MICHELLE TURNER
Fort Worth,TX
Summary
Seven years of experience in the mortgage industry, gaining valuable transferable skills in relationship building, strategic planning and project management. Strong track record of quickly learning and adapting in new and complex situations. Eager to leverage a diverse range of talents in a new and engaging professional setting. Committed to lifelong learning and personal development.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Notary Public and Loan Signing Agent
Turner Notary Services
Remote
04.2021 - Current
- Certify and notarize financial and legal documentation related to mortgage transactions
- Review and verify loan documents received are ready for notarization
- Travel to client’s homes to explain documents being signed
- Communicate verbally and writing with various parties in the transaction
- Scan documents and drop off at FedEx quickly after the signing is complete
- Invoice vendors for payment
- Screen signers of important documents for their true identity, their willingness to sign without duress, and their awareness of the contents of the document
- Serve the public as an impartial witness in performing a variety of official fraud-deterrent acts related to the signing of important documents
Mortgage Underwriter
PNMAC
Remote
01.2022 - 05.2022
- 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.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
Mortgage Underwriter
Home Point Financial
Remote
09.2020 - 09.2021
- Promoted to underwriting for excellent understanding of investor guidelines, quality files, communication skills and ability to adapt to new situations
- 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.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Verified integrity of applicants' information to minimize fraud.
Mortgage Loan Officer
Home Point Financial
Farmers Branch, TX (On-Site)
07.2019 - 09.2020
- Worked with underwriters to fix application problems and resolve issues.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Assisted clients in selecting the correct loan product and terms to meet their needs and financial goals.
- Checked loan documents for accuracy prior to closing.
Mortgage Loan Originator
Gateway First Bank
Keller, TX (On-Site)
04.2018 - 07.2019
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Explained different types of loans pertaining to client situations.
Mortgage Loan Originator
Mr. Cooper
Irving, TX (On-Site)
09.2017 - 04.2018
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Worked with underwriters to fix application problems and resolve issues.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Explained different types of loans pertaining to client situations.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Mortgage Loan Originator
Homeward Residential
Addison, TX (On-Site)
10.2016 - 09.2017
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Account Sales Representative
Wonder Wafers Intl
North Richland Hills, TX (On-Site)
12.2013 - 07.2016
- Ordered supplies for day-to-day use around the office and for manufacturing.
- Worked within specific geographic territory to cultivate new prospects, cross-sell solutions, reach goals and close sales.
- Developed and managed positive business relationships with national retail store management and employees at assigned partner locations.
- Developed positive relationships with management, customers and peers through exceptional interpersonal skills and demonstrated integrity.
- Served customers with knowledgeable, friendly support at every stage of shopping and purchasing.
- Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
- Achieved or exceeded company-defined sales quotas.
Customer Service Coordinator
Capital One Bank
Irving, TX
08.2009 - 12.2013
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Responded to customer calls and emails to answer questions about products and services.
- Resolved concerns with products or services to help with retention and drive sales.
- Explained charges, fees, terms of sales, and service agreements to over 30 customers daily.
- Took ownership of customer issues and followed problems through to resolution.
- Trained and regularly mentored associates on performance-oriented strategies and customer service techniques.
Education
Diploma -
Haltom High School
2001
Skills
- Proficiency with Outlook and Adobe products
- Strong organizational, planning, and time management
- Attention to detail and data entry
- Advanced verbal and written communication
- Strong computer skills with advanced knowledge of Encompass, Lending Pad, DocVelocity and Salesforce
- Analyzing data or information
- Excellent customer service
- Regulatory Compliance
- Financial Analysis
Certification
- Licensed Loan Officer NMLS# 1554197 - 7years
- CNP - Certified Notary Public - 2 years
- Certified Loan Signing Agent - 2 years
Timeline
Mortgage Underwriter
PNMAC
01.2022 - 05.2022
Notary Public and Loan Signing Agent
Turner Notary Services
04.2021 - Current
Mortgage Underwriter
Home Point Financial
09.2020 - 09.2021
Mortgage Loan Officer
Home Point Financial
07.2019 - 09.2020
Mortgage Loan Originator
Gateway First Bank
04.2018 - 07.2019
Mortgage Loan Originator
Mr. Cooper
09.2017 - 04.2018
Mortgage Loan Originator
Homeward Residential
10.2016 - 09.2017
Account Sales Representative
Wonder Wafers Intl
12.2013 - 07.2016
Customer Service Coordinator
Capital One Bank
08.2009 - 12.2013
Diploma -
Haltom High School