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EMAIL AVAILABLE PHONE NUMBER AVAILABLE LinkedIn URL MORTGAGE LOAN SPECIALISTSeasoned and analytical Title Escrow & Mortgage professional with extensive experience of more than 24 years in managing, evaluating, and processing mortgage loans with a mission to oversee budget and mitigate risks factors within mortgage industry. Skilled in processing a mortgage loan from the process of origination to funding. Excel in comprehending, analyzing, applying, and communicating complex written legal documents. Adept at monitoring mortgage loan process and ensuring compliance with laws and secondary market practices, guidelines, and regulations. Proven track record of accurately completing research, reporting information to management within demanding time frames. Specialized underwriter, compliance reviewer, and post-closing reviewer; focused on evaluating and identifying risk-relevant issues and investigational assignments. Passionate about banking due diligencehold a high level of professional and personal integrity along with a deep sense of urgency and initiative.Mortgage Closing ExpertiseExcellent Closing SkillsDocument ManagementStakeholder EngagementClient Service & SatisfactionMortgage UnderwritingProcess ImprovementRelationship DevelopmentBusiness ManagementEffective CommunicationsProblem Solving SkillsReports PreparationTechnical Proficiencies: Microsoft Outlook, Excel, Internet Research, PS, Encompass and C-360, RPIS, RESNET, RAMQUEST, AIM+, SURECLOSE, LANDTECH, CASEWARE.PROFESSIONAL EXPERIENCEHilton Grand Vacations Hybrid/Orlando, FLTitle Resale Service Agent 10/2022 to PresentReviewed Title Searches for the States of Arizona, Colorado, Florida, Hawaii, Indiana, Missouri, Nevada, New Mexico, Tennessee, South Carolina, for Clean Title, resolved title defects, satisfied existing liens against property or principals.Prepared Deeds and other Vital paperwork to ensure the contract transitioned out smoothly with proficient accuracyCoordinate processing of payments to ensure accurate disbursement of funds to the Buyer and Seller, along with maintaining and supervising contract files/ documents to ensure accuracy of signatures and audit all documents for compliance prior to closing.Reviewed and tracked all completed documents including cancellations once the documents are returned to ensure clear title prior to recording, along with establishing escrow accounts by depositing funds while staying in sync with regulatory requirements and maintain records until the closing.Complete closing by recording and filing documents, preparing and distributing final closing statements.Review, Audit and Mail out all title policies for resales and developer sales.Responsible for coordination in contracts, adjustments, and modifications to contract documents and payments.Proficiently handled high transaction volume and delivered tasks within a tie limit in a fast-paced environment, while maintaining a low error percent marginAmerican Financial Network Remote from HomeSenior Mortgage Closer 11/2020 to 6/2022Managed and supervised 80 to 100 loans monthly on average while adhering to company procedures.Verified consistent flow of routine procedures by excellently coordinating with retail mortgage loans daily while effectively collecting loans that cleared to close in a Que hourly.Commended by management for precisely entering closing figures subject to loan program.Guaranteed fulfillment of processing based on underwriting terms for successfully processing closing package.Demonstrated extraordinary mortgage efforts, resulting in Five Branch Managers' praise to only close for Branches first month working.Played a vital role in efficiently processing, executing, validating, and assuring accuracy of all documents to attain organizational goals.Improved return of FHA, VA, and USDA documents along with overseeing complete execution of individual package.Yielded an award for slightest mistakes of all 20 closers that resulted in upholding brand value of company. Keller Mortgage Remote from HomeSenior Mortgage Closing Coordinator 1/2020 to 10/2020Ensured smooth flow of routine procedures by effectively liaising with retail mortgage loans daily while successfully receiving the loans that were cleared to close in a Que hourly.Known for accurately entering the closing figures subject to the loan program, creating the prelim TRID CD for the borrower to evaluate and sign, we collaborated with all parties for a smooth closing at the table.Successfully oversee 30 to 50 loans per month on average in compliance with company guidelines.Performed exceptionally for reviewing, implementing, and notarizing closing package after the loan closed and carried out final verifications to identify and eliminate potential discrepancies to fund the loan.Assured completeness of processing based on underwriting conditions for processing the closing package. Candidate's Name
