Bio
Credentials
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Compliance Institute
ICBAApr, 2015- Apr, 2026
Experience
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TBA Credit Union
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Traverse City, MI
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Mortgage Manager
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Apr 2019 - Present
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Traverse City, MI
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West Shore Bank
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Traverse City, MI
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Mortgage Loan Officer
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Sep 2017 - Apr 2019
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Traverse City, MI
Originate Residential mortgages for the Bank -- including portfolio, construction, rural development and conventional loans.
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State Savings Bank
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Traverse City, MI
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Mortgage Loan Officer
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Feb 2017 - Sep 2017
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Traverse City, MI
Originate Residential mortgages for the Bank -- including portfolio, construction, rural development and conventional loans.State Savings Bank is proud to offer local processing and underwriting for better service.
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Risk Management Analyst
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Jan 2012 - Dec 2015
Performed both Quality Control and Compliance duties for The Bank of Northern Michigan and The Bank of Holland.Compliance: Lead contact at the Bank of Northern Michigan for its Compliance and CRA Examination with the FDIC (completed)Compliance: Documented and began preparations for the Bank of Holland’s Compliance, CRA and HMDA audit with the FDIC (suspended post-merger with Chemical Bank)Compliance: Prepared Reports and Reported to the Board of Directors of each Bank o Fair Pricing Analysis of bank loans o Ongoing compliance with the Fair Lending Act o Lending Review o Consumer Lending o Deposit ReviewCompliance: Obtained ICBA Compliance Institute certification in April 2015Quality Control: Performed internal bank quality control audits for secondary market loans. o Re-underwrote credit and collateral files o Re-verification of all necessary file documentation o Fraud analysis of sampled loan files
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Interim Underwriter
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Apr 2012 - Dec 2012
Also performed these duties from January 2015 - November 2015Voluntarily worked as a temporary mortgage underwriter to assist the Bank of Northern Michigan and the Bank of Holland during periods of large mortgage volume and employee vacancies.Underwrote Construction, Portfolio, Conventional and Rural Development mortgage loans.
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The Bank of Northern Michigan
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Traverse City, MI
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Loan Originator
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Jul 2009 - Jan 2012
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Traverse City, MI
Originated real estate mortgage transactions -- including FHA, Rural Development, Conventional, Portfolio, Construction and MSHDA loansCultivated business relationships with realtors and serviced relationships with past customer base and current bank customers.
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Honor Bank
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Traverse City, MI
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Loan Originator
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Jan 2006 - Jul 2009
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Traverse City, MI
Originated purchase and refinance real estate mortgage transactions -- including FHA, Rural Development and MSHDA loans.
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Assurafirst Financial / Homestead Mortgage
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Traverse City, MI
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Mortgage Consultant
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Nov 2003 - Jan 2006
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Traverse City, MI
Originated purchase & refinance real estate mortgage transactions - including FHA, Rural Development and MSHDA loans.
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Education
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Albion College
Bachelor of Arts (B.A.), Economics and Management -
Traverse City Senior High
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References
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