Michele Seiger Email & Phone Number

Spokane, Washington Area

Began as an agency conventional Underwriter and quickly advanced to front-end FHA (DE), VA (SAR/LAPP), USDA, State Bond, Jumbo and Portfolio loans. Mentored and trained other underwriters on all loan types and entrusted to cover for manager with pipeline management, escalating complex scenarios and second-level reviews. Computed self-employed income from tax returns and performed “help-desk” scenario assistance to production team. Consistently surpassed production goals by 20%, while maintaining over 99% quality assurance ratings.Typical underwriting duties included evaluating residential applications for accuracy and completeness. Reviewed all credit, assets, income and collateral to ensure loan meets investor and MI guidelines, AUS findings and company policy. Set and cleared conditions and responded to any audits from QA or QC. Reviewed files for Ability to Repay (ATR), Qualified Mortgage (QM), Net Tangible Benefit, compliance and fair lending.

Spokane, Washington Area

Worked with agency conventional conforming loans. Analyzed income, debts, derogatory credit, assets for large deposits and adequate reserves. Reviewed appraisals/collateral for value and title and insurance documentation. Verified rate lock, DTI, LTV met guidelines. Set conditions at initial submission and cleared conditions for final approval. Handled post-closing requests in timely manner. Regularly met and exceeded production goals while maintaining high quality.

Spokane, Washington

Reported directly to owner and oversaw accounts payable and receivable, processed payroll, assisted with tax preparation and financial statements. Enhanced procedures for a more efficient and accurate process. Gained significant knowledge of self-employed tax returns.

Spokane, Washington

Met with clients to perform mobile signing service for mortgage closing documents. Counseled them on contents of documents, facilitated the signing and assured delivery of documents back to lender. Worked independently to ensure completion.

Assisted clients with the purchase and sale of residential real estate. Developed and maintained relationships and handled marketing and sales. Provided constant customer service, consistent communication and provided solutions to finalize transactions. Succeeded at building and sustaining a profitable business.

Yakima, Washington

Began in processing and soon was promoted and performed in multiple roles, primarily underwriting and origination. Was also the Assistant Manager, overseeing the processing and closing. Consulted with clients, underwrote many types of loans: conventional, FHA, Construction, Portfolio and Conventional. Managed compliance and implemented the incorporation of the first AUS system

Bellevue, Wa & Irvine, Ca

Early career began in Mortgage