EMAIL AVAILABLE PHONE NUMBER AVAILABLE Page 2Academy Mortgage Corporation Boca Raton, FLPost Closer 7/2018 to 7/2019Analyzed all government and non-government closed loan packages for state of Florida, South Carolina, and Georgia by demonstrating the broad scope of technical and professional expertise within the industry.Accountable for appropriate processing, execution, validation, and accuracy of all documents; ensure the correct return of FHA, VA, and USDA documents while completing each package.Steered contributions in several Florida County and city down payment assistance programs, assured returning of each program papers with each closed loan package along with the papers.Reviewed documents to ensure accurate processing fees by the county or city establishment and followed up on any missing documents for processing fees on each closed package immediately.Rendered expert services to Closers and Processors, facilitated closings and disbursements for conventional and government loans, and coordinated with all stakeholders to gather closing documentation. First Guaranty Mortgage Corporation Remote from Home Remote Mortgage Loan Closer & Operations Analyst 2/2016 to 12/2017Communicated with wholesale and retail mortgage loans constantly to streamline overall process, additionally received loans cleared to close in a Que hourly.Ensured completeness of processing based on underwriting conditions for processing the closing package.Entered closing figures subject to the loan program, prepared the prelim TRID CD for the borrower to review and sign, and coordinated with all parties involved for a smooth closing at the table.Reviewed executed and notarized closing package after loan closed; final verification of correctness of wire instructions to fund loan. Managed 30-50 loans per month on average.Florida Title & Guarantee Fort Lauderdale, FLTitle Closer / Processing Coordinator 8/2015 to 1/2016Administered lender purchase and refinance loans, ordered title, and cleared any discrepancies to close.Prepared appropriated disclosures and documents are necessary for closing.Synchronized all data to complete the HUD-1, later explained the TRID 5-page CD, which replaced the HUD-1.Gathered figures required to prepare the HUD-1 settlement statement for Fannie Mae or Freddie Mac to review and pre-sign closing package across the United States.Resolved issues and cleared closing conditions from the underwriting approval before mortgage loan closing.Maintained productivity of mortgage closings while ensuring the highest levels of accuracy in the organizations internal audit reports. Florida Foreclosure Attorney Residential Boca Raton, FL REO and Residential Closing Coordinator 11/2014 to 8/2015Received and analyzed the title and cleared any discrepancies along with and post-closing by leveraging technical knowledge and industry experience.Formulated documents, adhered to industry regulations, researched individuals for loan applications, managed vendor performance, and maintained activities.NRT REO EXPERTS LLC Fort Lauderdale, FLREO-FORECLOSURE Closing Coordinator 11/2008 to 11/2014Monitored Title and Lien Searches along with Estoppels, if property required, and communicated daily with Title companies, attorneys, and asset managers involved in each property closing, along with reporting daily to the Bank and or Mortgage Institutions.Made lending recommendations on new loan applications originated through the branch, loan by phone, and Internet channels.Oversaw applicants' loan documentation such as tax returns to ensure applicants met lending requirements.Prepared Closing Statements while coordinating with the Title Company and or Attorney and the Bank/Client made sure all figures were accurate and the Closing Statements Balanced. Maintained accurate records for my Bank, and or Mortgage Institution through process until closed and all documents passed compliance and were recorded. EDUCATIONAL BACKGROUNDAssociate of Arts in Business Management Palm Beach Junior College, West Palm Beach Florida LICENSES & CERTIFICATIONLicense: State of Florida Notary Public Certification: Mortgage Underwriting Certification (In Progress) |
