Michelle Scharf Email & Phone Number

Plano, Texas

Dallas/Fort Worth Area

Plano, Texas

Irving, Tx

Manage a large team of processors who guide borrowers through the process of obtaining financing for homes in their new locations, while being relocated by their respective employers. Enthusiastically work directly with borrowers, realtors, relocation counselors, Client Relationship Managers, and Regional Territory Account Managers to establish relationships and trust between the company, our business partners, and borrowers in order to build and strengthen relationships with both new and… Show more Manage a large team of processors who guide borrowers through the process of obtaining financing for homes in their new locations, while being relocated by their respective employers. Enthusiastically work directly with borrowers, realtors, relocation counselors, Client Relationship Managers, and Regional Territory Account Managers to establish relationships and trust between the company, our business partners, and borrowers in order to build and strengthen relationships with both new and established corporate client base, while providing the ultimate customer experience and a smooth transition for our VIP and executive borrowers. Show less

Addison, Texas

Managed an operations unit which handled foreclosure transactions in a presale environment, utilizing LPS. Selected by management to build and lead new bidding process for the entire platform after successfully managing bid test pilot with FNMA. Involved in a variety of projects including expense management, process control, and adherence to procedures and regulatory requirements—managed all aspects of employee evaluations including hiring, performance reviews, merit increases and disciplinary… Show more Managed an operations unit which handled foreclosure transactions in a presale environment, utilizing LPS. Selected by management to build and lead new bidding process for the entire platform after successfully managing bid test pilot with FNMA. Involved in a variety of projects including expense management, process control, and adherence to procedures and regulatory requirements—managed all aspects of employee evaluations including hiring, performance reviews, merit increases and disciplinary actions. . • Oversee daily activities to ensure staff is in compliance with legal process of foreclosure and meeting required deadlines and quality standards of BAC, as well as the GSE’s, GNMA/VA and other private investors by working in partnership with our attorneys. • Develops and implements new processes/procedures to improve operating efficiency and to ensure timeliness and accuracy of workflow. Monitored daily MIS, administered team and individual training opportunities, and empowered staff to take control and succeed by utilizing learned skills and processes. • Ensures that processes and procedures are compliant with guidelines and all efforts of recovery of erroneous curtailments are handled timely. • Modifies existing procedures and analyzes and resolves non-routine and/or moderately complex operational problems often requiring research and involvement from other businesses and business partners. • Outstanding ability to coach, lead, negotiate, and persuade in a matrixed organization in order to produce positive results to senior management and mentor exceptional employees. • Responsible for the organization and start up of weekly fee approval committee calls to determine permissible over allowable fees to be charged by attorney firms. Committee consists of senior management, legal, risk, compliance and finance. Call has been highly successful and ongoing for 16 months and is estimated to save the bank $22 million per year in overcharges. • Show less

Southfield, Mi And Irving, Tx

Personally accountable for $600 million annual closings and trusted with signature authority up to $1.5 million. Selected by top management to build and lead high-profile Citibank North America and CitiGold process teams. Directed processing, closing and funding of FHA, VA and second mortgages. Supervised processors, underwriters and support staff—managed all aspects of employee evaluations including hiring, performance reviews, merit increases and disciplinary actions. • Won Quality of… Show more Personally accountable for $600 million annual closings and trusted with signature authority up to $1.5 million. Selected by top management to build and lead high-profile Citibank North America and CitiGold process teams. Directed processing, closing and funding of FHA, VA and second mortgages. Supervised processors, underwriters and support staff—managed all aspects of employee evaluations including hiring, performance reviews, merit increases and disciplinary actions. • Won Quality of Excellence Award and Champion Award for superior customer service (2001 and 2002). For example, developed and managed new loan-setup process that improved decision time by 36%. • Achieved highest customer satisfaction levels (91%) in retail loan-origination channel during 2005. Exceeded targets for loan production and base processing unit cost by 10%.• Led roll out of leading-edge technologies in 2007 and 2002: Recognized by management for exceptional support and mastery of new technologies, for example: conversion to paperless environment (2007) and upgrade of core loan processing system—with minimal interruption to customers or staff—during 2002 conversion (SourceLink to CFI ). • Improved quality-control processes that reduced risk and operational losses, for example: Called for Manager Self-Audits (MSAs) for entire channel, and reported results to audit department. Slashed quality control (QC) errors and corrected loans for salability into secondary market. • Set up company’s first mixed team of on-site and remote employees (2006). Established field headquarters in Irving, TX and managed employees in five remote locations. • Achieved zero employee attrition over seven-year period (2001-2008) by mentoring employees and creating team environment. During 2002-2007, coached nine individuals into management positions. Show less

Atlanta, Ga

Reported to Regional Operations Manager. Trusted with underwriting signature-authority to $1,500,000. Managed team of seven employees that included processors, underwriters, and Loan Consultants. Balanced pipeline loads to operations staff. Increased overall production within the group through the building of morale and teamwork.• Won Circle of Excellence award in 1999 (one of 60 chosen among 3000 employees): Consistently achieved number one ranking—based on units and dollars funded—among… Show more Reported to Regional Operations Manager. Trusted with underwriting signature-authority to $1,500,000. Managed team of seven employees that included processors, underwriters, and Loan Consultants. Balanced pipeline loads to operations staff. Increased overall production within the group through the building of morale and teamwork.• Won Circle of Excellence award in 1999 (one of 60 chosen among 3000 employees): Consistently achieved number one ranking—based on units and dollars funded—among 11 branches in Greater Atlanta area. • Underwrote and closed full pipeline of $10 million each month. Show less