Construction Senior Post Closing

Michelle DeNicola

954-***-**** *************@*****.*** Boca Raton, FL 33428

EXPERIENCE

SENIOR FINANCE PROCESSING MANAGER, Boca Raton, FL

Choice Mortgage Bank, June 2017-Present

• Reviewing all new mortgage loans that came in and preparing for submission to lenders for approval

• Analyzing credit for qualification, repairing credit, fraudguards, taking off disputes

• Calculating income on w2's, paystubs, reviewing tax returns, calculating rental income

• Reviewing all bank statements and all other documents pertaining to the loan

• Submitting to lenders, working on approvals, clearing conditions Ordering and reviewing all title work, reading appraisals, homeowner's insurance and anything else pertaining to the loan

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• Working all final numbers for closing

Conducting meetings with processors and making sure all deadlines are met to the best of our ability and tacking any issues on files

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• Meeting with the closing department to ensure all loans for the month close on time

• Weekly managers meetings to improve and progress. SENIOR PROCESSOR/MANAGER, Paramus, NJ

Bond Street Mortgage, March 2014-April 2017

Conventional, FHA, VA, new construction Senior Finance, Reviewing loans once they are assigned to me to make sure income, assets, credit and anything else pertaining to the loan

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• Checking guidelines and making sure loan fits the program

• Running DU or LP

• Full submissions to our in house underwriters as well as sending loans out to other investors Reviewing loan approvals, ordering appraisals, title, insurance, condo questionnaires, and any and all other documents pertaining to the loan

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• Speaking with attorneys and agents to get all documents pertaining to loans

• Clearing all conditions and scheduling closings

• Post closing.

CONVENTIONAL, FHA/VA SENIOR PROCESSOR, Hackensack, NJ University Mortgage, September 2010-March 2014

• Opening new files, looking at the income, assets, tax returns and making sense of the loan

• Speaking with borrowers, title companies, attorneys, realtors and anyone involved with that particular transaction Registering files at vendor websites, running DU and LP, sending information to banks for approval, working on approvals and doing what needs to be done to get the loan clear to close in a timely manner

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Getting invoices that need to be collected for closing, make sure file is in order before I give to my closer, making sure everything goes as smooth as possible

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• Pre auditing closed loans and making sure they are compliant. CONVENTIONAL LOANS SENIOR PROCESSOR, Florida

Bank of America Sunrise, September 2009-September 2010

• Review new loan packages and prepare documentation for underwriting

• Order appraisal, title, hoi,

• FHA case numbers and caivrs, run clues findings

• Clear conditions and get loans clear to close and moved to closing dept

• Starting new files and pulling credit

• Ordering all proper documentation for the loan and contacting borrowers, realtors, attorneys and title companies

• Clearing conditions and scheduling closings

• Doing residential loan closings

SENIOR PROCESSOR, Boca Raton, Fl

Flagstar Bank, September 2007-September 2009

• Executed daily operations of processing

Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment

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• Scheduled closings, pulled closing packages and funded loans. SENIOR PROCESSOR, Sunrise, Florida

Fieldstone Mortgage Company, July 2005-April 2007

• Executed daily operations of processing department Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment

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• Trained and managed 2 people under me who successfully worked with me as a team. PROCESSOR, Hackensack, Nj

Priority Mortgage Group, November 2002-July 2005

Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment

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Called and wrote credit bureau and employer to verify accuracy of information Cleared stipulations for loan to close and handled all scheduling for closings.

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EDUCATION

COMPLETED COURSEWORK TOWARDS ASSOCIATES OF ARTS

University of Phoenix

LANGUAGES

Italian

Advanced

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