Michaelle Hojer

Coming off a 26 year career in the mortgage industry, as a Senior Loan Processor, funding many different types of mortgage loans for brokers and lenders, as well a running my own net branch, I was looking for a change as the industry shifted. 

I then took a role as a processor and then a processing manager, which included a virtual team of 5-7 employees, online training, and daily meetings, we gathered information and documentation to complete ERC applications for submission to the IRS for funding. 

I have currently transitioned into a new role within the same company, holding the position of account executive. This role entails introducing merchant services to business owners at a discounted rate saving them money. I enjoy the process and learning as I go.  

Being very detailed oriented, I provide excellent customer service and have always had a positive feedback from former clients. 

I am a performance driven Senior Loan Processor, with more than 25 years of notable success in loan processing operations, driving profits, and maximizing company growth. Exceed expectations in cultivation of business relationships, as well as closing a high volume of loans quickly and efficiently. 

Proven leadership and team building skills, coupled with the ability to direct and train strong colleagues in managing their pipeline and exceeding team goals and expectations. Credit Computer literate with extensive software proficiency covering a wide variety of applications such as, but not limited to, Encompass, Byte, Calyx Point, Lending Pad, DU, LP, FHA Connection, Data verify, third party underwriting programs, credit reporting, MS Office, Salesforce, IRIS and marketing management. 

Harlow Payments LLC. - Account Executive- Melville, NY- February 2024 – October 2024 

*Introduced merchants to company programs, converting them into valued clients and ensuring exceptional customer service.  

*Built and maintained strong client relationships and collaborated effectively with team members.  

*Demonstrated outstanding communication skills and ability to manage tasks independently. 

Priority Concepts Inc.- Processing Manager- Melville, NY- Nov 2022- February 2024 

*Received partially completed files, determine, and identify missing documentation, and assist with any 

  collection of necessary documents to complete transactions. 

*Prepared completed files for the submission of final clearance. 

* Managed team of 6-7 processors, met daily to discuss weekly goals, reviewed spreadsheets  

   to keep the pipeline flowing, performed file reviews of their completed files for final submissions. 

AfluidFunding, Inc.- Operations Manager/ Sr. Loan Processor- Brooklyn, NY-July 2022- Oct 2022 

* Responsible with on-boarding lending institutions for Third Party Originations. 

* Processed DSCR/Business Purpose Loans according to lender guidelines. 

* Performed general office duties.  

Freedom Mortgage Corp.- Sr. Loan Processor- Melville, NY March 2020- March 2022 

* Cultivated and maintained a close relationship with all parties involved in the mortgage transaction. 

* Responsible for ensuring that all the proper loan documentation is complete, accurate, verified and 

   complies with company policy, including income, assets, credit, appraisal and title insurance; in 

   addition to verifying all information for final submission to underwriting. 

* Responsible for keeping borrower informed from the time loan is decisioned through closing. 

* Set and maintained proper expectation to all parties on the file (including loan officers, sales managers). 

* Reviewed file documentation for input into the system, and make sure all items needed are requested.  

* Ordered and coordinated loan documents, through third party vendors and clients with professionalism. 

* Responsible for using independent decision making for a smooth process. 

* Responsible for managing rate lock expiration date and anticipated closing date. 

Nationwide Mortgage Bank- Sr Loan Processor-L/O assistant-Melville, NY Oct 2019- March 2020  

* Processed a pipeline of residential mortgage loans (FHA, VA, Conventional, purchase, refinance) under 

   various programs in a quality consistent with all company policies and procedures as well as meeting all 

   regulatory requirements.  

* Responsible for the timely and compliant flow of such loans, through the process.  

* Obtained and reviewed all necessary loan documentation and submitted complete packages to 

   Underwriting for loan approval and prepared the file for scheduling with the Closing Department. 

* Communicated with loan officers, buyers, sellers, title companies, builder and agents and kept all 

   abreast of changes in policies and procedures, standards, and regulations applicable to the company and 

   their specific requirements. Monitored and ensured closing dates and company deadlines were met. 

Canyon Mortgage Corp-Loan Processor-April 2018-Oct 2019 

* Processed residential mortgage loans (FHA, VA, Conventional, purchase, refinance) under various 

   programs in a quality consistent with all company policies and procedures, as required. 

* Obtained and reviewed necessary loan documentation and submitted completed packages to 

   underwriting for loan approval. Once approved, obtained required documentation for clearance.  

* Prepared the file for submission to the Closing Department for scheduling. 

* Monitored and ensured closing dates and company deadlines were met. 

