Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

MICHELE HERNANDEZ

Tampa

Summary

Exceptional mortgage professional who seeks challenges, communicates efficiently, and focuses on customers' needs. Able to achieve and maintain high employee performance levels while negotiating changes in business environments and evolving business practices and shifting regulatory guidelines. A self- motivator, multi-tasking well under pressure, and able to communicate ideas clearly and effectively. Highly experienced in all aspects of multi-state mortgage banking including processing, managing, underwriting, and problem resolution. Very familiar working with FHA, VA, and conventional loans.

Overview

19
19
years of professional experience
1
1
Certification

Work History

Customer Success Specialist

SourceTek
08.2022 - 09.2023
  • Assisted companies with payroll refunds
  • Reviewed payroll, tax returns, health insurance and other required forms
  • Closed approx.20 deals per month

Loan Processor/Team Lead

Freedom/Roundpoint Mortgage
06.2020 - 08.2022
  • Process FHA, VA and Conventional loans
  • Review loans for team of5 processors before submitting to underwriting and there to answer any questions they might have

Senior Loan Specialist

PNC Bank
06.2019 - 03.2020
  • Originate and process loans
  • Work with customers to find product that best meets their needs
  • Obtained all required information or reports needed by underwriters, assisting with approval or denial decisions
  • Coordinated timely closings between staff, clients and external service providers

Loan Originator

Atlantic Bay Mortgage
11.2016 - 04.2018
  • Originate residential mortgage loans
  • Work with customers and loan processors to ensure smooth process through closing

Loan Originator

Van Dyke Mortgage
08.2014 - 04.2015

Senior Modification Underwriter

JPMorganChase
08.2010 - 04.2012
  • Underwriting modifications in Loss Mitigation to find program that best fits borrowers needs
  • Responsible for analyzing credit collateral, income, and making recommendations as to eligibility ensuring housing ratio, DTI and property are within program guidelines

Operations Supervisor

JPMorganChase
03.2008 - 08.2010
  • Supervised staff of8-10 processors and closers for the wholesale division
  • Oversaw files from the time approved by underwriting to the time of closing

Senior Account Manager

Fremont Investment and Loans
03.2005 - 08.2007
  • Account manager for one of the top Account Executives in the company
  • Worked files from approval status to closing
  • Authority to clear all conditions once file approved
  • Closed and average of70-85 loans per month

Education

High School Diploma - General

HB Plant High School
Tampa, FL

Skills

  • Processing mortgage loan Knowledge of
  • Knowledge of loan underwriting
  • Self motivated
  • Evaluating financial documents
  • Encompass, Calyx point
  • Attention to detail
  • Gathering data from clients
  • Customer Service
  • File management
  • Document review
  • Dedicated work ethic
  • Credit analysis

Certification

NMLS #1171663

Timeline

Customer Success Specialist

SourceTek
08.2022 - 09.2023

Loan Processor/Team Lead

Freedom/Roundpoint Mortgage
06.2020 - 08.2022

Senior Loan Specialist

PNC Bank
06.2019 - 03.2020

Loan Originator

Atlantic Bay Mortgage
11.2016 - 04.2018

Loan Originator

Van Dyke Mortgage
08.2014 - 04.2015

Senior Modification Underwriter

JPMorganChase
08.2010 - 04.2012

Operations Supervisor

JPMorganChase
03.2008 - 08.2010

Senior Account Manager

Fremont Investment and Loans
03.2005 - 08.2007

High School Diploma - General

HB Plant High School
MICHELE HERNANDEZ