Michael Struminger Email & Phone Number

Virginia Beach, Virginia, United States

Virginia Beach, Va

Virginia Beach, Virginia

PREFORMED FORENSIC ANALYSIS UNDER A FEDERAL MANDATE OF LOSS MITIGATION OPTIONS AND ALTERNATIVES OFFERED TO BORROWERS WHO WERE IN DEFAULT OVER A PRE-DETERMINED TIME FRAME.. RESPONSIBILITIES INCLUDED ANALYSIS OF BANK POLICIES AND PROCEDURES FOR LOAN MODIFICATION OPTIONS AND IF THE GUIDELINES WERE ADHERED TO. REVIEW OF SOLICITATIONS AND RECEIPT OF DOCUMENTS TO AND FROM THE BORROWER TO INSURE THAT THE TIME SENSITIVE NATURE OF THE REQUESTS WAS ADDRESSED. REVIEW FEES CHARGED TO THE BORROWER TO VERIFY… Show more PREFORMED FORENSIC ANALYSIS UNDER A FEDERAL MANDATE OF LOSS MITIGATION OPTIONS AND ALTERNATIVES OFFERED TO BORROWERS WHO WERE IN DEFAULT OVER A PRE-DETERMINED TIME FRAME.. RESPONSIBILITIES INCLUDED ANALYSIS OF BANK POLICIES AND PROCEDURES FOR LOAN MODIFICATION OPTIONS AND IF THE GUIDELINES WERE ADHERED TO. REVIEW OF SOLICITATIONS AND RECEIPT OF DOCUMENTS TO AND FROM THE BORROWER TO INSURE THAT THE TIME SENSITIVE NATURE OF THE REQUESTS WAS ADDRESSED. REVIEW FEES CHARGED TO THE BORROWER TO VERIFY THAT THEY WERE PERMISSIBLE. REPORT ANY POTENTIAL VIOLATIONS THROUGH PRE-DETERMINED CHANNELS TO UPPER MANAGEMENT. OTHER RESPONSIBILITIES WERE TO WORK ON SPECIAL PROJECTS SUCH AS SCRA, TRAINING OF NEW TEAM MEMBERS, BECOME MORE KNOWLEDGEABLE AS A SUBJECT MATTER EXPERT AND TO ASSIST UPPER MANAGEMENT AS REQUESTED. Show less

Virginia Bech, Virginia

CONSULTING CONTRACTOR ANALYZING AND DEVELOPING QC CONTROLS FOR MHA POST-HAMP LOAN MODIFICATIONS SURROUNDING CONSTRUCTION OF TEMPLATES TO SUPPORT THE CONSENT ORDER REVIEWS. MAINTAINED PRODUCTIVITY STANDARDS IN FILE REVIEW AND ACCURACY RATE OF 98.5% OR BETTER

San Antonio, Texas

CONSULTING CONTRACTOR ANALYZING UNDERWRITING COMPLIANCE WITH FNMA DU FOR CONFORMING & JUMBO CONVENTIONAL AND VA LOANS FOR PRE-CLOSING QUALITY ENHANCEMENT TO REDUCE BOTH SALABILITY DEFICIENCIES AND REPURCHASE RISK.

Meet sales and customer service goals for a leading home improvement retail location. Accountable for assisting customers with specific home improvement problems and insure a positive resolutions to the issue. Brief supervisors and managers on issues requiring extensive action.

Chesapeake, Va

Master of Business Administration (MBA), Business, Finance

Chesapeake, Va

WAS HIRED TO REVIEW ALL ASPECTS OF CURRENT BUSINESS PRACTICES AND TO IDENTIFY AREAS OF CASH FLOW DEFICIENCIES AND SUBMIT SUGGESTED CORRECTIVE ACTION. REVIEW SOP AND SUBMIT IMPROVEMENTS, REVIEW HR POLICIES AND PRACTICES AND SUBMIT SUGGESTIONS FOR COMPLIANCE DISCREPANCIES. I WAS TASKED TO IDENTIFY AREAS THAT MAY NOT BE IN COMPLIANCE WITH CURRENT ACCOUNTING PRACTICES, AND TO DETERMINE WHERE AND HOW TO CORRECT CASH FLOW DISCREPANCIES IN ORDER TO ACHIEVE PROFITABILITY. I SUBMITTED A BUSINESS PLAN… Show more WAS HIRED TO REVIEW ALL ASPECTS OF CURRENT BUSINESS PRACTICES AND TO IDENTIFY AREAS OF CASH FLOW DEFICIENCIES AND SUBMIT SUGGESTED CORRECTIVE ACTION. REVIEW SOP AND SUBMIT IMPROVEMENTS, REVIEW HR POLICIES AND PRACTICES AND SUBMIT SUGGESTIONS FOR COMPLIANCE DISCREPANCIES. I WAS TASKED TO IDENTIFY AREAS THAT MAY NOT BE IN COMPLIANCE WITH CURRENT ACCOUNTING PRACTICES, AND TO DETERMINE WHERE AND HOW TO CORRECT CASH FLOW DISCREPANCIES IN ORDER TO ACHIEVE PROFITABILITY. I SUBMITTED A BUSINESS PLAN WITH PROPOSED COURSES OF ACTION WITH A CURRENT, ONE YEAR AND THREE YEAR PROJECTION Show less

