Member Production Closing Manager

MICHELLE CARDELL

***** **** ****** *, **** Palm Beach, FL 33411 · 561*654*6569

********.*******@*****.*** · linkedin.com/in/michelle-cardell-59a6b842 A Senior level management professional, with a strong record of accomplishment working for leading firms in the financial / service industry. Thirty-five years of progressive office management, human resources, sales, accounting, lending and finance experience. A creative problem-solver who can rapidly adapt to changing demands.

Experience

Senior Vice President/ Loan Operations Manager Anchor Bank Apr 2021- Present

• Oversees and directs the daily loan operations functions by determining workflow and delegating tasks necessary to ensure quality and timely processing.

• Build constructive and effective relationships with loan officers, loan operations staff, and Bank department managers to promote communication and to ensure quality service delivery throughout the Bank, its service providers and external customers.

• Reviews and analyzes the Loan Operations processes to provide periodic input to streamline and improve the service level for the benefit of the customer and the financial institution as its growth requires.

• Adheres to the Bank’s policies, legal and government rules and regulations by monitoring and maintaining policies and procedures in order to ensure compliance.

• Maintain and demonstrate proficiency with loan software applications (FIS-Banc Pac, LaserPro, DocMagic). Work with system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance.

• Analyze and prepare for periodic updates to system software, and verify that enhancements are working correctly, then train Loan Operations Specialists and Lending staff on changes as necessary.

• Assist with system parameters and user security access.

• Prepares various monthly/quarterly loan portfolio production and statistical reports that are provided to Senior Management and the Board of Directors.

• Creates and maintains workflow forms and checklists used by the Loan Specialists and lending staff.

• Department liaison during external audit, loan review and regulatory examinations and assists with written responses to respective reports.

• Maintain and/or develop written procedures as required to document responsibilities of the Loan Operations department.

• Assists staff with processing of loan participations remittance and reporting and construction and development loan disbursement applications and controls.

• Reviews loan escrow processing, payments, and annual review for residential and commercial loans.

• Reviews interest rate changes and accrual adjustments and shadow accounting on loans placed on non-accrual status.

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• Ensure loans are compliant with the regulatory requirements of Flood, HMDA, CIP, RESPA, TILA, TRID and force placement of insurance on loan collateral as necessary.

• Document preparation for collection efforts as directed, i.e. Right to Cure Notices.

• Responsible for research and response to credit bureau reporting disputes.

• Reviews and executes documentation for release of loan collateral.

• Ensures department adheres to record retention requirements.

• Performs other duties as assigned to contribute to the overall operation and profitability of the Bank, and acts as back-up for department staff as needed.

• Make recommendations for additional training available to develop and maintain knowledge of loan documentation and compliance regulations to improve performance.

• Coaches, develops, and inspires staff to maximize their potential.

• Exercises the usual authority of a manager concerning performance improvement plans and reviews, promotions, salary recommendations and terminations.

• Completes all mandatory compliance related training within required deadlines. Operations Manager / General Sales Manager ATH Publishing Feb 2019 – Apr 2021

• Responsible for day-to-day operations

• Account Payables, Receivables and Payroll

• Direct liaison between all departments and owner

• Coordinates 13 magazines with the press

• Manage 4-member production team, and 2-member office staff, while guiding 8 sales rep daily

• Review all sales leads, assignments and follow through all solidified deals

• Set all sales quotas and maintain monthly expectations and requirements

• Coordinate monthly sales meetings and training seminars

• Responsible for hiring new sales and staff members

• Maintains all employee records, write-ups, reviews, guidance and goals

• Created Company Manual and Policy Procedures

• Facilitated a new system for policies and procedures, while developing new HR manuals Compliance Manager / Post Closing Manager CTC Mortgage Company, LLC Apr 2017 - Feb 2019

• Developed policy and procedure manuals for each state per investor guidelines

• Closing / Pipeline Management

• Reviewed each closing package to ensure proper documentation

• Shipped each closing package to investor

• Reviewed all investor findings worked on clearance and purchase of each loan off the line of credit

• Prepare initial disclosures for borrowers’ execution, coordinated, prepared and maintained all COC’s

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