Michael Deshu
Garland
Summary
Driven professional with front and back end underwriting, post-closing underwriting, loan servicing, and audit/analyst money retrieval experience with strengths in data review, income analysis, document review, critical thinking, problem solving and communication.
Overview
5
5
years of professional experience
Work History
Logistics Coordinator 1
LOGISTICS COORDINATOR 1
06.2024 - Current
- Review and process in home damages and cargo claims.
- Responding to customers inquiries and referring clients to proper channels.
- Coordinating transportation to ensure on time delivery.
- Ensuring the quality of all services provided meet the required standards.
- Verify quality, completeness and accuracy of routes.
- Assign crews to designated routes
STATE FARM
01.2024 - 04.2024
- Perform complex data and document validation
- Handle more complex calls, emails or chat sessions
- Complete appraisal eligibility tasks
- Evaluate loan applications for compliance with product guidelines
- Interact with multiple departments to expedite processing and/or issue resolution
- Perform other related duties as required and assigned
- Demonstrate behaviors which are aligned with the organization's desired culture and values
PLM Auditor/Analyst 1
PRGX
08.2022 - 12.2023
- Conducted audits using client data to identify errors and recover revenue.
- Found, supported, and documented audit and claim operations and produced claims.
- Updated claims management systems and handled correspondence on billed claims.
- Reviewed contracts, agreements, paperwork, and electronic documents.
- Analyzed and assessed problems regarding client's claims procedure and business operations based on appropriate audit concepts.
- Produced number and dollar volume of claim's goals as defined by team leader and/or management within overall timing and deadline of an audit cycle.
Loss Mitigation Specialist
MR COOPER (IDC TECH)
01.2022 - 09.2022
- Reviewed borrower information between third party and loan servicing systems and validate against customer checklist.
- Managed applications received, followed up and tracked submissions and data reconciliation.
- Validated taxes, PMI, and hazard insurance escrow accounts to ensure accurate payments were made by the due date.
- Verified documents for bankruptcy and foreclosure were in place and uploaded documents as per process manuals.
- Reviewed and updated borrower and loan details such as maturity date, loan amount, transaction date as per checklist for each process.
- Reviewed disclosures for signatures, dates, accuracy and ran daily reporting to follow up on missing ordered items.
Front/Back End Underwriter
SITUS AMC
08.2020 - 12.2021
- Analyzed and rendered credit decisions on mortgage loan applications in line with internal policies and investor guidelines as established by Fannie Mae and Freddie Mac.
- Reviewed and analyzed all required documentation to assess if additional verification or analysis was needed.
- Reviewed, interpreted, and understood various documents such as income and asset documents, taxes, credit reports, titles, and cursory review of appraisals.
- Maintained positive business relationships with customer management and underwriting teams.
- Applied customer and/or internal procedural guidelines regarding any special handling or notification during the underwriting process.
- Adjusted daily demands to facilitate rushed requests due to team workload rebalancing and other demands while maintaining turn times within 4 hours to 48 hours consistently.
Education
Bachelor of Science - Accounting And Finance
Tyler Junior College
Troup, TX12-2025
SPECISS COLLEGE
HARARE, ZW01.2018
Skills
- Amazon Workspace
- ContraCogs
- FinOps
- Encompass
- Desktop Underwriter
- LP
- MS Office Suite
- Allregs
- Workflow
- Lending & Underwriting Guidelines
- Credit & Income Analysis
- Cash-Flow Analysis
- Risk Assessment DTI Ratios
- Conventional
- Conforming Loans
- DataVerify
- Remedy
- IASSIST
- LSAMS
Personal Information
Title: Underwriter/Auditor/Analyst
Timeline
Logistics Coordinator 1
LOGISTICS COORDINATOR 1
06.2024 - Current
STATE FARM
01.2024 - 04.2024
PLM Auditor/Analyst 1
PRGX
08.2022 - 12.2023
Loss Mitigation Specialist
MR COOPER (IDC TECH)
01.2022 - 09.2022
Front/Back End Underwriter
SITUS AMC
08.2020 - 12.2021
Bachelor of Science - Accounting And Finance
Tyler Junior College
SPECISS COLLEGE