Reacer Carter

Alexandria VA

703-***-****

aduqgx@r.postjobfree.com

PROFILE SUMMARY

An accomplished professional with comprehensive experience in examining and summarizing mortgages and trust deed documents, paired with a knack for reviewing and summarizing search activity documents. Agile at obtaining property drawings and reports from county surveyors or assessors, reviewing title commitment, lender instructions, and purchase and sale agreements to be sure the duties and responsibilities are clear to facilitate closing. Adaptable at producing checks for clients related to their flexible spending account with the Firm, processing disbursement applications, and updating data as necessary in the Disbursement Management System. Skilled at recording payments received from clients, updating account balances, generating reports showing cash flow, and reviewing claims to determine coverage under an insurance policy or whether an insurer owes a settlement to a claimant.

PROFESSIONAL ATTRIBUTES

Adept at correcting all taxes due, HOA dues, and any delinquencies and principal and interest

Proficient at ensuring all payoffs have been collected, mailed, delivered, or wired according to instructions

Efficient at preparing legal documents for the closure of the sale and monitoring progress in compliance with all terms and conditions of purchase contracts

Effective at processing HSA distributions and adjustments, and Debit Card Repayments, as well as preparing deposits

Capable of documenting and effectively communicating reasons for the approval/rejection of loans

WORK EXPERIENCE

Escrow Officer

OS National, Dulatha GA

Mar 2021 – Present

Manage the real estate closing transaction for title insurance and closing process, including compliance with real estate contracts, lender instructions, title, and company requirements

Collaborate with the title department to resolve legal descriptions, easements, lot splits, vesting, all tax liens, abstracts of judgments, bankruptcies, boundary disputes, encroachments, Lis pendens, etc.

Prepare closing documents necessary to ensure title insurance is issued at closing, oversee the issuance of checks, bills, statements, and receipts

Secure all documents that may be required for the issuance of title insurance, as well as conduct closing with customer, realtor, lenders, and attorneys

Assist customers and clients with closing related questions, confirm all funds are collected, all appropriate documents are checked for accuracy, signatures are collected, and acknowledgments and legal descriptions are correct

Verify against the HUD statement that all disbursements have been paid correctly, as well as manage and develop client relationships to ensure future real estate closing transactions

Disbursement Associate

DOMA Confidential

Oct 2021 – May 2022

Disbursed all outgoing settlement funds following Closing instructions and fully executed Closing Disclosure

Reviewed all funds for accuracy before disbursement, including dollars amount, payee information, wire information, and payment address

Communicated internally to ensure on-time payments, follow up on returned checks, follow up on checks on hold, wire status

Researched register discrepancies and assisted in Customer Service through all aspects of the merchandise from first processing through to final check out

Followed step-by-step procedure to ensure accuracy in paperwork and entered accurate information into data sheets

Underwriter/ Settlement Processor

Commercial Title Group

Oct 2012 – Aug 2021

Executed all aspects of closing commercial and residential transactions from Order Entry through Escrow Processing, Survey review, Title Curative funding, and post-closing

Prepared commercial and residential title binders, policies, and any related endorsement and dated down the title for gaps when needed

Reviewed and identified underwriting concerns prepared Closing Disclosure, ALTA statement Settlement Statements, and HUD-1 when applicable

Obtained conveyancing, prepared daily deposits, processed incoming and outgoing recordings and letters of indemnity

Ordered inspections, surveys, payoff statements, and hazard insurance, as well as prepared settlement statements and closing packages, Close loans, fund loans, and made bank deposits

Banking Network Manager

BB&T

Feb 2009 – Sept 2012

Supervised employees to maintain workforce stability, evaluated branch activities, strategized and achieved sales goals in a high-intensity Sales environment

Conducted teller cash audit when out-of-balance issues arose and ensured adequacy of currency and coin supply as well as prepared error-free daily settlements of teller cash and proof transactions

Prepared budget, controlled expenses, and reviewed performance measures, facilities management, compliance, auditing, sales production, ATM Balancing, and daily operations management

Created schedules for branch staff to ensure superior customer service and maintains branch efficiency goal

Performed daily management of branch reconcilement, ensuring all documentation and procedures are following corporate policy and federal regulations

ADDITIONAL EXPERIENCE

Retail Services Officer

BB&T

Feb 2007 – Mar 2012

Operations Manager

CIP Investment Group

May 2003 – Sept 2007

ESL Assistant Program Manger

Northern Virginia Community College

Jun 2001 – 2003

EDUCATION

Associate in Business Management

BB&T Banking University -Fairfax VA

2007

Northern Virginia Community College- Annandale VA

2000 – 2003

CERTIFICATION & LICENSE

Title Insurance Producer License

Appointments in MD, VA, DC

2015 – Present

PROFESSIONAL SKILLS

Team Management

Leadership

Problem-Solving

Critical Thinking

Loan Processing

Risk Mitigation

Process Improvement

Retail Operational Management

Insurance Coverage

Customer Relations Management

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