Sr Mortgage Loan Processor

MICHELLE “MIMI” DAVIS,

CMU, CCUPANDCSM

Houston, TX (713) ***-********.********@*****.***

linkedin.com/in/michelle-mimi-rodriguez-davis-cmu-64136024 QualificationsProfile

Experienced mortgageprofessionalProcessingandUnderwritingwhocollaborateswithcustomers,loanofficers,andpartnersto deliver world-classservice.Industryexpertwhoseknowledgespansmultipleloantypes,fromconventional,jumbo,USDA,FHA, and VA loans to one-time close,new construction(14yrsexperience),alsorenovationprograms.Versatileproblem-solverwho confidentlynavigatescomplexrequirementsandchangingregulationstoensurecompliance.TalentedKeysupportstaffmember& 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 Verification 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 Office365, Scrum/Agile. SRG and Jack Henry proficient.

Professional Experience

Veritex Community Bank Nov 2022- Current

Loan Operations Specialist III ( Hybrid)

The LoanOperationsSpecialistmonitor/generateallwrittencommunicationtimelyandaccuratelyforallspecialloanportfolios consistingofBalloon,AdjustableRate(ARM),LoanModificationprocessandallmortgageloantypes.NonQM,ReverseMortgage, Construction loans etc.

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Thispositionwillberesponsibleforerrorresolutionsofspecialloanproductsandprocess\fundloansinSRGloansystem&make changes/updates to reduce ongoing inaccuracies as well as due diligence review.

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The Loan Operations Specialist will be the point person for initial internal department questions regarding the processing of specialloanfunctionsincludingEBOloansandprocessingpreparing,sendingwirerequestsandprocessingofConstructiondraws for Home Builders and Mortgage Companies.

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This position will support training of special loan functions including reports and MSP data processing.Handling end of day closing balancing of the Bank/Mortgage Warehouse dept.Reconcile all the DDA Mortgage Orignators accountsoftheMortgage Companies banking with the Bank.

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Performs systemmaintenanceandensuresproperdocumentationforcollateralalsoprocessingalladjustmentsmadeforcritical loan data including changes for loan modifications, due date changes and/or modifications. Homebridge Financial Services, Inc.Mar 2022 – May 2022 Senior Mortgage Loan Processor (Remote)

Closed average of 7 to 25 monthly builder division new construction home loans.Ensuredfileswerecompletedateachstage based on guidelines andupheldconsistentservicelevels.Coordinatedwithotherdepartmentstotransferfilesfromsubmission through funding.Resolvedloanfileissueswithintheteamandpartneredwithsettlementagentsinschedulingclosingdatesand preparingclosingdocumentorders.Followed-upconsistentlytoobtainmissingitemsfromborrowersandthirdparties.**Laidoff due to workforce deduction. Key Achievements:

Maximized data integrity by reviewing files for compliance with underwriting qualifications to meet deadlines.

Strived to uphold customer service rating of 85% or higher & met all productivity performance matrix expectations. MICHELLE“MIMI” DAVIS

Member Home Loan, LLC Credit Union Houston, TX Sept 2021 – Jan 2022 Senior Mortgage Loan Processor (Remote)

Processed all real estate loan applications and portfolioloansoriginatedbyofficers,maintainingalignmentwithinternalcredit union policies.Demonstrated service-oriented mindset and commitment to on-time closing of mortgage loan files.Reviewed conventional purchase money,refinance,cash-out refinance,home equity,and homeimprovementapplications.Communicated effectivelywithmemberstooptimizeexchangeofinformation.Verifiedtotalaccuracyandintegrityofdataenteredintothesystem.

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

Participated in efforts to improve Mortgage Department workflow and streamline procedural efficiency.

Closed 10 to 25 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)

ProcessedloansforcustomersacrossTexas,NorthCarolina,SouthCarolina,Alabama,Tennessee,andOklahoma.Regularlyclosed rushloansinlessthan30days.Managed75%purchaseloansand25%refinancebusiness,includingconventional,jumbo,FHA, andVAloantypes.Communicatedwithcustomersthroughoutprocesstoaddressrequestsandconveyloanstatus.ANewManager changed all aspects oftheTeamsandtheworkflowincludingworkassignments.WenttoUpperManager&HRbutcouldnotbe 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. GuaranteedRate Houston,TX Mar2020–Jan2021

Senior Mortgage Loan Processor/Mortgage Consultant (Remote) Worked with 5 loan officers and assistants to handle 30+ mortgage loans monthly (75% purchase loans, 25% refinance) for Texas, Illinois, and California. Thrived in fast-paced environment with demanding deadlines and skill requirements. Applied specialized experience to assist customers, including first-time home buyers and refinancers, 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 finalize 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 officers.Guided a junior processor team of 3.Assisted department during period of rapid change that significantly impacted operational efficiency 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 $5Minown 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 everymonthandprovidedvaluablesupporttoloanofficers.Workedflawlesslywith Closing Department to submit loan CDs within expectedtimeline.Helpedfast-trackloansthroughalignmentwithunderwriters. Provided direction and training to loan officers, managing from 5 to 8 at a given time. **Company had a large layoff on 11/8/18. Key Achievements:

Amplified customer service ratings in coordination with borrowers, loan officers, and partners.

Facilitated swift turnaround time for quick-close and rush loans, averaging clear to close in 7 to 10 days. MICHELLE“MIMI” DAVIS

Hancock Whitney Bank Houston, TX Sept 2016 – Aug 2018 Senior Loan Processor & L.O. Assistant

Spearheaded a2rolepositioncenteredonprocessingprivatebankingprograms/bankproducts,one-timeclosings,conventional, FHA, and VA loans for Texas and Louisiana. Collaborated with team of 1-5 loan officers to provide high level guidance and support. Elevatedcustomerexperiencethroughunmatchedservicefromstarttofinish.WorkedexpertlywithEncompassL.O.S.toprocess loans. Managed jumbo loans, with and w/o renovations, in conformance with strict guidelines. Key Achievements:

Governed pipeline of 15 to 25+loansandprocessedbetween3to5newapplicationsdaily.Myteamhad tomaintain

$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—Overflow 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 forcustomersacrosstheUSA.Handlednewconstructionloansand 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. Mortgage 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. Waslaid off 1/8/14. Benchmark Mortgage/WestStar Mortgage(Builder: MeritageHomes)**Same job Jun2012 – Dec 2012 Network Funding/NFLP(Builder: Meritage Homes)**SameJob 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 Senior Loan Processor/Jr. Underwriter(Processingcenter shut down in Nov 2007, moved to Az.) Wells Fargo Home Mortgage-Builder Team/Mortgage Processor 2001-2002 S

Education

Certified Mortgage Underwriter,CMU, NAMU,CertifiedCommercial Underwriter and Processor,CCUP, NAMU,Non-QM Underwriting, Jumbo Underwriting NAMU

Certified Scrum Master,CSM, Scrum Alliance,20 HourS.A.F.E. Training,NMLS #234782 Loan Officer I,Champions School of Real Estate

Paralegal,Concorde Career Institute College LegalSecretary,Texas School of Business

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