Cynthia

Fuller

** ******** ******

Huntington, NY

11746

(631-

***-****)

Email:

acgq77@r.postjobfree.com

Profile Summary

Experienced processor and closer with a successful career in banking.

Business development, with administrative tasks. Possess excellent

interpersonal, analytical, and organizational skills.

Excel within highly competitive environments. Full knowledge of FHA

Conventional Reverse Mortgage using Reverse Vision Encompass, DU, doc

magic as well as setting up efolders in encompass for closing. Work

experiences are with Banks, Independent Mortgage Brokers, Correspondents,

and Credit Unions.

.

Reverse Mortgage Funding

Processor November 19 2013 November 14 2014

. Knowledge of loan programs Reverse Vision, standard underwriting

guidelines and compliance.

. Use all pertinent documentation in file to ensure consistency

(approval, credit, appraisal, title)

. Knowledge of HECM FHA guidelines and documentation requirements.

. Ordered and review Credit, Title and Appraisal.

. Entered HECM Counselor Cert, date and HECM FHA into Reverse

Vision

. Review fixed rate or adjustable for re-disclosures

. Ordered FHA connection and Fraud Guard

Hartford Funding, Ronkonkoma, NY Mar

2012- June 2012

Processor

. Coordinated with buyers, sellers, title companies, attorneys, escrow

agents, surveyors and real estate agents to complete loan submissions

and set up closing date and time.

. Comprehensive knowledge of state, federal, regulatory, investor and

internal guidelines and policies in regard to mortgage loan closing

process

. Gather and review pre-funding conditions prior to sending to the

investor

. Ordered FHA case number, appraisal login checked appraisal and title.

. Email disclosures according to state regulations

. Verified 4506t thru IRS verification

Bethpage Federal Credit Union, Bethpage, NY Aug

2010 - Nov 2011

Processor (Specialist)

. Reviewed all mortgage conditions and appraisals that arrived with the

intention of clearing loans to close within a period set forth by the

Underwriting Supervisor.

. Call all applicants to follow up on missing conditions and/or advise

of loan clearance.

. Calculating aggregate escrow as well as prepares appropriate

disclosures and documents necessary for closing.

. Monitor pipeline for outstanding conditions.

. Verify accuracy and consistency of specifications on documents, such

as title abstract and insurance forms.

. Responsible for assisting with post-closing communication on closing

as well as corrects mistakes made on documentation by the title

company at the time of closing

. Confirm bank and title fees are correct on HUD

. Review title for liens and outstanding taxes.

. Create closing package and ensure that the fees are within and meet

lenders compliance.

. Work with Title companies to ensure adherence to bank mortgage

policies and procedures and handle post-closing problems

Aerotek

JP Morgan Chase)

Dec 2009 - July 2010

Processor FHA /Conventional

Submit for Automatic (Decision)/Underwriting approval.

Review & collect underwriter conditions and submit conditions for

underwriting approval.

. Prepare commitment

. Prepare closing instructions and review required loan

documentation and HUD-1 for accuracy.

. Review loan system and documentation in file returning to

underwriting, if applicable.

. Close out loan on system.

. Review and respond to exception reports, internal and external

audits, as required.

. Maintain awareness of all legal regulations relating to

processing and closing.

Aerotek

Bank of America

Jan 2009- Nov 2009

Processor FHA/Conventional

. Process, close and fund mortgage loans according to established

timelines, Standard Process Flow, regulations and procedures.

. Validate Automated Underwriting System and decision loan if

designation authority applies.

. Review title requirements, exceptions, and other information obtained

for accuracy, completeness, and conformance.

. Set up file, review documentation in loan system or enter the data

into the loan system.

. Ensure file meets minimum documentation/product guidelines.

. Review credit, disclosures, order title, MI and appraisal, if

applicable.

. Complete required checklists/worksheets.

. Obtain additional documentation needed from all sources.

Refinance.Com Sep 2006- Dec

2008

Commercial and Residential Compliance

Closer

. Responsibilities of a Quality Control Representative for Third Party

QC Providers

. Review GFE, TIL RESPA MDIA, Fair Lending & Compliance

. Preventing, Detecting and Resolving Fraud

. Negotiate the best terms, fees, and conditions from various lenders.

. Submit preliminary environmental reports, area maps, title reports,

property appraisals, and lease summaries.

Aegis Funding, Melville, NY

Closer/Funder May 04-

Aug 06

. Schedule loan closing and compiles and types closing documents.

. Review approved mortgage loan to determine conditions that must be

met prior to closing, such as purchase of private mortgage insurance.

. Contact borrowers, real estate brokers, and Title Companies to

request specified documents, such as receipt for payment of

outstanding tax bill.

. Calls borrower, broker, and other specified individuals to arrange

time and date for closing.

New Century, Melville, NY

July 01 May 04

Closer

. Responsible for entering loan information into the processing.

. Review loan conditions to ensure the loan is ready to close.

. Contact the client and Title Company to coordinate the closing Time.

. Perform cash to close call and set closing expectations.

. Confirm that the funds have been disbursed timely

Education

Suny Old Westbury College

Certifications Cisco B.O.C.E. May 2013

Contact this candidate