This document provides a summary of Michelle A. Petti's qualifications and experience. She has over 15 years of experience in mortgage banking and insurance, including positions at Urban Lending Solutions and Countrywide/Bank of America Home Loans where she underwrote conventional, government, and jumbo loans. She is licensed, organized, and proficient in various technical skills relevant to the mortgage industry.

1. Michelle A. Petti
Simi Valley, CA 93065
H: (805) 582-1154 C: (805) 208-1045
Sgnkick@aol.com
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Summary
 15 Years in Mortgage Banking and Insurance.
 Organizational, time management, analytical skills and attention to detail.
 Versatile, multi-tasking, initiative, team player and problem solving skills.
 Strong customer focus with excellent communication skills.
 Quickly adapt to changing environments and responsibilities.
 Registered with the Federal NMLS Database.(License #484834)
 Licensed Notary Public.
 Member of the National Association of Mortgage Underwriters (NAMU)
Employment
Urban Lending Solutions, Westlake Village, Ca March 2015-Present
Home Service Specialist II- Retail
Responsible for processing and analyzing Conventional loans within retail fulfillment approved by an Underwriter
or Automated Decisioning System. Underwrite Conventional loans within established SLA requirements while
maintaining file quality. Responsible for setting and clearing loan conditions according to investorguidelines and
established processes and procedures.
 Review and underwrite Conventional loans to ensure soundness,business value and compliance with
company, secondary market/investor standards.
 Complete processing of Conforming loans.Manage assigned pipeline of 30+ loans in a fast paced
environment.
 Review, follow up and sign off conditions meeting designated time constraints.Calculate, analyze and
verify income, assets and qualifying ratios.
 Order internal and external subordination agreements, title reports and appraisals. Resolve routine vesting
issues,child support, judgment and mechanic liens.
 Involved in communicating with department personnelon loan decisions, conditions and clarifying
documentation. Complete pipeline management of assigned loans through daily reports; proactive follow
up with all parties involved in each transaction.
 Perform due diligence on loans to ascertain and identify risk issues and potential misrepresentation.
 Perform re-verifications of all pertinent loan documentation. Manage and monitor loan production from
processing through funding.
 Work with both Mortgage Loan Officers and Borrower inquiries communicating requirements and/or
decisions.Provide guidance on all credit related support questions and policy interpretation clarification.

2. Countrywide/Bank of America Home Loans, Pasadena, Ca May 2004-June 2014
Sr. Underwriter Specialist/Home Service Specialist II – Wholesale/Retail
Responsible for processing and analyzing Multi Million Dollar loans ranging from One to Six million dollars in a
centralized corporate environment. Provide Credit and Policy support to all Wholesale branches and Centers .
Process and analyze conventionaland government loans within retail fulfillment. Underwrite Conventional loans
within established SLA requirements while maintaining file quality. Responsible for setting and clearing loan
conditions according to investorguidelines and established processes and procedures.
 Review and underwrite Conventional loans to ensure soundness,business value and compliance with
company, secondary market/investor standards. Manage assigned pipeline of 50+ loans in a fast paced
environment.
 Complete processing of Conforming, Non Conforming and VA/FHA loans.
 Review, follow up and sign off conditions meeting designated time constraints.Calculate, analyze and
verify income, assets and qualifying ratios.
 Order internal and external subordination agreements, title reports and appraisals. Resolve routine vesting
issues,child support,judgment and mechanic liens.
 Involved in communicating with department personnelon loan decisions, conditions and clarifying
documentation. Complete pipeline management of assigned loans through daily reports; proactive follow
up with all parties involved in each transaction.
 Perform due diligence on loans to ascertain and identify risk issues and potential misrepresentation.
 Perform re-verifications of all pertinent loan documentation. Manage and monitor loan production from
processing through funding.
 Work with both Mortgage Loan Officers and Borrower inquiries communicating requirements and/or
decisions.Provide guidance on all credit related support questions and policy interpretation clarification.
Organized monthly production reports for management through Excel program.
Countrywide Insurance Services, Simi Valley, CA Jan. 2000 – May 2004
Sr. Sales Support Specialist
Processed all Quality Control and Underwriting tasks required to issue New Business Homeowner and Home
Warranty Policies.
 Responsible for processing and issuing Home Owner and Home Warranty policies for agents in California,
Florida and Massachusetts branches.Managed an assigned pipeline of 100 Insurance Agents in a fast paced
environment.
 Researched and analyzed policies with premium difference and rating issues.
 Verified that all policies met proper criteria in accordance with company underwriting guidelines.
 Acted as final Quality Control reviewer prior to policy issuance.
 Organized weekly cash refund reports through Excel program to ensure that customers received proper
refund amounts within a specific time frame. Created monthly production reports for management.
Consistently identified new and revised operational ideas to improve department productivity.
 Received and cancelled all incoming cancellation requests and delinquent accounts for the Home Warranty
Unit, 500 per week goal.

3. Education
 Notary Public/Signing Agent License
Notary Learning Center
 Master Mortgage Underwriter Certificate
Mortgage University Online
 FHA Processing/Underwriting
LPU Online
 Mortgage Banking
Learning Tree University
 Sound Engineer Degree
Sound Master Recording, North Hollywood, CA
(3.63 GPA)
 High School Diploma
Royal High School, Simi Valley, CA
Technical Skills
 Proficient in Microsoft Excel / Word, Blue Print Reporting, AS400, Edge, Statusmart, Exception
Processing System, Desktop Underwriter, Clues, IPortal, FHA Connection and Outlook.
 10 key by touch,Typing 55 + wpm.
Honors and Awards
Achieved an “Exceptional Performance” rating for quality, customer relationships and teamwork from 2005 through
2014 in each quarterly Performance Evaluation.
 Received 2011-2012 Global Recognition Award for excellent internal and external customer service.
 Received 2012 - 2013 Recognition Award for zero audit findings.
 Received 2015 Recognition Award for excellent customer service.