Michelle Bennight

ac8op0@r.postjobfree.com

210-***-****

PROFESSIONAL SUMMARY

Dedicated and Performance driven individual with exceptional attention to detail. Proven ability to function in fast-paced, changing environments and interact effectively with all levels of Leadership, Builders, Realtors, Customers and Clients.

EXPERIENCE

Sente Mortgage June 2018 – August 2018

Sr. Loan Processor

Processed Conventional, FHA, & VA Loans from Application through Funding

Experienced processing AUS “Day 1 Certainty” for direct sale to Fannie Mae

Cornerstone Home Lending, Inc April 2014- December 2017

Sr. Loan Processor

Extensive knowledge of USDA, Bond, FHA, VA, and Conventional Loan Program

Processed challenging loan applications (e.g., self-employed applicants and borrowers with problematic credit histories)

Worked Closely with several Builder Accounts to ensure each New Construction Loan received the highest level of Customer Service to all parties of the transaction (e.g.; Borrower, Builder Sales Manager, Builder Sales Rep, Buyers Agent, Title Company and Loan Officer)

SWBC Mortgage Company April 2012- February 2014

Sr. Loan Processor

High attention to detail, communication and organizational skills - which enabled me to maintain a superior level of communication with the Credit Unions we served, Borrower's and SWBC Team Member's.

Created and maintained accurate daily status report of 600 plus loans for Corresponding Credit Union, management, and team members

Cornerstone Mortgage Company April 2009- April 2012

Processing Team Lead/Sr. Loan Processor

Coached Less tenured processors on processing, clearing underwriting conditions, preparing the file for closing, and clearing any deficiencies and investor suspense items

Extensive experience processing and closing HUD owned property

Obtained Loan Processor License for the State of Kentucky to assist in Processing for Call Center Production

Standard Pacific Mortgage February 2006- February 2008

Sr. Loan Processor

Provided excellent customer service for maintaining positive relationships with our clients, the builder we service, the title company, realtors and anyone involved in the transaction

Validated Approved AUS Findings for Conventional and FHA loans

Processed super rush files for closings in the last week of the month

Balanced and approved HUD-I settlement statements- Ordered closing documents, authorized funding, and shipped closed file to Purchasing Investor

Received underwriting “Empowerment” to sign off on loan approval conditions

Frequently rewarded by underwriting for excellence in file processing

Mortgage Tree Lending January 2005 - November 2005

Sr. Loan Processor

Assisted with organization and direction of day to day work flow within branch office

Trained new office staff on company policies and procedures

Created and maintained daily pipeline reports and client database for Branch Manager and Loan Officers

Examined files assembled by other processors prior to underwriting submission to pinpoint any issues and/or missing documents

BroadStreet Mortgage March 2004 - December 2004

Sr. Loan Processor

Maintained high level of customer service by being proactive in communicating with all parties involved in loan transaction (borrower, realtors, builder, title)

Ensured accurate, complete and timely input of loan application data in Calyx Point

Prepared Correspondence, commitment letters, loan disclosures, and pertinent documents as needed

KB Home Mortgage June 2000 - March 2004

Sr. Loan Counselor

Originated and maintained a pipeline which fluctuated between 60-120 loans at any given time

Examined borrower credit profile while performing income, employment, and residence evaluation with respect to DTI and LTV in relation to specific loan program guidelines

Continuously averaged 94% Net-Retention and 95% Customer Service which ensured bonus incentives

Collaborated with colleagues to establish best practices and resolve problems

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