Kiffaney Bufford

469-***-**** acsirb@r.postjobfree.com

Skills & Professional Experience:

8yrs mortgage processing for refinances and purchase money loans, title escrow, property tax reviewing, excellent communication skills, eye for detail, ability to make decisions and meet deadlines, loan document disclosures, reading credit bureaus and title reports Experience in running files through AUS, DU, and LP. Experience with Encompass, Tmo Loan Software, Filnet and paperless environment, Microsoft outlook,blitzdoc and some excel experience. Nationstar Mortgage 2011-March 2015 Loan Processor Responsibilities include, but not limited to the following: Prepare and send all initial disclosures to borrowers. Collect, review and verify proper documentation to meet loan requirements. Reviewing and Calculating wage earners income on borrowers .Order appraisals, title work, payoffs, wvoes and case numbers. Communicate with, loan officers, underwriters, borrowers and third parties. Data integrity of borrower(s), title and appraisal information.

Enter all loan information into Encompass Loan & Tmo loan Origination System. Schedule closing and other items as needed. Communicate effectively and clearly to borrowers throughout the loan process. Bank of America Mortgage 2010- 2011 (contract) Loan Processor Cleared conditions within 24-48hrs hours of Underwriter decision. Ordered appraisal, flood and title; Report Subordination Agreements.

Corresponding back and forth with the Borrowers for income, and assets documentation and all other required documentation as needed for qualifying the borrowers for mortgages. Computing Debt to Income Ratio’s accessing the determining documentation as needed for Sr Underwriters to review. Interacting with the Sr Level Underwriters, brokers, title companies and third party vendors such as appraiser if needed. Ordering Voe, accessing paystubs calculating income running DU and approving level I reviews. Ensured compliance with applicable credit guidelines. First American Real Estate 2009 - 2010 Title Review Specialist • Responsible for establishing new escrow accounts and process escrow documents in accordance with established policies and procedures.

• Completes real estate escrow transactions by determining requirements; clearing titles; assembling, preparing, and reviewing closing documents; disbursing funds.

• Determines escrow requirements by studying and clarifying buyer, seller, and lender instructions.

• Obtains clear title by ordering title reports; resolving title defects; satisfying existing liens and encumbrances against property or principals.

• Establishes escrow account by depositing funds; maintaining records.

• Prepares transaction documents by completing forms and statements; collecting and reviewing existing documents.

• Completes calculations by prorating taxes and interest.

• Completes closing transaction documents by assembling documents; reviewing papers with parties; explaining provisions and procedures; answering questions; checking documents for completeness and accuracy; obtaining signatures.

• Completes closing by recording and filing documents; preparing and distributing final closing statements and title. • Prepares HUD by utilizing lender instructions.

• Closes escrow account by balancing and disbursing funds. Impartial Services Group 2008 - 2009 Title Loan Specialist • Responsible for calling financial institution to receive correct payoff amount on automobile for recalls with Toyota • Assured titles were pulled and replaced on correct location for quality checks, • Received request for customer files in order to facilitate customer payoffs in proficient and timely manner • Handled inquiries regarding cars and any title information Requested authorized signatures on titles and other paperwork needed to complete finality of titles.

Citi Capital 2006-2008 Loan Processor (retail, wholesale & corresponding lending) Responsible for collecting mortgage documents • Verified documents such as bank statements, paystubs, title reports. • Daily borrower/customer contact to insure all documentation requirements met. • Interaction with underwriters on review of loan documentation • Calculating Debt to income ratio’s from the credit report /paystubs /W2 • Follow-Ups with outside sources for outstanding documents • Communicating documentation requirements as required by the underwriter for loan approval • Rerun DU after receipt of loan documents prior to loan submissions • Required verification of loan documents • Reviewed files for data integrity •Provided communications between underwriting, third parties and customers to clear mortgage conditions for quick closings. Trinity Eagle Funding 2000 - 2003 Loan Processor ( Wholesale Lending ) • Assisted loan officer in loan origination and setting up loan packages • Handled all customer care issues, complaints, and inquiries in reference to their mortgage loan, collecting mortgage documents for the process of their mortgage Applications. • Interfaced with brokers, underwriters, appraisers, and title companies on closing conditions • Requested and followed-up for documents regarding the closing of loan Education: Cedar Valley College 2010-2011