Michelle Donnelly
118 Cedar Lake Dr, Williamstown,NJ
Summary
Highly organized and meticulous individual with over 20 years experience in banking and residential mortgage lending operations. TD Bank SOAR winner for Feb 2020, Q2 2020 WOW winner and a 2020 recipient of the CEO Leadership Award
Overview
27
27
years of professional experience
Work History
Loan Underwriter I, II and III
TD Bank, N.A.
Mt. Laurel, NJ
07.2014 - Current
- Work on stretch assignments as needed (chosen to mentor a group of new hires for 6-8 weeks to get them lending authority) for upper management
- Underwrite complex home equity loans, including the Wealth Borrowers, Cross Border, Triage, High Dollar and NY market loans
- Underwrite purchase and refinance transactions for complex portfolio loans (Medical Loan Program, Wealth Borrowers) as well as Agency loans in a fast paced environment
- Underwrite all types of income and various home equity product types
- Approve loans, issue alternative options, or adverse action accordingly, while using sound judgment and applying bank policies/procedures
- Identify loans for exceptions while ensuring proper procedures are
followed for approval and documentation and assisting in clearing or resolving any issues - Manage integrity issues and ensure files are compliant to internal
guidelines and external regulatory requirements - Ensure compliance with policies and quality standards to maintain consistency in quality of services
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
- Maintain drive & determination to obtain personal and team objectives and goals
Mortgage Loan Processor
Aurora Financial Group LLC
Northfield, NJ
04.2014 - 07.2014
- Upheld complete confidentiality of all submitted information according to release guidelines
- Worked with clients to answer questions, process transactions & resolve issues
- Collected & compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories to submit complete loan packages
- Reviewed all financial documents
- Communicated acceptance or rejection
- Handled all conditions requested from underwriting departments
- Consulted with outside vendors to identify & resolve loan closing issues
- Met critical aggressive deadline dates
HSSII
Bank Of America (previously Countrywide Home Loans
Marlton, NJ
05.2006 - 01.2014
- Transition from paper files to a paperless environment
- Evaluated debt ratio, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions
- Worked in a fast paced environment meeting deadlines
- Provided all business partners high level customer service
- Mentored, coached and trained fellow team players
Mortgage Processor
Sun Home Loans, A Division Of Sun National Bank
Turnersville, NJ
04.2012 - 04.2013
- Pre-underwrote, processed loans of all types
- Maintain average pipeline of 45-60 loans
- Provide excellent customer service
- Consistently exceed goal and maintain being one of the top processors in the office
App Taker, Scenario Desk Analyst, Processor, QA
PHH Mortgage Services
Mt. Laurel, NJ
04.1996 - 04.2006
Education
High School Diploma -
Buena Regional High School
Buena, NJ06.1993
Skills
- Meticulous attention to detail
- Strong work ethic
- Adaptability and Dependability
- Superior organization skills
- Analytical and strategy skills
- Risk management
- Effective written & oral communication skills
- Solid listening & understanding skills
- Interpersonal skills
- Detail-oriented
Hobbies
- Enjoy spending time with family and friends
- My dog, Sadie
- Summers in Cape May
- Passion for photography
References
References are available upon request.
Timeline
Loan Underwriter I, II and III
TD Bank, N.A.
07.2014 - Current
Mortgage Loan Processor
Aurora Financial Group LLC
04.2014 - 07.2014
Mortgage Processor
Sun Home Loans, A Division Of Sun National Bank
04.2012 - 04.2013
HSSII
Bank Of America (previously Countrywide Home Loans
05.2006 - 01.2014
App Taker, Scenario Desk Analyst, Processor, QA
PHH Mortgage Services
04.1996 - 04.2006
High School Diploma -
Buena Regional High School