Michelle A. Desroche

**** **** ******, ********, ** 39501

Phone: 228-***-**** E-Mail ad2kok@r.postjobfree.com Work Experience

August 2021 - April 2022 PennyMac Mortgage Credit Analyst Evaluate loan applications documenting the reasons for the approval or rejection of a loan application. Detailed review of Income, employment, assets, Property, and other documentation provided with loan application. Analyzing loan risk and requesting additional information as necessary. Complying with regulatory standards and the company's policies.

September -19 - August -21 Keesler Federal Credit Union Mortgage Loan Underwriter Responsibilities include evaluating credit report, calculating income, adding conditions for any necessary documentation, and ensuring documentation provided meets specific guidelines and specific product overlays. Underwriting and approving Conventional and Portfolio refinance and purchase loans including HELOCs and Land Loans. Detailed review of Income, employment, assets, Property, and other documentation provided with loan application..

February 2019 – Sept 2019 Envoy Mortgage Sr. Mortgage Loan Originator Responsibilities included interviewing members in order to determine what loan product best met their needs, completing loan applications, evaluating credit report, calculating income, running automated underwriter, issuing disclosures, gathering documentation, and submitting loans to be processed. Proficient in VA, FHA, RD, and Conventional loans. Very knowledgeable on the Guidelines for each product.

April 2015 – January 2019 Keesler Federal Credit Union Sr. Mortgage Loan Originator Responsibilities included interviewing members in order to determine what loan product best met their needs, completing loan applications, evaluating credit report, calculating income, running automated underwriter, issuing disclosures, gathering documentation, and submitting loans to be processed. Proficient in VA, FHA, RD, and Conventional loans. Very knowledgeable on the Guidelines for each product.

June 2013 – January 2014 The Home Lending Group Sr. Mortgage Loan Originator Responsibilities: Same as above – Branch Closed

January 2012 – June 2013 Gulf South Mortgage Sr. Mortgage Loan Processor Responsibilities included evaluating credit report, calculating income, updating information in Calyx, running desktop underwriter, ordering flood certification, obtaining proof of homeowner’s insurance ordering title work, reviewing title work for any outstanding liens/judgments, and reviewing HUD-1 settlement statement for accuracy prior to closing. Proficient in VA, FHA, RD, and Conventional loans. Very knowledgeable on the Guidelines for each product. January 2009 – January 2012 Hyneman Home Sales Sales Associate Responsibilities included all aspects of production of new home sales. Daily operations included marketing for new clients, as well as developing and maintaining realtor relationships. Assisted lenders with the home buyers to obtain grants and or special lending offers from numbers investors. Processed VA Home purchase Board Loans for buyers.

March 1995 – December 2008 Sunny Mortgage Group Production Manager Responsible for supervising Originators, Processors, closers and funders. Maintained loan production to meet monthly goals. Responsible for training for any new products as well as consistent training for ongoing changes to regulations and guidelines.

August 1989 – Febuary 1995 Merchants Bank and Trust Co. Administrative Assistant Responsibilities included processing of construction loans for local builders as well as local mortgage companies. Evaluating credit, income and documentation necessary for construction financing. Performed inspections for draws. Maintained customer portfolios, including delinquencies. NMLS # 1169417

References available upon request.