Michelle Driscoll
Wentzville
Summary
Loan processing professional with proven track record of streamlining loan approval processes and ensuring regulatory compliance. Known for strong team collaboration and achieving results in fast-paced environments. Expertise in documentation, customer service, and adaptability to changing needs. Experienced with managing loan processing from application to approval. Utilizes effective communication and organizational skills to coordinate with underwriters and clients. Track record of maintaining compliance and resolving issues efficiently.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Senior Loan Processor III
Midland States Bank
04.2023 - 02.2025
- Assemble and prepare local files for underwriting review by organizing communication with borrowers and loan officers to obtain documentation regarding employment, income, credit worthiness, asset, and liabilities
- Obtain all requirements for loan approval within a timely manner
- Utilize knowledge from Desktop Underwriter (DU), Loan Prospector (LP), FHA, USDA (GUS), Jumbo Investor, VA guidelines, Local Down Payment Assistance loans (IHDA), and Portfolio
- Satisfy required underwriting conditions and proper submission of approved files to closing
Senior Loan Processor III
North American Savings Bank
02.2013 - 03.2023
- Assemble and prepare local and national loan files for underwriting review by organizing communication with borrowers and loan officers to obtain documentation regarding employment, income, credit worthiness, asset, and liabilities
- Obtain all requirements for loan approval within a timely manner
- Utilize knowledge from Desktop Underwriter (DU), Loan Prospector (LP), FHA, FHA Reverse Mortgage, Jumbo Investor, VA guidelines, Bank Statement Loans, and Portfolio
- Satisfy required underwriting conditions and proper submission of approved files to closing
- Maintaining an average pipeline of upwards of 50+ files (7.5 years)
- Previous KSA’s: Reverse Mortgage Processor (1 year)
Junior Underwriter
North American Savings Bank
10.2020 - 12.2021
- Responsible for examining and ensuring accuracy of all necessary required underwriting tasks from initial loan approval through closing, in accordance with Fannie Mae, Freddie Mac, FHA or VA guidelines for investment quality and salability while employing prudent standards to minimize losses and ensure fair lending requirements
- Ability to collaborate through a team atmosphere and provide a teamwork approach to ensure timely completion of files
- Remain up to date of all Agency and investor underwriting guidelines, government regulations, requirements, and laws
- Assists Loan Officers, Processors and Closers in meeting deadlines, structuring loans, and answering general underwriting questions
Loan Processor / Closer / Servicing
James B Nutter & Company
02.2006 - 01.2013
- Assemble and prepare local and national loan files for underwriting review by organizing communication with borrowers and loan officers to obtain documentation regarding employment, income, credit worthiness, asset, and liabilities
- Additional responsibilities include ordering appraisals, title commitments, flood certificates, insurance, and payoffs; and verify all are received within a timely manner
- Utilize Desktop Underwriter (DU), Loan Prospector (LP), FHA, and VA guidelines
- Satisfy required underwriting conditions and proper submission of approved files to closing
- Previous KSA’s: Deposit management (1.5 years), bank reconciliation of accounts of FNMA to JBN (1.5 years), Reverse Mortgage Closer (2.5 years)
Education
Associates Degree - Applied Science – Visual Communication
Oklahoma State University Institute of Technology
08.2004
Skills
- Loan processing proficiency
- Processing procedures
- Strong attention to detail
- Clear communication
Certification
- NMLS license, 331354, 2009
- Anti-Money Laundering, BSA
Timeline
Senior Loan Processor III
Midland States Bank
04.2023 - 02.2025
Junior Underwriter
North American Savings Bank
10.2020 - 12.2021
Senior Loan Processor III
North American Savings Bank
02.2013 - 03.2023
Loan Processor / Closer / Servicing
James B Nutter & Company
02.2006 - 01.2013
Associates Degree - Applied Science – Visual Communication
Oklahoma State University Institute of Technology
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