MICHELLE SHORTER

***** ******* **** *****, *********, NC 28278, adronl@r.postjobfree.com, 704-***-****

SUMMARY

Senior Government Mortgage Loan Underwriter with 30 years in the mortgage industry. VA A/E, FHA, Conventional and Jumbo loan. Quality Assurance Analyst/Trainer/Mentor/Tester/Review regulator/compliance disclosures (Reg C,X.Z.B) Credit policy/Managing/underwriting/review regulator/compliance disclosures/validate data Manual underwriting for bank and investor requirements, review application, supporting credit, income and assets documents reviewed appraisal report, sale contract, and benefit to borrower / processing /closing/legal/secondary marketing/servicing/on the job trainer/ mentoring/auditing and investigation for fraud on conforming and non-conforming mortgage loans. I have reviewed, analyzed, approved and underwriting unusual or complex individual consumer mortgage requests and products within company and industry guidelines. Reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation. Providing excellent service to inside clients, brokers, outside clients and account executives.

EXPERIENCE

2020-2022

Senior Government mortgage underwriter, Freedom Mortgage Corp.

Underwrite mortgages with full documentation, conforming, VA AE, purchase, Rate Term and Cash out loans. Using DU, LP. FMC

2015- 2020

2014-2015

Mortgage loan Underwriter, NVR INC

Underwrite mortgages with full documentation, conforming, non-conforming, purchase new build home use DU, LP.

Sr. Mortgage Loan Underwriter, Accenture

Underwrite mortgages with full documentation, conforming, mentor team members on the system.

2007- 2014

Sr. Quality Assurance Analyst, Bank of America

In line audit, conforming, non-conforming, FHA, VA. Top producer. Mortgage loan underwriter, conforming, non-conforming, and Bond loans.

Received recognition from many sales partners on the work I have performed to keep the customer service outstanding, and received Production Risk Management awards

2004 - 2007

Sr. Mortgage Loan Underwriter, Wells Fargo Bank NA

Two-time winner of the “Service Excellence Award” in 2006, by providing excellence customer service; which raised customer satisfaction ratings from 79% to 100%

Excellent material rating, with no challenge inventory, all loans sold at first sale

Flash pull through percentage over 60% when entire site is average is 55%.

Only Underwriter in the site to have a 0% material and moderate audit findings site average was 10%.

1998-2004

Team Leader/On the job Trainer/Underwriter, Equifirst Corporation

Managed 8 Account Executives and 8 processors by training, setting goals and pipe line control helping them all become top producers that were invited to the President’s Club

Awarded the “President’s Award for Excellence” production and service in 2001

Worked on the design/testing team for the new software, credit policy, trained the entire company on how to use the software that saved the company thousands of dollars by reducing the processing time by half and doing mortgage payment calculations correctly.

One-on-one, on the job trainer for processors; who were new to the industry, they became top producers in processing and excellent Underwriters.

1998

Sr. Mortgage Loan Processor/Jr. Underwriter, Global Funding Inc

Top processor for the company

Closed and funded over 75 loans in one month with the company average being 10 per processor.

1997-1998

Office Manager, First Equity Funding, Ltd

Cut sales time on all loan by half which opened lines of credit giving the company the ability to close more loans and earning more money; accomplished this by training and supervising all departments of 30 people.

1996

Paralegal intern, Anthony J Julian (Attorney at Law)

Real estate closing, Deeds, taxes, releases, title notes, payoffs, divorce orders, Limited Liability Companies, Letters, answer the phone, taking messages, doing title searches and other paralegal duties.

EDUCATION

2005

1996

1992

MBA University of Hampshire

BS Criminal Justice, Fairmont State University

U.S. Army Modules for child development

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