Michelle Henson
Corona,CA
Summary
Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature. Worked in the Mortgage business for 20 plus years, spanning from Funding, Funding Manager, Underwriting, Wholesale and Retail Sales.
Overview
7
7
years of professional experience
Work History
Mortgage Loan Processor
Wells Fargo
09.2016 - 07.2023
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Set up and completed loan submission packages.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Handled any conditions sent from underwriting departments.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Provided quick turnaround times to maintain fast-past schedule.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assessed loan portfolios for compliance with underwriting policies.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Communicated with originator and applicant concerning progress of loan file.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Reviewed and validated details of loan applications and closing documentation.
Skills
- Government Lending
- Mortgage Banking and Analysis
- Information Verification
- Loan Evaluations
- Financial Document Review
- Processing Procedures
- NMLS Licensed
- Core Software
Additional Work History
iQual
Carrington Mortgage
Indy Mac
Decision One Mortgage
Timeline
Mortgage Loan Processor
Wells Fargo
09.2016 - 07.2023
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