*** ******** *****

Madison, AL *****

757-***-****

adnjer@r.postjobfree.com

Michelle Baldwin

OBJECTIVE

Mortgage Operations Professional with 35+ years of management and leadership experience in all aspects of the Mortgage Industry seeking a challenging, full-time position which offers growth potential.

EXPERIENCE

October 2020 to Present – Hometown Lenders, Inc.

Post Closing Manager – Huntsville, AL

Manage 65 Employees in all aspects of 7 Departments within the Post Closing Department:

1. Intake Department – Manage department to insure that all documents are received by the Title Company in a timely manner;

2. Shipping Department – Manage department to insure that all files are shipped to investors correctly and in a timely manner;

3. Post Closing Department – Manage department to insure that all conditions on loans are cleared so the loan can be purchased by our investors. Assist with running AUS, preparing PCCD and another other documentation needed to clear files for investors;

4. Post Purchase Department – Manage department to insure that all post purchase conditions are uploaded to investors in a timely manner;

5. Government Insuring Department – Manage department to insure that all government loans (USDA, VA and FHA) are insured within allowable time;

6. Final Documents Department – Manage department to insure that the Final Title Policy and recorded DOT are received by the Title Company and sent to investors in a timely manner;

7. Goodbye Letters Department – Manage department to insure that the Goodbye Letters and insurance servicing transfers are sent to the borrower and insurance companies in a timely manner after the loan is purchased by our investor.

Wrote and enforce all Policies and Procedures for all Departments within Post Closing;

Coordinate with Collateral Department and Warehouse Banks to insure that all Notes are shipped to the investors and that the loans are purchased off of the line in a timely manner;

Hire and train all new employees within the Department;

Reconcile MERS and PMI Certifications after files are purchased.

Reconcile MERS after files are purchased;

Contact all investors and converse with Reps regarding any issues with the purchasing of loans and rectify all issues needed to clear loan for purchase;

Contact all Branch Managers and converse regarding loans and how to improve the process for loans to be closed with HTL.

Contact and converse with all departments (Underwriting, Closing and Processing) on a weekly basis with known conditions to train departments on repetitive conditions on files with investors and to update them on investor guidelines and overlays;

Prepare and update the daily Warehouse Line Report for all open files on the line to update Upper Management on all aspects of the file;

Meet with Upper Management on a daily basis to go over Warehouse Reports and any issues on files that need to be rectified;

November 2015 to Present – Tidewater Home Funding

AVP, Special Projects – Chesapeake, VA

Handle all aspects of LOS (Calyx Point) – Set up users, create and prepare reports, implement rules, maintain all integrations within the system;

Review and prepare cost analysis for new system and oversee and manage set up of entire system;

Wrote and enforced all Policies and Procedures for all Departments;

Oversee and maintain current CRM system (Pulse) and review new systems;

Negotiate all contracts with current and new vendors (IDS, Docusign, etc);

Oversee Post Closing/Shipping Department to insure that all files are shipped and funded by investors in a timely manner;

Post Closing/Shipping Manager – Chesapeake, VA

Wrote and enforced all Policies and Procedures within the Department;

Handle all audits required for FHA, VA, Freddie Mac for all closed loans;

Input all required data into Freddie Mac Selling System for investors;

Obtain all files after closing and QC each file to insure that documentation meets all rules and regulations needed prior to shipping the loan to the investors;

Obtain and clear all QC items needed for all post funding files;

Oversee shipping, clearing of conditions, Government Insuring and Post Closing Documents to insure that all loans are purchased by our investors;

Coordinate new investors with Secondary and set up new investors in the system;

Reconcile MERS and PMI Certifications after files are purchased;

Contact all investors and converse with Reps regarding any issues with the purchasing of loans and rectify all issues needed to clear loan for purchase;

Prepare Collateral, Shipping and Condition Reports for my team to insure that all files are purchased in a timely manner;

Coordinate with my team and our Warehouse Banks to insure that all Notes are shipped to the investors and that the loans are purchased off of the line in a timely manner;

Coordinate with the Post Closing Department and Title Company to insure that all Title Policies and recorded final documents are sent to the investor in a timely manner;

Prepare and update the daily Warehouse Line Report for all open files on the line to update Upper Management on all aspects of the file;

Meet with Upper Management on a monthly basis to go over Warehouse Reports and any issues on files that need to be rectified;

December 2014 to June 2015 Atlantic Bay Mortgage Group

PST Manager – Virginia Beach, VA

Manage a team of 15 employees in the Production Support Team;

Wrote and enforced all Policies and Procedures for each Department;

Reconcile MERS after files are purchased;

Reconcile PMI Certification to insure that they are activated

Manage New Loans team to insure that all new files are in the system and documentation uploaded to VirPack system;

Manage Government Department to insure that COE, LDP/GSA, CAIVRS are performed on all government files and to reconcile any issues with the same;

Obtain Case Numbers for all FHA files;

Manage the insuring of the FHA and VA files to obtain the MIC and LGC and to reconcile any issues to insure the loans;

Manage Appraisal Department - ordering all appraisals, requesting transfers of case numbers from current lenders, assignment of VA Case Numbers on all files and ordering appraisal through VA Portal, maintaining the appraiser rotation for all LO’s to insure that we are AIR Compliant.

June 2010 to December 2014 Tidewater Mortgage Services, Inc.

