Ms. Michelle Watts

**** ******* ******

Parkville, MD 21234

Dear Sir/Madam:

I would like to explore the possibility of joining your institution. The enclosed resume will provide information concerning my education, experience, and qualifications. My objective is to be part of a growing team that will utilize my credentials, experience, and a powerful desire to achieve. Benefits to an employer are leadership, effective communication skills and work ethics, analytical abilities. I have years of experience and skill set ability to interact with all levels of staff and management. I am confident I will be an ideal candidate and asset. I express a powerful desire to learn and advance with your organization. I would like to discuss with you how my qualifications would be a good fit for this position. Sincerely,

Michelle Watts

ad46ew@r.postjobfree.com or ad46ew@r.postjobfree.com

Phone: 410-***-****

SUMMARY OF QUALIFICATIONS:

Sales professional with experience in sales/marketing of financial and lending products

Compelling reputation for customer satisfaction, teamwork, and community service

Good organizational/detail skills, ability to follow instructions, work very well in a team environment and independently.

Effective communication skills with internal and external customers

Computer skills include Microsoft Office, Word, Excel, and Power Point. Professional Experience:

Thrive Mortgage: LP/CP Coordinator (11/29/21-Current)

●Review and evaluate loan files for risk issues and potential misrepresentation.

● Effectively communicate with Loan Officers, Loan Production Partners, and underwrit- ers regarding loan file status, documentation needs, potential red flags, and file progression while maintaining a positive and professional attitude.

● Continuous communication, collaborating with Builders, LO’s Customers and Team. From start to finish of the loan process.

● Commitment to quality work to ensure efficiency and productivity.

● Perform loan processing tasks which include ordering VOE’s, Tax Transcripts, Title Work, Appraisals, Credit Supplements, assuring all pertinent documentation is received. Homeside Financial: Construction Loan Coordinator (6/19-11/19/21)

●Assist loan officers, loan officer assistants, processors, closers, and disclosure desk with

●Construction and Renovation related questions.

●Assist Loan Officers with renovation/construction loan structuring and program

●guidelines

●Communicate between departments on construction and renovation loans post-closing issues.

●Review construction/renovation conditioned items prior to uploading for the

●Underwriter to review for condition clearance

●Builder and Project Approval obtain and review all required documentation for submission to third party vendor

●Servicing: CP I/O Monthly Billing Statements, review for accuracy, make corrections, uploads into system prior to mailing and emailing to the borrower. M&T Bank Construction Support Coordinator I (3/17-5/19)

● Assist with writing new department procedures

●Train staff on new policies and procedures

● Assist the Construction Loan Administrators

● Maintain and distribute various reports

● Process payments, payoffs, and monthly interest reserve.

● Prepare and process the Daily Settlement for seven offices

● Knowledgeable and the daily use of various systems, CLCS, AFS, Hogan, On Demand, Smart spend, and Microsoft Office

● Research of CRE Loans, clear exceptions for loan documents and transactions One Main Financial

Operations Tech. Support Spec. (6/2015 – 2/2017)

●Answer calls and assist branches in resolving issues encountered with lending and

●collections to include system access, error message resolution, how-to instructions, adjustments, and technical issues.

● Reset passwords for various computer systems and applications.

● Research various levels of problems, by asking pertinent questions of callers to determine appropriate course of action.

● must be familiar with all reports and new releases and codes.

● Ensure company policy and procedures within the organization are complying Point Breeze Credit Union

Operation Support Representative: 6/2011-5/2015

Front Line Teller: 11/2010-6-2011

Member Service Representative: 4/2007-11/2010

● Manage member calls in the inbound call center. (Averaging four hundred plus calls a day)

● Perform and prepare bank reconciliations, for loan accounts, cross sell products.

● Comply with applicable laws and regulations as well as company policies and procedures.

● Manage and process the in and out going wires, ACH transactions, checks, and payments.

● Process all checks taken in via scanner, Quality Control

● Reconcile and process the daily cash reports for Federal Reserve, thru Fiserv. Chesapeake Appraisal /One Main Financial Team Leader (6/2002-3/2006)

● Managed employees, prepare performance reviews, Coordinate workflow.

● Gather necessary data to assist Management with account specific decisions.

● Assist the Division Manager with preparing and distribution of statistical and exception reporting.

● Provide work direction for twenty-five employees.

●Audit account specific reports to ensure accurate billing/client specific information. Customer Service Representative (8/1997- 1/ 1999)

● Coordinate and set up approved customers in the Main Database.

● Provide the first level of support to clients and vendors.

● Accounts Receivable/Accounts Payable

Signet Bank/MD Customer Service/Collections Supervisor (3/85-8/97)

● Provide the first level of support for complex loans and issues.

● Assist the department manager with the daily workflow (call volume of 1000 plus daily.)

● Review and examine Credit Reports, update credit agencies and debt collection.

● Oversee the daily production of 15 Customer Service Representatives.

● Collections: Outbound calls to customers in attempt to collect delinquent payments.

●Reporting updates to the major credit reporting agencies for consumer updating. Education: Paul Lawrence Dunbar Sr. High School

High School Diploma: General Academics 3.5 GPA (June 1979) College Courses: Written Communications: Principals of Banking: Accounting: Processing the Loan.

Seminars/Classes: Microsoft Word /PowerPoint; Excel, Telephone Dynamics; quality Customer Service; Title Insurance, Appraisal and Underwriting; How to Supervise People; Exceptional Customer Service and Collections and various others. Certificate of completion, Compliance, Reg. E, D. ACH, Completion of the STAR Program offered through MD & DC Credit Union Association.

● Computer Applications Familiarity: Outlook, ADP, Jira, Lexis Nexis, Venture, ACI UltiPro, Jabber, Encompass, TPX, CLCS and One Exchange.

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