Michelle Coury

PROFILE

I have been in the mortgage industry for 12+ years. I have experience in JR UW, loan processing, quality control and appraisal review. I have also managed offshore teams and pipeline managing. I also have strong customer relation skills EXPERIENCE

APPRAISAL REVIEW/OFFSHORE MANAGER/JUNIOR UNDERWRITER, STEARNS LENDING/GUARANTEED RATE, PITTSBURGH, PA 2017- PRESENT Quality reviewer for appraisals, identify errors on appraisals to maintain accuracy and quality for the client and investor. Ensure appraisal requirements were met. Trainer for appraisal reviewers. Manage a team of 15 employees, and their pipelines, prioritizing loans that required rush reviews to meet deadlines. Review loan documentation with in 24 hours of submission, perform income calculations, analyze credit worthiness, evaluate debt ratios and loan to value. Communicate with third parties (title, employers, insurance companies) to obtain necessary information. Trainer for new junior underwriters.

JUNIOR UNDERWRITER, PLAZA HOME MORTGAGE, PITTSBURGH, PA 2015-2017 Knowledgable in Fannie Mae and Freddie Mac guidelines and documentation requirements. Experience with FHA, VA and USDA. Proficient in DU/DO, Early Check, LP and FHA connection. Reviewed and signed off on conventional loan conditions. Reviewed government insuring documents. Responsible for training new junior underwriters along with maintaining a pipeline of over 60 loans for different market areas.

QUALITY CONTROL COORDINATOR, JUNIOR UNDERWRITER, LOAN PROCESSOR, FIRST NATIONAL BANK, PITTSBURGH, PA 2012-2015 Evaluating underwriting documents for data integrity for loans underwritten via automated underwriting system. Perform pre-funding and post-funding verifications on selected loans. Audit closed loans in a timely fashion, verifying accuracy of investor suspense conditions. Negotiate and perform investor rebuttals on audit findings. Research and address red flags on loans. Track findings and results of audits to determine trends. Analyze income and credit, rework files based income/credit. Review conditions, add additional conditions as needed, along with obtain necessary documents from clients and third parties.

MORTGAGE LOAN PROCESSOR, PNC MORTGAGE, PITTSBURGH, PA 2010-2012 Provided superior customer service by communicating loan status to sales partners, settlement agents and realtors, along with working with customers to obtain conditions. Prioritized loans based on deadlines to ensure timeliness of closings. Processed Conventional, FHA and VA purchases and refinances.

SKILLS

SUPERIOR COMMUNICATION, ABILITY TO MULTITASK IN A FACE PACED ENVIRONMENT WHILE MAINTAINING QUALITY. TEACHING, AND BEING A POINT OF RESOURCE FOR TEAMMATES. TEAM PLA YER AND MOTIVATOR.

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187 OAKBROOK CIRCLE, PITTSBURGH PA, 15220

412-***-****