* Communicated and exchanged information with borrowers, loan officers, buyers, sellers,  

   title companies, builder and agents. 

* Create and disburse marketing material in regard to products and services available through several 

   different social media outlets. 

Recovco/Sprout Mortgage- Mortgage Processor/Sales Assistant- November 2017-April 2018  

* Client communications 

* Obtain missing documentation related to income, assets, and liabilities. 

* Ordered third party services. Verifications for employment and deposits. 

* Submitted completed files to underwriting for conditional approval. 

* Obtained documentation from clients for the clearing of all conditions. 

* Additional related duties assigned, when necessary. 

United Mortgage Corp-Mortgage Loan Processor- May 2017 - October 2017 

* Assisted a high-volume origination team maintaining an active pipeline, processing and completing 

   conventional and FHA mortgage loan files. Obtained required conditions from the borrower, and 

   monitored loans from origination through closing. 

* Verified that all loan documentation was complete, including income, credit, appraisal and title 

    insurance, preparing application for submission to underwriting, accurately verified and complied with 

    company, federal and state policy. 

* Obtained DU/LP approvals. Accurately managed multiple tasks and met crucial deadlines daily 

    necessary. 

MCS Mortgage Bankers Inc.-Mortgage Loan Processor-Remote-June 2016 - January 2017  

* Input proper loan information into the system for processing and ensured the timely and     

   accurate packaging of all loans originated by our loan originators. 

* Issued initial and interim loan disclosures to applicants in accordance with regulatory requirements for 

   various loan types. Gathered information and took each file from pre-approval to closing.  

* Able to meet crucial deadlines. 

* Reviewed and verified that all loan documentation was complete, accurately verified and complied  

   with company, federal and state policy, including income, credit, appraisal and title insurance ultimately 

   preparing application for submission to underwriting. Requested anu=y open items directly from the 

   borrower. 

* Performed any additional duties and activities assigned by management. 

Lakeview Mortgage Bankers-Mortgage Loan Processor-August 2015 - March 2016  

* Processed loans approved by an Underwriter or an automated decision system Cleared conditions and 

   issued changes to the terms on previously approved loans. Verified conditions of approval which 

   included customer income/assets documentation 

* Resolved routine title issues including, but not limited to the following: vesting issues, child support 

   liens, judgment liens, mechanic liens and undisclosed liens reconveyances; processed subordinations 

* Resolved appraisal disputes; depending on channel, coordinated closing activities 

* Maintained a high level of customer service by being proactive in communication with customers, 

   including banking center associates, realtors, etc. 

* Being the focal point of communication with customer and sales force in the closing process of the 

   loan. Scheduled closings with attorneys, and borrowers. 

Guardhill Financial-Mortgage Sales Assistant-February 2015 - July, 2015  

* Responsible for assisting the mortgage loan officer with purchase/refinance applications 

* Requested documentation from borrowers, performed credit review and analysis. 

* Responsibilities were also to determine the applicant’s credit worthiness, financial needs, and ensured 

   compliance with third party loan policies, federal and state rules, regulations and laws. 

* Prepared daily tracking reports using Microsoft Excel. Input new loans into BytePro Enterprise. 

* Compiled competitive market analysis as needed. 

* Responded to telephone calls and emails in assisting with general inquiries related to the loan process 

* Reviewed and processed paperwork submitted by loan officer. 

* Scanned and uploaded applications and supporting documentation into BytePro Enterprise. 

* Performed any other functions requested by management. 

Bank of America-Home Services Specialist II-July, 2012 - February, 2015  

* Processed loans approved by an Underwriter or an automated decision system, within designated 

   signing authority limits. 

* Cleared conditions and issued changes to the terms on previously approved loans. Verified conditions 

   of approval which included customer income/assets documentation 

* Resolved routine title issues including, but not limited to the following: vesting issues, child support 

   liens, judgment liens, mechanic liens and undisclosed liens reconveyances; processed subordinations 

* Resolved appraisal disputes; depending on channel, coordinated closing activities 

* Maintained a high level of customer service by being proactive in communication with customers, 

   including banking center associates, realtors, etc. Being the focal point of communication with 

   customer and sales force in the closing process of the loan. 

* Completed rate locks and extensions when necessary. 

* Exceeded monthly goals, closing the majority of a very active pipeline. Mentored new processing 

   associates to help walk through LOS input and procedures. 

* Scheduled closings with attorneys, and borrowers 

Education: 

Manhattan Career Institute-NY-1986

 Real Estate Institute of NY-Brooklyn-1995