Christopher L. Crabb

805-***-****

ad489h@r.postjobfree.com

PROFESSIONAL SUMMARY

A highly dedicated and knowledgeable Mortgage Servicing and Accounting Professional with an exemplary record in Foreclosures, Bankruptcies, Government Insuring and Post Closing. Possess a high understanding of lending, having served both front and back end in the Mortgage Lending Industry. I also having accounting experience through a major HOA Management Company whom managed all of Orange County and surrounding areas. Work with complete courtesy and professionalism. Can work with teams or independently, and work both in Office and Remotely.

EDUCATION

University of Phoenix Bachelors of Science Business Science & Management 2006-2009

Moorpark College Associates in Arts and Science 1996-1999

EXPERIENCE

PennyMac - Moorpark, CA. Closing Officer 01/2023-09/2023

Process heavy call volume from Brokers and Settlement Agents

Processed Assumption Loans In lieu of Closing for Wet Signed and Hybrid Loans

Audited Loans sent to Closing for all Closing Documents accuracy

Processed emails from Brokers, Processors, and Settle Agents for documentation correction.

Powerstone Property Management – Irvine, C.A. Accounts Receivable 08/2022-01/2023

Intake heavy call volume from more than 75 associations for all of Southern California.

Communities served were Master planned, Condominiums, Single Family, and Commercial and On-site.

Processed over 55 Monthly HOA Payment Reports for board of directors for up-to-date status on each account.

Received payments from Homeowners and updated their accounts accordingly using ASYST Data Group Software and Microsoft Excel.

Processed late and delinquency fees for back payments owed on delinquent accounts.

Applied and deducted late payment and renewal fees to the prospective accounts.

Prepared late, delinquency, and violation letters for homeowners more than a month delinquent on their accounts via Microsoft Word.

Relayed detailed complaints to respective manager of each association, and kept homeowner informed of managements progress or decision.

Received checks from each association matched them to their accounts before sending to bank.

Worked one on one with Homebuyers and CPA to arrange payment plans for delinquent accounts.

Inspire Home Loans – Newport Beach, CA. Government Insuring Specialist 08/2020 – 08/2022

Processed Mortgage Insurance Certificates and binders for FHA Loans, Loan Guaranty Certificates and binders for VA Loans, and Loan Note Guarantees for USDA Loans.

Processed all Final Docs associated with Post Closing in accordance with Fannie Mae, Freddie Mac and GNMA.

Documents: Final CD’s, Original Recorded Mortgages, Title Policies, and Appraisals and Affidavits.

Duties: avoid fees by satisfying Investor Document Request by deadlines in accordance with loan closing dates and Loan Programs.

PennyMac – Westlake, CA. Post-Closing Analyst 08/2015-08/2020

Managed large pipelines of streamlined refinanced FHA/VA loans from correspondents and reviewed the seller’s financials for stability.

Maintained consistent contact with correspondents for closing documents.

High knowledge of closing documents, Closing Loan Disclosures (CD), and fees associated.

Received thousands of dollars on a monthly basis for PRs and VAFF Refunds for accounting.

Created and submitted FHA and VA Case Binders.

Bank of America – Simi Valley, CA. Bankruptcy Fees & Motion for Relief 05/2010-11/2014

09/2013-11/2014

Maintained high risk portfolio accounts that involved interacting with BK Attorneys.

Experienced with Ch.07 and 13 Docket Readings.

Prepared Motion for Relief Referrals (MFR) to lift the Automatic Stay from Ch.07 and Ch.13.

Negotiated and established relationships with clients and attorneys in order to lower the rate of defaults and ensure Bank of America reclaimed their property assets.

Client Relations & Customer Service Team 05/2010-08/2013

Coordinated with internal and external clients to implement new systems for service improvement.

Primarily responsible for process improvement by locating lost Collateral Documents from nationwide custodians within established timeframes, bringing the departments defect rate down by 75%.

Assisted in eliminating errors in the Document Tracking Processes, saving both the department and company thousands of dollars overall.

Pre-Sale Foreclosure Specialist

Established, maintained, and updated files, database, records and/or other documents from attorneys.

Forwarded completed Foreclosure Files to the appropriate attorney to ensure accuracy and timeliness of Foreclosure Hearings.

Maintained Foreclosure Portfolio from other Mortgage Lenders as assigned within established policies and procedures.

Countrywide Home Loans Collateral Auditor, Jr. Underwriter, MERS Analyst 1998-2006

Audited ARM, HELOC, Conventional and Subprime Loans.

Documents Reviewed: Notes, Allonge to Note, DOT/Mortgages, Title Policies, VOE, LOE, Credit Reports, Tax Transcripts, County Recording, 1003, and all Origination File Documents.

Credit risk audits for secondary market had decreased company error rate by 75%.

SKILLS Systems Used

Analytical Thinker Encompass AS400 Effective Decision-Making Microsoft LAMP

Attention to Detail Pointe 60 WPM Organized Excel Graphs

Drawing Docs Access Charts

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