Michelle Hierro, Csm Email & Phone Number

• Assess risks related to the loan request, such as potential income or credit impediments, team workload, and external factors that could impact loan approval and develop strategies to mitigate or address these risks.
• Dissect complex product requirements while reviewing loan applications to supply optimal outcomes for the company and investors.
• Apply comprehensive cash flow analysis techniques to assess financial viability and risk factors in loan applications, developing a keen eye for detail and strategic decision-making.
• Support loan officers and processors by clarifying requirements and explaining underwriting decisions.
• Ensure that mortgage applications adhere to lending guidelines, policies, and procedures.

• Conducted detailed analysis of loan applications, ensuring alignment with diverse programrequirements and guidelines.
• Evaluated multiple facets including credit, assets, and income, reducing risk, and ensuring compliance.
• Offered comprehensive feedback and alternative solutions for loan applications, nurturing a clientcentric approach

• Led end-to-end operations for weddings and corporate events, successfully managing all phases from initial planning through to execution, demonstrating strong project management and organizational skills.
• Established standard operating procedures for every department according to Scrum principles while continually refining processes to ensure optimal delivery and client satisfaction.
• Facilitated meetings similar to Product Backlog Refinement, Sprint Planning, Daily Scrum, Sprint Review and Sprint Retrospective with internal team members and stakeholders for corporate events to foster collaboration.
• Ensure that the team adheres to agreed upon workload timelines and that work progresses according to the planned schedule.
• Managed event planning artifacts such as contracts, timelines, SOPs, budgets, task backlog.
• Proactively conducted cash flow analyses to forecast and manage financial resources, enabling effective risk management and decision-making.

Orlando, Florida Area

Greater New York City Area

• Strategically conceptualized, executed, and evaluated comprehensive communication campaigns tailored for CEOs, aligning messaging with corporate objectives, and leveraging stakeholder insights.
• Managed project timelines and deliverables for corporate campaigns, demonstrating adeptness in multitasking, prioritization, and ensuring project milestones.
• Led cross-functional communication strategies for corporate initiatives, orchestrating seamless collaboration among diverse teams.
• Engaged with stakeholders to ensure that corporate messaging and project goals were consistent and facilitated conversations leading to consensus.
• Measured and analyzed communication effectiveness using metrics, emphasizing a data-driven approach for continuous improvement.

Iselin, NJ

• Determine whether to approve conventional and HARP home mortgage loans
• Assess risk and consider accommodations within criteria and guidelines
• Analyze and calculate debt to income ratios
• Evaluate and analyze credit risk and title review
• Ensure efficiency, quality, and timeliness of loan approval through direct liaison with Chase loan processors and loan officers

Melbourne, Florida, United States

• Liaison directly with borrowers and strategic partners to facilitate delinquency resolution through Loss Mitigation and Loan Modification
• Managed a queue of 150-200 accounts per month throughout the modification process including underwriting