MICHELLE JAMES
Mortgage Loan Processor, Customer Service Specialist
Las Vegas,NV
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.
Overview
33
33
years of professional experience
14
14
In the mortgage industry
Work History
Mortgage Loan Processor
First Republic Bank
05.2011 - 03.2013
- Evaluated and analyzed financial information, credit histories, and income documentation to determine borrowers' eligibility and risk level
- Collaborate with loan officers and underwriters to address any loan application issues or additional requirement ensuring efficient and successful loan approvals
- Guide borrowers through mortgage application process, assisting with document collection, completion and submission
- Providing transparent and timely communication to clients regarding loan status, conditions and any necessary documentation
- Maintained strong relationships with loan origination officers, title companies and other industry professionals to facilitate smooth and timely loan closing.
Small Business Co-Owner
Good Shepherd Mortuary Transport Removal Service
06.2006 - 05.2011
- Performed on call 24/7 transport, removal and delivery service
- Transferred deceased persons from residences, hospitals and nursing homes and transported to preferred funeral homes or donor facilities
- Delivered exceptional customer service, observing all traditions, with families and medical staff.
FHA Loan Modification Processor
Wachovia Bank
09.2008 - 05.2009
- Collaborated with borrowers to understand their financial goals and provide personalized loan solutions that meet their needs and ensure compliance with underwriting and lenders' program requirements
- Evaluated and analyzed financial information, credit histories, and income documentation to determine borrowers' eligibility and risk level
- Conducted through assessments of property values and appraisals to ensure accurate loan to value ratios
- Liaison between borrowers and underwriters to negotiate loan terms and conditions to minimize risk to financial institution
- Developed and maintained relationships with borrowers, and underwriters to establish smooth loan modification process.
Residential Mortgage Underwriter
World Savings and Loans
09.2001 - 05.2008
- Evaluate and analyze mortgage loan applications, ensuring adherence to established guidelines, policies and regulatory requirements for conventional, FHA, FNMA, HELOC, and VA loan programs
- Review credit reports, income documents, tax returns, and asset statements to assess borrowers' credit worthiness and ability to repay
- Calculate debt-to-income ratios, loan-to-value ratios, and other financial metrics to determine loan eligibility and risk assessment
- Collaborate with loan officers, processors and other stakeholders to obtain additional documentation and clarify any discrepancies or missing information
- Provide clear and concise loan decision recommendation, supporting them with sound justifications and mitigating factors
- Communicated with loan officers, processors, and other team members to facilitate smooth loan processing.
Mortgage Loan Representative Assistant
World Savings and Loans
09.1999 - 10.2001
- Maintained 100% customer satisfaction by providing prompt and accurate loan status updates
- Assessed risk, and monitored pipeline of 100 loan files, for 3 loan officers, from pre-qualification through funding by reviewing loan applications, income documentation, credit reports, appraisals and preliminary title reports for compliance with mortgage lending guidelines and regulations
- Assembled and distributed required disclosures to borrowers within required timeframes
- Used critical thinking to alert underwriters of potential risk and possible solutions
- Worked effectively in fast-paced environments while maintaining excellent customer service.
Personnel Relations Technician
United States Navy Reserve Intelligence Program
05.1987 - 08.1992
- Managed personnel records for 20 active-duty reservists by requesting and updating security clearances, maintaining attendance, payroll, and training records
- Responsible for active-duty orientation as well as counseled military personnel deploying for active duty during Desert Storm
- COBOL Programmer: Project programmer for units' payroll system.
Veterinary Food Inspector
United States Army
03.1980 - 11.1986
- Received Joint Service Commendation Medal
- Rewrote USDA guidelines for inspection of eggs and poultry
- Inspected perishable, semi-perishables, and non- perishable food items for compliance with military and USDA standards and guidelines for Army, Navy, Air Force, and Defense Depot
- Liaison person for food and non-food related contract negotiations.
Education
Women's Entrepreneurship Certificate Program -
Cornell University
Ithaca, NY08.2022
Associate of Applied Science - Computer Programming
Control Data Institute
Southfield, MI1989
Associate of Applied Science - Accounting And Computer Science
Heald Business College
Oakland, CA1987
Skills
- Loan Processing: Proficient in managing mortgage loan applications, gathering required documentation, verifying borrower information, conducted thorough evaluations to ensure loan eligibility
- Loan Underwriter: Demonstrated understanding of mortgage lending regulations, guidelines, underwriting criteria Staying updated on industry trends, changes in lending practices, relevant laws
- Regulatory and Loan Program Compliance: Demonstrated knowledge of conventional, FHA, FNMA, HELOC, VA programs as well as industry regulations, including TILA, RESPA, HMDA, to ensure loan applications adhere to legal requirements mitigate risk
- Communication: Excellent written, verbal communication skills, facilitating effective interaction with borrowers, lenders, other loan team members to expedite loan processing, resolve any issues
- Analytical Skills: Possess strong analytical abilities to evaluate financial documents, credit reports, income statements, tax returns, other relevant information to assess borrower's creditworthiness, risk
- Attention to Detail: Meticulous in reviewing loan documents, verifying accuracy, identifying discrepancies to prevent potential errors or fraudulent activities
- Customer Service: Demonstrated exceptional customer service by fostering positive customer experience through active listening, promptly handling inquiries, concerns Effectively communicating with all members of loan team for seamless customer experience
- Time Management: Strong ability to prioritize tasks, meet deadlines, work efficiently in fast-paced environments while maintaining quality standards
- Software Proficiency: LOS, DU, Microsoft Office [Outlook, Excel, Word, PowerPoint], Zoom, Skype, GoToMeeting Also familiar with Encompass, Microsoft Teams
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Mortgage Loan Processor
First Republic Bank
05.2011 - 03.2013
FHA Loan Modification Processor
Wachovia Bank
09.2008 - 05.2009
Small Business Co-Owner
Good Shepherd Mortuary Transport Removal Service
06.2006 - 05.2011
Residential Mortgage Underwriter
World Savings and Loans
09.2001 - 05.2008
Mortgage Loan Representative Assistant
World Savings and Loans
09.1999 - 10.2001
Personnel Relations Technician
United States Navy Reserve Intelligence Program
05.1987 - 08.1992
Veterinary Food Inspector
United States Army
03.1980 - 11.1986
Women's Entrepreneurship Certificate Program -
Cornell University
Associate of Applied Science - Computer Programming
Control Data Institute
Associate of Applied Science - Accounting And Computer Science
Heald Business College