Michelle Mitchell
Bloomfield
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Mortgage Counselor /Licensed Mortgage Loan Originator
Neighborhood Assistance Corportation of America
Hartford
01.2012 - Current
- Collaborated with other departments to resolve any issues that arise during the loan process.
- Prepared and submitted loan applications for underwriting approval according to established guidelines.
- Answered customer inquiries regarding loan status and other related questions.
- Worked closely with closing agents to ensure timely funding of approved loans.
- Obtained required documentation from borrowers for processing loans, such as appraisals, title reports, insurance policies.
- Managed a portfolio of existing clients through regular communication and updates.
- Identified potential areas for improvement in current processes and procedures.
- Explained the features of various mortgage loan programs to clients, including fixed-rate, adjustable rate, and interest-only mortgages.
- Educated customers about credit repair strategies that can help improve their financial standing.
- Conducted regular follow up with customers to ensure timely completion of their loan application process.
- Reviewed financial documents such as income statements and bank statements to ensure accuracy of information provided.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Originated loans and assisted senior-level credit officers with complex loan applications.
- Developed and maintained relationships with local real estate agents.
- Complied applications and paperwork and double-checked for accuracy.
- Submitted applications to credit analysts.
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
- Established and nurtured relationships with real estate agents and other industry professionals.
- Facilitated workshops and seminars on mortgage products and financial literacy.
- Informed customers of application deadlines, approvals and denials.
- Ensured compliance with federal and state lending regulations.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Addressed and resolved applicant and borrower queries throughout the loan cycle.
- Guided applicants through the loan process, from application to closing.
- Coordinated with underwriters for loan approval and final decision-making.
- Monitored loan progress, ensuring timely processing and closing.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Collaborated with company teams to expedite loan approval processes.
- Processed loan applications in accordance with established policies and procedures.
Education
Bachelor of Science - Human Resources Management
University of Phoenix
Online03-2012
Skills
- Loan origination
- Underwriting process
- Problem solving
- Effective communication
- Attention to detail
- Time management
- Teamwork and collaboration
- Critical thinking
Certification
- HUD Certified Housing Counselor
- Mortgage Loan Originator
- Certified Technical Trainer
- Instructional Design and Development
References
References available upon request.
Timeline
Mortgage Counselor /Licensed Mortgage Loan Originator
Neighborhood Assistance Corportation of America
01.2012 - Current
Bachelor of Science - Human Resources Management
University of Phoenix
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