Meet sales and customer service goals for a leading communications provider. Accountable for conducting face-to-face meetings with customers to gain a better understanding of specific service problems and advocate swift and positive resolutions to uphold company's reputation for uncompromised customer service. Activate, test, repair, and replace customer equipment. Develop and conduct training seminars to sales staff and cross-functional teams while assisting in the operation of laptops to… Show more Meet sales and customer service goals for a leading communications provider. Accountable for conducting face-to-face meetings with customers to gain a better understanding of specific service problems and advocate swift and positive resolutions to uphold company's reputation for uncompromised customer service. Activate, test, repair, and replace customer equipment. Develop and conduct training seminars to sales staff and cross-functional teams while assisting in the operation of laptops to track the orders. Collaborate with warehouse operations to monitor / track inventory. Brief supervisors and managers on elevated issues requiring extensive action. Maintain internal / external communications via memorandums and formal correspondence. Service customer accounts requiring credit check processing. Increased sales ratios by developing a comprehensive business plan with specific sales strategies. Served as the key contact in answering internal technical questions and recommending solutions. Recognized by colleagues and superiors for working extended hours and going above and beyond the scope of responsibilities to optimize customer satisfaction levels.SUNSET MORTGAGE Show less

Led a team of 10 loan officers in achieving mortgage sales goals. Responsible for monitoring the loan lifecycle process from initial application through closing and follow-up. Collaborated with multidisciplinary teams in processing and finalizing loans within allotted time frame. Maintained constant communication with customers and resolve issues immediately. Compiled loan status, discrepancy, and corrective action reports for presentation to senior management. Improved the information… Show more Led a team of 10 loan officers in achieving mortgage sales goals. Responsible for monitoring the loan lifecycle process from initial application through closing and follow-up. Collaborated with multidisciplinary teams in processing and finalizing loans within allotted time frame. Maintained constant communication with customers and resolve issues immediately. Compiled loan status, discrepancy, and corrective action reports for presentation to senior management. Improved the information gathering and loan closing process by creating an innovative flow chart and conducting systematic staff meetings to identify market opportunities and resolve issues.Recruited, hired, and mentored a team that closed $12M in monthly loans while maintaining a work-in-progress valued at $15M.Decreased loan closing time 25% and bad loan submission 15% after implementing process improvement initiatives and streamlining procedures. Show less

Established and cultivated networks with brokers, loan officers, and members of the community to drive mortgage sales. Gathered client requirements and detailed financial information to determine creditworthiness; promoted products in line with client specifications. Designed and conducted training seminars on mortgage loan products and the entire lifecycle process. Maintained a high level of customer service by closely monitoring loans in progress, problem solving, and meeting all closing… Show more Established and cultivated networks with brokers, loan officers, and members of the community to drive mortgage sales. Gathered client requirements and detailed financial information to determine creditworthiness; promoted products in line with client specifications. Designed and conducted training seminars on mortgage loan products and the entire lifecycle process. Maintained a high level of customer service by closely monitoring loans in progress, problem solving, and meeting all closing deadlines. Show less

Accountable for prospecting new and enhancing existing customer relationships for a leading financial services company. Met quarterly production goals by assessing customers' short and long-term financial goals and providing comprehensive solutions and products offered by internal partnering companies. Processed customer transactions, ensuring accuracy and efficiency. Enhanced brand recognition via community communication strategies. Raised team motivation levels by increasing product… Show more Accountable for prospecting new and enhancing existing customer relationships for a leading financial services company. Met quarterly production goals by assessing customers' short and long-term financial goals and providing comprehensive solutions and products offered by internal partnering companies. Processed customer transactions, ensuring accuracy and efficiency. Enhanced brand recognition via community communication strategies. Raised team motivation levels by increasing product knowledge and promoting continuous training and education. PRIOR CAREER DETAILS AVAILABLE UPON REQUEST Show less

Master Of Business Administration (Mba), Business, Finance, Human Resources

Activities and Societies: Class Representative, 3.49 GPA

Bs, Business Management (Finance Major)