Michelle Black

Develop and maintain Encompass LOS by coding custom forms, building templates and document stacking orders, and administering users and branches to improve automation and usability. Provide tiered support to loan officers, processors, closers, and underwriters to resolve AUS/IHM and system issues.

Managed Encompass configuration and compliance tasks including custom forms, templates, document stacking, and user/branch administration, and ensured licensing and training completion to maintain company access. Assisted new hires with logins and provided support to loan teams for AUS and balancing issues.

Configured and updated Encompass by adding custom forms, templates, and document stacking orders, administered users and branches, and developed LOS coding to improve automation and user experience. Fielded and resolved tickets from loan teams to address AUS and loan progression issues.

Reviewed and approved TPO candidates and managed onboarding, approvals, renewals, and deactivations for partners, warehouse providers, and VA sponsorships while maintaining reporting and master contact lists. Set up credentials in IDS, ENC, and UHMGo and coordinated compliance with NMLS and SAFE Act requirements.

Led Encompass LOS administration by coding custom forms, building templates, managing document stacking, and administering users and branches to streamline automation. Supported branch onboarding, equipment logistics, and triaged support tickets for loan teams to maintain loan flow.

Reviewed residential loan application files for completeness and compliance, prepared and submitted packages for underwriting, ordered FHA case numbers and tax transcripts, and followed up with third parties to clear conditions for closing. Prepared files for closing and coordinated required verifications.

Prepared and reviewed initial disclosures and redisclosures, cleared pricing exceptions, and resolved disclosure-related issues to ensure timely and compliant loan disclosures. Responded to disclosure inquiries and coordinated corrections as needed.

Provided operational and IT support for loan staff, assisted new hires with logins, equipment, and branch training logistics, managed Encompass access and forms, and triaged tickets to resolution. Supported loan teams to resolve system and process issues affecting loan progress.

Managed post-closing investor document delivery, coordinated corrections with branches and title companies, and shipped readied loan packages to investors to ensure investor requirements were met. Communicated with stakeholders to obtain and correct missing documents.

Earned GED from Pleasant Valley High School in Chico, California.