MICHELLE M. FERGUSON
Brookhaven,PA
Summary
Customer Service oriented professional with 15+ years’ experience with mortgages, analyzing information, fraud detection, and documentation with accuracy. Strong attention to detail, with the ability to handle confidential and financial information easily. Accomplished team player who can complete projects with tight deadlines and with minimal supervision or assistance. Efficient and versatile multi-tasker who can prioritize initiatives and handle a high-volume of work in fast paced environments. Easily grasps new concepts, adept at underwriting guidelines, and adhering to compliance standards. Proficient use of Microsoft Word, Outlook, industry specific software, and various virtual meeting platforms.
Overview
9
9
years of professional experience
Work History
Underwriter
Geneva Financial Services
04.2022 - 01.2023
- Underwrite Conventional & FHA purchase & refinance loans
- Process rush requests in a timely manner to ensure meeting closing & lock deadlines
- Manage queues to meet 24 hours turnaround time set by management
- Proficient in analyzing income & asset documentation to ensure it meets program guidelines
- Awarded “Top Underwriter”, November 2022 for volume, communication and customer service
Jr Underwriter
Sierra Pacific Mortgage
08.2020 - 04.2022
- Assisted SR underwriter with Conventional & FHA loans
- Handled Conventional & FHA loans after conditional approval through closing
- Processed rush files for final condition review for a clear to close
- Diligently managed daily pipeline queues with a work to zero mentality
- Provided excellent customer service to all parties of the transaction
Processing Team Leader
GMH Mortgage Services, LLC
08.2017 - 12.2019
- Managed a pipeline of over 125 Conventional, FHA, PHFA, VA, 203K and Jumbo loans while handling a small pipeline of my own while acting as a liaison between sales and operations
- Reviewed and tracked numerous excel reports daily to ensure compliance with RESPA guidelines
- Reviewed multiple reports to ensure closing and commitment dates were met and exceeded
- Lead a team which included 2 top producers in the company for volume and units
- Provided excellent customer service to all parties of the transaction
Senior Processor
Homebridge Financial Services, Inc. Formerly Prospect Mortgage
01.2015 - 01.2017
- Processed mortgage applications specializing in VA loans assisting a Homes For Heroes program
- Maintained an additional pipeline of FHA, Conventional, Jumbo, PHFA, USDA loans
- Evaluated and verified borrower income, assets, credit and other financial metrics for loan processing
- Awarded the “Star Award” for excellence in customer service
Senior Processor/Loan Officer Assistant
Primary Residential Mortgage
06.2014 - 01.2015
- Increased production by 30% by assisting the loan officer with marketing
- Assisted Loan Officer with managing leads, pre-qualifications, credit analysis and all aspects of generating business
- Maintained a pipeline of FHA, VA, USDA, Jumbo and Conventional loans to ensure all deadlines and contract dates were met and effectively communicated with the originator and borrowers
Senior Processor/Loan Officer Assistant
Guaranteed Rate Mortgage
06.2013 - 09.2014
- Assisted sales with disclosing initial mortgage application via Doc-Sign in compliance with RESPA requirements
- Assisted sales with managing leads, pre-qualifications, credit analysis, marketing and all aspects of generating business
- Maintained a pipeline of FHA, Jumbo and Conventional loans to ensure all deadlines and contract dates were met and effectively communicated with the originators and borrowers
- Awarded the “Excellent Customer Service” award multiple times from the results of the company survey
Education
High School Diploma -
Ridley High School
Folsom, PASkills
- Data Analysis
- Time Management
- Quality Assurance
- Data Collection
- Loan Approval and Denial
- Automated Underwriting Systems
- Underwriting Calculations
- Underwriting Understanding
- Application Reviews
- Desktop Underwriter
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Underwriter
Geneva Financial Services
04.2022 - 01.2023
Jr Underwriter
Sierra Pacific Mortgage
08.2020 - 04.2022
Processing Team Leader
GMH Mortgage Services, LLC
08.2017 - 12.2019
Senior Processor
Homebridge Financial Services, Inc. Formerly Prospect Mortgage
01.2015 - 01.2017
Senior Processor/Loan Officer Assistant
Primary Residential Mortgage
06.2014 - 01.2015
Senior Processor/Loan Officer Assistant
Guaranteed Rate Mortgage
06.2013 - 09.2014
High School Diploma -
Ridley High School
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