Monica W. Email & Phone Number

-Analyzed borrower documentation, comparing to Government Sponsored Enterprises' (GSE) loan requirements to mitigate risk and ensured mortgage accuracy and completeness.-Submitted mortgage files and borrower information through an Automated Underwriting System (AUS) to acquire details about items that pose risk or compliance conflicts.-Used financial principles and processes to break down key elements of mortgage requirements and calculations, communicating with partnered brokers / loan… Show more -Analyzed borrower documentation, comparing to Government Sponsored Enterprises' (GSE) loan requirements to mitigate risk and ensured mortgage accuracy and completeness.-Submitted mortgage files and borrower information through an Automated Underwriting System (AUS) to acquire details about items that pose risk or compliance conflicts.-Used financial principles and processes to break down key elements of mortgage requirements and calculations, communicating with partnered brokers / loan officers.-Ability to underwrite Non-QM and Non-Agency loan products, including but not limited to bank statements, credit, income analysis, asset depletion, debt ratios, and foreign employment.-Balanced a high loan volume pipeline with optimum underwriting quality to minimize risk while maximizing profitability. -Identified data gaps and requested required documents to meet investor and/or regulatory guidelines.-Consistently exceeded the established production goal numbers with a high degree of accuracy. Show less

-Responsible for ensuring all loan documentation was complete from pre-approval to closing. Including but not limited to income, credit, appraisal, escrow, title, and insurance for underwriting approval.-Built and maintained strong, long-lasting client and partner relationships.-Handled 80+ calls daily retrieving client data, managing accounts, and followed up on conditions needed for closing.-Responded to client inquiries and resolved all problems while ensuring the delivery of… Show more -Responsible for ensuring all loan documentation was complete from pre-approval to closing. Including but not limited to income, credit, appraisal, escrow, title, and insurance for underwriting approval.-Built and maintained strong, long-lasting client and partner relationships.-Handled 80+ calls daily retrieving client data, managing accounts, and followed up on conditions needed for closing.-Responded to client inquiries and resolved all problems while ensuring the delivery of excellent customer service.-Experience working the following loan products: Conventional, FHA, VA, Streamline, Jumbo, USDA, and Schwab.-Consistently exceeded minimum production goal figures. Show less

Farmington Hills, Michigan

-Created and performed innovative instructional plans and classroom techniques to meet the learning objectives of each student through a comprehensive understanding of curriculum. -Oriented, trained, and observed staff to ensure established state and local standards are met. -Identified and developed educational training and improvement needs for staff through gathered data. -Scheduled program work, oversaw daily operations, coordinated activities for developing programs.… Show more -Created and performed innovative instructional plans and classroom techniques to meet the learning objectives of each student through a comprehensive understanding of curriculum. -Oriented, trained, and observed staff to ensure established state and local standards are met. -Identified and developed educational training and improvement needs for staff through gathered data. -Scheduled program work, oversaw daily operations, coordinated activities for developing programs. -Assisted teachers with weekly development and execution of curriculum and program activities and provided classroom coverage when needed. -Ensured licensing standards are met while assisting in the accreditation process for the center. Show less

Bloomfield Hills, Michigan

-Developed a curriculum for the program implementing the State of Michigan Standards using learning theories and instructional design models.-Observed and evaluated children’s performance through daily monitoring and monthly assessments.-Attended staff meetings and teacher training workshops in order to maintain and improve professional and instructional competence.- Adapted teaching methods and instructional materials to meet students' varying needs and interests