Michelle Bailey Huddleston

**** ****** ****** ********, ** 90713 562-***-**** ad4xy4@r.postjobfree.com

Senior-Level Loan Processor and Junior Underwriter

Summary of Qualifications

Focused, results-driven Mortgage Loan Specialist with over 20 years of industry experience, with an emphasis on in-depth review of information, comprehensive underwriting and processing procedures, and superior service to internal and external contacts. Knowledgeable, self-motivated leader who creates positive outcomes for clients, colleagues, and the company as a whole. Strong communication skills to work with individuals of all professional levels and personal backgrounds. Excellent management skills to lead either individual or team activities. Proven record in achieving goals.

Areas of Expertise

Mortgage Loan Strategy and Plans · Data Collection and Analysis · Underwriting and Processing for All Types of Mortgage Loans

High Volume Internal and External Communications · Client Services · Portfolio Management · Prompt Issue Resolution

Current Standards and Regulations · Team Training and Leadership · Management of Department Operations · Administration

Highlighted Accomplishments

Consistently exceeded objectives, earned high marks on reviews, and received excellent feedback from clients.

Continually given increased responsibility due to outstanding performance.

Expertly supported the underwriting and processing of any type of mortgage loan, including FHA, VA, and Conventional.

Capably managed a range of loan activities, often happening concurrently, from inception to completion.

Effectively led teams of up to 5 members through detailed plans, in-depth training, and motivational management.

Created and implemented internal processes that dramatically improved department efficiency and output.

Asked to participate on key company projects, including the set up of 2 office branches.

Increased production and maintained high level of production for 2 years straight.

Led a branch that provided 60% of revenue for the entire company.

Maintained the highest level of accuracy, thoroughness, and confidentiality on all documents, records, and reports.

Credited as an enthusiastic, productive team player who proactively learns new skills to assist in more areas of work.

Won many awards and much recognition, including Employee of the Month for Prime Home Loans.

Gained experience that transfers well to any position involving loan underwriting and processing.

Experience

Senior Loan Processor and Junior Underwriter 1997 – 2002

MBH Contract Processing 7/22 to current

TNG Home Loans Modesto, CA 1/2022 – 6/2022

Doorway Home Loans Dba International City Mortgage Santa Ana, CA 8/2019 – 10/2021

Loan Direct Irvine, CA 4/2019 – 8/2019

Prime Mortgage Lending and Equity Services Cerritos, CA 9/2017 – 9/2018

Doorway Home Loans Dba International City Mortgage Cerritos, CA 7/2009 – 8/2017

Mark 1 Mortgage La Palma, CA 7/2008 – 5/2009

Bristol Home Loans Bellflower, CA 11/1997 – 10/2007

Led teams and activities involved in profitable mortgage operations, participating in the entire process from gathering and review of loan information to approval or denial, processing, and closing for a large pipeline of loans.

·Worked with internal and external contacts to gather financial information. Built rapport and developed solid working relationships while discussing needs and offering solutions. Served as a main point-of-contact for questions and issues.

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Michelle Bailey Huddleston

Page 2 of 2-562-***-**** ad4xy4@r.postjobfree.com

Senior-Level Loan Processor and Junior Underwriter

Current Experience, Continued

Senior Loan Processor and Junior Underwriter, Continued

·Supported underwriters in gathering, analysis, and interpretation of all types of credit information, including financial statements, cash flow statements, and credit reports. Reviewed collateral property. Investigated all available sources of credit and financial information, including reporting services, credit bureaus, and other financial agencies.

·Assisted in the creation of underwriting documents. Helped to prepare credit paperwork containing risk assessments as well as borrower history and financial analysis. Collaborated with underwriters to discuss recommendations on loan terms and appropriate risk ratings.

·Managed the loan processing cycle from application to final closing procedures. Prepared mortgage loan documents. Assisted with calculations, pre-closing reconciliation, deeds, release of liens, and mortgage assignments. Input data, prepared closing documents, and distributed closing packages.

·Trained, mentored, and managed junior processors as a senior member of the team.

·Took on additional duties, often assisting with office management, general department administration, special projects, and overflow work.

Education and Professional Training

College-level Studies Long Beach City College

Mortgage Banking Certificate American School of Mortgage Banking

Completed numerous on-the-job training sessions on topics involving effective loan processing and underwriting strategies, plans, and processes as well as professional business communications, client services, team leadership, department operations, new technology, and general administration.

Technology

Windows and Microsoft Office (Word, Excel)

Loan Processing systems (Encompass, Arive, Calyx Point, Lending Pad, Genesis)

Adobe PDF

Web-based tools and applications for online research, information sharing, and communication

Personal Endeavors

Creative and prolific artist who has painted for years and sold several works of art.

More Information on Michelle Bailey Huddleston

linkedin.com/in/michelle-bailey-huddleston-4816a12a/

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