Heather M. Miller
Eagle,MI
Summary
Hardworking and passionate job seeker with strong organizational skills eager to secure an Underwriting position. Ready and willing to help team achieve company goals while focusing on mitigating company risks. Successful in leading underwriting teams and training junior staff to handle high workload with accuracy.
Overview
14
14
years of professional experience
Work History
Mortgage Underwriter I, II & Senior
MSU Federal Credit Union
12.2017 - Current
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such Fannie Mae.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Researched and updated industry knowledge on changing legislation and regulations.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
Mortgage Closer I & II
MSU Federal Credit Union
11.2015 - 12.2017
- Calling members to schedule their mortgage closing
- Preparing closing packages to send to title companies
- Once received packages back from title company, approved Closing Disclosures and send exact numbers to members
- Following up with members to make sure their Closing Disclosure was reviewed (following TRID guidelines)
- Answering phones calls
- Scheduling appointments
- Assisting fellow employees and coworkers with mortgage/closing related questions.
- Maintained checklists of required documentation and open issues affecting closings.
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
Mortgage Processor I & II
MSU Federal Credit Union
03.2012 - 11.2015
- Processing appraisal, title, disclosures
- Answering phone calls
- Collaborated with Loan Officers to provide timely, accurate service for members throughout entire mortgage process.
- Handled any conditions sent from underwriting departments.
- Correspondence with members/non-members/clients
- Processing General Ledger’s
- Processed Mortgage Modifications
- Created strong working relationships with advisors, assistants and support staff.
Teller I
MSU Federal Credit Union
01.2010 - 03.2012
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest
- Filling and auditing cash machines weekly
- Processed customer transactions promptly, minimizing wait times.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Trained new hires on member service policies and procedures.
Education
Some College (No Degree) - Interior Design
Lansing Community College
Lansing, MIHigh School Diploma -
Grand Ledge High School
Grand Ledge, MI05.2005
Skills
- Proficient in Microsoft Programs
- Proficient in Symitar Programs (Quest), Synergy, Mortgagebot, Mortgage Servicer, Synapsis
- Residential Mortgage Lending Regulations
- Application Analysis
- Active Listening and Learning
- Analytical and Critical Thinking
- Oral and Written Comprehension
- Data Entry
- Decision-Making
Timeline
Mortgage Underwriter I, II & Senior
MSU Federal Credit Union
12.2017 - Current
Mortgage Closer I & II
MSU Federal Credit Union
11.2015 - 12.2017
Mortgage Processor I & II
MSU Federal Credit Union
03.2012 - 11.2015
Teller I
MSU Federal Credit Union
01.2010 - 03.2012
Some College (No Degree) - Interior Design
Lansing Community College
High School Diploma -
Grand Ledge High School
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