Manager Management
Resume:
VANESSA A MICHEL
AURORA, CO 80016
******.*.******@*****.***
Barnes Business College: Office Specialist Program – Bachelors Degree in Business Management 1987
02/13-02/14 – Nationstar Mortgage
Loan Processor II - Responsible for processing loans from set-up to closing by verifying, compiling and entering borrower information in to loan processing systems. Reviews loan application files to verify that all data is complete and meets standards, including the loan type and purpose, borrower assets, liabilities, and employment. Responsible for the verification and analysis of loan documentation including income, credit, appraisal, and title, while maintaining strict compliance with all applicable federal and state regulations. Interact with Mortgage Professionals to obtain information from the borrower or to seek clarification about documents in the loan file, and contacts borrowers to obtain missing or incomplete information, as required. Contact specified companies to obtain property abstracts, surveys, and appraisals. Informs the Processing Manager of discrepancies in the file and determines the appropriate solution, as applicable. Record data to track the status of loans in processing and clears conditions according to a pre-approved list of conditions that may be cleared by processors. Submits loan application files to underwriting for approval, and creates and mails approval or denial letters to applicants. Submits approved mortgage loan files to closing for settlement. Responsible for providing strong and clear communication to processors, underwriters, mortgage professionals and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time. May provide training and assistance to Loan Processor I employees. Responsible for handling non-public information (NPI) about borrowers. Expected to adhere to all applicable internal NPI policies and procedures, and protect the confidentiality of borrower information.
08/12-01/13 – Affiliated Financial
Responsible for processing loans from set-up to closing by verifying, compiling and entering borrower
information in to loan processing systems. Review loan application files to verify that all data is complete and meets standards, including the loan type and purpose, borrower assets, liabilities, and employment. . Verify and analyze loan documentation including income, credit, appraisal, and title, while maintaining strict compliance with all applicable federal and state regulations.
08/09 – 08/12 – Pulte Mortgage
Loan processing of all types of residential mortgage programs and applications to verify supporting income, asset, credit information, and appraisal compliance to meet company and investor guidelines. Analyze reports for validity of content. Assist nationwide company branch and sales offices to meet customer satisfaction and timeframe expectations
01/06-09/08 – Countrywide Home Loans
Assist team manager with the training of new loan processors, reviewing reports and scheduling of meetings and events. Loan processing of all types of residential mortgage programs and applications to verify supporting income, asset, credit information, and appraisal compliance to meet company and investor guidelines. Analyze reports for validity of content. Assist team manager and nationwide company call centers to meet customer satisfaction and timeframe expectations. Assisted team manager with training of new loan processors and closers.
07/05-12/05 – Automated Lending, Inc./Megastar Financial
Underwriting and training of new loan processors and underwriters of residential mortgage loan applications. Assisted corporate underwriting and management to pre-underwrite and weigh all risk factors of loan applications to meet guidelines for over 40 lenders and nationwide investors to meet guidelines. Assisted origination process and management of personal pipeline, training, and management of reports to insure maximum customer and management satisfaction in a timely manner.
VANESSA A MICHEL
25469 E HINSDALE PL
AURORA, CO 80016
*******.*.******@*****.***
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06/04-06/05 – Aurora Loan Services
Manage team of 10 processors, underwriters and closers. Trained new employees on determining applications satisfied credit risk factors as well as evaluation of appraisals for compliance and adherence to company and regulator policy inherent in each loan file. Trained new employees to manage personal pipelines and insure that all loans met with policy and procedure outlines.
12/02-06/04 – Washington Mutual
Provided leadership, guidance and support to new senior loan coordinators as team manager. Assisted underwriting and risk management on high risk and profile applications. Assisted loan origination to verify program guidelines and options for mortgage applicants. Identified and analyzed loan applications for validity of supporting income, asset and credit information. Analyzed reports and contracts for compliance with company and investor guidelines and any potential fraudulent information,
07/01-12/02 – GMAC Mortgage
Assisted with training of processing, underwriting, closing and shipping of residential loan applications. Worked with various loan officers and management to collect necessary documentation to satisfy company, state, and federal regulatory agencies. Obtained underwriting certification.
12/98-06/01 – CH Mortgage
Assisted loan officers and management with training of new processors, originators, and underwriters in processes of residential applications. Trained new employees of state and federal guidelines. Trained new employees on underwriting programs to check for compliance.
02/98-12/98 – Republic Mortgage Insurance Company
Assisted underwriting with insuring compliance of lending guidelines in the process of loan origination and processing. Worked directly with investors to insure compliance guidelines. Issued mortgage insurance certifications to qualified applicants
05/96-02/98 – Pulte Mortgage Corporation
Training of new processors and underwriters in the field of loan origination and processing for a new home builder. Assisted loan officers and many other outside sources to efficiently evaluate all data collected to insure company compliance as well as state and federal regulatory agencies. Presentation of loan application packages to underwriting for approval in a timely manner.
01/95-01/96 – The Future Now/Intelligent Electronics
Data entry of internal orders for nationwide sales representatives for computer reseller. Electronic data transfer with vendors of computer products. Negotiated price and verify availability with various vendors nationwide. Create purchase orders within company system. Verify ship date and tracking information for daily reports.
References available on request
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