Michelle Falk
Mount Clemens,MI
Summary
Mortgage underwriting professional with robust history of the mortgage industry. Evaluating loan documents and ensuring adherence to high quality standards. Proven ability to collaborate with team members and adapt to evolving industry requirements. Recognized for impeccable accuracy, reliability, professional etiquette and exceptional customer service.
Overview
21
21
years of professional experience
Work History
Mortgage Underwriter 1
A&D Mortgage, LLC
Fort Lauderdale, FL (remote)
04.2025 - Current
- Review title, insurance, flood insurance, borrower identification, trust and LLC documents to verify accuracy and completeness.
- Review appraisals, including SFR, condo, multi family, mixed use, 2-4 unit, and rental income for accuracy and completeness.
- Reduce processing time for mortgage applications through diligent management of underwriting tasks.
- Collaborate with TPO account executives and business partners to clarify applicant information and expedite the underwriting process.
- Ensure regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards for Non-QM loans.
- Maintain high level of customer satisfaction by providing clear, concise explanations of complex underwriting decisions.
Business Partner Advocate
Flagstar Bank, FSB
Troy, MI (remote)
10.2007 - 04.2025
- Developed and maintained strong relationships with elite TPO Business Partners, as a single point of contact, for improved loan flow and turn times from initial loan registration through out post purchase requirements for secondary investors.
- Provided exceptional customer service to partners, addressing their needs promptly and accurately while maintaining a professional demeanor.
- Delivered quarterly key metric analysis to communicate any common traits, reoccurring issues and areas of possible improvement specific to the partners business platform.
- Monitored account pipelines and daily reporting systems to proactively address outstanding conditions needed to clear loans for purchase and improve loan submissions.
- Strengthened internal partnerships with multiple business units through out the bank to work as a liaison between account executives and business partners to ensure quicker condition resolution and faster turn times for volume growth.
- As a senior advocate I maintained a higher level of loan volume, and mentored junior advocates, equipping them with the skills needed to excel in their roles.
- Collaborated with colleagues and management to create the advocate program from the beginning, developing our mission statement, onboarding and welcome call procedures, and the overall role of an advocate thus creating efficiency and a team environment.
Post Closer
The Construction Loan Company
Imlay City, MI
05.2006 - 06.2007
- Checked accuracy and completeness of all paperwork for loan construction draws.
- Conducted thorough reviews of closed loan files for accuracy and completeness.
- Worked with warehouse banks to manage shipment of collateral documents.
Title Processor
Title Express Agency
Center Line, MI
04.2004 - 03.2006
- Played a vital role in successful property closings by ensuring that all required documents were prepared accurately and delivered promptly to clients.
- Supported clients throughout the closing process by providing necessary documentation and responding to questions or concerns about their transactions.
Education
GED -
Lamphere High School
Madison Heights, MISkills
- Underwriting guidelines FNMA/FHA/Non-QM/VA
- Appraisal review
- Attention to detail
- Decision-making
- DU/LPA/FraudGuard
- TRID/TILA/HPML/QM
- Team oriented
- Self motivated
- Exceptional customer service
Timeline
Mortgage Underwriter 1
A&D Mortgage, LLC
04.2025 - Current
Business Partner Advocate
Flagstar Bank, FSB
10.2007 - 04.2025
Post Closer
The Construction Loan Company
05.2006 - 06.2007
Title Processor
Title Express Agency
04.2004 - 03.2006
GED -
Lamphere High School