Senior Loan Officer

• Jan 2021 - Present

Senior Mortgage Loan Officer

• Aug 2018 - Jan 2021

Senior Loan Officer

• Feb 2018 - Jul 2018

Senior Mortgage Loan Officer - NMLS 900192

• Sep 2017 - Jan 2018

561 945 7082 Michael.graffeo@movement.com NMLS: 900192 11641 Kew Gardens Avenue Suite 205 Palm Beach Gardens, FL 33410 6-7-1 disclosure: While it is Movement Mortgage’s goal to provide underwriting results within six hours of receiving an application, process loans in seven days, and close in one day, extenuating circumstances may cause delays outside of this window. FL-LO40671 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by FL # MLD200 & MLD1360. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Movement Mortgage” is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company. 8024 Calvin Hall Rd, Indian Land, SC 29707. Show less

TPO Underwriter/ Help Desk Team Lead

• Jun 2016 - Sep 2017

DE Underwriter DE Underwriter

Sales Coordinator II

• Jan 2015 - May 2016

• Analyze case management data to identify market trends, opportunities and targets. • Forecast monthly and quarterly volume of mortgage loans to improve operational efficiency. • Train and coach sales team on product features, underwriting and pricing guidelines. • Manage, evaluate and communicate clients’ pipeline of volume changes for mortgage loans. • Prioritize escalated rush loans to meet clients’ expectations and improve relationships. • Analyze case management data to identify market trends, opportunities and targets. • Forecast monthly and quarterly volume of mortgage loans to improve operational efficiency. • Train and coach sales team on product features, underwriting and pricing guidelines. • Manage, evaluate and communicate clients’ pipeline of volume changes for mortgage loans. • Prioritize escalated rush loans to meet clients’ expectations and improve relationships.

Senior Mortgage Underwriter

• Sep 2012 - Dec 2013

• Achieved a 98.6% audit rating for the past 6 months. • Worked directly with wholesale brokers to ensure great service. • Demonstrated outstanding customer service to all clients and received service awards from customer recommendations. • Analyzed policies, procedures and guidelines to maximize productivity and protect the level of risk desired. • Detailed knowledge of processing, both automated and manual underwriting. • Evaluated appraisals to ensure collateral met lending guidelines. • Identified transaction components that indicate a potential for fraud and performed sufficient investigation to resolve issues. Show less

Mortgage Underwriter

• Nov 2011 - Sep 2012

• Evaluated and ensured loan documents were accurate, complete, and compliant. • Reviewed financial statements, credit reports, applicable ratios (i.e. debt ratios, loan-to-value) and other supporting documentation. • Achieved top producer on GMAC platform for two consecutive months, exceeding production goals by over 75% over a 6 month period. • Performed detailed loan analysis underwriting on Conforming and Non-Conforming Loans. • Managed Wholesale and Retail assignments. • Communicated directly with customers to obtain all pertinent information to underwrite their loans. • Worked directly with underwriters and other team members to achieve goal oriented objectives. Show less