Michelle C. Hart
Matthews ,NC
Summary
I am seeking a position that offers the opportunity to utilize my educational as well as my personal and professional skills to help a company grow.
Professional with strong background in mortgage processing, skilled in evaluating financial documents, assessing loan applications, and ensuring compliance with industry standards. Adept at streamlining procedures to enhance efficiency and support team collaboration. Known for reliability and flexibility in meeting changing needs, with consistent focus on achieving results. Excellent communication and problem-solving abilities complement technical expertise in mortgage software and regulatory guidelines.
Overview
6
6
years of professional experience
Work History
Licensed Insurance Agent
Brightway Insurance the Dimitri Apostle Agency
05.2023 - Current
- Work with clients, realtors and lenders to find the best option of the 40 insurance carriers the office has appointments for their property insurance.
- Review and analyze policy endorsements, exclusions and coverage limits to determine the most suitable coverage options for clients, successfully finding products matching their needs.
- Maintain up-to-date knowledge of industry regulations, trends and best practices to ensure compliance and provide informed recommendations to clients.
Due Diligence Underwriter/Underwriter 2
Stonehill Group
08.2020 - 12.2022
- Perform due diligence as a third-party mortgage underwriter evaluating closed mortgage loan files to identify and potential credit issues or fraud.
- Reviewing underwriting decisions for each file assigned, auditing credit, income, title and appraisals for accuracy and completion of all required documents for conventional and Non-QM loans.
- Handling multiple tasks on multiple loan review systems while prioritizing my workload during hectic work periods.
- Assuring compliance with policies and procedures outlined in the investor guides, contractual obligations, as well as state and federal regulations and regulatory requirements.
Underwriter 2
Wells Fargo N.A.
04.2020 - 08.2020
- Reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines.
- Evaluating and ensuring overall loan documents were received, accurate, complete, and compliant.
- Using an automated scoring system or traditional underwriting to determine acceptability of loan requests.
- Working with production to resolve questions about underwriting decisions.
Account Manager/Scenario Desk Analyst
Deephaven Mortgage
12.2018 - 04.2020
- Partnering with broker company staff and third party-vendors throughout the review process to ensure efficient, quality closings.
- Handling large daily volumes of Scenario Desk phone calls and email inquiries from our correspondents and wholesale lending partners, reviewing the nature of each inquiry to determine the appropriate loan program and response to the inquiry per company guidelines.
- Researching Deephaven Mortgage LLC’s underwriting and program guidelines to properly answer inquiries from different sources.
- Analyzing and calculating borrower’s income using alternative documentation sources such as bank statements.
- Assisting sales force and other internal staff with underwriting guideline questions.
- Providing new loan set up/system access guidance to correspondents and wholesale lending partners.
- Determining when to escalate customer requests to Senior Underwriter and/or Underwriting Manager.
Education
Bachelors of Science - History
Western Carolina University
05.2009
Bachelors of Science - Psychology
Western Carolina University
05.2009
Skills
- Goal oriented approach
- Underwriting principles
- Customer service
- Financial due diligence
- Underwriter collaboration
- Processing procedures
- Pipeline management
- Financial document review
- File management
- Loan processing expertise
- Customer communication
Timeline
Licensed Insurance Agent
Brightway Insurance the Dimitri Apostle Agency
05.2023 - Current
Due Diligence Underwriter/Underwriter 2
Stonehill Group
08.2020 - 12.2022
Underwriter 2
Wells Fargo N.A.
04.2020 - 08.2020
Account Manager/Scenario Desk Analyst
Deephaven Mortgage
12.2018 - 04.2020
Bachelors of Science - History
Western Carolina University
Bachelors of Science - Psychology
Western Carolina University
Similar Profiles
TIFFANY BABANTIFFANY BABAN
Insurance Agency Owner at Brightway Insurance, The Baban AgencyInsurance Agency Owner at Brightway Insurance, The Baban Agency
Chris HuebenerChris Huebener
Equity Partner at Brightway InsuranceEquity Partner at Brightway Insurance
Thea ShererThea Sherer
General Line Insurance Sales Agent at Brightway InsuranceGeneral Line Insurance Sales Agent at Brightway Insurance
Chris DavisChris Davis
Ramp Reports Manager at Piedmont AirlinesRamp Reports Manager at Piedmont Airlines
Etta MucciEtta Mucci
Eligibility Enrollment and COBRA Specialist at Marpai Health (Maestro Health Until November 2022)Eligibility Enrollment and COBRA Specialist at Marpai Health (Maestro Health Until November 2022)