Michelle Garfield

Reviewed licensing documents and discussed the new license and renewal processes with the City, County, and State.

Collaborated with Planners and Zoning Departments to confirm that glass is an approved use and that we can brand/advertise two separate DBAs/tradenames under the same entity and address.

Additionally, need to confirm what is required to update our existing business license or if a new license is necessary to proceed.

• Provided compliance guidance on Real Estate Settlement Procedures Act (RESPA) disclosures, ensuring adherence to state and federal regulations
• Ensured accurate and prompt delivery of loan disclosures to borrowers, enhancing client satisfaction and regulatory compliance
• Evaluated Change of Circumstance requests and reviewed submission documents, streamlining the disclosure process for progression to subsequent milestones

• Conducted thorough audits of closed loan files to ensure accuracy and adherence to all relevant regulations, including MDIA, RESPA, and TILA, while also verifying the integrity of loan documentation according to established policies and procedures
• Managed the pre-closing process, including the examination of unexecuted closing documents and early disclosures for compliance with evolving RESPA-TILA rules, maintaining a non-fund rate of 2% or less
• Provided exceptional customer service by effectively communicating with borrowers and their representatives to resolve documentation issues, and ensured investor compliance by reviewing legal instruments such as Powers of Attorney and Trust Agreements

• Managed comprehensive loan processing tasks, ensuring the accuracy and compliance of disclosures while maintaining up-to-date records in loan origination software
• Facilitated the closure of 50-60 loans monthly, involving meticulous review and calculation of borrower income, assets, and liabilities, and coordination of necessary documentation and verifications

• Company Overview: Title Company
• Conducted thorough examinations of public records and title reports, assessing the legal status of properties by reviewing documentation including mortgages, liens, judgments, and easements, ensuring accurate property descriptions and identification of ownership
• Coordinated the procurement of release documentation and verified payoff details, while meticulously analyzing client requests to determine necessary title evidence and pertinent property and party information
• Title Company

• Company Overview: Contracted Mortgage
• Conducted detailed research and obtained necessary lien releases and pay-off information to clear title impairments and facilitate foreclosure sales
• Collaborated with attorneys to address and resolve complex title issues, ensuring the proper conveyance of titles to investors or insurers
• Maintained proficiency in analyzing title reports across various states, and adeptly navigated foreclosure and title processes to determine foreclosure statuses
• Contracted Mortgage

• Spearheaded the Underwriting and Account Servicing teams at Lending.com, optimizing loan processing and customer satisfaction through the implementation of strategic underwriting policies and proactive account management practices

• Spearheaded the loan processing department, managing end-to-end loan operations, while concurrently overseeing personal banking services, ensuring compliance with regulatory standards and achieving superior customer satisfaction levels in the U.S
• Virgin Islands region for Bank of Nova Scotia

• Oversaw the mortgage funding process at Triad Financial, ensuring compliance with financial regulations and company policies, while leading a team dedicated to the timely and accurate disbursement of mortgage loans