Michelle Nin
Winston Salem,NC
Summary
Over 27 years’ experience in the mortgage and finance industry. Held positions in the mortgage industry as processor, closer, processing manager, closing lead, compliance consultant, product development, and corporate manager. Made an occupational shift into retail management in 2022. A high energy, enthusiastic, and dependable individual who excels in a challenging environment.
Overview
13
13
years of professional experience
Work History
Experience Manager
Ulta Corporation
12.2022 - Current
- Leads a team of stylists, estheticians, guest coordinators, Assistant Services Managers, Sales Managers and boutique leads
- Accountable for all aspects of the guest experience, retail sales, and services businesses, including salon services, boutiques, retail sales, makeup, and guest satisfaction
- Accountable for Net Promoter Score (NPS) and delivering an exceptional guest experience
- Drives the business through a focus on performance (NPS, services, boutiques, makeup, and retail sales), people (guest experience and associate culture), and process (operating procedures and compliance standards)
- Drives results, a passion for the beauty industry, delivers exceptional guest service, and the ability to lead, influence, and develop their team.
Product Development
Fairway Independent Mortgage Corporation
07.2016 - 03.2022
- Navigated through product guidelines to identify Investor specific requirements and impact to the Closing department
- Provided high level summaries weekly to closing leadership of product changes and impact on the department
- Communicated changes to the closing department and advises on impact to policies and/or procedures
- Created and/or updated policies and procedures as applicable
- Partnered with training and curriculum development team to create new curriculum and rollout training as needed
- Created Loan Closing Summary Sheets for company intranet to be used as a quick reference guide
- Attended new investor product calls and summarizes findings for the team
- Partnered with Schwartz, Snapdocs, and Docutech to complete new investor setup
- Developed and completed reporting on investors
- Completed testing of new investors
- Completed closing for new investors and partners with training team to build out training and support for the new investor
- Participated in proactive team efforts to achieve departmental and company goals
- Contributed to a positive work environment by demonstrating cultural expectations and influencing others to reward performance and value 'can do' people, accountability, diversity and inclusion, flexibility, continuous improvement, collaboration, creativity, and fun
- Project Manager assisting a specialized crew to enable the company to draw Fannie Mae closing packages without the assistance of a third-party vendor; this transition would save the company millions per month once implemented.
Corporate Closing Team Lead
Fairway Independent Mortgage Corporation
04.2020 - 08.2021
- Responsible for management and oversight of the closing department
- Managed workflow, assuring all closing documents are following FNMA, FHLMC, FHA, VA, USDA, Bond program and industry standard rules and regulations
- Make sure department production meets the deadlines required to get loans closed, insured, endorsed, and sold to third parties
- Worked with other departments on all process improvements activities
- Employee management, including time and attendance, reviews, and performance evaluations
- Made staffing recommendations based on volume
- Ensured department production remained at the highest-level possible meeting corporate and investor deadlines
- Maintained open lines of communication with all departments that interact with closing - Assisted subordinates as needed when problems arose; Understood and adhered to all existing and/or changes to internal and external guidelines, processes, and procedures as soon as they are implemented
- Ensured loans were closed in compliance with the underwriter’s approval as well as all federal and state regulations
- Managed and redistributed workloads when necessary to maintain established service levels and ensure a positive customer service experience
- Monitored daily, weekly, and monthly production reports, allowing constant accessibility to take on immediate issues/concerns
- Reviewed, retrieved, created, distributed, and discussed reports related to the closing department with staff and senior leaders
- Recruited, developed, mentored, and retained high-performing teammates to ensure ongoing success in meeting department goals.
