Brenda J. Carmicheal

*** ********* **, ***********, **, 60440

708-***-****

ac77cj@r.postjobfree.com

MORTGAGE BANKING

● Experienced professional with a successful career in mortgage banking, business development, and administration. Through underwriting, processing and management.

● An effective manager with the skills necessary to direct, train, and motivate staff to its fullest potential. Excel within highly competitive environments where leadership skills key success.

● Excel at interfacing with others at all levels to ensure organizational goals are attained.

● Possess excellent interpersonal, analytical, and organizational skills.

● Experience with Gus, DU and VA Systems.

PROFESSIONAL EXPERIENCE

LoanDepot, Schaumburg IL. 09/17-11/18

Loan Processor III

● Manage pipeline of Conventional, Renovation, USDA, FHA, VA pipeline.

● Submit loans through GUS, DU, and Veterans Portal.

● Check loans for Compliance and RESPA.

● Renovation loans with HELOCS.

US Bank, Naperville IL.

Loan Processor II 05/16-09/17

● Pre-Review files for underwriter to review.

● Submit through DU, LP, Gus, and IHDA loans.

● Review loans for compliance with RESPA,TIL,HMDA, REG B and TRID. BMO Harris, Naperville IL.

Affordable Lending Specialist 03/15-5/16

● Underwrite Affordable Lending mortgage projects liaison for mortgage and current programs that specialize in low to moderate clients through FHA and Conventional and Portfolio loans.

● Ensure thorough understanding of applicable mortgage products through FHA and Freddie guidelines.

● Maintain Key programs, NHLP-National Home Lending Program, WHEDA, & LMCT.

● Adhere to Credit Decisions for all files that were submitted to underwriting. Caliber Home Loans, Itasca Il 05/14-11/14

● Review documentation from Broker/Account Executives for accuracy.

● Ensure guidelines for FHA, VA, Rural Housing, and Conventional are up to date.

● Ensure files are in compliance with Regulation B & C.

● Weekly Sales Calls to Account Executives and Brokers. JP Morgan Chase Bank, Downers Grove IL. 07/11-12/13 Senior Loan Processor

● Interact with Sales and Lending Manager.

● Execute the guidelines of FHA and Harp.

● Account Executive between Loan Officer and Sales Manager.

● Review loan for quality within underwriting guidelines. PNC Mortgage, Downers Grove, IL. 07/09-12/10

Senior Loan Processor

● Manage pipeline of government files includes, rural development, FHA, VA, Hamp and Harp loans.

● Interpret and apply loan processing policies to correct errors and resolve discrepancies and mortgage lending and secondary marketing.

● Prepare for changes in regulations applicable to the work unit. Apply local, state, and federal regulations relating to processing mortgage loans.

● Review loans for quality and compliance standards for auditors. Washington Mutual, Lisle, IL. 12/05-07/08

LFC Team Manager

● Manage all facets of customer service to ensure compliance with policies and procedures related to loan set-up and shipping processes.

● Develop subordinate skill-sets through goal-setting, delegation, training, performance management, staffing levels and personnel actions for performance goals.

● Recruit and train coach mortgage operations employees; develop, implement, and apply training and development and performance evaluation.

Long Beach Mortgage/Washington Mutual,Lisle, IL. 07/04-12/05 Senior Underwriter

● Perform analysis and execute credit decisions on loans in accordance with major credit policies.

● Provide second signature support on home equity and 1st mortgage products as directed by manager.

● Review and analyze all areas of mortgage loan applications to ensure competency and compliance with regulatory guidelines.

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