Michael B.

Experience

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  Lending Consultants Network, Inc.

  Jun 2000 - Mar 2008

  Licensed Mortgage Broker

  Managed a profitable mortgage company specializing in residential, multi-family, mixed use, construction, and home equity loans in 7 states. Formulated, implemented, and executed marketing plans which generated gross loan volume in excess of $80 million. Utilized a broad range of wholesale investors with conforming and non-conforming programs to maximize profits. Received 100% compliance from Oregon state audit for disclosures, accurate loan disbursements, ECOA, RESPA, TILA, and HOEPA regulations. Show less

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  Wells Fargo

  Mar 2008 - May 2016

  Consumer Loan Underwriter II

  Consumer Loan Underwriter II / 2015-2016. Underwrote FHA loans for HAMP and proprietary modification programs. Analyzed credit packages offering mediation options to resolve ongoing delinquency issues. Achieved 100% compliance threshold on income calculations. Consumer Loan Underwriter II / 2012-2014. Underwrote purchase and refinance transactions utilizing FNMA Desk Top Underwriter to decision Conventional, Jumbo, and Non-Conforming loan programs. Earned advanced delegated lending authority level III. Met twenty-five day closing goals with with no material findings. Collector II and III / 2008-2011. Experienced collector worked consumer and mortgage accounts to negotiate repayment plans in compliance with FDCP, MMA, and privacy policies. Awarded top producer for exceeding customer service and production standards. Performed training and development workshops to improve team communication, morale, and implement and improve work flow processes. Show less

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  STCU

  Jun 2016 - May 2018

  Mortgage Underwriter

  Underwrote on average 45 new loan files per month to portfolio, conventional and jumbo loan guidelines. Provided fluid loan decisions in a fast-paced environment to meet rate lock, closing, and service level agreement goals. Ability to decision complex credit packages analyzing; income, credit, assets, appraisal, and title reports. Mentored processors and loan officers on loan guidelines, client communications, file flow efficiencies, and document deficiencies.

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  The Law Offices of Mark A. Kirkorsky

  Feb 2019 - Oct 2020

  Debt Collector

  Perform investigative actions to locate customers and negotiate payment plans and settlement of charged-off accounts and pre-screen accounts for further legal action. Adhere to FDCPA, state, and federal laws and regulations during debtor negotiations and execute bank and wage garnishments on non-performing accounts. Exceeded production goals with in the first month of starting.

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  Homeside Financial

  Oct 2020 - Mar 2022

  Senior Loan Processor

  Duties include requesting, reviewing, and verifying all loan documents to confirm valid income, assets, liabilities, credit, collateral, and title data meet underwriting guidelines. Primary driver of loan pipeline to meet rate lock and closing deadlines. Provide fluid communication to team members, borrowers, and third-party services at all stages of the loan process.

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  Mr. Cooper

  May 2022 - Dec 2022

  Home Advisor

  Licensed mortgage loan officer in 14 states. Responsible for identifying and presenting refinance options to current clients. Provided excellent customer service to build repour with clients and built an effective sales pipeline for future sales opportunities.

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  TopBuild

  Oct 2023 - now

  ERS