MICHELLE LOETSCHER
Aurora
Summary
Lending professional with over 25 years of experience in mortgage. Proven expertise in financial analysis, pipeline management, supervision, organization, problem solving, and multi-tasking in complex environments. 100% quality control over 3 years.
Overview
25
25
years of professional experience
Work History
Consumer Underwriter
Wells Fargo Bank, NA
03.2020 - 06.2024
- Credit risk analysis
- Timely clear and consistent communication
- GSE/NON GSE applications
- Impeccable time management, organizational skills, prioritization, and multi-tasking skills with little to no supervision
- Proven results under a multitude of daily pressures to perform excellence while exercising precise accuracy throughout quality control
Mtg Processor
Wells Fargo Bank, NA
05.2017 - 03.2020
- Expert pipeline management
- Complete application document collection
- Document Analysis
- Excellent customer communication and service
- Impeccable internal and external partner communication
- Credit risk analysis
- CIP confirmation
- DU/LP
- GSE, NON GSE, GINNIE
RVS Operations Processor
Wells Fargo Bank, NA
06.2015 - 05.2017
- National portfolio pipeline
- Obtain and substantiate property valuation reports (BPO's and appraisals) to determine asset value
- Foreclosure and pre foreclosure status
- Redemption
- Court documentation analysis
- Fair Housing
- SACRA
- SFD, MF, Multi family
- Jumbo loans and high dollar assets
- Bids, trash outs, securing property, evictions, and resale
Underwriting Supervisor
Bank of America / Intellisource Agency
03.2012 - 07.2013
- Maintain 12 employees' pipeline with accuracy and expertise
- Perform credit risk analysis for mortgage applications
- Identify, coordinate, and track training/developmental opportunities
- Prioritize, delegate, achieve goals on a dependable continuum while meeting and exceeding deadlines under a multitude of pressures successfully
- Impeccable problem-solving skills
- Clear, consistent, and concise communication internally and externally
- Track, measure, and evaluate performance for individual performance
Valuations Department Supervisor
Integrated Asset Services
12.1999 - 07.2011
- Reported to Department Vice President
- National portfolio including the US, Puerto Rico, Guam, and the Virgin Islands
- Forty in house reporting employees and 16 remote employees
- Policy and procedure author, Training and performance professor
- Obtain value of mortgaged properties that are in pre-foreclosure or foreclosure and process for intricacy resale
- Mortgage law comprehension
- Redemption
- Fair Housing
- SCRA
- Single family, multi family, MF, SFA's
- Jumbo and high dollar assets
- Identify and track training/developmental schedules
- Manage and monitor daily operations to ensure accurate and timely execution
- Track, measure, and evaluate performance
- Problem solving, time management, and the ability to prioritize effectively without supervision
Education
MBA - Business Administration and Management
University of Phoenix
Denver, CO05.2023
Bachelor of Science - Business Administration and Management
Colorado Technical University
Aurora, CO04.2021
No Degree - Leadership
Advanced Leadership Program
Englewood, CO11.2020
Skills
- Time Management
- Credit Analysis
- Communication
- Pipeline Management
- Risk Analysis
- Loan underwriting
- Credit analysis
- Appraisal review
- Sales support
- Portfolio management
- Credit scoring
- Collateral evaluation
- Policy interpretation
- Data interpretation
- Loss mitigation
- Industry trends
- Bankruptcy analysis
- Income verification
- Credit risk evaluation
- Debt-to-income analysis
- Underwriting software proficiency
- Loan pricing
- Asset evaluation
- Policy evaluation
- Teamwork
- Teamwork and collaboration
- Customer service
- Problem-solving
- Time management
- Attention to detail
- Problem-solving abilities
- Multitasking
- Reliability
- Excellent communication
- Organizational skills
- Effective communication
- Verbal and written communication
- Decision-making
Timeline
Consumer Underwriter
Wells Fargo Bank, NA
03.2020 - 06.2024
Mtg Processor
Wells Fargo Bank, NA
05.2017 - 03.2020
RVS Operations Processor
Wells Fargo Bank, NA
06.2015 - 05.2017
Underwriting Supervisor
Bank of America / Intellisource Agency
03.2012 - 07.2013
Valuations Department Supervisor
Integrated Asset Services
12.1999 - 07.2011
Bachelor of Science - Business Administration and Management
Colorado Technical University
No Degree - Leadership
Advanced Leadership Program
MBA - Business Administration and Management
University of Phoenix
Similar Profiles
Frederick TulayFrederick Tulay
Commercial Banking Portfolio Associate at Wells Fargo Bank NA (Commercial Investment Bank-CIB)Commercial Banking Portfolio Associate at Wells Fargo Bank NA (Commercial Investment Bank-CIB)
GREGORY WESSONGREGORY WESSON
Systems Performance Engineer at WELLS FARGO BANK, NASystems Performance Engineer at WELLS FARGO BANK, NA
Aquilina VernonAquilina Vernon
Small Business Premier III at Wells Fargo Bank, NASmall Business Premier III at Wells Fargo Bank, NA