Christen Stott
Clinton Township,MI
Summary
A dedicated legal assistant and real estate professional with over 10 years of experience in legal, financial services, and mortgage underwriting. Known for outstanding analytical skills, client relations, and leadership, specializing in complex case evaluations, risk management, and client support. Skilled in fostering efficient workflows, providing top-tier client services, and ensuring compliance with regulatory standards.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Legal Assistant
Social Security Administration
Detroit, MI
05.2023 - Current
- Responsible for knowing how to research and be familiar with complex laws, rules, regulations and written guidelines & explaining the provisions to others
- Communicate with a wide variety of individuals to provide advice/guidance about medical or legal claims, hearings process, insurance claims, or other related programs
- Review and process a variety of legal and/or medical documentation, records and evidence in accordance with applicable rules & regulations
- Provide hearing monitor services where I dictate and take written correspondence of claimant hearings before an admirative law judge, as well as facilitate the coordination of parties for the hearing process
- Provide work up on cases that have been processed and scheduled with a hearing date
- Get these cases ready by exhibiting and reviewing all pertinent documents in the case file
- Maintain a steady workflow
- Responsible for facilitating the master docketing of new cases and ensure they are properly set up and preliminary documentation is sent out regarding the hearings process and what’s needed
- Prepare correspondence and has experience using word processing software for data input, queries, reports or case tracking
- Serve as a trainer that provides hands on training for new employees and team members on processes, systems and workflows
Personal Banker II
Fifth Third Bank
Shelby Township, MI
10.2022 - 04.2023
- Was responsible for acquiring and retaining new client relationships that result in generating revenue for the business
- Engage in deep conversations with clients to understand their needs and develop long term relationships
- Finding solutions through convenience-based needs in addition to long term planning and obstacle recovery
- Work with a variety of clients including small business clients to find solutions focused around cash management and operational efficiencies
- Assist clients with processing transactions and perform account maintenance based on client requests
Mortgage Credit Underwriter
Rocket Family of Companies
Detroit, Michigan
04.2015 - 09.2022
- Received extensive training in credit underwriting to meet the business needs of the company by analyzing loan files for potential risk and ensuring loans meet the relevant investor and regulatory guidelines
- They focus on managing flags on active loan files and clearing them for final sign-off
- Analyze loan documents and data to verify accuracy and identify any items that pose risk or compliance conflicts
- Submit mortgage files and borrower information through an Automated Underwriting System (AUS) to acquire details about items that pose risk or compliance conflicts
- Review AUS findings and determine actionable next steps to resolve any conflicts
- Break down and communicate next steps for clients who have varying levels of experience with the mortgage process
- Identify data gaps and request required documents to meet investor and/or regulatory guidelines
- Manage a loan pipeline daily to address any items that delay loans from progressing through the process
- Monitor existing policies and guidelines to ensure loans comply with any policy or guideline changes
- Answer underwriting questions from business partners to assist with moving loans quickly and accurately through the process
- Consistently meet minimum production goal numbers
- Analyzed 500 loans per month, verifying compliance and risk according to federal and state guidelines
- Excelled target metrics each month as a top performer while maintaining a high quality efficiency rating on loans worked on
- Fostered relationships with clients and provided insight on gaps in order to meet investor and regulatory guidelines
Office Assistant/Receptionist
Family Law Assistance Project Clinic
Auburn Hills, MI
09.2014 - 02.2015
- Acted as the first point of contact for the family law assistance office and liaison between clients and staff
- Communicated and provided resources to Domestic Violence victims
- Screened clients to determine eligibility for services
Legal Assistant
The Dollar Law Firm, PLLC
Southfield, MI
12.2013 - 04.2014
- Liaison for the office, which included being responsible for scheduling depositions and meeting requests for clients
- Requested medical records and reviewed documents for accuracy
- Interviewed clients and witnesses for production responses
Legal Assistant
Ricks & Associates, PLLC
Farmington Hills, MI
09.2013 - 10.2013
- Assisted lead attorney with bankruptcy case filings and data entry
- Aided in the client interviews and facilitated office responsibilities
- Inputted data into Best Case Software for electronic case filings
Third Party Risk Analyst
Rocket Family of Companies
- Managed internal and external risk with parent company and over 100 vendor relationships to ensure compliance to protect the company and consumers
- Reported findings with executive leadership to determine risk appetite from a financial, and regulatory outlook
- Created SOPS and controls within the organization which resulted in a 25% increase in productivity and $125,000 in costs saved by finding redundancies
Title Clearance Analyst
Rocket Family of Companies
- Evaluated 500-1000 trust agreements, divorce decrees, probate documents to ensure compliance before issuing title insurance on a monthly basis
- Monitored payoffs and open liens/judgements in order to escalate the loan process
- Managed the clearance of paid and unreleased mortgages and liens of public record
Education
Bachelor of Arts - Criminal Justice
Michigan State University
Paralegal Certificate -
Oakland Community College
Skills
- Legal Research: LexisNexis
- Legal Research: Westlaw
- Case Management: Caseaware
- Case Management: LPS
- Case Management: Lenstar
- Mortgage Underwriting & Compliance: Automated Underwriting Systems (AUS)
- Mortgage Underwriting & Compliance: CPMS
- Client Relations & Financial Solutions: Real Estate Solutions
- Client Relations & Financial Solutions: Accurint
- Administrative Tools: Time Matters
- Administrative Tools: Pacer
- Administrative Tools: Fidelity National Title
Volunteer Experience
- Volunteer, Wayne County Property Tax Assistance Program
- Volunteer, Wayne County Election Day Poll Worker
- Walk Participant, American Cancer Society
- Walk Participant, Juvenile Diabetes Research Foundation
Certification
- NMLS License: 2428388
- Notary Public Commission: Issued October 2022 - State of Michigan
Timeline
Legal Assistant
Social Security Administration
05.2023 - Current
Personal Banker II
Fifth Third Bank
10.2022 - 04.2023
Mortgage Credit Underwriter
Rocket Family of Companies
04.2015 - 09.2022
Office Assistant/Receptionist
Family Law Assistance Project Clinic
09.2014 - 02.2015
Legal Assistant
The Dollar Law Firm, PLLC
12.2013 - 04.2014
Legal Assistant
Ricks & Associates, PLLC
09.2013 - 10.2013
Third Party Risk Analyst
Rocket Family of Companies
Title Clearance Analyst
Rocket Family of Companies
Paralegal Certificate -
Oakland Community College
Bachelor of Arts - Criminal Justice
Michigan State University