Project Manager Business Development

Brenda J. Carmicheal

*************@*****.*** 708-***-****) linkedin.com/in/brenda-carmicheal

Professional with expansive knowledge in banking, leadership, business development and administration through underwriting and processing. Effective people and project manager. I come equipped with the skills to direct, train, and motivate a staff to its fullest potential. I excel within competitive environments and bring proficiency interacting with colleagues at all levels to ensure every goal is achieved. This includes exceptional customer service interpersonal, analytical and organizational skills.

Experience

Senior Commercial Closing Administrator

ALLY, Downers Grove, IL 04/2023-04/2024

Submit Auto Dealer Loans through channels of clearance to fund.

Fund loans through the Federal tracking system.

Work with Quality Control to ensure that all information was correct, within all Insurance policies

Fluid adaptation to changing policies and procedures.

Senior Loan Processor

HSBC, Arlington Heights, IL 07/2020 -10/2022

Manage a pipeline of over 30 loan variations, including purchase, refinance, international and Heloc.

• Work directly with foreign executives transferring to the United States with their borrowing needs.

• Create daily pipelines for processing and pre-closing to track and monitor loans to maintain established service levels.

• Created process for the most complex New York State loans.

• Achieved work practices with policies for audit to ensure risk standards were met with credit risk.

Loan Escrow Representative

ConnectSearch, Chicago, IL 10/2019 – 07/2020

• Work with Cook County tax collectors to insure property taxes in multiunit and residential dwellings were paid on time.

• Cross-train loss mitigation and mortgage associates to handle the Midwest region county taxes.

• Assist bank associates concerning escrows, speaking frequently to customers and internal partners about the importance of escrow accounts and setup

Quality Assurance Specialist

ConnectSearch, Chicago, IL 12/2018 – 09/2019

• Work closely with audit team to verify corrections were made properly.

• Ensure loan officers had correct pricing for the loans.

• Create Customer Information Services (CIS) records to verify accuracy.

Loan Processor III

LoanDepot, Schaumburg, IL 09/2017 – 11/2018

• Manage pipeline of conventional, renovation, USDA, FHA and VA mortgage loans, ensuring they proceeded smoothly from start to closing.

• Submit loans through USDA (GUS), desktop underwriting, and Veterans' Portal.

• Train colleagues on navigating FHA Connection, which must pass through this process to be verified.

• Complete renovation loans with HELOCS; work with contractors to ensure approval of contractor bids and the completeness of bid and final payments, to perform credit risk assessment.

Loan Processor II

US Bank, Naperville, IL 05/2016 – 09/2017

• Pre-review files for underwriters to review for all BOND loans and government financing, first-time buyers secure their first loans.

• Submit through all systems which loans and financing must be approved, including DU, LP, GUS and IHDA loans with multifamily clientele.

• Review loans for compliance with RESPA, TIL, HMDA, REG B and TRID to ensure banks offer loans to qualified borrowers.

• Monitor FHA Watchlist to ensure borrowers were not on the list, protecting the bank.

• Serve as a department resource for information on IHDA and FHA multifamily housing.

Education

Bachelor of Arts (B.A.), National Louis University, Chicago, IL

Computer Systems

Loan Origination Software LP and DU Systems FIS FHA Connection VA Portal USDA-GUS

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