Michelle Russell
McKinney,Texas
Summary
Accomplished mortgage professional with a proven ability to develop and implement strategies that support business and financial objectives. Reputation for dedicated teamwork, strong leadership skills, interminable work ethic, and commitment to customer service. Seeking to obtain a challenging position that will capitalize on my years of progressive experience within the mortgage industry.
Overview
8
8
years of professional experience
Work History
Lead Processor
People's Source Mortgage
03.2022 - Current
- Data entered into Encompass Loan System for FHA/VA/USDA/CONV Mortgage Loans.
- Order all basic initial items on file: Payoff, VOE, Title, FHA/VA Case #, Tax Transcripts, LDP/GSA, Flood Cert, HMDA, NMLS, Insurance, & Some Data Entry).
- Reviewing Loan Documents to include: Appraisal, Income, Title, Bank Statements, Homeowners Insurance, Verifications, Credit, Disclosures, AUS Findings, Condo Documents, Mortgage Insurance; Fraud system results, Early Check.
- Reviewing DTI, LTV, Cash Reserves and Credit Histories for all Borrowers.
- Create an Ideal Loan Submission Package for the Underwriting Department.
- Reviewing Initial Loan Approval and work with borrower to gather and approve all conditions.
- Reviewing all Closing Costs & Prepaid to include: Origination, Discount, Title Services, Credit, Escrows, Appraisal, Mortgage Insurance, Transfer Taxes, and Daily Interest.
- Reviewing Loan Document Expiration Dates to include: Rate Lock, Paystubs, Contracts, Case #s, etc.
Account Manager
11 Mortgage
07.2020 - 08.2021
- Pull credit soft pulls, update income documents, assets and flood certs.Request closing disclosures for closing
- Pre-underwriting loans
- Act as liaison between sales and operations staff
- Reviews loan conditions and documentation received from brokers
- Follow up on conditions
- Answers questions from brokers and their loan officers
- Meet assigned monthly closing goals
- Any additional projects/duties as assigned by Management
Customer Service Representative
Advantage Credit
07.2019 - 08.2019
- Processes supplement requests from the MCL inbox
- Works supplement request by taking appropriate action to verify and update tradeline which may include phoning and/or faxing creditor/vendor or conducting conference calls
- Meets or exceeds daily production quotas
- Maintains work quality and consistently receives satisfactory audits
- Emails and/or calls client when supplement is completed or additional information or documentation is required
- Continuous follow-up to complete items in working and pending boxes along with inbox through MCL
- Return client correspondence in a timely manner
- Assist clients when they call in with questions and concerns.
Loan Processor
Caliber Home Loans
01.2017 - 01.2018
- Provide support to loan officer and underwriter teams by ensuring the timely and accurate processing of mortgages
- Review and verify borrowers' income and asset documentation, credit reports and employment histories
- Order property appraisals, and review appraisal report for accuracy and any required repairs, along with ensuring delivery to the customer was within compliance thresholds
- Ensure compliance with company policies, underwriting guidelines and lending-program requirements
- Scheduling closing with title company and customer, while ensuring customer's understanding and requirements of closing process
- Recognized by sales partners and operations management for loan quality submissions and customer satisfaction.
Account Manager
Carrington Mortgage Services, LLC
10.2016 - 01.2017
- Monitor loans for assigned Account Executives (AEs) through submission to funding
- Assist brokers by answering questions with excellent customer service
- Reviews documentation submitted by brokers before submitting to Underwriting
- Follow up on approval conditions, order documents, and follow up on funding conditions
- Be knowledgeable about the loans in your pipeline
- Train new account managers on procedures and guidelines
- Train on sending out Closing Disclosures and fees
- Pull credit soft pulls, update income documents, assets and flood certs.
Education
Some College (No Degree) - Psychology Teacher Education
Collin County College
Mckinney, TXSkills
- Bilingual
- Mortgage
- Customer Service
- Microsoft Office
- Data Entry
Timeline
Lead Processor
People's Source Mortgage
03.2022 - Current
Account Manager
11 Mortgage
07.2020 - 08.2021
Customer Service Representative
Advantage Credit
07.2019 - 08.2019
Loan Processor
Caliber Home Loans
01.2017 - 01.2018
Account Manager
Carrington Mortgage Services, LLC
10.2016 - 01.2017
Some College (No Degree) - Psychology Teacher Education
Collin County College
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