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Click here or scroll down to respond to this candidate Candidate's Name
Street Address E. 34th StreetLorain, Ohio Street Address
Cell: PHONE NUMBER AVAILABLE
Email Address: EMAIL AVAILABLEMANAGEMENT PROFILE -RETAIL & COMMERCIAL BANKING/GLOBAL TRADING/MORTGAGE/FINANCES
Over 26 years of Finance an Analytical skills with a thorough understanding of retail and commercial banking and global experience.
Core Competencies: * Conventional-Purchases-Government- Home affordable refinance program-NY CEMA Transactions Small Business Acquisitions Administrations, VA & FHA & USDA Transactions & Texas Loan Transactions. Bond Loan Specialist * Securities Processing Analyst * Closing Admin* Quality Assurance * Loan-Processing* Credit Collateral Analyst * Coordinator-Team Leader
Professional Experience:
Cognizant- Remote Contract Securities Custody Processor on the Trust Investment Operations team 03/2023 -PresentWork closely with client relationship managers to administer account portfolios. Work to provide timely and accurate custody settlement and securities processing data within the Trust Accounting platform to allow for accurate security position, income posting, and corporate action event reporting. Work with senior processors and the global custodian to remediate issues that may arise with the street side settlement and record keeping of client securities transactions.key responsibilities may include: Submit Trust Account Level Trade instruction to the global custodian, Post settlement records received from the global custodian. Process and Post Income payments to trust accounts. Process and post corporate action events to trust accounts. Ensure smooth flow of information from the global custodian to trust accounting platformBank of America Fraud Prepaid Recon- Sr. Claim Analyst, Cleveland, Ohio C/o Collabera 02/2021 01/2023Investigate and decision daily incoming claims using multiple systems and tools; resolve differences; answer service requests and inquiries received from various channels. May debit or credit customer's accounts as appropriate, process charge backs or update customer regarding pending claims. Researches and resolves other general customer account inquiries as appropriate. The incumbent s primary interaction is through indirect customer functions. Typically performs back-office functions such as, service support, claims resolution, ticket ordering and judgment claims. Maintains internal operational and financial controls and ensures that they are observed for all assigned cases. Ensure that all cases are resolved in compliance with industry regulations and bank procedures, integrity levels of the department's case management system and financial controls. Works within a team environment. Associate is expected to meet or exceed department level benchmarks for productivity and quality. May provide support and training to other analysts within the department. Has thorough knowledge of the Claims Analyst function and handles more complex cases which require analytical and problem resolution skills.J.P. Morgan Chase Fraud/Merchant Disputes Specialist, Columbus, OH 05/2019 09/2020Investigating and Analyzing and Reviewing critical documentation provided.Contacting the Merchants and Clients to make sure and intelligent decision is reached for both parties.Clarify if this case meets Fraud guidelines to redirect to the correct party or validate or chargeback to customer.Noting the system for other divisions will get a clear objective of the matter at hand.
Fifth Third Bank c/o Adecco NA- Mortgage Compliance HMDA Reviewer, Cincinnati, OH 05/2017-10/2017Work directly as a liaison with Ernest & Young reviewers on this HMDA Government Project on behalf of Fifth Third.
Maintain supporting documentation worksheets and team and meeting Federal/Fifth Third guidelines procedures.
Review Non-Originated loans how they were disposition (denied, withdrawn, approved & etc.)
Review the loan notes to answer questions in the HMDA tool to determine the accuracy of the disposition.
Strong Analytical skills, detail oriented, interpersonal communication and strong verbal and written communications.
U.S. Bank c/o Randstad- Lockbox Clerk Position, Cincinnati, OH 04/2017-05/2017
Review Internal Revenue 1040 s,1040 es, 941 s Documentation. Post Checks, Money Orders & Voucher payments for money due from businesses and personal property and responsibility. Validate Tin Numbers/Social Security Numbers, Input MFT codes, and sequence codes also reviewing and rekeying payments for accuracy. Post and verify present, and past due account information for previous years for payment due to the Internal Revenue. Extraction Mail and Sorting verification and note posting payments and notification provided at time of receiving the mail documentation.
