Miya F. Johnson
Chicago,IL
Summary
Results-oriented individual with a passion for continuous learning and innovation. Known for leveraging analytical thinking and creativity to solve problems and deliver high-impact solutions in fast-paced environments.
Overview
8
8
years of professional experience
Work History
Mortgage Operations
Perry Johnson Mortgage Company
Troy, USA
08.2024 - 04.2025
- Duties related to assuming responsibilities for processing, document review, and QM underwriting of residential mortgage loans.
- Maintained regular contact with both external and internal clients to ensure workflow deadlines are met.
- Other responsibilities include 'scrubbing' the file, verifying loan documents, including:W-2 income, IRS tax returns, self-employed borrower income, assets, credit reports, appraisals, homeowner's insurance, title insurance, etc., to ensure the information is thorough and complies with underwriter and program details.
Team Lead Processor & Corporate Trainer
United Mortgage Lending
Southfield, USA
12.2021 - 11.2022
- Directed team of loan processors and officers, delegating tasks for necessary service orders.
- Converted all manual documentation to the Salesforce platform for efficiency, and trained both offices to utilize the system.
- Implemented strategic plans to enhance team performance and productivity.
- Facilitated team meetings to discuss targets, strategies, and address any issues.
Conventional Underwriter 2
United Wholesale Mortgage
Pontiac, USA
01.2021 - 09.2021
- Analyzed loan documents for eligibility for conventional loans in a call center environment.
- Determined the creditworthiness and risks of the loans per Fannie Mae and Freddie Mac guidelines for funding.
- Built optimum financial packages based on market conditions and clients' capital needs.
- Communicated with the underwriting staff regarding complex cases requiring additional review or clarification.
Legal Document Reviewer-Temporary Contractor
N1 & KLDiscovery
Troy & Novi, USA
07.2019 - 12.2019
- Analyzed legal documents for discovery in compliance with directives from the State of Michigan and legal counsel.
- Reviewed confidential and sensitive information pertaining to government departments, officials, department leaders, city officials, etc., for the case building of the Flint Water Crisis.
- Provided current and useful information in support of business decision-making by gathering process and operational information, organizing points, and analyzing trends.
- Kept electronic content legal, secure, and accessible for relevant internal and external parties, and attended meetings with attorneys regarding any potential implications arising from document reviews.
Signing Agent Services & Title Associate
Amrock (Subsidiary of Rocket Mortgage)
Detroit, USA
11.2016 - 10.2018
- Facilitated communication between notaries and borrowers to finalize home closings in a call center setting.
- Optimized notary fee agreements to facilitate closings.
- Collaborated with every internal team to update loan amounts, reviewed checks, wiring instructions, disbursements, and updated title commitments.
- Verified the borrower's identity and ensured they understood the documents they were signing.
Education
Associate of Arts - Business Administration And Management
Oakland Community College
Auburn Hills, MI04-2025
NMLS and MLO registered -
NMLS
08.2020
Skills
- Customer service and call center
- Client proprietary information management
- Risk assessment, Financial and credit analysis
- Mortgage processing and Loan documentation
- Salesforce
- Training and Active listening
- Regulatory compliance
- Team leadership
Employment Gaps
- 10/01/18, 07/31/19, Actively seeking employment and attending WCCC in Detroit, MI
- 12/01/19, 12/31/20, Unemployed- COVID pandemic
- 11/01/22, 08/01/24, Started attending OCC in the fall of 2023 and worked at an unrelated temporary position until May 2024, then spent the summer unemployed and actively seeking employment until Aug 2024.
Timeline
Mortgage Operations
Perry Johnson Mortgage Company
08.2024 - 04.2025
Team Lead Processor & Corporate Trainer
United Mortgage Lending
12.2021 - 11.2022
Conventional Underwriter 2
United Wholesale Mortgage
01.2021 - 09.2021
Legal Document Reviewer-Temporary Contractor
N1 & KLDiscovery
07.2019 - 12.2019
Signing Agent Services & Title Associate
Amrock (Subsidiary of Rocket Mortgage)
11.2016 - 10.2018
Associate of Arts - Business Administration And Management
Oakland Community College
NMLS and MLO registered -
NMLS