Project Manager Business Development

Brenda J. Carmicheal

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

Professional with an expansive background in loans, banking, leadership, business development, and federal administration through underwriting, processing, and management. An effective people and project manager with background to direct, train, and motivate staff to its fullest potential. Excels within highly competitive environments. Proficient interacting with colleagues at all levels to ensure organizational goals are achieved. Possesses exceptional interpersonal, analytical, and organizational skills.

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

Senior Commercial Closing Administrator

Submit Auto Dealer Loan through channels of clearance to fund.

Fund loan through Federal FIS tracking system

Worked with Quality Control to ensure that all information was correct.

Ability to adapt to changing policies and procedures prepared non-technical correspondence to transmit information

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

Senior Loan Processor

Managed a pipeline of 30 or more loans variations including purchase, refinance, international loans, and Heloc.

Chosen to work directly with Foreign Executives transferring to the United States on their borrowing needs.

Create daily pipelines for Processing and Pre-Closing to track and monitor loans to maintain established service levels

Authorized to handle New York State loans which were considered most complex.

Reviewed and understood work practices and policies to ensure ongoing audit and risk standards were met, with credit risk.

Managed team of processors, and closers.

ConnectSearch, Chicago, IL

Loan Escrow Representative (Contractor) 10/2019 – 07/2020

Worked with the tax collector of Cook County to insure property taxes to Multiunit and Residential dwellings were paid on-time.

Cross trained Loss Mitigation and mortgage associates throughout company on how to handle Midwest region’s county taxes.

Assisted bank associates concerning escrows, speaking frequently to customers and internal partners on the importance of escrow accounts and how to set them up.

Quality Assurance Specialist (Contractor) 12/2018 – 09/2019

Worked closely with the audit team to verify corrections were made properly.

Ensured loan officers had correct pricing for the loans.

Created Customer Information Services (CIS) records to verify accuracy.

Completed a variety of contract administration functions such as researching and resolving delivery and acceptance disputes, processing claims against the Government and assisting in the preparation of release.

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

Loan Processor III

Managed pipeline of Conventional, Renovation, USDA, FHA, and VA mortgage loans to make sure loans proceeded smoothly through to closing.

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

Trained colleagues on navigation of FHA Connection (all FHA loans must pass through this process to be verified).

Completed renovation loans with HELOCS, worked with contractors to insure approval of contractor bid, completeness of bid and final payments.

Performed credit risk assessment.

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

Loan Processor II

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

Submitted through all systems which loans and financing must be approved including DU, LP, Gus, and IHDA loans, with multifamily clientele.

Reviewed loans for compliance with RESPA, TIL, HMDA, REG B and TRID to ensure bank offers loans to all qualified borrowers.

Monitored the FHA Watchlist to ensure that borrowers were not on the list to protect the bank.

Served as department resource for information on IHDA and FHA multifamily housing.

BMO Harris, Warrenville, IL 03/2015 – 05/2016

Affordable Housing Lending Specialist

Chosen to serve on special team that managed processing /underwriting for Affordable Lending mortgage program and current programs that specialize in low to moderate income clients through FHA and Conventional and Portfolio loans.

Ensured clients had thorough understanding of applicable mortgage products through FHA and Freddie guidelines.

Maintained key programs for low-income borrowers such as National Home Lending Program (NHLP), WHEDA (for Wisconsin lenders), and LMCT with CRA guidelines.

Adhered to credit decisions for all files that were submitted to underwriting for sound decision making.

Education

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

Computer Systems: Loan Origination Software, LP and DU Systems, FIS, FHA Connection, VA Portal, and USDA-GUS. IHDA Portal, Netoxgen.

Contact this candidate