Summary
Overview
Work History
Education
Skills
Training
Timeline
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Michelle Smith

New Orleans

Summary

Worked for large producer in the past 3 years consistently producing upwards of $2 million a month after helping her with business development to grow her business from $500k a month in loan production to $2 million a month in less than 1.5 years. Over 30 years of processing extensive experience with a vast variety of types of mortgages including FHA, FHA 203K, Conventional, VA, Rural Development, Jumbo loans, Self-employed borrowers, Construction, Bond, Soft Seconds, Bank statement loans, TSAHC, REI and Tribal loans 15 years of divisional management experience of team of 15 to 20 employees as well as marketing and advertising abilities to grow and support volume of success. Extensive knowledge of software including DU, LP, GUS, Investor Underwriting Systems, Encompass, Calyx, Optimal Blue, DataVerify and Loan Beam

Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment, and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.

Overview

3
3
years of professional experience

Work History

Sr. Loan Processor-Remote

CrossCountry Mortgage, LLC
09.2020 - 2022
  • Complete order outs: FHA Case # assignment, VA Case #, Certificate of Eligibility, CAIVRS, Appraisal, Appraisal Logging, Social Security Verification, USPS, Flood Certification, Title, Pre CD, Condo Approvals, Condo Docs- Limited and full review, PUD Questionnaire, Homeowner’s, and Flood insurance, Written VOE, Verbal VOE’s, The Work #, Payoffs, Subordinations, Water Tests, Pest Inspections, Bond Registration, DataVerify, tax transcripts, Loan Beam and File Contacts.
  • Review all loan related documents including appraisals, title, CPL, 24 chain of title, wire instructions, insurance coverage, income, profit and loss, assets, and credit reports. Work with loan officer before submitting loan, underwriting and quality review teams to ensure accuracy of each file from Underwriting to closing and funding.
  • Ability to communicate with borrowers of all socio-economic status/education levels
  • Excellent communication skills, sales abilities, networking, time management skills, ability to multi-task and prioritize with attention to detail, team player with a strong focus on customer service
  • Trained junior processors with order outs, input, how to prioritize loans, time Management and navigation of basis processing systems.
  • Process 30 loans from start to finish

Director of Business Development-New Orleans, LA

Dependable In-Home Care
09.2018 - 09.2019
  • Onboarded potential caregivers, CNA, RN, LPN
  • Marketed hospitals, adult assisted living and performed in services to potential referral sources
  • Assessed potential clients through income visits

Loan Officer Assistant-Metairie, LA

Envoy Mortgage LLC
06.2016 - 05.2018
  • Met with potential borrowers to qualify them and educate them on how to prepare to be a first-time homebuyer
  • Credit repair to get borrower credit ready if they cannot qualify for the present time
  • Process loans to prepare for underwriting approval
  • Cold call, marketing, and networking for potential new real estate agents
  • Prepare open house and broker tour flyers

Education

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St. Agatha School of Phlebotomy
New Orleans, LA
01.2019

Associate - Business Management, Marketing/Merchandising

Antonelli College
Cincinnati, OH
01.1995

Skills

  • Loan processing proficiency
  • Processing procedures
  • Strong attention to detail
  • Clear communication
  • Effective time management
  • Mortgage underwriting expertise
  • Team collaboration strengths
  • Fraud detection awareness
  • Adaptability to change
  • Decision-making confidence
  • Software application proficiency
  • Documentation review
  • Continuing education commitment
  • Generating reports
  • Interpersonal relationship building
  • Contract finalization
  • Loan closing
  • Financial document review
  • Information verification
  • Legal compliance
  • Quality control adherence
  • Proficient in software
  • Created reports
  • Industry networking
  • Risk assessment acumen
  • Interviews
  • Regulatory compliance
  • Appraisals
  • Application preparation
  • Finalizing contracts
  • Pipeline management Know-how
  • Advanced organizational skills
  • Processing documents
  • Verifying information
  • Loan origination system usage
  • Preparing applications
  • Completing interviews
  • Escrow coordination experience
  • Reviewing financial paperwork
  • Credit evaluation
  • Gathering appraisals
  • Title review
  • Teamwork and collaboration
  • Customer service
  • Attention to detail
  • Loan disclosures
  • Dedicated work ethic
  • Credit reports
  • Loan servicing
  • Data entry
  • Deadline management
  • Calyx point
  • Documentation
  • Document review
  • Interpersonal communication
  • Employment verification
  • Loan underwriting
  • Credit analysis
  • File management
  • Escrow account management
  • Document management
  • Application review
  • Client data gathering
  • Risk management
  • Loan origination
  • Loan submissions
  • Application process management
  • Financial data analysis
  • Policy adherence
  • Title research
  • Client coaching
  • Complex mathematics

Training

Seminar’s lunch and learns on educating realtors and potential homebuyers on programs and products, credit, and budgeting

Timeline

Sr. Loan Processor-Remote

CrossCountry Mortgage, LLC
09.2020 - 2022

Director of Business Development-New Orleans, LA

Dependable In-Home Care
09.2018 - 09.2019

Loan Officer Assistant-Metairie, LA

Envoy Mortgage LLC
06.2016 - 05.2018

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St. Agatha School of Phlebotomy

Associate - Business Management, Marketing/Merchandising

Antonelli College
Michelle Smith