Michelle Krick

Reading PA *****

610-***-****

Career Objective:

Maintaining a career in the Mortgage area, I really enjoy processing

mortgage loans and making people happy.

Work Experience:

Mortgage Loan Processor

Lakeview Loan Servicing - Horsham, PA

March 2019 to July 2022

Duties: Receive a loan from our bot-opening team and reviewed the file thoroughly and prepared it for Underwriting, ran fraud alert, and ran DU/LP, send out a welcome letter, submit the loan to UW. Once approved I send the approval to the borrower, loan officer and their assistant with my approval email. The email requested all that is needed from the borrower. Then once the borrower submitted all conditions in. I would send back to Underwriting for the clear to close. Once clear then we do a verbal VOE and run the fraud alert. I review all appraisal and title information. Made sure all invoices and payoffs were in the buckets they belong in encompass, which was appraisal, credit and we put the closing disclosure, condo review and condo request fee invoices in that bucket. Then push to closing. We sent a pipe review to our boss once a week and I processed 60-150 loans per month I worked with Conventional, FHA/VA, USDA, PHFA loans. I would order Fraud alerts, social verifications, tax transcripts, credit supplements, appraisal corrections, final inspections and ordering new credit. I ordered written voes verbal voes. Reviewed income, assets. Appraisal info, tittle info trust info divorce n child support info.

Waterstone Mortgage Corporation-Conshohocken PA- 03/2017-10/2018

Job Title: Mortgage Processor III

Duties: Receive a loan from our opener and reviewed the file thoroughly and prepared it for Underwriting, ran fraud alert, and ran DU/LP, send out a welcome letter, submit the loan to UW. Once approved I send the approval to the borrower, loan officer and their assistant with my approval email. The email requested all that is needed from the borrower. Then once the borrower submitted all conditions in. I would send back to Underwriting for the clear to close. Once clear then we do a verbal VOE and run the fraud alert. We put all the to be signed at closing docs in the bucket. Made sure all invoices were in the closing invoice bucket, which was appraisal, credit and we put the closing disclosure, condo review and condo request fee invoices in that bucket. Then push to closing. We sent a pipeline update to our Loan officers every Monday.

I worked with Conventional, FHA/VA, USDA, PHFA loans. Investors were Chase, Wells Fargo, American Residential, Freedom Mortgage, Angel Oaks

I would order Fraud alerts, social verifications, tax transcripts, credit supplements, appraisal corrections, final inspections and ordering new credit. Handled a loan volume of 20-40 loans per month

Home Bridge Financial Services -Wayne PA-01/2017-02/2017

Job Title: Mortgage Loan Processor II

Duties: I would receive a loan review it and prepare it for Underwriting, ran fraud alert, and ran DU/LP, send out a welcome letter, submit the loan to UW and once approved I send the approval to the loan officer. Then once they send to the borrower, I would send a follow up email and obtain all conditions push to UW for CTC and once clear push to closing. Order appraisals, finals, title work, do

verification, submit to brokers if needed.

Prepared closing disclosures for closing. Prepared closing disclosures for closing. Order Fraud alerts, social verifications, tax transcripts, credit supplements and ordering credit.

Handled a loan volume of 20-40 loans. Worked with second loans with Meridian and US Alliance. Worked with FHA/VA loans, conventional loans, new constructions loans, PHFA loans, USDA loans.

Prospect Home Mortgage Company-Wayne PA= 12/2015-01/2017, then we merged with Home Bridge Financial Services

Job Title: Mortgage Processor II

Duties: I would receive a loan review it and prepare it for Underwriting, ran fraud alert, and ran DU/LP, send out a welcome letter, submit the loan to UW and once approved I send the approval to the loan officer. Then once they send to the borrower, I would send a follow up email and obtain all conditions push to UW for CTC and once clear push to closing. Order appraisals, finals, title work, do

verification, submit to brokers if needed.

Prepared closing disclosures for closing. Prepared closing disclosures for closing. Order Fraud alerts, social verifications, tax transcripts, credit supplements and ordering credit.

Handled a loan volume of 20-40 loans. Worked with second loans with Meridian and US Alliance. Worked with FHA/VA loans, conventional loans, new constructions loans, PHFA loans, USDA loans.

Temp through Account Temps

I was a temp working for Trident Mortgage Company - Devon, PA – 05/2008 – 12/2008 then

went permanent in 01/2009 with Trident -11/2015

Job Title-Mortgage Loan Processor

Duties: Processing an application and submitting to Underwriting, sent out a welcome letter. Once approved

sent out an approval email and followed up with a phone call. Handled a pipeline from 40-100 loans per month. Ordered verification, submitted loans to brokers, submitted loans to NJ Bond, PHFA, USDA, Delaware Housing loans. Worked with 2nd loans with Meridian, and various other companies. Prepared and sent 203k loans. New constructions loans,

FHA/VA, conventional loans. Ordered flood certs, verifications, appraisal, final inspections, social verifications, credit supplements, credit, ran DU/LP. Once approved I collected all conditions until the loan was clear to close and then pushed the loan to closing. Redisclosed truth in lendings and reviewed and prepared HUD-I's. Once Trid came along started and trained in Loan Estimates and Closing Disclosures. Sent goodbye letters once the file was complete. Trained people on most of the systems we used, UNIFI, the new system we got at Trident.

Education:

Pace Institute

1990-05

Wilson High School

1988

Skills:

DU/LP, FHA, FHA/VA, loans., Mortgage

ADDITIONAL INFORMATION

Skills

Telephone Skills

Computer Skills

Encompass skills

Typing skills

Excel skills

Email skills with Outlook, google, google chrome

FHA/VA skills

PHFA, NJ Bond, Delaware Housing, USDA skills

Brokering loan skills

Good customer service

Can process a loan from beginning to end

Verification skills

Able to read and understand title work, appraisals

Able to read mortgage docs

FNMA/Freddie Mac loan sales

Sold broker loans to different companies, first and second loans

DU/LP experience

Calculator skills

Good people skills

Good Organizational skills

Balance reduction skills

ARM Conversions

Pulled rates daily, and obtained the Tbill rate to do the ARM rates

Preparing closing disclosures

Report skills

TRID skills and training

Disclosing loans, prepare packages, taking and completing applications skills

Compliance skills

Communications

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