M ICHELLE “M I M I ” D AVIS,

CMU, CCUP AND CSM

Houston, TX 713-***-**** ad256p@r.postjobfree.com linkedin.com/in/michelle-mimi-rodriguez-davis-cmu-64136024 Quali ications Pro ile

Experienced mortgage professional Processing and Underwriting who collaborates with customers, loan of icers, and partners to deliver world-class service. Industry expert whose knowledge spans multiple loan types, from conventional, jumbo, USDA, FHA, and VA loans to one-time close, new construction (14 yrs experience), also renovation programs. Versatile problem-solver who con idently navigates complex requirements and changing regulations to ensure compliance. Talented Key support staff member & multi-tasker recognized for surpassing quality objectives. Areas of Expertise

● Senior Mortgage Loan Processing

● Customer Relationship Management

● Credit Reports and Income Analysis

● Underwriting Compliance Standards

● Loan Application Pipeline Management

● Self-Employed Income Calculations

● Time and Priority Management

● Jr. Underwriter experience

● Lending Programs & Policies

● Data Veri ication Accuracy

● Remote work history 2+ yrs

● Multi-State Loan Processing

Technical: Encompass (8+ Years), Calyx Point (10+), LoanBeam, Optimal Blue, AUS -(DU/LP/GUS), MS Office 365, Scrum/Agile Professional Experience

Homebridge Financial Services, Inc. Mar 2022 – May 2022 Senior Mortgage Loan Processor (Remote)

Closed average of 7 to 20 monthly builder division new construction home loans. Ensured iles were completed at each stage based on guidelines and upheld consistent service levels. Coordinated with other departments to transfer iles from submission through funding. Resolved loan ile issues within the team and partnered with settlement agents in scheduling closing dates and preparing closing document orders. Followed-up consistently to obtain missing items from borrowers and third parties. **Laid off due to workforce deduction. Key Achievements:

Maximized data integrity by reviewing iles for compliance with underwriting quali ications to meet deadlines.

Strived to uphold customer service rating of 85% or higher and met all productivity performance matrix expectations. Member Home Loan, LLC Credit Union Houston, TX Sept 2021 – Jan 2022 Senior Mortgage Loan Processor (Remote)

Processed all real estate loan applications and portfolio loans originated by of icers, maintaining alignment with internal credit union policies. Demonstrated service-oriented mindset and commitment to on-time closing of mortgage loan iles. Reviewed conventional purchase money, re inance, cash-out re inance, home equity, and home improvement applications. Communicated effectively with members to optimize exchange of information. Veri ied total accuracy and integrity of data entered into the system.

**Laid off due to workforce reduction. Key Achievements:

Participated in efforts to improve Mortgage Department work low and streamline procedural ef iciency.

Closed 10 to 20 loans every month for credit union customers, CU Alliance, LLC, and Member Home Loans. Interlinc Mortgage Houston, TX Jan 2021 – May 2021 Senior Mortgage Loan Processor (Remote)

Processed loans for customers across Texas, North Carolina, South Carolina, Alabama, Tennessee, and Oklahoma. Regularly closed rush loans in less than 30 days. Managed 75% purchase loans and 25% re inance business, including conventional, jumbo, FHA, and VA loan types. Communicated with customers throughout process to address requests and convey loan status. A New Manager changed all aspects of the Teams and the work low including work assignments. Went to Upper Manager & HR but could not be resolved. Key Achievements:

Expertly handled and processed average of 25+ loans each month using Encompass L.O.S.

Championed support of business growth by submitting loans within 48 hours of assignment. Guaranteed Rate Houston, TX Mar 2020 – Jan 2021

Senior Mortgage Loan Processor/Mortgage Consultant (Remote) Worked with 5 loan of icers and assistants to handle 30+ mortgage loans monthly (75% purchase loans, 25% re inance) for Texas, Illinois, and California. Thrived in fast-paced environment with demanding deadlines and skill requirements. Applied specialized M ICHELLE “M I M I ” D AVIS

experience to assist customers, including irst-time home buyers and re inancers, as well as real estate investors. Key Achievements:

Earned bonus by surpassing goal of 25+ loans per month with average 25 to 33+ closed per month.

Commended for demonstrating superb accuracy, consistency, and commitment to quality.

Operated cutting-edge tech to manage pipelines and perform credit/underwriting analysis tasks.

