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Customer Service Real Estate

Location:
La Marque, Texas, United States
Posted:
March 09, 2018

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M ICHELLE L JENKINS

Ph:281-***-**** ac4q8c@r.postjobfree.com

PROFESSIONAL SUMMARY

Over 15 years of mortgage industry experience in; Underwriting, Origination, Processing, Operations, Compliance, Risk and Quality Assurance. Ability to adapt well to change while remaining self- motivated, independent and customer service oriented. Expertise in managing work flow, team building and development. Above average verbal, analytical, written communication, decision making and negotiation skills with ability to help provide appropriate resolutions promptly. WORK EXPERIENCE

A-OK MORTGAGE BROKER

Sales Associate Assistant, Mar 2017 – Present

Analyzed credit data and financial statements, determining clients goals. Assisting originators with product selection and the structuring of files for forward and reverse mortgages Subject matter expert for Government, Agency, Non Agency and Non QM Mortgage product and guidelines

Managed pipeline from origination to closing for multiple Originators. URBAN LENDING SERVICES / BPO

Sr. Underwriter, Nov 2016 – Mar 2017

Analyzed credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

Rendered approval/decline decisions on incoming conforming and non-conforming mortgage loan applications consistent with internal and investor policies. Analyzed employment profile, credit strength, property characteristics, and all other information pertinent to credit decision process on each mortgage application. Using internal and investor guidelines to issue credit decisions.

Issued mortgage commitments. Selected required conditions to be satisfied at or prior to funding. Verified accuracy of supporting employment, down payment, appraisal, and financial documentation received. Reviewed documentation for compliance with internal and regulatory guidelines. BANK OF AMERICA/ VIA BPO ACCENTURE CREDIT SERVICES/, SAN ANTONIO, TX SASE III Sr. Underwriter, Nov 2015 – Oct 2016

Analyzed credit data and financial statements to determine the degree of risk involved in extending credit or lending money with lending authority of 1 million dollars. Rendered approval/decline decisions on incoming conforming and non conforming mortgage loan applications consistent with internal and investor policies. Remained current and up to date with all agency guidelines and company overlays. Issued mortgage commitments. Selected required conditions to be satisfied at or prior to funding. Verified accuracy of supporting employment, down payment, appraisal, and financial documentation received. Reviewed documentation for compliance with internal and regulatory guidelines. AMCAP MORTGAGE, HOUSTON, TX

Quality Control Underwriter, May 2015 – Oct 2016

Reviewed documentation for compliance with internal and regulatory guidelines. Developed knowledge of company underwriting guide lines for conventional and government loans products, policies and procedures.

Performed curative activities pre and post-closing. Worked closely with upper management in document and resolving trends in file data. CITI MORTGAGE (VIA BPO - SGS), HOUSTON, TX

Mortgage Underwriter III, Feb 2013 – May 2015

Negotiated loan terms to satisfy interests of client and investor. Selected required conditions to be satisfied at or prior to funding. Using the underwriting system, input: selected conditions, credit information, property details and borrower information. NETWORK FUNDING, LP, HOUSTON, TX

Sr. Processor, Apr 2012 – Aug 2012

Reviewed FHA, VA, Conventional residential loan application files to verify that application data was complete and met company standards.

Pre-underwrote file to determine if it was ready to be submitted for initial underwrite. Worked with loan officers, borrowers, and third-party providers to obtain documentation. Developed knowledge of company underwriting guide lines for conventional and government loans products, policies and procedures. Analyzed detailed financial and credit data. WELLS FARGO HOME MORTGAGE, HOUSTON, TX

Mortgage Consultant, Oct 2010 – Feb 2012

Developed knowledge of company underwriting guide lines for conventional and government loans products, policies and procedures.

Analyzed detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk.

Understood and reviewed real estate appraisals, title reports and real estate transaction documentation. Informed clients of programs that best fit their needs. Cultivated relationships with past clients, real estate professionals, builders and other business referral sources. NETWORK FUNDING, LP, HOUSTON, TX

Branch Manager, Originator, Processor, Nov 2007 – Nov 2010 Networked within communities to find and attract new business. Recruited staff members and oversaw training programs. Planned, directed, or coordinated the activities of workers. Cultivated relationships with past clients, real estate professionals, builders and other business referral sources.

ADDITIONAL SKILLS

Management

Signing authority of $1 million

Fannie Mae & Freddie Mac Underwriting Guidelines

MS Office Suite, Calyx Point, Encompass, Empower, Data Trac, DU, LP, DE, Excel



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