Michelle Lee Longmire

Goodyear, AZ ad134k@r.postjobfree.com 980-***-****

OBJECTIVE

Results-oriented and detail-driven professional with a proven track record in mortgage underwriting, risk management, and compliance. Seeking a challenging role where I can leverage my project management expertise, analytical skills, and commitment to quality assurance to drive process improvements and ensure regulatory compliance. With a strong background in leading cross-functional teams, I aim to contribute to the success of the company by delivering strategic solutions and fostering a culture of innovation and excellence.

EXPERIENCE

13:46 ENSEMBLE 2022 – Present

Global Director

Successfully managed and executed creative projects, demonstrating expertise in project management.

Coordinated global tours, optimizing resources and budget allocations.

Conducted risk assessments and troubleshooting for national/global productions.

Oversaw financial aspects, including budget planning, cost control, and financial reporting.

Developed Annual Curriculum for Virtual training program, showcasing training and development skills.

Led/facilitated weekly virtual training programs for cross-functional teams, demonstrating leadership and coaching abilities.

WELLS FARGO 2019 – Current

Home Loan Solutions Underwriter IV/National Decisioning Services

Conducted detailed analysis of credit and operational risks, recommending and implementing risk mitigation measures.

Developed and delivered training programs on risk management best practices.

Collaborated with cross-functional teams in an Agile environment to implement continuous process improvements.

Made decisions in complex situations, facilitating decision-making and issue resolution.

Conducted in-depth research on suspicious loan activity, collaborating with cross-functional teams to address and prevent fraudulent practices.

Utilized Agile methodologies to streamline communication and collaboration between underwriting, sales, and processing teams.

Detected and addressed discrepancies in loan files, implementing corrective actions to mitigate risks.

Conducted regular risk assessments and quality checks on loan documentation to minimize errors and reduce operational risks.

Consumer Loan Underwriter III/Underwriting SME

Assessed, approved and underwrote moderate consumer loans, within company and industry guidelines.

Evaluated financial statements, credit reports, related ratios (debt ratios, loan-to-value) as well as any other supporting documentation. Also ensured these documents were accurate, complete and compliant.

Implemented fraud prevention strategies, resulting in a significant reduction in suspicious activity reports.

Provided coaching and feedback to reduce errors and enhance overall document accuracy.

Ensured compliance with federal and state regulations in mortgage underwriting processes, implementing controls and procedures to mitigate risks.

Participated in Agile projects focusing on process improvements, demonstrating a commitment to Agile principles.

EAGLE HOME MORTGAGE 2018

Purchase Underwriter

Conducted thorough reviews of loan applications to ensure adherence to compliance standards and regulatory requirements.

Detected and mitigated potential fraud risks in mortgage loan transactions, ensuring compliance with regulatory requirements.

Applied strong communication and interpersonal skills to collaborate effectively with cross-functional teams in fraud detection efforts.

ROCKET COMPANIES 2015 - 2018

Underwriter QL

Conducted financial analysis, risk assessments, and due diligence on new and existing loans.

Collected, validated, and analyzed data from various sources to identify key trends, patterns, and insights.

Completed training in fraud detection tools, enhancing proficiency in identifying red flags and irregularities.

Ensured compliance with federal and state regulations in all aspects of mortgage underwriting processes.

WELLS FARGO 2012 - 2015

Consumer Loan Underwriter II

Conducted thorough analysis of loan applications, verifying applicant information and ensuring compliance with underwriting standards.

Detected and addressed discrepancies in loan files, implementing corrective actions to mitigate risks.

Collaborated with cross-functional teams to review and assess potential fraud indicators, contributing to enhanced risk management practices.

Quality Assurance Analyst

Reviewed third-party requests for completeness, determined the need for additional information, and obtained supplemental or clarifying details.

Conducted quality assurance reviews, process audits, and risk identification for all Investor Services processes.

Documented all audit reports and findings for management, enhancing transparency.

Conducted audits and quality checks, ensuring loan documentation accuracy in accordance with compliance standards.

EDUCATION & CERTIFICATIONS

Ivy Tech State College

Completed Coursework

Lean Six Sigma Black Belt Professional

Management and Strategy Institute

SKILLS

Compliance Analytical Thinking Credit Risk Risk Management Agile Methodologies Coaching Underwriting Leadership Interpersonal Relationship Building Reporting Strong Attention Detail Data Analysis Negotiations Risk Assessment Training and Development Corrective Actions Team Collaboration Fair Lending Home Lending Data Management Financial Analysis Cash Flow Analysis Change Management Team Building Record Retention SQL Regulatory Compliance Leadership Risk Mitigation BSA AML FCRA REG B REG Z TILA RESPA SCRA HDMA

Systems: Microsoft Office Suite (Word, Excel, PowerPoint, Outlook) SharePoint Encompass 360 Black Knight Salesforce Lexis Nexis COSI Core

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