MICHELLE GRAVES
BALTIMORE,MD
Summary
Detail-oriented Mortgage Loan Operations Analyst with expertise in data analysis and compliance. Proven ability to streamline processes and enhance operational efficiency across the mortgage lifecycle. I have a proven track record of expanding mortgages and consumer loan portfolios loans *[auto, personal, or credit cards], driving revenue growth, and building high-performing sales teams to optimize lending operations and increase profitability at MECU OF BALTIMORE.
Results-driven professional with extensive experience in mortgage operations. Skilled in workflow optimization and risk mitigation, contributing to significant compliance improvements and operational efficiencies. Committed to delivering impactful solutions in the mortgage lending sector.
- Loan Portfolio Growth
- Risk Mitigation & Underwriting
- Regulatory Compliance (Reg Z, RESPAs, Dodd-Frank)
- Cross-Functional Team Leadership
- P&L Management & Budgeting
Operations Research Analyst with advanced mathematical and analytical skills and a track record of identifying complex issues, collecting information, and developing practical solutions to problems. Strong written and oral communication skills useful in summarizing and presenting findings to decision-makers and developing strategic recommendations. Self-motivated with a desire to advance professionally as evidenced by continuing education in .
Overview
12
12
years of professional experience
Work History
Sr. Mortgage Loan Operations Analyst | Lending
MECU of Baltimore
Baltimore, MD
08.2022 - Current
- Bridges the gap between raw data, loan origination pipelines, and regulatory compliance. This senior-level position focuses on optimizing the mortgage lifecycle, from processing and underwriting to closing and secondary market delivery.
- Pipeline & Data Analysis: Monitoring the mortgage pipeline to identify bottlenecks, ensuring loan files flow efficiently through processing, underwriting, and closing phases.
- Compliance & Risk Mitigation: Auditing loan files to ensure absolute compliance with federal regulations (such as HMDA, TRID, and RESPA) as well as investor guidelines (Fannie Mae, Freddie Mac, or Ginnie Mae)
- Supported project management efforts by coordinating resources and tracking progress against timelines.
- Escalation & Problem Solving: Serving as a subject matter expert to resolve complex loan administration issues, data discrepancies, or trailing documentation errors
SR. Mortgage Lending Underwriter II (GOVT & VA)
Freedom Mortgage Corporation
06.2014 - 05.2022
- Evaluated risk factors to determine loan eligibility and compliance with underwriting guidelines.
- Analyzed borrower financial profiles to ensure accuracy in credit assessments.
- Collaborated with loan officers to clarify documentation requirements and expedite processing time.
- Implemented process improvements that enhanced efficiency of underwriting workflows.
- Industry Knowledge: Strong familiarity with mortgage guidelines, lending practices, and regulatory standards.
- Attention to Detail: Ability to spot financial errors, analyze complex income types, and verify mathematical Holds daily team huddles to review changes, answer questions and provide updates
- Deliver regular 1:1s with phone agents to discuss employee scorecard trending, areas of opportunity, career pathing
- Conducts side by side call observations with each team member to provide live feedback and direction
- Coordinates any agent schedule changes/adherence concerns with the Command Center
- Provides direction to Loss Mitigation Specialists on department goals; drives call focus based on Loss Mitigation touchpoints. Ensures agents are meeting expectations on calls, addresses gaps in performance immediately
- computations.
- Communication: Clear written and verbal skills to explain credit decisions and coordinate with team members
Education
High School Diploma -
DUNDALK HIGH SCHOOL
Dundalk, MD06-1998
Skills
- Data reporting
- Process efficiency
- Process updates
- Business intelligence
- Operations research
- Regulatory compliance
- Workflow improvement
- Data evaluation
Timeline
Sr. Mortgage Loan Operations Analyst | Lending
MECU of Baltimore
08.2022 - Current
SR. Mortgage Lending Underwriter II (GOVT & VA)
Freedom Mortgage Corporation
06.2014 - 05.2022
High School Diploma -
DUNDALK HIGH SCHOOL