Post Closing/Shipping Manager, Virginia Beach, VA

Manage a team of 18 employees in the Post Closing/Shipping Department;

Obtain all files after closing and oversee shipping, clearing of conditions, Government Insuring and Post Closing Documents to insure that all loans are purchased by our investors;

Coordinate new investors with Secondary and set up new investors in the system;

Contact all investors and converse with Reps regarding any issues with the purchasing of loans and rectify all issues needed to clear loan for purchase;

Obtain and clear all QC items needed for all files;

Reconcile MERS after files are purchased;

Reconcile PMI Certification to insure that they are activated

Prepare Collateral, Shipping and Condition Reports for my team to insure that all files are purchased in a timely manner;

Coordinate with Collateral Department and Warehouse Banks to insure that all Notes are shipped to the investors and that the loans are purchased off of the line in a timely manner;

Coordinate with the Post Closing Department and Title Company to insure that all Title Policies and recorded final documents are sent to the investor in a timely manner;

Meet with Upper Management on a monthly basis to go over Warehouse Reports and any issues on files that need to be rectified;

Processed loans to insure that they were ready for closing.

January 2009 to June 2010 Landmark Title Services, LLC

President, Collingswood, NJ

Opened new title office by negotiating with underwriters, Title Express, Charles Jones and abstractors in all counties.

Prepared and Implemented Marketing and Sales strategies.

Handle files from origination to close to ensure requirements are met for settlement.

Serve as liaison between lenders, borrowers, attorneys and real estate agents.

Prepare the HUD statement and review the file for closing.

Perform the settlement and Disburse the files after settlement.

Review files after settlement and issue title policies.

April 2006 to December 2008 Federal Title Inc.

Vice President, Thorofare, NJ

Assisted in opening new title office by negotiating with underwriters, Title Express, Charles Jones and abstractors in all counties.

Handle files from origination to close to ensure requirements are met for settlement.

Serve as liaison between lenders, borrowers, attorneys and real estate agents.

Prepare the HUD statement and review the file for closing.

Perform the settlement and Disburse the files after settlement.

Review files after settlement and Issue title policies.

March 2005 to April 2006 Accelarated Title

Vice President, Cherry Hill, NJ

Opened new title office by negotiating with underwriters, Title Express, Charles Jones and abstractors in all counties.

Handle files from origination to close to ensure requirements are met for settlement.

Serve as liaison between lenders, borrowers, attorneys and real estate agents.

Prepare the HUD statement and review the file for closing.

Perform the settlement and Disburse the files after settlement.

Review files after settlement and Issue title policies.

December 2004 to March 2005 First Presidential Title Agency, LLC

Operations Manager, Cherry Hill, NJ

Assisted in opening new title office by negotiating with underwriters, Title Express, Charles Jones and abstractors in all counties.

Handle files from origination to close to ensure requirements are met for settlement.

Serve as liaison between lenders, borrowers, attorneys and real estate agents.

Prepare the HUD statement and review the file for closing.

Perform the settlement and Disburse the files after settlement.

Review files after settlement and Issue title policies.

April 2004 to December 2004

Freelance Settlement Agent Wenonah, NJ

Review all files to ensure requirements are met for settlement.

Prepare HUD statements for closing.

Disburse files after settlement.

June 2003 to April 2004 Olde City Title, LLC Cherry Hill, NJ

Full Time Title Clerk/Settlement Agent

Handle files from origination to close to ensure requirements are met for settlement.

Serve as liaison between lenders, borrowers, attorneys and real estate agents.

Attend Settlements and disburse files.

Provide administrative support and handle various office tasks.

1998–2003 National Title Agency Cherry Hill, NJ

Part Time Title Clerk/Settlement Agent

Handle files from origination to close to ensure requirements are met for settlement.

Serve as liaison between lenders, borrowers, attorneys and real estate agents.

Provide administrative support and handle various office tasks.

1995–1998 Eisenberg, Gold, & Cettei, P.C. Haddonfield, NJ

Paralegal

Drafted Complaints, Final Judgments, Sheriff’s Sales and Evictions.

Served as liaison between client, opposing counsel, Title Company and Sheriff’s Office.

Provided administrative support and handled various office tasks.

1993-1995 Farr, Burke, Gambacorta & Wright, P.C. Bellmawr, NJ

Paralegal (1994-1995)

Drafted Complaints, Final Judgments, Sheriff’s Sales and Evictions.

Served as liaison between client, opposing counsel, Title Company and Sheriff’s Office.

Prepared Deeds, Affidavits of Title and Corporate Resolutions.

Prepared invoices, reinstatement and payoff quotes for files.

Legal Secretary (1993-1994)

Completed education to obtain Paralegal-Legal Assistant Certificate.

Provided administrative support to attorneys and handled various office tasks.

EDUCATION

2021 – Dale Carnegie Leadership Program – Huntsville, AL

Certificate of Leadership

2007 Thomas Prometric Deptford, NJ

Producers License – Pennsylvania Title Insurance

2003 South Jersey School of Business Berlin, NJ

Producer’s License – New Jersey Title Insurance

1994 National Academy for Paralegal Studies Glassboro, NJ

Paralegal – Legal Assistant Certificate

1992 Gloucester County College Sewell, NJ

Associates in Science-Legal Office Systems Technology

COMPUTER/ OTHER SKILLS

Encompass, Byte, VirPack, Calyx Point, Encompass 360, Title Express, Microsoft Office Products, Internet Capabilities, Detail Oriented, Organized, Communicate Effectively, Professional

REFERENCES

Available upon Request

Contact this candidate