required to provide Government IDs to complete the I-9 form. Acceptable ID’s are either one item from list A (passport), or an item from list B (driver’s license) and an item from list C (birth certificate). Please see the following website for a list of accepted documents to submit: https://www.uscis.gov/i-9-central/acceptable-documents

Save This Contact Info

Recruiting Department bizdev@lower.com

Heather Mitchell
‍Senior Vice President Business Development
hmitchell@lower.com

Crissy Francis
Director of Business Development - Recruiting
cfrancis@lower.com

Molly Vignovich
‍Business Development Specialist- Recruiting
mvignovich@lower.com

Rece German
Business Development Specialist- Recruiting
rgerman@lower.com

First Week Training
(Retail Sales Only)

Tuesday

Simple Nexus (60 minutes)·
What is our POS?·
Create Your Account·
Simple Nexus Navigation·
Simple Nexus Help & Support

‍Encompass 1 (60 minutes)·
Navigate our URLA Streamline

Encompass 2·
Q&A
Quick Tour Encompass (Home Page & EllieMae Tools)
Authorization to pull credit (3 ways to obtainauthorization)
Order Credit & Import Liabilities
Discuss template change
Order TheWorkNumber and Order AccountChek·
Order MI (Conv. and Gov’t)
Run AUS
Generate & Print Prequal Letter

‍Encompass 3
‍Q&A
Update URLA Streamline
Order Flood Cert. (or mark as Manual)
Completing Forms in the forms tab
Review 2015 Itemization
Appraisal credit (where to add the credit)

Wednesday

Lock Desk –presentation by the Lock Desk Team
How to: Lock a loan, extend a Lock, Re-Lock and Change Request

‍Encompass 4
Q & A
Running Compliance Review (discuss ResourceCenter on Home Page)
ATR/QM discussion (guides to follow)
Making loan RESPA (file moves to Activepipeline)
Disclosure Desk (make sure sales contract infile for a Purchase)
Tracking Disclosures
Retrieve signed eDisclosures
Trends (ex. do not re-send Initial Disclosures, wrong emails, etc.)

Thursday

Encompass 5
Q&A
Discuss eFolder (upload borrower docs, upload income calculation, etc.)
ConversationLog / Notes to the file (tell the story)
Contacts (creatingnew contacts to database)
Fillecontacts – where to add your LOA
Complete Opening Milestone (moving file to processing)
Doorbell function

‍Encompass 6
Q&A and wrap up
Adding/Removing borrowers
Copying files & importing credit (guides to follow)
NOA noticeof action reminder
EncompassTools (Ctrl G, F1 and Home page)
Specialty Programs (show flyer)

Benefit Coverage and Enrollment Information

Benefits Guide

We have included some information to assist you in selecting your Lower benefits. Before you begin the benefits enrollment process, please review the Benefits Guide attached.
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FAQ

When does your Benefit Enrollment period begin?
New Hire Enrollment period will begin immediately after your start date.

How long is your Benefit Enrollment period open?
You will have 30 days to complete your enrollment.

When does your coverage start?
Your coverage will begin the first of the month following your date of hire.

How do I enroll in benefits?
Please log in to Workday and click on “Benefits Change-Hire” in your Workday inbox to begin the enrollment process.

Can I change my selected benefits?
You will not be able to make changes to your benefits once your enrollment period has closed unless you have a qualifying life event.

What happens if I do not enroll?
If you do not enroll in benefits via Workday, you will automatically be defaulted to the following coverage:
• 401k; 3% pay deferral
• Basic Life and AD&D Coverage at a flat $50,000 at no cost to you.

More Information

Need more information to assist you in making your benefit enrollment choices?
‍HR has partnered with a team of benefit experts to provide you with faster response times and assist with coverage questions, translating confusing jargon, answer questions about which benefits are on your plan and which aren’t, work directly with insurance carriers to resolve tricky issues regarding claims and denials of service – and more! Contact them directly at 855-874-0829 or at BRCMidwest@usi.com. (Please refer to the attached benefit flyer)

Let's chat.