Manager Sales
Resume:
Valarie L. Mitchell
Farmington Hills, Michigan 48336
***************@*********.***
Resume
Objective:
Secure an upward and challenging position within a progressive environment as a remote due diligence underwriter where my competencies, unique talent, education and professional experience and diverse abilities will be utilized as an asset to the organization. Also, where leadership and team approach are incorporated into a strategy for profit and while performing diligently, increase value and maximize profit by enhancing operational proficiencies within the Mortgage Industry.
Performing diligent duties as a strong hard-working mortgage leader, I have become increasingly fluent and knowledgeable in the importance of:
Due Diligence Product Development
Risk Management
Strategic Planning Leadership Development/Training
Quality Control
Decision Making Correspondent Lending/Secondary Marketing
Regulatory X and Z
Appraisal Compliance
Customer Support
Loan Repurchases
Sales/Marketing Management
FNMA/FHLMC
Career Accomplishments
Developed and implemented a Standard Operation Procedures Manual for loan originating and processing operations; coordinated Forums for Urban Community Development Awareness, to introduce homeownership and its advantage to individuals with little to no knowledge of its profits or benefits and the start-up of new Lender/Broker companies, hiring, training staff from Loan Officers/Originators to the office support staff. Also, within the set-up, built over a 200 plus pipeline for the companies. I developed an original strategic plan to keep the course of business flowing on a consistent basis for profit for the organization’s continuous success.
Professional Experience
State of Michigan – Department of Health and Human Services, Detroit, MI 11/09 – Present
Assistant Payment Worker/Medical Contact Worker/Client Information Specialists/Hearing Coordinator
Develop plans and make referrals for recipients in housing, transportation, child day care, counseling and other barriers to employment.
Conduct home calls can respond timely and courteously to customer complaints for application assistance and or shut-in disabled.
Train new-hire on the functions of the position, organizational techniques and communication skills.
Compute budgets for assistance in areas on financial, medical, child day care and state emergency relief in excess of 800 caseloads monthly.
Encourage, develop plans, and guide families in their efforts to become self-sufficient.
Ensure that each family that applies for public assistance receives the type and level of assistance that they eligible for with respect and income.
Assess individual’s medical and hospital documentation collected to determine medical disability, Medicaid and state disability.
Generate daily staff reports in absence of Manager and serve as Manager in the absence of the Manager.
Sears Holding Corporation/Kmart – Human Resources Manager, Farmington Hills, MI 01/08 – 11/09
Conducted hiring forecast, hiring process, and orientation workshops.
Performed Behavioral Assessment and random drug test.
Trained new-hires on company standards for adherence.
Maintained retention of payroll.
Managed conflict resolution, providing disciplinary actions and exit strategies as needed.
Coordinated and completed employee annual performance appraisals with department management.
Demonstrated and guided staff through virtual training techniques.
Managed performance issues and ensured completion of compliance training.
Verified punch edit reports in observance of state, federal laws and company guidelines.
Processed weekly payroll and adhered to company policies as well as state and federal payroll laws.
Completed and reviewed workers’ compensation forms and reports.
Cultivated associate morale and a customer focused team.
Prepared Daily Operating Productivity report.
Approved and disseminated benefit billing and processed COBRA claims.
Self Employed Independent Mortgage Contractor – Mortgage Professional, United States 10/99 – Present
Served as Project Manager for risk management and fraud investigations.
Conducted classroom setting seminars and trainings.
Recruit, hire and train newly hired employees.
Prepare reports and conducted internal and external audits.
Conduct mortgage securitizations and quality control steps.
Implemented strategic plans for individuals and individual companies.
Maintain in-house auditing for internal and external Auditors and communicate any discrepancies to Government Auditing Officials and corporate office.
Performed audits for secondary market sales on Wall Street based financial organizations and Fortune 500 companies.
Consulting in all aspects within the mortgage industry, servicing Mortgage Lenders and/or Brokers across the country, implementing and maturing their companies.
Providing Quality Assurance and forensic re-underwriting.
Compile findings in summarized reports.
Approved JUMBO authority of $1.5 million on manual underwrite and approve second sign reviews.
Perform Due Diligence audits.
Training potential employees, Loan Officers, Processors, Closers and any other staff personnel on company software, Desktop Underwriter, Desktop Originator, and Loan Prospector as well as the individual company's software programs and procedures.
Quality Control-Risk Management; Repurchase Review Investigations and detections of misrepresentation of third parties.
Create unlike personalized Marketing Techniques and innovative solution.
Maintain in-house auditing for internal/external Auditors and communicate any discrepancies and findings with Government Auditing Officials and/or Corporate.
Perform duties as a Branch Operations Manager having been responsible for a sales force for over 23 individual Branches, preparing weekly, quarterly and annual reports and evidencing compliance reviews for income disbursements.
Examine Residential Mortgage Appraisals for value, stability and accuracy for approval on purchases, and refinances of conventional mortgage loans using Desktop Underwriter, Desktop Originator and/or Loan Prospector.
Assist departmental supervisors completing their daily operations by making deadlines discussing and explaining escrow analysis and any other necessities.
Maintain and manage product rate sheets and matrix; Remain aware of market changing trends and sales volume.
Collateral review of income calculations and credit analysis in determining Borrowers willingness and ability to repay.
Second review sign offs and Post Closing Audits.
Skills:
Microsoft office applications; state government—Freddie Mac and Fannie Mae operating systems; Human Resources software applications; Educational and Corporate Research; Team building exercise facilitator; transformational leadership, research and writing skills, business and personal income tax return proficiencies; HUMDA scrubs; 100% Manual underwrite, wholesale/retail underwriter and full-file data capture.
Education:
Master of Arts
Organizational Management specialization in Human Resource Management
Bachelor of Science
Business Administration
Former Michigan Real Estate Agent (10 years)
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