MICHELLE BERGER

Columbus Michigan 586-***-****

ad0zo9@r.postjobfree.com

Professional Mortgage Loan Processor with over 28 years’ experience in processing a pipeline of FHA, VA, Conventional, USDA and state specific Bond loans. Skilled at providing excellent customer service to borrowers, loan officers and third-party affiliates with focus on meeting closing dates while ensuring files meet specific loan guidelines and compliance. Expertise includes pre-underwriting of loans to ensure a complete application, reviewing and validating personal, employment, financial documents, and manual calculation of income for each applicant. Self-motivated and dependable with excellent teamwork, training of processors new to the industry, problem-solving and organizational skills. SKILLS

• Encompass experience of over 10 years

• Previously had FHA Chums, VA Sar

• Strong math and analytical skills, ability to

prioritize and meet deadlines.

• Ability to work sufficiently by myself but also in a team environment.

• Sending Trid required Loan Estimates and

Closing disclosures

• Knowledge with DU, LP, Microsoft outlook

and windows

• Data Entry

• Loan Application Preparation

• Verbal and written communication

EXPERIANCE

OCTOBER 2021- SEPTEMPBER 2023

WHOLESALE SENIOR LOAN PROCESSOR WEMLO/REMAX

• Work a pipeline of 10-20 FHA, VA, Conventional, USDA and State specific bond loans while closing average of 8-12 per month from loan application to final closing documents.

• Perform thorough review and analysis of borrower’s credit, income and assets as required by loan program prior to submitting to underwriting. Verify all required documentation in the file is complete and accurate and identify any potential issues.

• Initiate files with numerous lenders, upload loan application, upload fees provided by broker/ loan officer, initiate initial disclosures, order of title, appraisal, insurance policies.

• Work with borrowers on documents needed for final loan approval, resubmission and closing checklists initiate preliminary closing disclosures, work with title company and agents as to closing and assist with closing documents to include final closing disclosure.

• Pipeline reviews with Brokers, Loan officers and Team Lead to provide status as to loans 2

AUGUST 2020- SEPTEMBER 2021

MORTGAGE PROCESSOR AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE CO. LLC

• Worked on a pipeline of 30-40 mostly FHA, VA loans while closing average of 17-25 per month.

• Perform thorough review and analysis of borrower’s credit, income and assets as required by loan program prior to submitting to underwriting. Verify all required documentation in the file is complete and accurate and identify any potential issues.

• Complete required loan submission, resubmission and closing checklists- to also include sending prelim closing disclosure to borrowers.

• Communicate with all parties to obtain vendor information, including verification of employment flood certificate, title commitment and payoff information. Daily pipeline reviews with Loan officers, Team Lead to provide status as to loans. APRIL 2017- AUGUST 2020

SENIOR MORTGAGE PROCESSOR CROSSCOUNTRY MORTGAGE LLC

• Perform a thorough review and analysis of borrower’s credit, income and assets as required by loan program prior to submitting to underwriting.

• Verify all required documentation in the file is complete and accurate, identify any potential issues.

• Review loans for compliance with Respa, Tila, HMDA, Reg B, prepare disclosures and re disclosures as required by regulations.

• Complete required loan submission, resubmission and closing checklists t also include sending prelim closing disclosure to borrowers.

• Communicate with all parties to obtain vendor information including verification of employment, flood certificate, title commitment and payoff information.

• Weekly Pipeline reviews with Branch to provide status as to all loans.

• Achieved loan processing turn time of less than 30 days and averaged closings of 20-24 per month.

JULY 2015 TO SEPTEMBER 2016

SENIOR MORTGAGE PROCESSOR FLAGSTAR BANK

• Review loans for compliance with Respa, Tila, HMDA, Reg B, prepare disclosures and re disclosures as required by regulations.

• Complete required loan submission, resubmission and closing checklists t also include sending prelim closing disclosure to borrowers.

• Communicate with all parties to obtain vendor information including verification of employment, flood certificate, title commitment and payoff information.

• Work with borrowers to obtain all documents needed for final loan approval.

• Weekly Pipeline reviews with Branch to provide status as to all loans. 3

DECEMBER 2014 JUNE 2015

LOAN OFFICER ASSISTANT OVM – CHESAPEAKE VA

• Worked with one of the top producing loan officers and her team.

• Assisted with meeting borrowers to obtain documentation needed to complete a loan application and disclosing compliance documents to borrowers.

• Reviewed documentation for completion and compliance prior to submitting file to processing.

• Collaborated with borrowers to obtain documents needed for final approval.

• Coordinate purchase and refinance closings

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