Desired Salary/Wage: $45,000.00 Annual

Michelle Michaels , Senior Loan Officer
1102 Stuart Court
San Jose, CA 64542
Home (323) 656-2232 / Mobile (323) 656-1257
Michelle.Michaels@hotmail.com

Objective:

Experienced Licensed Loan Officer and customer service leader with proven ability to integrate and coordinate multiple intricate department functions. Extremely creative problem solver, able to make quick accurate decisions from start to finish. Experienced funder, loan processor. Specializing in second mortgages. Monthly goals met thru dedication and team work . Excellent at meeting costumers needs in order to sell a loan. Great social skills and enjoy the benefits of team work.

Employment History:

Countrywide, Aliso Viejo 2005-2006
Loan Officer

• Top loan officer more than once.
• Contact the client after reviewing information (provided by the initiator) to discuss their personal needs in order to provided them with a loan that best suits them.
• Run and review credit history, income, length of employment and seasoning of home.
• Work up a loan offer that most benefit’s borrower.
• Sell the loan.
• Work with client one on one so they do not have to deal with more than one person.
• Assist borrower in locating required documents.
• Process and meet the conditions prior to funding.
• Update foresight with all information and con log everything so that others can see status.
• Order and review appraisals.
• Submit completed loan to Funding.
• Receive incoming calls from main line and input the data to create an application.

eLoan, CA. 2004-2005
Jr. Funder/ Processor

• Ensured files were shipped out in a timely fashion in order to help Investors purchase loans quicker, also helping to meet monthly goals.
• Responsible for updating point, i.e. recording when files were shipped, updating when
  borrowers check were sent along with DHL tracking # for LO to better serve our customers.
• Keep tight records of all transactions including who had a file and why in our conversation log.
• Made sure that investors conditions were met in order for them to sell the loans. Which also included additional processing.
• In charge of requesting that the Note be sent to the investor once funded and file sent.
• Keeping excel chart to track status of all loans.

Main Logistics, Salinas, CA 2001- 2003
Customer Service Supervisor

• Reduced consumer fraud, saving company over $180,000.00 through identification and close monitoring of shipping errors<
• Wrote Customer Service policies and procedures to ensure consistent superior interaction with customers .
• Lowered mispicks of tired by 30% through tracking pullers.
• Inventory Control
• Performed regular cycle counts ensuring stock requirements were correct and met.
• Lowered company loss by 20% while recharging and locating lost product.
• Updated SAP system with correct inventory.
• Tracked shipments to make sure there departure times were met allowing Exel would meet our monthly goal.
• Managed order desk, helping to keep puller on schedule.
• Increased productivity in shipping and receiving departments through efficient work which motivated other employees, helped set puling standards while testing new methods and equipment
• Set hourly quotas to be met, still hold title of fasted puller.

Mako Medical Center, Orange County, CA 1999-2000
Office Manager

• Researched market to maintain competitive pricing
• Guaranteed appointment times and quotes were kept.
• Significantly increasing customer satisfaction, helped established lasting business relationships in order have returned customers.
• Established and achieved office policies and trained new personnel.

Walmart Distribution Center, Los Angeles, CA 1997-1999
Order filler

• Created and implemented new safety procedures as a member of the safety and fire team
• By surpassing department goals raised morale among fellow workers.
• Maintained accurate order pulling, helping department to receive recognition as a team.

Longs Drugs, Orange County, CA 19951996
Assistant Manager

• Increased repeat business by responding to customers needs in a small town personal way.
• Trained and assisted all new hires in all aspects of duties i.e. performance, attendance, and company policies and expectations.
• Achieved sales goals and contributed to loss prevention awareness, the things to look for.

MAC Corp. Victorville, CA 1993-1995
Office Supervisor

• Established and maintained loyal client base with making their experience with their children or family portrait’s a enjoyable experiencing.
• Let customers make appointments after hours to continue excellent service.
• Met company sales goals every month.

Jones & Michaels, Apple Valley, CA 1992-1194
Counter Girl/Desk clerk

• Implemented daily retail operations such as balancing drawers and light book keeping
• Gave customers a “small town welcome every visit” by greeting them with names, having their Dry cleaning hanging up at pick up line ready when I saw their cars.
• Trained new employees regularly

Technical Skills:

SAP Program, Point, AS400 Program, DSI, MS Excell, Word and Foresight

Licenses:

Licensed Loan Officer in California and Oregon

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