Michelle Humphreys
Bloomfield Hills
Summary
Adaptable professional with a quick-learning ability and a talent for adjusting to new environments. Skilled in rapidly acquiring new knowledge and applying it effectively. Driven by a passion for continuous learning and successfully navigating change.
Overview
14
14
years of professional experience
Work History
Mortgage Loan Consultant
Flagstar Bank, FSB
Troy
04.2016 - Current
- Processed payoffs from other lenders as well as escrow accounts at time of closing.
- Cross-trained employees, enabling completion of priority tasks during personnel absences.
- Calculated mortgage payments, interest rates, taxes, insurance amounts.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Maintained up-to-date knowledge of industry regulations and procedures.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Coordinated with underwriters for loan approval and final decision-making.
- Stayed abreast of lending regulations, industry trends and market rates.
- Verified accuracy of information on mortgage documents.
- Monitored loan progress, ensuring timely processing and closing.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
Executive Assistant/Loan Officer Assistant
JPMorgan Chase
Troy
10.2010 - 02.2015
- Oversaw inventory control processes ensuring availability of supplies at all times.
- Provided administrative support in preparing contracts, invoices, purchase orders, and other documentation required for daily business activities.
- Updated and implemented administrative and executive support policy changes and monitored effects.
- Monitored inventory levels of office supplies and placed orders when necessary.
- Handled confidential information with discretion and integrity.
- Managed daily invoices, reports and proposals.
- Maintained accurate records of loan processing activities.
- Prepared and delivered loan documents to title and escrow teams.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
Education
Associate of Applied Science - Accounting
Oakland Community College
Auburn Hills, MI04-2015
BBA - Business Administration
Baker College
Flint, MI06-2004
Skills
- Analytical thinking
- Client relationship management
- Problem solving
- Data entry
- Loan processing
- Financial reporting
- Problem-solving
- Organization and time management
- Team collaboration
Accomplishments
- Top Mortgage Loan Consultant for three consecutive years
Timeline
Mortgage Loan Consultant
Flagstar Bank, FSB
04.2016 - Current
Executive Assistant/Loan Officer Assistant
JPMorgan Chase
10.2010 - 02.2015
Associate of Applied Science - Accounting
Oakland Community College
BBA - Business Administration
Baker College
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