Michelle K. Plummer

***** ********* **, #****

Houston, TX 77070

219-***-****

ac4qzl@r.postjobfree.com

OBJECTIVE: To seek full time employment that will utilizes my knowledge.

SKILLS

Can underwrite Conventional loans

Can effectively utilize any automated underwriting system

Can review appraisals

Can review all aspects of title commitments

Has knowledge of HMDA guidelines

Has strong customer service skills

Has strong attention to detail

Has strong decision making skills

Can review files or quality control

Can effectively train and manage a staff to complete mortgage operations.

EMPLOYMENT

1/13-Present Sr. Underwriter

Freedom Mtg Underwrite conventional loans

Remote Full lending authority

Utilizing Fannie and Freddie guidelines

Jumbo, High Bal and all other conventional products

Review Appraisals

Review Titles

Review Income and Assets

8/12-1/3 Underwriter

Sutherland Mortgage Services Underwrite conventional loans

Houston, TX Full lending authority

Underwrite home affordable products

Review Appraisals

Review Titles

Review Income and Assets

11/10-8/2012 Processor

Chase Mortgage Process Conventional and FHA loans

Communicate with LO, title and operations

Review Appraisals

Review Titles

Review Income and Assets

2/09-12/10 Security

Tyco/Allied Tube

3/07-2/09

Worldwide Mortgage & Finance, Inc. Underwriter/Operations Manager

Evergreen Park, IL Manage the processing staff

Authority to clear conditions

Authority to final approve loans

Underwrite conventional loans

Process government loans

12/05-03/07

Ocwen Financial Underwriter

Downers Grove, IL Direct contact with brokers

Full Lending Authority

Trained India processing staff

Direct contact for India processing staff

Decision 10-14 loans per day

Follow guidelines for underwrites

01/04-11/05 Office Manager/ Senior Loan Processor

Worldwide Mtg & Fn, Inc Processing FHA, Conf, Non-Conf,

Matteson, IL and commercial loans

Structured loans to fit into lender programs

Pre-Underwrite all loans for broker deals

Keep open line of communication with staff and lenders

Handled all pricing

Prepared reports for CEO

Prepared reports for HR

Preformed closings for refinance loans

Reviewed all titles

Reviewed appraisals

1/02- 10/03 Sr. Processor

Universal Financial Group Processed Conf., non-conf

Palos Heights, IL Prepared closing packages

Performed closings

Reviewing files for secondary

Processed FHA loans

Direct contact between borrower and lender

Kept open line of communication with L.O

Prepared reports for upper management

Reviewed titles

Closed 30-50 loans per month

6/00-1/02 Jr. Underwriter

Capital Mortgage Process Conf. and non-conf loans

Chicago, IL Underwriting files through automated system

Clear Conditions

Reviewed titles

Pre-underwrite files per lenders guidelines

Ordered closing docs

3/97-6/00 Office Manager/ Senior Loan Processor

Conquest Mortgage Manage an office of 4

Dolphin Mortgage Process Conf., non-conf., FHA, and VA loans

Park Forest, IL Assistant to owner

Trained new hires

Reviewed all titles

Reviewed all appraisals

Priced all deals

Maintained communication with all lenders

Maintained communication with all L.O.’s

EDUCATION

Sawyer Business College Legal Sec./ Associates Degree 1996

References Available Upon Request

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