Summary
Overview
Work History
Education
Skills
Timeline
Generic

Michelle Cote

Troy,MI

Summary

Received Sales Associate of the Month award and numerous customer accolades.


Received an award for Integrity.


Customer-focused professional with 5+ years of customer service. Dedicated and efficient call center representative with strong communication skills and a customer-focused approach. Eager to contribute excellent interpersonal skills to support customer operations and enhance brand loyalty for A1 Garage Door Services.


Overview

2025
2025
years of professional experience

Work History

Agency Shipper

Flagstar Bank
07.2013 - 11.2024
  • Prepare closed mortgage loan files to investors, such as Fannie Mae, Freddie Mac, the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA).
  • Core function is to ensure that all documentation is accurate and compliant with the specific agency's strict guidelines to enable the timely purchase and funding of the loan.
  • Any missing documents or errors discovered during the review process must be reported.
  • The shipper compiles and organizes the complete closed loan package, electronically for delivery.
  • Responsible for electronically uploading or shipping the loan packages to the appropriate investor or agency within the required deadliness.
  • The shipper tracks the status of loans submitted for purchase to ensure timely funding by the investor.
  • Shippers work with several internal teams, including loan officers, processors and closers, to collect and correct any document issues.
  • Shippers may also communicate with external partners, such as title and escrow companies, to obtain missing information and ensure a smooth process.

Rate Lock Specialist

Flagstar Bank
05.2011 - 07.2013
  • Call Center with an average of 40 calls taken per day.
  • Lock and extend mortgage interest rates and assist with new loan registration.
  • Respond to emails from internal and external customers.
  • Collected, arranged, and input information into database system.
  • Developed effective improvement plans in alignment with goals and specifications.

Receptionist

JCPenney Hair Salon
2009 - 03.2013
  • Kept reception area clean and neat to give visitors positive first impression.
  • Resolved customer problems and complaints.
  • Greeted incoming visitors and customers professionally and provided friendly, knowledgeable assistance.
  • Managed multiple tasks and met time-sensitive deadlines.
  • Did scheduling for 35+ hair stylists.
  • Keep the salon supplied with products and materials, stock shelves and order new supplies as needed.
  • Maintain accurate records, including contact information, billing details and service history.

Sales Support/Visual

JCPenney
11.2001 - 2009
  • Created interior displays to promote products in alignment with corporate sales objectives.
  • Enhanced overall store appearance by applying careful consideration to product and display locations.
  • Managed aesthetically pleasing displays to showcase company products and increase sales.
  • Monitored and replenished display inventory and restructured according to available stock.
  • Coordinated with marketing and promotions teams to verify proper implementation of visual elements of display.
  • Managed installation of visual merchandising displays, urging team to with speed and accuracy.
  • Organized store merchandise racks by size, style, and color.
  • Promoted seasonal products and trends to move stock and prepare for incoming inventory.
  • Monitored store traffic and customer engagement to determine display effectiveness.
  • Collaborated with store managers to determine best placement for merchandise displays.
  • Gained strong leadership skills by managing projects from start to finish.
  • Developed and maintained courteous and effective working relationships.

Sales Associate

Lerner New York
1986 - 2000
  • Provided positive first impressions to welcome existing, new, and potential customers.
  • Answered customer questions about sizing, accessories, and merchandise care.
  • Accurately processed POS transactions, returning coin, currency, payment cards, and receipts to customers.
  • Organized racks and shelves to maintain store visual appeal, engage customers, and promote specific merchandise.
  • Solved customer challenges by offering relevant products and services.
  • Traveled to different locations to assist in the organization and opening of new stores.
  • Achieved consistently high client satisfaction.

Education

High School Diploma -

Sterling Heights High School
Sterling Heights, MI
06.1988

Skills

  • Strong planning abilities

  • Strong communication skills

  • Self-directed and team-oriented

  • Skilled in managing multiple tasks

  • Adaptability to new challenges

  • Proficient in both oral and written expression

  • Dependable

  • Reliable professional commitment

Timeline

Agency Shipper

Flagstar Bank
07.2013 - 11.2024

Rate Lock Specialist

Flagstar Bank
05.2011 - 07.2013

Sales Support/Visual

JCPenney
11.2001 - 2009

Receptionist

JCPenney Hair Salon
2009 - 03.2013

Sales Associate

Lerner New York
1986 - 2000

High School Diploma -

Sterling Heights High School

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