Chelsea Hohf
Royal Oak,MI
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Meticulous attention to detail and a drive to be an outstanding employee. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
14
14
years of professional experience
Work History
Underwriting Resolution Operations
Flagstar Bank, FSB
Troy, Michigan
09.2020 - Current
- Evaluated fully underwritten files for exceptions and updated information.
- Executed swift updates to critical closing and funding files.
- Demonstrated robust research abilities to meet loan review criteria.
- Exhibited meticulous attention to detail.
- Performed review of corrections related to minor name changes.
- Maintained compliance with relevant federal, state, and local laws.
- Collaborated with processing, closing, and funding teams to meet consumer timelines.
- Prioritized correspondence for loans in closing and funding stages to meet deadlines.
- Ensured adherence to internal compliance policies.
- Executed compliance testing within quarterly deadlines.
- Handled supplementary tasks and special projects as delegated by management.
Direct Lending Mortgage Processor
Flagstar Bank, FSB
Troy, Michigan
09.2019 - 09.2020
- Assembled and compiled documents for loan closings.
- Worked with third-party vendors to address and clear loan closing requirements.
- Filed completed packages quickly and efficiently.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Analyzed complex residential loan applications by ensuring compliance with company requirements for mortgage type.
- Submit required documents for underwriting approval by preparing mortgage loan application files.
- Examines and presents conditions to underwriting to secure loan clearance.
- Collaborated with loan officers to provide a seamless mortgage process.
- Regularly engaged with customers to acquire necessary clarifying documents.
- Communicated with third parties to ensure accuracy of information.
- Ensured and adhered to compliance with applicable federal, state, and local regulations.
- Completed assigned tasks and special projects from management.
Delegated Underwriting Auditor
Flagstar Bank, FSB
Troy, Michigan
01.2017 - 09.2019
- Conducted meticulous evaluations of mortgage loan files.
- Verify accuracy of loan data within system, AUS findings and loan documents.
- Evaluated multifaceted loan transactions for various loan types, including conventional, FHA, and VA.
- Requests clarification for data discrepancies and additional documentation when necessary.
- Supported correspondents by offering clear guidance.
- Conducted thorough tests on all closed loans for predatory lending.
- Ensured timely provision of disclosures in compliance with federal regulations.
- Maintained compliance with federal, state, local, and investor guidelines for borrower charges.
- Developed compliance training manual containing step-by-step procedures and visual aids for accurate testing.
Legal Assistant/Case Manager
Nyman Turkish
Southfield, Michigan
10.2016 - 01.2017
- Coordinated exhibits to present client evidence.
- Engaged directly with clients, Social Security offices, and other organizations.
- Requested, followed up on, and reviewed medical records.
- Managed incoming and outgoing correspondence.
- Evaluated case strengths and communicated findings to attorneys.
- Reviewed and compiled comprehensive client records.
- Handled incoming calls through a multi-line phone system.
- Strengthened connections with clients and served as the primary liaison between client and law firm.
- Organized and finalized client documents for legal proceedings.
- Executed supplementary tasks delegated by supervisor or attorney.
Litigation Legal Assistant
Credit Acceptance
Southfield, Michigan
01.2015 - 07.2016
- Supervised collection counsel in contentious legal cases.
- Oversaw settlement negotiations for collection matters.
- Created and finalized settlement agreements.
- Coordinated subpoena processing with attorneys, government agencies, and law enforcement agents upon request.
- Conducted research, investigations, and reviews to determine case progress.
- Reviewed and analyzed various documents to support thorough investigations.
- Conducted in-depth research and prepared responses for attorney demand letters.
- Analyzed and modified summary judgment and default judgment affidavits.
- Facilitated processing of litigation counsel invoices.
- Collaborated with accounts payable to manage invoices efficiently.
- Conducted investigations as per management's directive.
Litigation Legal Assistant
Flagstar Bank, FSB
Troy, Michigan
11.2013 - 01.2015
- Processed invoices efficiently for litigation team.
- Managed Kronos time clock system for team members in litigation department.
- Received mail related to legal and litigation matters for distribution.
- Managed and documented check requests with accounts payable.
- Coordinated supply procurement from Staples to ensure timely acquisition of resources.
- Handled intake and accurate documentation of legal complaints, subpoenas, and other official records.
- Coordinated meetings and managed calendar for department head.
- Performed various clerical duties as required by attorney and department head.
Underwriting Audit Assistant
Flagstar Bank, FSB
Troy, Michigan
04.2012 - 11.2013
- Supports efforts to mitigate bank losses from repurchase demands by government agencies.
- Reviewed all requests for required supporting documents.
- Identifies and evaluates inconsistencies in received data.
- Sought additional documentation or clarification when necessary, ensuring timely follow-up within 24 hours.
- Performed meticulous review of information for accurate documentation.
- Execute diverse data entry tasks accurately.
- Trouble shoots inquiries from investors, servicers, and auditors efficiently and professionally.
- Processes requests for 4506T forms for auditors.
- Ensured accuracy and efficiency in data handling.
- Consistently delivers top-quality work within set deadlines, independently or by following guidance.
- Demonstrated ability to think creatively while reviewing loans.
- Demonstrated capability to function autonomously, while ensuring effective collaboration with colleagues.
Suspense Analyst
Flagstar Bank, FSB
Troy, Michigan
11.2010 - 04.2012
- Identified needs of customers promptly and efficiently.
- Examined diverse loan types including conventional, FHA and ARM.
- Ensure daily completion of production goals.
- Enhanced customer satisfaction by reducing operational mistakes.
- Provided guidance to customers for submitting accurate documentation.
Education
Associate of Arts - Accounting
Baker College
Auburn Hills, MI12-2011
Skills
- Analytical Problem-Solving
- Effective Written Communication
- Collaborative Teamwork
- Office Administration
- Internal audit
- Keen Attention to Detail
- Quality Assurance
- Project Coordination
- Risk Evaluation
- Sound Ethical Judgment
- Effective Task Prioritization
- Operational Efficiency Enhancement
- Effective Multitasking
Timeline
Underwriting Resolution Operations
Flagstar Bank, FSB
09.2020 - Current
Direct Lending Mortgage Processor
Flagstar Bank, FSB
09.2019 - 09.2020
Delegated Underwriting Auditor
Flagstar Bank, FSB
01.2017 - 09.2019
Legal Assistant/Case Manager
Nyman Turkish
10.2016 - 01.2017
Litigation Legal Assistant
Credit Acceptance
01.2015 - 07.2016
Litigation Legal Assistant
Flagstar Bank, FSB
11.2013 - 01.2015
Underwriting Audit Assistant
Flagstar Bank, FSB
04.2012 - 11.2013
Suspense Analyst
Flagstar Bank, FSB
11.2010 - 04.2012
Associate of Arts - Accounting
Baker College