Ms. Leigh is currently the SVP of Internal Controls, Regulatory and Exam Management at Union Bank. Ms. Leigh has over 20 years of expertise in the Mortgage and Consumer Banking Industry, with particular emphasis in Risk Management and the related fields such as: Regulatory Compliance, Operational Risk Management, Loan Servicing, Default Management, Fraud Investigation, Quality Control and Government Risk. Ms. Leigh is equally versed in FHA & VA Lending, Loan Underwriting, and Staff Management.
Ms. Leigh’s experience includes having worked with numerous leading companies within the Mortgage Industry, National Banks, Wall Street Firms, and Regulatory Business Entities.
In addition to having her FHA Direct Endorsement and V.A. LAAP designations, Ms. Leigh has held one of the highest past track records of success recorded in the mortgage industry for recovery on the complex issue of HUD/FHA Loss Mitigation, in accordance with the HUD statistics.
Ms. Leigh earned her Bachelor of Science Degree in Business Administration and Entrepreneurial Studies from the California State University of Northridge. Michelle is also a graduate of the Mortgage Bankers Association, School of Mortgage Banking, Certified Fraud Examiner “CFE”, and Certified Regulatory Compliance Manager from the American Bankers Association. Michelle also holds various licensing and certifications for other areas of the mortgage banking industry in Internal Audit, Escrow, Real Estate Sales.
Ms. Leigh has been a frequent public speaker/trainer at mortgage lending conferences such as Mortgage Bankers Association, Home Improvement Lenders Association, National Reverse Mortgage Lenders Association, National Mortgage News, American Conference Institute, Fannie Mae, Freddie Mac, U.S. Department of HUD/HOC’s and in-house for many mortgage lending shops across the country. The workshops relate to all areas of Operational Risk, Regulatory Compliance, Government Lending and Servicing, Fraud Handling, and Quality Control.
Ms. Leigh has co-authored the only HUD-endorsed FHA Claims Manual for FHA Loss Mitigation sold and has been responsible for updating many of the industries teaching manuals with current information on a national level. In addition, Ms. Leigh has written several published articles for various lenders, their correspondents and business partners.