Corporate Closer
Fairway Independent Mortgage Corporation
07.2016 - 03.2020
- Maintained and closed over 150 loans per month
- Several months exceeded 200 files per month
- Was solely responsible for 7 of the highest producing branches in the company and was one the best of an elite group of closers
- Responsible for prioritizing loans in a timely and efficient manner
- Collaborated with title/escrow companies to balance fees, sent mock CDs to appropriate parties, and issued the initial CD to borrowers upon approval
- Followed established procedures and met turn times in SLA, ensuring collaboration with title and quality/accuracy of all documents, escalated issues as necessary
- Communicated changes effectively and regularly with teammates and management
- Prepared closing documents for both Wet and Dry funding states
- Promptly replied to emails, stayed updated on all process/system changes, and ensured CDs or document packages were sent daily, followed fluctuating CD processing minimums as set by management
- Ensured files and documents met company, investor, and compliance requirements; confirmed that documents were drawn within posted turn times and consistently met deadlines
- Verified several aspects of the documentation and process including, but not limited to property addresses, wire information for funding, information on insurance policies, all fees, impound and MI
- Ensured documents corresponded to the correct program and investor
- Coordinated and communicated with processing and underwriting departments for correcting and completing the files
- Developed in-depth knowledge of entire loan life cycle to fully understand implication of the work of the closing function; was proficient with the document management system
- Performed audit reviews prior to releasing final closing documents
- Accurately filed documents and information in the system and ensured all information was complete and precise
- Confirmed, verified, and ordered funding wire to ensure a timely disbursement; reviewed fully executed closing documents for disbursement authorization; followed established procedures for both Wet and Dry states.
Closing Disclosure Specialist
Robert Half Staffing Solutions
01.2015 - 01.2016
- Helped create and run the Closing Disclosure Specialist position and team for Guild Mortgage
- Reconciled closing disclosures line by line for fee tolerance issues
- Disclosed initial CDs to the borrowers in the specified timeline per TRID guidelines
- Performed detailed audits of LE/CD on loan basis for all points of compliance requirements
- Provided feedback to managers regarding trending or egregious CD issues
- Managed reports and pipelines to ensure timely review and reconciliation of initial CD’s and post-closing CD’s.
Production Coordinator
Bay Equity LLC
01.2013 - 01.2015
- Identified and reported trends in decline submission errors
- Assured compliance with anti-money laundering and Sanctions laws and regulations
- Analyzed various scenarios and suggested potential alternate offers for files recommended for decline
- Maintained a strong focus on continued growth and learning of essential underwriting knowledge
- Discussed relevant underwriting issues with borrower, mortgage consultant and real estate professionals
- Kept mortgage consultants updated on the status of their loans
- Reviewed and analyzed documentation provided on each loan including the 1003, credit report, income and asset documentation, purchase agreement, title report, etc
- To make an informed lending decision in compliance with policies and guidelines
- Managed a pipeline of loans for top producer of the company ensuring all were processed timely to meet closing deadlines; performed daily status meetings to ensure all parties were up to date on each file.
Post-Closing
Sound Mortgage, Inc.
01.2012 - 01.2013
- Accountable for ensuring all closing transactions, laid by the investor or lender were met after signing
- Verified usage of correct mortgage, validated information on each check, checked completed loan documents, created and sorted closed loan files, supervised escrow funds, ensured closed files complied with internal requirements, updated in-house software, and handled post-loan closing searches
- Addressed post-closing issues on files with each investor to expedite the purchase of files
- Monitored investor correspondence daily to ensure up to date information was being received and worked on
- Responsible for contacting internal and external customers to correct closing issues and discrepancies
- Maintained daily records of issues on files
- Monthly pipeline consisted of 140 million per month.
Education
A.A. - Business Management and Accounting
Florida Southern College
Orlando, FL01.1995
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Skills
- Business Planning
- Sales and Marketing
- Staff Management
- Product Management and Branding
- Team Leadership
- Budget Controls
- Finance and Accounting Operations
- Performance Tracking and Evaluations
- Cross-Functional Team Management
- Key Performance Indicators (KPI)
- Complex Problem-Solving
- Productivity Performance
- Business Analysis
- Managing Operations and Efficiency
- Negotiation
Timeline
Experience Manager
Ulta Corporation
12.2022 - Current
Corporate Closing Team Lead
Fairway Independent Mortgage Corporation
04.2020 - 08.2021
Product Development
Fairway Independent Mortgage Corporation
07.2016 - 03.2022
Corporate Closer
Fairway Independent Mortgage Corporation
07.2016 - 03.2020
Closing Disclosure Specialist
Robert Half Staffing Solutions
01.2015 - 01.2016
Production Coordinator
Bay Equity LLC
01.2013 - 01.2015
Post-Closing
Sound Mortgage, Inc.
01.2012 - 01.2013
A.A. - Business Management and Accounting
Florida Southern College
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