Michelle Becker
Yardley,PA
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Reliable employee seeking Mortgage Processing Manager position. Offering excellent communication and good judgment. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Experienced Mortgage Processor-Manager with over 22 years of experience in Mortgage Banking. Excellent reputation for resolving problems and improving customer satisfaction.
Overview
9
9
years of professional experience
Work History
Mortgage Processing Manager/Operations Manager
Princeton Home Loans
01.2022 - 11.2022
- Complied with established internal controls and policies.
- Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.
- Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on accounting activities.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Developed strategic plans for day-to-day financial operations.
- Identified improvement changes regarding key processes for internal controls and accounting procedures.
- Validated existing accounting management and reporting systems to assess quality and conformance, identify problems and implement corrective actions.
- Resolved escalated customer issues and boosted retention rates by [Number]%.
- Increased new bank relationships within local community through execution of quarterly promotions.
Mortgage Loan Processor/Mortgage Processing Manager
Princeton Mortgage
12.2019 - 12.2021
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Set up and completed loan submission packages.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering [Type] loans.
- Coordinated closing process with attorneys, title companies and government clerks.
- Oversaw file input in mortgage software and grant-specific software.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Reviewed and validated details of loan applications and closing documentation.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Conducted pre-funding and funding activities for over [Number] monthly applications.
- Produced and submitted completed loan packages to title and escrow professionals.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Completed denial and cancellation procedures on applicable files.
- Evaluated approvals against established bank and government lending standards.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
Senior Loan Processor
E MORTGAGE MANAGEMENT
01.2013 - 11.2018
- 1
- Run Lp, DU 2
- Work with Underwritter to clear condtions 3
- Obtain Documents from clients 4
- Submit file to Underwritter for CTC 5
- Close file by deadlines 6
- Train New staff on operating systems 7
- Assist Loan offficers 8
- Manage a pipeline of over 55 loans 9
- Review income and assets and qualify before going to Underwritter.
- Evaluated approvals against established bank and government lending standards.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies and government clerks.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering [Type] loans.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Provided quick turnaround times to maintain fast-past schedule.
- Checked packages for appropriate documentation.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Acquired management approval for small business and commercial loans.
- Looked over and approved various types of loans.
- Issues reports for old and new loans based on field inspections of loan sites.
- Collaborated with stakeholders to manage loan files and databases and prepare general correspondence.
- Collaborated with stakeholders about extension, guarantees and charges.
Education
Accounting And Finance, Real Estate
Bucks County Community College
Newtown, PASkills
- Communication Skills
- Organization
- Professionalism
- Direct Contact with Underwriters
- Team Management
- Encompass
- Calyx Point
- Team Work
- Customer Loyalty
- Sales Support
- Customer Interaction
- Management of Financial Resources
- Banking Operations
- Problem Anticipation and Resolution
- Mortgages and Loans
- Employee Training Oversight
- Business Process
- Consumer Products
- Loan Processing
- Customer Satisfaction
- Staff Evaluations
- Quality Control Standards
- Process Flows
- Team Meetings
- Purchase Agreements
- Professional Relationships
- Financial Statements
- USA Patriot Act
- Credit Approval and Denial
- Credit Evaluation
- New Business Opportunities
- Creative Solutions
- Providing Feedback
- Real Estate Industry Understanding
- Improving Employee Engagement
NMLS-138711
NMLS
Timeline
Mortgage Processing Manager/Operations Manager
Princeton Home Loans
01.2022 - 11.2022
Mortgage Loan Processor/Mortgage Processing Manager
Princeton Mortgage
12.2019 - 12.2021
Senior Loan Processor
E MORTGAGE MANAGEMENT
01.2013 - 11.2018
Accounting And Finance, Real Estate
Bucks County Community College
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