Handled jumbo loans with and without renovation, working with investors to inalize the loans. eCU Mortgage/First Service Credit Union Katy, TX May 2019 – Sept 2019 Lead Senior Loan Processor

Recruited through colleague referral based on prior accomplishments to work with a team of 7 loan of icers. Guided a junior processor team of 3. Assisted department during period of rapid change that signi icantly impacted operational ef iciency and professionalism. **New Branch Manager caused turnover with some layoffs which resulted in department closure in 2019. Key Achievements:

Transformed struggling department over 3 months and processed a substantial volume of loans. Closed $5M in own pipeline. Guided experienced Jr. Processors. Worked with Encompass L.O.S.. 20% pipeline of Non-QM mortgage loans. Caliber Home Loans Houston, TX Aug 2018 – Nov 2018 Senior Loan Processor

Controlled pipeline of more than 25 loans every month and provided valuable support to loan of icers. Worked lawlessly with Closing Department to submit loan CDs within expected timeline. Helped fast-track loans through alignment with underwriters. Provided direction and training to loan of icers, managing from 5 to 8 at a given time. **Company had a large layoff on 11/8/18. Key Achievements:

Ampli ied customer service ratings in coordination with borrowers, loan of icers, and partners.

Facilitated swift turnaround time for quick-close and rush loans, averaging clear to close in 7 to 10 days. Hancock Whitney Bank Houston, TX Sept 2016 – Aug 2018 Senior Loan Processor & L.O. Assistant

Spearheaded a 2 role position centered on processing private banking programs/bank products, one-time closings, conventional, FHA, and VA loans for Texas and Louisiana. Collaborated with team of 1-5 loan of icers to provide high level guidance and support. Elevated customer experience through unmatched service from start to inish. Worked expertly with Encompass L.O.S. to process loans. Managed jumbo loans, with and w/o renovations, in conformance with strict guidelines. Key Achievements:

Governed pipeline of 15 to 25+ loans and processed between 3 to 5 new applications daily. My team had to maintain

$2M a month to keep my job as both Processor and L.O. Assistant.

Maintained checks and balances during loan review and worked with underwriters to close loans.

Secured repeat business and new customer referrals for the team based on high level of satisfaction. Cornerstone Home Lending Houston, TX Oct 2015 – Aug 2016 Senior Loan Processor—Over low Processing Department Team Led processing of multiple loans daily, including reverse mortgage loans. Automated and safeguarded the integrity of loan information using Lending QB. Effectively processed loans for customers across the USA. Handled new construction loans and broker loan fundings. Secured employment with Hancock Whitney by a referral from a peer in the midst of layoffs in the dept. Key Achievements

Met rigorous deadlines and regulations through close partnership with underwriters and lenders.

Executed loan initiations, appraisals, and title data requests for diverse companies and Processed multi-state loans.

Home Builder experience:

CLM Mortgage, LLC – Chesmar Homes Oct 2014 – Sept 2015 Senior Loan Processor - Mortgage Builder

Priority Home Mortgage/First Continental Mortgage/David Weekley Homes & Gehan Dec 2012 – Jan 2014 Senior Loan Processor - Company had layoffs. Was laid off 1/8/14. Benchmark Mortgage/WestStar Mortgage (Builder: Meritage Homes) **Same job Jun 2012 – Dec 2012 Network Funding/NFLP (Builder: Meritage Homes) **Same Job Apr 2008 – May 2012 Corporate Loan Processor & Senior Mortgage Loan Processor Followed per request by Builder (Meritage Homes) from NFLP to Benchmark, performing the same Sr. Processor role. Lennar Mortgage/Lennar Homes/Village Builders (UAMC) Jul 2002 - Nov 2007 S enior Loan Processor/Jr. Underwriter (Processing center shut down in Nov 2007, moved to Az. ) Wells Fargo Home Mortgage -Builder Team/Mortgage Processor 2001-2002 M ICHELLE “M I M I ” D AVIS

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Education

Certi ied Mortgage Underwriter, CMU, NAMU, Certi ied Commercial Underwriter and Processor, CCUP, NAMU Certi ied Scrum Master, CSM, Scrum Alliance, 20 Hour S.A.F.E. Training, NMLS #234782 Loan Of icer I, Champions School of Real Estate

Paralegal, Concorde Career Institute College Legal Secretary, Texas School of Business

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