Patricia M. Michalek

**** ***** **** ****** #**

Hamburg, NY 14075

716-***-****

CAREER

OBJECTIVE

To ensure a responsible position with a progressive company utilizing my current skills and abilities to further my career.

EMPLOYMENT

HISTORY

M&T Bank Corporation

Contractor for KForce 9/13/16 – 2/21/17

Permanent M&T Employee 2/21/17 - Present

693 Seneca Street

Buffalo, NY 14210

Mortgage Documentation Specialist

M&T’s/WT Document Custodian

Document custodians provide critical services for loans owned or securitized, subject to eligibility criteria and operating standards. A document custodian must hold documents related to the pooled mortgages on behalf of FNMA/GNMA/FREDDIE for the life of the pool or loan package. Prior to submission of a pool or loan package for processing, it is the Issuer's responsibility to select an eligible institution to serve as document custodian. The document custodian works directly under the Issuer. While an Issuer may use different document custodians for different pools or loan packages, each pool or loan package must have only one document custodian.

As part of a comprehensive range of services and flexible, innovative products for institutional and municipal clients, M&T Corporate Trust Services offers document custody services to provide for the safekeeping of collateral files and related services. With our extensive experience as an agency-approved custodian, our document custody services include:

Automated releases

Online access

Online certifications via GinnieNET and MOREnet

File review, certification and recertification

Exception reporting

Endorsement services

Remote client access

Secure, fire-resistant physical environment

Experience and Qualifications of the M&T Corporate Trust Services Team

M&T's Corporate Trust Services division has been providing mortgage custody services for more than 15 years. As an approved FNMA, GNMA, RTC, FDIC and private investor custodian, we are able to provide document filing, maintenance and tracking for various collateral types, including:

Commercial mortgages

Timeshare loans

Equipment leases

Home equity loans

Home improvement loans

Franchise loans

Residential mortgages

Vehicle loans/leases

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New Era Cap Company

8/9/11 – 9/9/16

160 Delaware Avenue

Buffalo, NY 14202

Payroll Analyst

-Performs a variety of payroll and accounting duties in the preparation, processing and maintenance of in house payroll utilizing KRONOS HRIS/Payroll System.

-Scan/manually key in dozens for all piece work production employees into POLCA.

-Researches and analyses discrepancies and processes appropriate corrections for the Union.

-Process Derby pay to Gross in POLCA environment.

-Assists in the maintenance of employee information such as address and contact information.

-Folding and sealing of production paychecks and direct deposit advices.

-Verify written and verbal employment information for current and past employees.

-Online reporting to NYS for new employees.

-Assist employees on payday with written pay discrepancies; research and correct pay

issues

02/2011 New Era Cap Company (Temporary Job) 8/9/11

160 Delaware Avenue

Buffalo, NY 14202

Payroll Clerk

Scanned and keyed in dozens for all production employees in the Derby, NY location.

Assisted the Payroll Manager

Balfour

4 Centre Drive - Suite E

Orchard Park, NY 14127

Assistant to Sales Representative 8/27/10 - 9/28/10

- Prepare High School/College Ring packages to be delivered to various schools

- Update pricing for rings via spreadsheet

- Accompany Sales Representative to schools to take ring orders

- Answer phones, filing, assist as needed

Bank of America

475 Crosspoint Parkway

Getzville, NY 14068

MLO - Foreclosure Analyst - Part-Time 8/09-8/25/10 Work directly with foreclosure attorneys to manage the foreclosure process and resolve research problems which are associated with the foreclosure process. This function includes creating bidding instructions on behalf of the attorney according to guidelines, documenting sales results, postponing or cancelling foreclosure sales as needed, ordering appraisals, BPO values needed to create a bid. Communicate with attorney’s via e-mail providing them with information requested. Cross Train within the Foreclosure Department and assist as needed.

Milo - Loan Services Specialist - Part-Time 01/09-08/09

Responsibilities include set up, follow up, analysis and/or closing of a loss mitigation referral. This includes input, review and/or analysis of customer information in order to resolve a default situation through various workout options. Communicate with customers through inbound and outbound telephone calls as well as responding to written inquiries and referrals from other default areas.

HSBC Bank, USA *Lay Off*

1 HSBC Center

Buffalo, NY 14203

CRE Servicing Specialist - Mortgage Warehouse Lending 3/97-11/08

Provide operational and administrative support for Commercial Lending personnel, ensuring provision of quality timely and accurate service to internal and external customers and compliance with Company and regulatory policies and procedures.

Duties Include:

- Complete administrative and servicing activities for Mortgage Warehouse Lending customers and maintain quality service for all customers.

- Ensure files contain accurate and complete information to allow loans to be properly serviced.

- Perform collateral review of mortgage note, mortgage and assignment for data integrity.

- Contact external parties such as borrowers, attorneys, as required to proper servicing of customers at all times.

- Handle overdraft situations making sure necessary credit approvals are obtained. - Process daily advances and payments and interact with various customers.

- Ensure all records are current and accurate to support portfolio and integrity of company financial statements.

- Cross train in other servicing functions to ensure proper servicing of customers at all times

- Work remotely from home

- Interact with various customers, teammates and both internal and external contacts in an effort to improve processes and procedures

- Perform various administrative duties as assigned to assist in smooth transitions of work flows

- Generate and update monthly reports for review by management

- Prepare and/or verify accuracy of reports and send to customers daily

- Manage/update investor approval on system for each customer

Senior Commercial Support Specialist - Agency Services 12/95-3/97

Provide operational and administrative support for Commercial Lending personnel, ensuring

provision of quality, timely and accurate service to internal and external customers and compliance with Company and regulatory policies and procedures.

Duties include:

-Complete transactions and research/resolve servicing issues requested by commercial lending customers via telephone or in writing

-Contact customers to resolve documentation exceptions

- Assisted in loan processing, depository and system investigations

-Review daily reports for accuracy to support maximized revenue opportunities, taking correction action as necessary

- Process daily advances and repayments for large participation and syndication loans for which companies are either lead or participated and interact with various lead banks and customers

-Conduct performance reviews and set appropriate goals in conjunction with staff members

Accountant I - Agency Services 9/93-12/95

-Utilized in-house system to track/monitor accounts for advance requests/repayments; wiring funds out in a timely manner

- Worked with in-house traders setting libor rates

- Monitored account lines for renewal

- Ensured Bank has current documentation; keeping customers files updated

Loan Processor - Home Equity Department 8/91-9/93

- Reviewed HELOC documents for accuracy ensuring they are within the ban procedures

- Monitor daily loan findings providing branch proper documentation to provide to customers

- Reconciled funding accounts ensuring they are in balance

- Handled customer/branch inquiries

Secretary II - Loan Services Department 6/89-8/91

-Typed letters, reports, memoranda, forms and schedules

-Compiled report data

- Maintained department records and filing system

- Scheduled appointments & meetings/arrange travel accommodations

PC/Systems: Proficient in Excel, Word, Lotus Notes, AFS, WLI, On-Demand, Pro-Merit, OLS, AS400

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