MICHELLE FIORENTINO

Feasterville, PA *****

215-***-**** ad22vn@r.postjobfree.com www.linkedin.com/in/michellefiorentino MORTGAGE UNDERWRITER

Self-motivated, efficient, and organized Mortgage Underwriter with over 20 years’ experience in the mortgage industry, starting with customer service and support, followed by Origination, Processing and Mortgage Underwriting. Strong concentrated in underwriting and qualifying loans for sale to multiple lending outlets and Wall Street firms. Detail oriented, with in-depth knowledge of FNMA, FHLMC, correspondent, portfolio, jumbo, Non-QM and CRA regulatory guidelines. Experienced working within Loan Quality Center to support Customer Account Teams in coordinating all aspects of the firm's relationship with assigned lenders in areas of loan origination, underwriting, quality control, and loan delivery, ensuring loans meet guidelines and requirements. SKILLS & PROFICIENCIES

Financial Analysis Loan Product Knowledge Risk Assessment & Management Mathematical Skills Computer Proficiency Regulatory Compliance Underwriting Guidelines Communication Skills Critical Thinking Time Management Problem-Solving Analytical Thinking Quality Assurance Project Management PROFESSIONAL EXPERIENCE

FIRSTRUST BANK, Horsham, PA 05/2016 – 11/2023

Residential Mortgage Underwriter

Examined and assessed residential mortgage loan applications to determine eligibility for approval of the properties and the individuals seeking loans to purchase or refinance such properties.

• Analyzed borrower information such as income, assets, liabilities, and credit history to make decisions on loan approval or denial.

• Performed in-depth assessment of collateral value through review of appraisals and title reports.

• Researched relevant issues when making decisions on difficult loans and requesting additional documentation and / or information, as required.

• Leveraged knowledge of loan products to restructure turned-down loans for subsequent approvals.

• Evaluated potential exceptions based on extenuating circumstances using sound judgement skills.

• Managed daily workflow issues along with pipeline management.

• Built and maintained account executive & broker relations. FEDERAL NATIONAL MORTGAGE ASSOCIATION, Philadelphia, PA 05/2010 – 05/2016 Underwriting Standards Specialist

Performed comprehensive risk assessment and quality control reviews of residential mortgage loans to ensure compliance with the Fannie Mae Selling Guide and credit policy requirements.

• Reviewed loans for quality assurance, misrepresentation, and risk to ensure compliance with the firm’s requirements.

• Examined underwriting package to ensure that financing structure and underwriting quality were within acceptable risk parameters. Analyzed and reported on loan quality issues for repurchase purposes.

• Rated loan and underwriting risk transactions, then communicating results to staff and lender partners.

• Prepared reports to summarize loan reviews, ratings, and / or underwriting patterns and practices.

• Resolved complex repurchase or make whole requests.

• Investigated lender responses and rebuttals to resolve significant issues. PHH MORTGAGE (Accountemps) – Mt Laurel, NJ 04/2009 – 07/2009 Credit, Income, & Asset Mortgage Underwriter

Assessed the level of risk a borrower presented to the lender by reviewing their income, assets, and credit history documentation.

• Evaluated credit, income, and asset documentation on designated loans for compliance with PHH and investor guidelines. Added, modified, and cleared conditions, as applicable.

• Identified and worked through alternatives for loans that fell outside of guidelines. MICHELLE FIORENTINO 215-***-**** ad22vn@r.postjobfree.com Page 2 FORCE ONE MERCHANDISING, Feasterville, PA 09/2007 – 02/2009 Project Manager

Oversaw and executed various projects within the realm of merchandising within retail settings. Coordinated and managed the implementation of merchandising strategies, campaigns, or initiatives aimed at maximizing product visibility, sales, and customer engagement.

• Negotiated, structured, executed, and enforced project details.

• Built and maintained client and merchandiser relations.

• Assigned Merchandisers to available projects.

• Recruited, Interviewed and hired new merchandising staff through creation of .

• Distributed project materials and instructions to merchandisers.

• Reviewed project information and feedback from merchandisers.

• Delivered final project data back to client.

MORTGAGE CONCEPTS, Philadelphia, PA 02/2007 – 06/2007 Sub-Prime Mortgage Loan Processor & Preliminary Underwriter Handled the initial stages of processing loan applications and reviewed all loan documentation of individuals with lower credit scores or other financial circumstances that did not meet traditional lending criteria. Reviewed all file documentation for acceptability prior to submission to sub-prime lenders. COUNTRYWIDE FINANCIAL CORPORATION, Trevose, PA 12/2002 – 12/2006 Senior Conventional Mortgage Underwriter

Evaluated and assessed mortgage loan applications that adhered to standard lending criteria and followed standard guidelines set by government-sponsored enterprises (GSEs) like Fannie Mae or Freddie Mac.

• Reviewed and analyzed mortgage loan applications, verifying financial documents, employment history, credit reports, and property details to assess borrower eligibility.

• Evaluated risks associated with each loan application, considering factors such as credit score, debt-to- income ratio, and property valuation.

• Ensured that loan applications complied with standardized underwriting guidelines established by GSEs and other conventional lending standards.

• Made informed decisions regarding the approval, denial, or conditional approval of mortgage loan applications based on established criteria.

• Collaborated with loan officers, borrowers, and other stakeholders to gather necessary information and provide clarification on underwriting decisions.

• Maintained accurate records of underwriting decisions and ensuring completeness of documentation. MORTGAGE MANAGEMENT CORPORATION, Trevose, PA 11/1998 – 11/2002 Customer Service Supervisor

Led and managed a team of customer service representatives (CSR), ensuring exceptional customer experiences, and maintaining high-quality service standards within an organization.

• Provided coaching, training, and support to ensure CSRs delivered excellent service.

• Monitored and evaluated customer interactions, ensuring adherence to service protocols, and maintaining high service quality standards.

• Assisted team members in handling complex customer issues or escalations, providing guidance in resolving conflicts or complaints effectively.

• Handled customers concerns, gathered feedback, and ensured a positive customer experience.

• Interviewed job applicants according to organizational requirements and standard operating procedure. EDUCATION PROFESSIONAL DEVELOPMENT

Diploma, Bensalem Township High School, Bensalem, PA Completed Coursework in FHA, VA & USDA Underwriting, Capstone Institute, Atlanta, GA

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