Michael B. Email & Phone Number

Dayton, Oh, Us

Miamisburg, Ohio, United States

Remote - Ohio

Beavercreek, Oh

• Develop a marketing strategy to maximize the company’s online presence using multiple forms of social media• Coordinate and schedule public appearances to market products through personal interactions• Generate donations by promoting the company’s brand to establish trust with the public• Design and manufacture products to sell at company event to raise funds for cancer research

Beavercreek, Oh

Beavercreek, Oh

-Development of Loss Mitigation processes to meet Regulatory, State, and Investor requirments-Implementation of Loss Mitigation processes within MSP including Templates, Steps, and Status Codes for tracking-Integration with additional business units using MSP Task Tracking-Data mapping using information from prior servicer to facilitate loan acquisition-Review of Regulatory, State, and Investor requirments to insure ongiong compliance -Leveraging MSP capabilities to provide automation without the use of scripting -Relationship development with outside business partners for products and services required for Loss Mitigation activities

Wilmington, Ohio

• Communicated with Homeowners to understand the circumstances that lead to their hardship and determine the best alternative to assist them in attaining a resolution• Negotiated foreclosure alternatives with the investors to assist homeowners to avoid foreclosure sales• Interpreted investor guidelines using AllRegs to determine appropriate Loss Mitigation options• Advocated on behalf of the borrower when presenting a non-traditional modification to the investor for approval• Reviewed Hardest Hit Fund (HHF) initial records and prepared validation records to allow the State to review and approve the borrower’s application• Processed HHF payment records and provided instruction for how funds should be applied to the accounts• Tested and reported any issues for SMDU implementation• Revised FNMA and FHLMC workbook to provide greater efficiency to the Loss Mitigation Analysts• Developed VBA macros to complete the MyCity and HAMP Waterfalls within GSE Moss Mitigation Workbooks

Beavercreek, Oh

• Manage student records and forms to ensure the school is compliant with all OHSAA rules and regulations and ensure student athletes are eligible to compete• Direct a team of assistant coaches to best utilize their skills to develop student athletes and prepare them for high school athletics• Manage all team communication to ensure parents and student athletes are informed of all events and have clear expectations• Analyze and interpret data from athlete performances to adjust training schedules to achieve optimum results• Develop meet rosters based on information from prior meets to maximize the amount of points scored and minimize the number scored by all other teams.

Miamisburg, Ohio

• Reviewed Hardest Hit Fund (HHF) initial records and prepared validation records to allow the State to review and approve the borrower’s application• Processed HHF payment records and provided instruction for how funds should be applied to the accounts• Reviewed and updated the HHF procedure to include the use of automation which increased efficiency• Developed and tested MS Excel macros using Visual Basic• Decreased the time needed to process records using Excel to automatically generate spreadsheets by updating with information included on the Daily Pipeline report• Collaborated with a Business Analyst to create a pipeline report that could be generate daily and included all information to process payment records within the 48 hour service level agreement

Miamisburg, Oh

• Tested and reported any issues for a new deficiency tracking system during implementation• Reviewed communication from the Department of HUD and the Department of Veterans’ Affairs listing specific defects and logged the information into the deficiency tracking database• Determined the information needed to resolve issues cited in letters and coordinated with all parties involved in the transaction to properly document the loan file• Generated professional response letters detailing what was done to resolve the specific issues and the information attached to the letter

Miamisburg, Oh

• Negotiated modification terms with the investor to assist homeowners to retain their homes and avoid foreclosure• Interpreted guidelines from FHLMC AllRegs for use with Loss Mitigation options• Participated in telephone mediation with the foreclosure court, homeowners, and counsel for both PNC and the borrower and mediated a foreclosure alternative to help the homeowner avoid foreclosure• Advocated on behalf of the borrower when presenting a non-traditional modification to the investor for approval• Developed MS Excel workbooks to quickly generate possible options using minimal information collected during settlement conferences

Mason, Oh / Las Vegas, Nv / Columbus, Oh

• Prepared loan disclosures in compliance with Federal regulations• Processed mortgage loans by collecting all signed loan disclosures and credit documentation and updating the system of record with this information, which prepared the file for underwriting• Completed a detailed inspection of all loan information to confirm accuracy and generated closing documents• Analyzed income statements, bank statements, tax returns, appraisals and purchase contracts in order to make an approval decision based on the borrower’s credit worthiness• Reviewed and validated Automated Underwriting System decisions to ensure all documentation was compliant and the loan would be sellable to mortgage investors• Approved conventional mortgage using manual underwriting based on the credit analysis• Communicated professionally with loan officers and customers to advise of additional information needed to proceed or loan decisions

Centerville, Oh

• Prepared loan disclosures in compliance with Federal regulations• Processed mortgage loans by collecting all signed loan disclosures and credit documentation and updating the system of record with this information, which prepared the file for underwriting• Completed a detailed inspection of all loan information to confirm accuracy and generated closing documents• Analyzed income statements, bank statements, tax returns, appraisals and purchase contracts in order to make an approval decision based on the borrower’s credit worthiness• Reviewed and validated Automated Underwriting System decisions to ensure all documentation was compliant and the loan would be sellable to mortgage investors• Approved conventional mortgage using manual underwriting based on the credit analysis• Communicated professionally with loan officers and customers to advise of additional information needed to proceed or loan decisions

Miamisburg, Oh

• Prepared loan disclosures in compliance with Federal regulations• Processed mortgage loans by collecting all signed loan disclosures and credit documentation and updating the system of record with this information, which prepared the file for underwriting• Completed a detailed inspection of all loan information to confirm accuracy and generated closing documents• Analyzed income statements, bank statements, tax returns, appraisals and purchase contracts in order to make an approval decision based on the borrower’s credit worthiness• Reviewed and validated Automated Underwriting System decisions to ensure all documentation was compliant and the loan would be sellable to mortgage investors• Developed the credit review and decision making skills required to become a mortgage underwriter

Associate Of Science (A.S.), Business Administration And Management, General, 3.625

Activities and Societies: Kappa Beta Delta International Business Honor Society Phi Theta Kappa International Honor Society

Associate Of Arts (Aa), Liberal Arts And Sciences, General Studies And Humanities, 3.625

Activities and Societies: Kappa Beta Delta International Business Honor Society Phi Theta Kappa International Honor Society

Associate Of Arts And Sciences (Aas), Liberal Arts And Sciences, General Studies And Humanities, 3.625

Activities and Societies: Kappa Beta Delta International Business Honor Society Phi Theta Kappa International Honor Society