MICHELLE IZQUIERDO
Apopka,FL
Summary
Over 20 Years in the mortgage/operations/fulfillment related industry. Inclusive of forward facing customer success, service and problem-solving in fast-paced environment. 14 years in direct mortgage underwriting, credit risk and analytics; with an emphasis on FNMA, FHLMC, FHA, NON-QM and Private Wealth. 3.5 years as Lead/Manager for underwriting teams of 25+ employee; inclusive of onboarding and training. 8 years held in processing/administration.
Overview
30
30
years of professional experience
4
4
10+ Years of mentorship and leadership
6
6
5+ Years of training peers and company leaders
14
14
Years if Mortgage Underwriting
8
8
Loan Processing/Administration
22
22
Mortgage Industry
Work History
Conforming/FHA DE Underwriter
Guaranty Home Mortgage
09.2020 - 04.2023
- Analyzed and mitigated risk for consumer mortgage lending products, by leveraging 4C's (capital, capacity, credit, collateral) for credit worthiness on wage-earner, self-employed, rental and asset-based customers for full-time remote work setting.
- Ensured compliance and regulatory standards were met including data efficiencies, monthly targets, expected short/long-term goals, within 24-48 SLA.
- Ensured consumer met requirements necessary for financial reform; inclusive of Fair Lending /BSA/ OFAC/ AML/PATRIOT ACT.
- Researched and captured market data. Formulated models and proposals for user acceptance testing process, with at least 10-15 monthly roll-outs.
- Cultivated efficiencies on several Loan Operating Systems (LOS), ensured all data, steps and functions were completed pre and post loan process.
- Maintained in top five quality rating of 40-member underwriting team, while meeting needs of investors, compliance and regulatory agencies.
- Effectuated quality control results to combat against misrepresentation and loss mitigation.
- Delivered optimal forward facing customer service and communication for average of 500+ clients.
- Adapted and pivot direction to accommodate slow, high-paced or urgent environments.
- Leveraged knowledge of loan products and lending procedures to problem-solve in restructure of suspense or denied loans for subsequent approvals.
- Collaborated with team members for purpose of improving upon day to day functions and company processes, with target enhancement of 5-10 updates per month.
Underwriting Mgr/FHA DE/Conforming UW/Trainer
Home Point Financial
03.2016 - 09.2020
- Trained, presented and mentored 200+ underwriter/team members in accordance with industry programs, LOS, compliance, federal, state rules and regulations in on-site & remote capacity.
- Onboarded, trained and mentored 4-7 new hires monthly on company policy/protocol, Loan Operating System, data integrity and reporting modules.
- Reviewed and provided coach-back for at least 20 test cases per month for new and existing employees, ensured acceptable grasp of industry knowledge.
- Published company-wide templates, PPT, reporting and training materials for learning and development.
- Supervised personnel, addressed time management, conflict resolution, ensured information input and output was adhered to for team of 25+ underwriters.
- Motivated personnel while encouraging and respecting need for individual work-life balance.
- Conducted (daily, weekly, monthly, quarterly) meetings, drafted improvement plans for policies, procedures, process, engagement, so overall performance was met.
- Project managed at least 5-10 monthly company initiatives and roll outs.
Sr. Conforming/FHA DE Underwriter-HARP Lending Mgr
Wells Fargo Home Mortgage
12.2008 - 03.2016
- Underwriting manager and lead trainer for HARP program (4-5 monthly company wide training sessions).
- Credit risk underwriter for Private Business Bankers (wealth clients) . Specific to affluent or clients circle of influence.
- FHA Team designated Underwriter
- Non-QM Underwriter- Level 4
Education
15 Credit Hours - General Studies
Fresno State
Fresno9 Credit Hours - Interior Design
Chaffey College
Rancho CucamongaHigh School Diploma -
Mclane High School
Fresno, CASkills
- Customer-Service and Success
- Data Security (20 years) troubleshoot, problem solve
- Learning and Development Implementation (4 years)
- Software/Technology- MS Office, Encompass
- Proficient Multi-Tasker with operational efficiency
- Application and Contract Analysis
- Training Entry, Mid and Senior Team Members
- Oral and Written Comprehension
- Quality Control Reviewer
- UAT (user acceptance testing) (5 years)
- Leadership and Mentor Abilities
Timeline
Conforming/FHA DE Underwriter
Guaranty Home Mortgage
09.2020 - 04.2023
Underwriting Mgr/FHA DE/Conforming UW/Trainer
Home Point Financial
03.2016 - 09.2020
Sr. Conforming/FHA DE Underwriter-HARP Lending Mgr
Wells Fargo Home Mortgage
12.2008 - 03.2016
15 Credit Hours - General Studies
Fresno State
9 Credit Hours - Interior Design
Chaffey College
High School Diploma -
Mclane High School
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