Mortgage Processor, document Specialist, Funder

MICHELLE GERVAIS

Garden Grove, CA United States 714-***-**** ad5q4n@r.postjobfree.com WWW: https://www.linkedin.com/in/michelle gervais ab1a9589

SUMMARY

Detail-oriented and results-driven mortgage professional with over a decade of experience in various roles within the industry. Demonstrated expertise in Doc Drawing, Funding, and Closing Specialist functions, consistently ensuring accuracy, compliance, and optimal customer service. Proficient in utilizing Calyx Point, DocMagic, and other industry-specific software to streamline processes and facilitate efficient workflow. Proven track record of effectively managing closing documentation, coordinating with escrow and title, and securing funding for loans. Skilled in resolving investor suspense conditions promptly and efficiently to facilitate loan purchases. Adept at supervising teams and collaborating cross-functionally to meet deadlines and maintain compliance standards. Strong communication skills with a passion for delivering exceptional service while maintaining a friendly and enthusiastic approach to work.

SKILLS

• Multitasking

• Attention to detail

• Organization skills

• Funder

• Post closing

• Doc magic

• Loan

• Mortgage lending

• Mortgage banking

• Refinance

• Banking

• Construction loans

• Encompass and Calyx point

• MERS

• Fannie MAE

• Freddie Mac

• Mortgage insurance.

• VA

EXPERIENCE

FUNDER/POST-CLOSING SPECIALIST 04/2019 to 07/2023

Optimum First Mortgage Fountain Valley, CA., United State

• Reviewed Loan Estimates (LEs) and Closing Disclosures (CDs) for accuracy and compliance, issuing initial CDs using Calyx Point or DocMagic software.

• Examined Preliminary Title reports, Purchase Contracts, and Appraisals to prepare final closing loan documents via DocMagic.

• Ensured accuracy of all final signed closing documents, collaborating directly with escrow and title companies to facilitate loan funding processes.

• Managed submission of closing packages to Investors, resolving all suspense conditions for purchase.

• Facilitated final CDs, MERS registrations, tolerance cures as necessary, and coordinated the shipment of collateral documentation.

CLOSING SPECIALIST 01/2017 to 11/2018

ARBOR Financial Group Santa Ana, CA., United State

• Reviewed Loan Estimates (LEs) and Closing Disclosure (CDs) for accuracy and compliance, issuing initial CDs using Calyx Point or DocMagic.

• Evaluated Preliminary Title reports, Purchase Contracts, and Appraisals to prepare final closing loan documents through DocMagic.

• Verified accuracy of all final signed closing documents, collaborating directly with escrow and title companies to facilitate loan funding and initiating wire transfers from our warehouse for funding purposes.

• Assembled and submitted closing packages to Investors, addressing and resolving all suspense conditions for purchase.

• Prepared final CDs, MERS documentation, tolerance cures as necessary, and managed shipment of collateral.

POST-CLOSING 06/2014 to 11/2016

Nations Direct Mortgage Santa Ana, CA., United State

• Efficiently resolved all investor Suspense items in a timely manner by collaborating directly with Investors such as Wells Fargo Mortgage, Freedom Mortgage, AmeriHome, and PMAC.

• Advocated for resolution of issues by collaborating with Account Managers, Underwriters, Funders, Brokers, and third parties, ensuring the clearance of Suspense items.

• Ensured compliance with Fannie Mae and Freddie Mac audit requirements by working closely with Senior Underwriters, meticulously reviewing files, and managing the stacking and timely shipping of files to meet all deadlines.

• Supervised the Trailing Docs department, ensuring accuracy and completeness of all post-closing documentation.

• Facilitated the processing and activation of Mortgage insurance for Freddie Mac and Fannie Mae loans.

Senior Loan Processor 10/2002 to 03/2013

Aforma Financial Services Irvine, CA, United State

• Proficiently managed loan processing lifecycle from submission to closure, ensuring smooth communication between underwriters, borrowers, and loan officers.

• Demonstrated expertise in handling various types of loans including California and out-of-state loans, as well as Conforming and HOA loans.

• Diligently requested and managed essential documents including escrow, title, credit supplements, and HOA certificates.

• Skillfully coordinated loan closing activities by ordering necessary documents, conducting credit supplements, and verifying borrower employment, assets, and property ownership.

• Conducted thorough reviews of loan documents to ensure accuracy and compliance with regulatory requirements.

• Collaborated effectively with internal teams to resolve any issues or discrepancies, ensuring timely and successful loan closures.

EDUCATION

Some College (No Degree)

Pacifica High School

LANGUAGE

English: First Language

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