Michael Grant (Kelley)

(623)202-9139 | Kel354@yahoo.com
www.linkedin.com/in/kelgrant/

SUMMARY Analytical, dedicated professional with an acumen for avidly learning and just as quickly implementing newly attained skills. More than four years of underwriting experience with FHA/VA, HARP/HAMP and conventional refinances and modifications, coupled with a vast understanding of legal, regulatory, economic, competitive and technological environments affecting both commercial and consumer real estate lending programs. Top performer with an excellent record of high volume underwriting and loan processing. Strategic problem-solver who envisions smart solutions and executes with urgency across all levels of the organization. Exquisite coordination and organizational skills Considerable customer relations experience Team-oriented, self-motivator Superior, effective communication skills Detail-oriented, results/productiondriven Team Leadership experience mentoring less-than senior underwriters

PROFESSIONAL EXPERIENCE Wells Fargo Home Mortgage Inc. Tempe, AZ 2012-present CONSUMER LOAN UNDERWRITER III-4C Underwriting individual new loan applications and present customer refinances with differing complexities including CEMA Hi-balance loans and HASSET loans. Perform analysis, selection and pricing of institutional financial risks. Complying with Federal and State regulatory statues and investor guidelines (Freddie, Fannie, FHA/VA). Utilizing critically accurate final authority in approving or denying loan applications. Providing daily reports on loan volume facilitating mass production while maintaining book-of business quality. Achieving time deadlines and company-driven goals. Mentoring lower-level underwriters and serving as point of knowledge resource for peers and management Attaining Top-Performer awards for productivity volume; underwriting quality loans approx. 2 loans per hour, which exceeded company goals (Dec. 2012; Jan. 2013). CitiMortgage, Inc. Phoenix, AZ 2009-2012 UNDERWRITER, (SAFE) Underwrote individual modification loan applications for present customers. Worked remotely (from home) while continuing to maintain high quality and volume (2010-2012) Examined CBR reports, income documents, bank statements, broker-house statements, tax returns, appraisals, etc. to systematically determine modification eligibility. Established skills in working with modification programs such as: partial claims, supplemental modifications. Inaugurated and maintained strong client relationships by diligently working with customers to establish eligibility for a myriad of product components and vehicles. Interviewed clients and consistently delivered thorough follow-ups on all decisioning aspects.

Michael Grant (Kelley)

(623)202-9139 | Kel354@yahoo.com
www.linkedin.com/in/kelgrant/

Administered appropriate aptitudes to infuse fluidity within the team, driving deals to successful funding and closings. Performed team lead responsibilities and was go-to knowledge resource for multiple teams Selected as Employee-of-the-Month/Top Performer; 150-200 modifications done which exceeded company goals (Jan & Feb 2010). Honored as Star Player for numerous yearly periods (2010 1st 2nd 3rd Qs, 2011 1st 3rd Qs, 2012 1st, 2nd Qs). Iqor Inc. Chandler, AZ 2009-2009 SENIOR COLLECTIONS REPRESENTATIVE Prepared and completed daily scheduled tasks consisting of routes of 300-600 accounts to be called and collected on. Organized and recording daily payments of check and credit/debit card information. Accomplished target client goals for Sprint. Chase Bank Home Mortgages Tempe, AZ 2007-2009 MORTGAGE ACCOUNT COLLECTIONS REPRESENTATIVE Completed daily scheduled tasks consisting of queues containing 150-200 accounts to be called and collected on. Fielded inbound calls to cure defaulted accounts and create payment arrangements, skip traced accounts with inadequate contact information. Organized and recorded daily payments of check and credit/debit card information. Reached established monthly collection goals to attain incentives; negotiated and coordinated loan modification details with customers. Chosen to join Walks team and work stand-alone second mortgage loans. Top Performer award while on Walks team. Countrywide Home Loans Chandler, AZ 2007 MORTGAGE ACCOUNT EXECUTIVE Originated and refinanced home loans for the use of home improvement, investments, and bill consolidation. Fielded inbound and outbound calls concerning disputes, payoff demands and general inquiries. Formulated and applied loan options congruent to consumer needs and desires. Allied Interstate/IRMC Mesa/Chandler, AZ 2000-2007 PROFESSIONAL COLLECTIONS SPECIALIST Prepared and completed daily scheduled tasks consisting of routes of 300-600 accounts to be called and collected on Organized and recorded daily payments of check and credit/debit card information Personally raised collection levels and accomplished target client goals for such clients as Nextel, Sprint, Verizon and Cingular Employee of the Month-Mesa office (Apr 2002). Employee of the Month-Chandler office (July 2005). EDUCATION Atlantic Community College, Cumberland County Community College, NJ