Huntington National Bank Satellite Remote Position, Crestview Hills, KY 05/2016-03/2017 Senior Loan Closer
Verifying underwriter guidelines have been meet and validated. Review trust and title agreements and validating the proper and appropriate documentation. Review 1003 Applications, Contracts, Appraisals, Title and Property Tax documentations. Credit Reports and Flood determination, make sure we have a current deck page provided into blitz system. In-put preliminary figures into the system and submit to settlement. Wait for settlement to provide updates figures for we can proceed forward. Once provided in-put this information into the Net Ox or Unify system. Make sure I m reviewing legal documentation mirroring what has been provided. Submit a CD to the loan officer for their approval. Once the CD has been approved then we send an E-Consent to client and wait for the Acknowledgement. Afterwards I can lock a date into the system. Prior to date of I send the closing package to the settlement agency. . Afterward the loan date is hard-code in the system. Then I prep the system for the wire will be set to be transfer on the date of disbursement.
Wells Fargo Bank Permanent c/o Prior Contracted Employee Remx Financial Staffing, Philadelphia, PA 10/2010- 01/2015 Bond Loan Operations Closing Specialist
Verifying stipulations have been meet verification of employment, rate lock, report, flood certification, Bank
Statements, upfront collections, taxes, & pay-stub, borrower authorization credit Noting the system regarding the per-closing
Stipulation has been completed. Clarifying with the title company making sure the closing is occurring on specific dates as requested. Clarifying LTV 80% or more taxes and insurance are to be escrow. If below 80% taxes and insurance are not required. Reviewing the title to make sure the loan or loans we are paying off are accurate, also verify the fees with the title company which we have been provided from are processing dept. Also clarifying with the recon system for we can make sure system reflect the correct figures. Utilize the LIS system to input accurate information for we can send the critical docs to the title company. Utilize the Guardrail system to be in compliance. Cutting and Disbursing checks and wire and net funding sheet and providing the funding number to the Title Company or Attorney office for they may disburse funds. Owns and perform all functions necessary to move transactions from credit approval through funding and execution of the closing documentation. Engages, coordinates and escalates as necessary with the Credit Approver or Loan Officer, Document Preparation Specialist or legal counsel any changes to the SBA Authorization to execute a timely loan closing. Monitors Risk on the closing that lead to the change to SBA Authorization prior to execution of closing. Will include execution of clear to close and assurance a complete file is prepared in accordance to Gov't regulation. Responsible for paying guaranteed fees to SBA.Gov or the state reflecting the interest accrued on the loan.
TD Bank c/o Contracted Employee Adecco Corporate Office, Cherry Hill, NJ 04/2010 - 08/2010 Credit Collateral Analyst (temporary)
Responsible for reviewing the risk rating in Shaw for Business applications scores aka the product type in Shaw to provide the correct codes in use for the specific type of loan. Check the excel spreadsheet on deals that need to be review to clarify the collateral codes are correct in the Shaw system. Check the NAICS classification to make sure that loan is register properly. Reviewing the loan application write up in the File-Net System to verify what collateral piece is being held for risk measurements. Documentation being reviewed Appraisals, UCC liens, Title documentations, Stocks and Hedge-funds also in-putting data into the work-flow system.
CITI Global Loan Service c/o Contracted Employee Star-point Solutions, New Castle, DE 03/2008-06/2009 Securities
Processing Analyst/Agent
Analyzing and researching Hedge Investors Trades utilizing the Flex-cube system. Managed 140 branch facilities utilize
Clear-par system to execute trades. Placing companies on hold due to loan maturity and administrative compliance
up-dates. Utilize Clear-par system to execute trades. Submitting contract information to clear-par when facilities come off holds due to pay-down and re-pricing occurs. Implementing the credit agreement minimum requirements and calculate the transfer fees against the global to validate the percentage.
United State Title Corp Knoxville, Tennessee 02/2004 -09/2007 Team Leader-Closing Coordinator/Trainer
Scheduling closing and contracting closer for the lenders. Researching and reviewing the title work and clearing title for the lenders. Preparing HUD Settlement statement and Quit Claim Deeds and Warranty Deeds also providing closing protection- letters and gap language needed also tax certification payoffs and fees invoices.
Contact liaison between are lenders and customer division to provide positive professional closings. Responsible for making sure the lenders and closing department HUD s are approved. Verifying making sure the APR coincides with the APR. Responsible for training new hires to conduct themselves as closing coordinators. Provide the proper skills needed to do the job properly. Team Leader able to Aide my closing coordinators in need when called upon. Top produces closing 16 to 18 million dollars' worth of loans a month.
