Michael Helm Email & Phone Number

Wisconsin, United States

Hudson, Wisconsin, United States

Credit Card Processing, Small Business Loans, ATM machines, Ecommerce services, EMV & Applepay, iPad & Tablet POS.

Hudson, Wisconsin, United States

Providing general Construction services including general carpentry, installing light fixtures, painting, plumbing, and sheet rock.

Ellsworth, Wisconsin, United States

Providing delivery and pickup services for custom crop applications during the spring planting season, hauling spreaders, water tanks and anhydrous ammonia.

Boston, Massachusetts, United States

Timely underwriting of loan credit packages and appraisals for compliance with various investor and government agency guidelines.Contact with private investors and government agencies to resolve any issues or questions that may arise on loan files, programs, etc.Review and analyze income from both personal and corporate tax returns.Communicate decision on loans to appropriate parties both verbally and in writing.Analyze loan packages for any sign of fraudulent documentation or information.Work with Loan Originators to restructure questionable loans into a salable package.Remain informed of all government regulations, requirements and laws for both branch and broker submissions.Consult with the Processing and Closing departments to ensure that all underwriting conditions are met prior to closing the loan.Review and clear all underwriting conditions prior to closing.

Hudson, Wi

Helping business attract and retain people with employee benefits in this tight labor market.

Tampa/St. Petersburg, Florida Area

Performing Due Diligence and Compliance underwriting on legacy loans.

Remote - Work From Home

Worked from home in Hudson WI performing all underwriting functions for FHA and Conventional Purchase and Refinance programs in all 50 states. Worked both retail and wholesale/broker channels. Sapphire DAP's for FHA purchase loans. Manual Underwriting. Jumbo FHA loans. Recognized for Excellent Customer Service & Quality Audit Record.

Bloomington, Mn

Performed all underwriting functions for FHA purchase and MN HFA Bond Downpayment Assistance (DAP) purchase loans. Heavy emphasis in MN Bond programs and almost exclusively all purchase lending.

Greater Minneapolis-St. Paul Area

Initial Approval, review of all documentation, and Final Approval of all types of Conventional and FHA mortgage loans. Acquired Direct Endorsement (DE) for FHA lending in December 2012. 3F FHA Authority. 4C Conventional Authority. FHA Streamline refiances, both credit qualifying and non-credit qual. Agency Fannie & Freddie HARP loans. Performed Second Level Review of purchase declines for NDS. Demonstrated competency underwriting purchase & refinance loans. Recognized for outstanding ability to mentor Processors & Loan Officers. Numerous Customer Service and Quality Standard Awards.

Greater Minneapolis-St. Paul Area

Performed forensic underwriting & analysis of Repurchase Demands from Fannie & Freddie. Professional Letter Writing & Organization. Wrote Appeals directly to Fannie & Freddie. Successfully defended over 40 million in servicing portfolio with over 75% of appeals approved.

Woodbury, Mn

Managed all underwriting & processing functions. Pipeline and Facilities management. Reduced turn-time by 25% while setting branch records for production.