Michelle Singer
Hendersonville,North Carolina
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with all types of customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
11
11
years of professional experience
Work History
Mortgage Underwriter
Lennar Mortgage
2020.10 - Current
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
Senior Loan Processor
Lennar Mortgage
2015.12 - 2020.10
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
Mortgage Loan Processor Assistant
Lennar Mortgage
2012.07 - 2015.12
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared file for final clear-to-close by branch management.
- Reviewed and validated details of loan applications and closing documentation.
- Updated account information to maintain customer records.
- Scheduled office meetings and client appointments for staff teams.
- Received and sorted incoming mail and packages to record, dispatch, or distribute to correct recipient.
- Created and maintained databases to track and record customer data.
- Managed filing system, entered data and completed other clerical tasks.
- Assisted coworkers and staff members with special tasks on daily basis.
Education
Associate of Arts - General
Maricopa Community Colleges - Mesa Community College
Mesa, AZHigh School Diploma -
Mountain View High School
Mesa, AZ08.1986
Skills
- FNMA Guidelines
- Application Analysis
- Residential Loans
- Residential Mortgage Lending Regulations
- Asset Statements
- Debt-to-Income Ratios
- LTV Calculations
- Analytical Thinking
- Underwriting Guidelines
- Income Verification
- Documentation Review
- Credit Analysis
- Organizational Skills
- Adaptability
- Creditworthiness Determination
- Income Evaluation
Timeline
Mortgage Underwriter
Lennar Mortgage
2020.10 - Current
Senior Loan Processor
Lennar Mortgage
2015.12 - 2020.10
Mortgage Loan Processor Assistant
Lennar Mortgage
2012.07 - 2015.12
Associate of Arts - General
Maricopa Community Colleges - Mesa Community College
High School Diploma -
Mountain View High School
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