First Tennessee Home Loan Service c/o Contracted Employee Express Personnel Service Knoxville, Tennessee 11/2003 -02/2004 -06/2003 - 11/2003 (temporary) Processor/Closer
Accountable for reviewing and pulling the desktop underwriting reports... From the TMO system & meeting guideline
Stipulations and writing up the NDC sheet. Also known As the National Decision Credit forms regarding stipulations & guidelines that need to be met prior to closing. Responsible for reviewing Data information form Conversation sheet &Ordering Title, Appraisals & Flood Certificates also Credit report from Equifax if needed. Submit to the National Decision Credit Division forms and documentation for the underwriter final approval status. Once we have reviewed all the documentation requested by the DU findings reports. Accountability for the in-putting of certified closing information in to TMO for the closing with the title company. Provide preliminary instructions for Title Company to prepare the HUD's and meet certain guidelines as well. Email Closing docs to the Title Companies to for the lender. Cut checks to the Title companies for they can disburse funds as need. Act as a liaison for lender and by handling calls in and out bound.
Express Title Services c/o Contracted Employee Robert Half Accountemps Columbus, Ohio 6/2001 - 8/2001 Quality Assurance (temporary)
Responsible for reviewing legal Mortgage forms making sure they were signed and notarized properly. Schedule closing for the brokers for clients may refinance or purchase property. Send loan packages to lenders for funds may be disbursed to clients. Documenting information that is invalid that needs to be signed by proper party. Records Management making sure file is organized in proper Chronological order.
Atlantic Closing Services c/o Contracted Employee Greystone Staffing, Charlotte, North Carolina 2/2002 - 4/2003 -10/2001 - 2/2002 (temporary) Post Closing Administrator-Quality Assurance Acting as a liaison between the closing agency the contracting the counties the vendors the lenders and the borrowers.
Responsible for reviewing the closing docs prior before we release funds to the borrowers making sure there is no errors that took place at closing. Researching any legal matter resolving any problem dealing with legal issue that was not resolved prior on title commitment. Accurately making sure everyone who supposed to be on the title reflects.
Banc One Corporation, Consumer Lending - Division, Columbus, Ohio 8/1996 - 2/2001 Closing Administrator, also acting as a backup for Sale Analyst 9/1999 -2/2001
Checked & reviewed credit information form RCO system (Retail Credit Origination Systems). Make sure closing fees are accurate and accountability for the validation and integrity of the title verification insurance documentation. Inputting critical data from closing request forms which must be merged & verifying legal data from RCO & Laser Pro to ensure accuracy. Verifying and certified legal critical documentation prior to releasing legal docs to title agency. Act on behalf of the bank as a liaison between Bank One Corporation & Title Company. Cutting checks and wires and releasing funds also balancing the debits and credit after all documentation has been received & approved.
Earlier Positions:
Support Specialist/ Collateral Specialist - Home Improvement- Bank One-Columbus, OH
03/1998-09/1999
Accountant Associate II/Document Examiner- Auto Lease Division -Bank One-Columbus, OH 08/1996- 03/1998
Tax Related Site Clerk - Tax Dept. Division -Bank One c/o Accountants on Call -Columbus, OH
02/1996-08/1996
Accountant Associate II/Document Examiner- Auto Lease Division -Bank One-Columbus, OH 08/1996- 03/1998
Tax Related Site Clerk - Tax Dept. Division -Bank One c/o Accountants on Call -Columbus, OH 02/1996-08/1996
Customer Service -CUC International Credit Service -Columbus, OH
05/1995-02/1996
Records Payee Clerk- CJCC TECHNICAL SCHOOL, AFL/CIO DEPT OF LABOR, Cleveland, Ohio 10/1991 - 3/1995
Education and Credentials
Certified Terminal Operator Receptionist Graduated GPA 3.2 Cleveland JCC Certification, 10/1991Technical-Associate Diploma - Business Administration Graduated GPA 3.5 Lawton Business School, Columbus,
OH 2/1990 Diploma High School Equivalence, Graduated GPA 3.5 Adult Education Center, Columbus, OH 2/1990
ADDITIONAL INFORMATION: Cash Distribution, Balancing, SAR, Word Pro, EnCompass, Faxing & Xeroxing, BSI Inputting, Doc-Prep Check, Prefunding & Funding, Records Management, Proofreading, Data Entry, General Ledger Processing, 10 Key Calculation, Payment Processing, Re-booking Loans, Samsung, IBM Compatiq, IDMS, C3 Production System, Wadsworth, VISA Pas, GWA Tool, Share-Point |
