Years o2f professional experience
Melissa Hunter
White Lake,MI
Summary
Hardworking Mortgager Underwriting Manager with over 29 years of experience in Mortgage Operations. Excellent reputation for resolving problems and improving customer satisfaction. DE FM62. SAR/LAPP 023707 and NMLS #533657. Remote for the last 6+ years. Vast knowledge of MSHDA, Conv, FHA, VA, USDA, and 1031 programs. Extensive background in all areas of operations including post-closing. Over 15 years conforming and non-conforming loan amounts.
Overview
22
22
Work History
Financial Coach
Primerica
05.2023 - Current
- Guided participants in development of realistic goals and enhanced accountability on financial matters.
- Helped members leverage credit and asset building financial products.
Tax Professional
H&R Block
01.2023 - Current
- Completed and filed returns with tax departments at local, state, and federal levels.
- Maintained complete records of client tax returns and supporting documentation in secured areas.
- Conducted reviews of internal tax documentation, reducing errors related to missed tax benefits.
Underwriting Manager
Mr. Cooper
11.2019 - 12.2022
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production and quality goals.
- Conducted monthly file audits for each Underwriter to identify weaknesses and provide recommendations for improvement.
- Assist in design of new tools to create accuracy and consistency across the department.
- Perform daily reporting to ensure all tasks are completed within government and company guidelines as well as deadlines and service level agreements.
Government Underwriter
Keller Mortgage
03.2019 - 11.2019
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Government Underwriter and Team Lead
The Money Source/Endeavor America
11.2016 - 01.2019
- Coached team members in techniques necessary to complete job tasks.
- Trained new team members by relaying information on company procedures and safety requirements.
- Underwrite loans to agency standards.
- Morale committee. Coordinated remote employee night outs by area to strengthen co-workers relationships.
Underwriting Manager
Bank of America
01.2002 - 11.2016
- Monitored daily reporting to ensure department production and quality goals.
- Ensured compliance with all ECOA policies and deadlines.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
- Perform random file audits of staff to ensure compliance with all internal and external policies.
Education
Bachelor of Arts - Accounting
Walsh College of Accountancy And Business Administration
Troy, MI05.2004
Skills
- Analyzing Data
- Risk Mitigation
- Debt-to-Income Ratios
- Residential Loans
- Jumbo Loans
- Asset Statements
- Documentation
- Tax Code Knowledge
- Mathematical Calculations
- Tax Return Preparation
- Staff Development
- Financial Management
- Tax Law
- Verbal/Written Communication
- Finance
- Local, State, and Federal Tax Returns
- FNMA Guidelines
- Residual Incomes
- LTV Calculations
- Residential Mortgage Lending Regulations
- Application Analysis
- Corporate Financial Statements
- Customer Relations
- Creditworthiness Determination
- Loan Processing Coordination
- Property Evaluation
- Automated Underwriting System (AUS)
- Organizational Skills
- Computer Skills
- Team Management
- Multitasking Abilities
- Quality Assurance
- Microsoft Office Suite
- Fast Learner
- Talented Leader
- Teamwork and Collaboration
- Virtual training
- Reporting analysis
- Encompass
Accomplishments
Licensed Notary Public for the state of Michigan.
Ordained Minister.
Life insurance producer.
Former secretary and president of CLPA non-profit.
Timeline
Financial Coach
Primerica
05.2023 - Current
Tax Professional
H&R Block
01.2023 - Current
Underwriting Manager
Mr. Cooper
11.2019 - 12.2022
Government Underwriter
Keller Mortgage
03.2019 - 11.2019
Government Underwriter and Team Lead
The Money Source/Endeavor America
11.2016 - 01.2019
Underwriting Manager
Bank of America
01.2002 - 11.2016
Bachelor of Arts - Accounting
Walsh College of Accountancy And Business Administration