Michelle Yuditsky Email & Phone Number

United States

• I Solely lead my team, and assist with any issues that need to be escalated, or resolved.
• I update my team on how to handle any IT issues along with troubleshooting system issues, questions, about systems that are not functioning properly and promptly. I will inform them of the time frame that is given to.
• I communicate on teams for all of my 1 on 1 & team video chats with pipeline reviews and or help or navigation through the systems, with computer knowledge, Leading and teaching to help processors get files to closing.
• I assisted with vacations or sick days for the entire team, I personally would fund 55-65 files per month on top of managing processors.
• Conventional, FHA, VA Refinance and Purchases including Hawaii
• Analyzed employment income, tax returns, pay stubs, profit and loss, rental income, retirement income, hard regulations, laws, and verified that tax, title, Insurance, credit, flood, and fraud reports are clean and.

United States

• Manage the team with any troubleshooting system wise, questions, 1 on 1 team video chats with pipelines and help or navigation instructions through the system
• Teaching to help processors get files to closing, assisting getting difficult situations resolved on files that are not getting resolution and help by solving them with in house and outsourced managements. Along with.
• Conventional, FHA,VA Refinance and Purchase (not a lot of purchases)
• Proficient with CRM/Aussie -system made especially for AmeriSave Mortgage
• Analyzed employment income, tax returns, pay stubs, profit and loss, rental income, retirement income, hard regulations, laws, and verified that tax, title, Insurance, credit, flood, and fraud reports are clean and.
• Submit file to UW work all conditions

Remote

• Licensed with National and State NMLS
• Extremely proficient with TRID Laws
• Analyze employment income, tax returns, pay stubs, profit and loss, rental income, retirement income, Hard regulations and laws, Checked to see that the tax, title and insurance, credit, flood and fraud reports all are.
• Calculate income, Analyze tax returns, To determine eligibility, calculate debt to ratios, credit issues and history and any income challenges to find the appropriate program for each borrower
• Work with all 50 states, Knowledge of state requirements and disclosure for each state
• Very proficient in reading DU/LP in order to satisfy Pre-underwriting conditions

Orange County, California Area

• Licensed with National and State NMLS
• Extremely proficient with TRID Laws
• Analyze employment income, tax returns, pay stubs, profit and loss, rental income, retirement income, Hard regulations and laws, Checked to see that the tax, title and insurance, credit, flood and fraud reports all are.
• Draw all my own docs through Docmagic.
• Calculate income, Analyze tax returns, To determine eligibility, calculate debt to ratios, credit issues and history and any income challenges to find the appropriate program for each borrower
• Work with all 50 states, Knowledge of state requirements and disclosure for each state

Irvine, CA

• Licensed with National and State NMLS
• Current on all new TRID laws.
• Knowledgeable in all current Fannie Mae & Freddie Mac products and current laws, along with streamlined and same servicer loans. Certified in VA/FHA full doc and streamlined Purchase/Refinance services, and short-sale.
• Thorough understanding of wet state requirements for compliance of docs and funding.
• Pre-underwrote all loans before submission
• Analyzed employment income, tax returns, W2, 1120, 1040, K1, pay stubs, current profit and loss statements, rental income on schedule E, and retirement income (including state law compliance verification pursuant to.

Irvine

• Analyzed employment income, tax returns, W2, 1120, 1040, K1, pay stubs, current profit and loss statements, rental income on schedule E, and retirement income (including state law compliance verification pursuant to.
• Competent in writing legally compliant final loan documents pertaining to specific state requirements with regards to finalizing purchase and refinance closing documents.
• Operated within all 50 states, gaining knowledge of state requirements and disclosures for each state.
• Well versed in all mortgage programs including, Encompass, Point.

Orange County, California Area

• Full acknowledgment and understanding of all probate rules and regulations. Note: In Reverse Mortgage, one of the most important aspects to be intimately familiar with.
• Total understanding and acknowledgement of different laws including, well conditions (separate or community), septic systems, and of paramount importance for this loan, surveys depending on septic systems, as well as.
• Verified tax, title, insurance, credit, flood and fraud reports are clean. Contacted appropriate company(ies) to obtain additional information or clearance to obtain due bills or clear title.
• Obtained information on repairs necessary to be HUD/FHA compliant and up to code

Foothill Ranch, CA

• Analyzed employment income, tax returns, W2, 1120, 1040, K1, pay stubs, current profit and loss statements, rental income on schedule E, and retirement income (including state law compliance verification pursuant to.
• Full knowledge of empower, M4 and EMC
• Draw all final loan documents to be signed with a notary for all states.
• Employed all skills as listed above.
• Gained full knowledge of automated underwriting system for FHA/VA/Conventional, using DU & LP using M3 and Empower

Costa Mesa, CA

• Hired and managed all sales, staff, and IT members
• Controlled built/maintained/advertisement’s/marketing, and SEO for 8 different dealerships websites including graphic design and creation of logos, front-end properties, and complete back-end work code writing and.
• Created and fixed all graphics and errors regarding SEO for HTML and CSS.
• Installed all computers and network structure, along with server maintenance as well as fixed any user errors, and/or system generated errors.
• Coordinated advertising and marketing including 3rd party, new business prospects, and lead generation.
• Gained proficiency in CSS and HTML, rebuilding both front and back-end website structure. Went to collage to learn this. Received a certificate in completing the program.

Irvine, California

• Managed the team for each file and assisted with any problems and customer inquiries.
• Assisted in underwriting questions and issues.
• Final approval of all loan docs, including sometimes drawing loan docs for dry states.
• Supervised all processors
• Employed all skill as listed above.

Irvine, California, United States

• Analyzed employment income, tax returns, W2, 1120, 1040, K1, pay stubs, current profit and loss statements, rental income on schedule E, and retirement income (including state law compliance verification pursuant to.
• Competent in writing legally compliant final loan documents pertaining to specific state requirements with regards to finalizing purchase and refinance closing documents.
• Operated within all 50 states, gaining knowledge of state requirements and disclosures for each state.
• Well versed in all mortgage programs used Point Calax sytem

Tustin, CA

Licensed Mlo, Real Estate, Current

National S.A.F.E and CA state licence

Aa, Computer Networking/ Marketing, 3.95

Certificate, Processing , Escrow , Underwriting, 4.0