Michele Van Dam
South Lyon,MI
Summary
Seasoned professional with a talent for inspiring and building cohesive teams to exceed objectives. Committed to fostering a transparent and empowering work environment that encourages employee contributions towards company triumphs. Offers over twenty years of experience in the mortgage industry.
Overview
12
12
years of professional experience
Work History
Manager Residential Underwriting/Loan Servicing
Community Financial Centers
Plymouth, MI
06.2024 - Current
- Led a high-performing team of underwriters and loan servicers.
- Successfully implemented and provided support for equities systems conversion from Symitar to Encompass.
- Managed monthly audit responses.
- Contributed to the development of innovative mortgage products aimed at increasing access to homeownership for underserved individuals.
- Worked alongside Sales Director to successfully implement and execute the FHLBI Homeboost grant program, delivering significant financial assistance for home purchases.
- Provided leadership during times of organizational change.
- Maintained up-to-date knowledge of changing lending regulations and guidelines.
- Identified valuable solutions for customers with credit problems.
Mortgage Underwriting Supervisor
Community Financial Credit Union
Plymouth, Michigan
10.2022 - 06.2024
- Directed and supervised team of 3 employees in daily operations.
- Maintained accurate records of employee performance, attendance, leave requests, and disciplinary actions.
- Developed and implemented operational policies and procedures to ensure efficiency and accuracy of workflows.
- Collaborated with other departments to coordinate workflow processes between teams.
- Provided guidance and direction to subordinates regarding job duties and responsibilities.
- Led weekly team meetings to discuss progress, address issues, and plan future actions.
Residential Mortgage Underwriter
Community Financial Centers
Plymouth , MI
11.2012 - 10.2022
- Consulted with other departments regarding complex loan applications.
- Evaluated collateral properties to assess market value.
- Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
- Conducted due diligence reviews of loans prior to closing.
- Managed multiple tasks simultaneously while meeting tight deadlines.
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Assessed risk levels associated with each loan application based on established criteria.
- Performed detailed asset analysis to prevent fraud and verify sources of funds for closing.
Education
Associate of Science - Math And Science
Schoolcraft Community College
Livonia05-2004
Skills
- Mortgage and Equity Underwriting
- Automated Underwriting System (AUS)
- Problem-solving abilities
- Reliability
- Team Management
- Teamwork and Collaboration
- Active Listening
Affiliations
- Spending time with family
- Hiking and Backpacking
- Reading
- Birding
Timeline
Manager Residential Underwriting/Loan Servicing
Community Financial Centers
06.2024 - Current
Mortgage Underwriting Supervisor
Community Financial Credit Union
10.2022 - 06.2024
Residential Mortgage Underwriter
Community Financial Centers
11.2012 - 10.2022
Associate of Science - Math And Science
Schoolcraft Community College
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