Annie Cousan

904-***-**** abgvdz@r.postjobfree.com

***** ******* **** ************ ** 32219

Objective: To secure a position where I utilize my excellent organizational, financial and banking skills to enhance

company productivity.

PROFESSIONAL HIGHLIGHTS

09/2012 to 3/1/2013 EverBank Jacksonville, FL

Mortgage Closer

• Assist brokers and account executive with gathering loan documents, such as credit report, appraisal, survey,

Inspection, MI Insurance, 1003, and other critical documentation.

• Identify and define the purpose of each document and locate the required items on each document.

• Verify all fees disclosed on GFE in compliance with RESPA regulation X.

• Contact borrower, real estate broker, title company to request specified loan document.

• Verify Loan is fundable prior to lock expiration date according to wire instruction to fund loan.

07/2011 to 9/2012 JPM Chasework Jacksonville, FL

Loan Review/Jr. Funder Analyst

• Audit and review all Conventional, FHA,VA, ARM, HELOC, CEMA, Balloons mortgage documents to ensure all

condition or met for funding.

• Review and input data into CLM system from mortgage documents, Note, 1003, 1008, Credit Reports, AUS,

Appraisal, HUD 1, TIL, Title policy, and Tax documents.

• Knowledge of HMDA, HOEPA, RESPA regulation to ensure meet federal and state requirement and escalate

discrepancies.

• Knowledge of AML regulations regarding mortgage credit, allowing customer open accounts to due diligence

procedures

• Ensure that institutions are not aiding in money laundering activities.

• Analyze customer data and detect suspicious tranctions

07/2008 to 10/2010 Bank of America (Adecco) Jacksonville, FL

Post Closer/ Modification Specialist

• Prepare and review critical closing documents of loan to ensure purchase of loans in secondary market, Note,

Deeds, Security Agreements, BBP coverage, Title insurance, and Appraisal.

• Preform tracking on files sent to other Post Closing facilities within BOA.

• Key data into MSP system loan modification within production environment.

09/1991 to 03/1998 Community First Credit Union Jacksonville, FL

Research/Auditor Specialist

• Scan and image loan documentation, Teller transactions and other bank papers

• Research all documents for state and federal auditors

• Assist internal members requests for documentation

• Process state and federal auditor request on fraud and AML activities

• Knowledgeable on money laundering activities, procedures and policy on red flag account.

• Procedures on who the contact regarding AML, fraud, and scammers

EDUCATION

Phillips Business College Diploma Gulfport,Ms Urban

League computer Training MS Word/MS Excel Jacksonville, FL

Other work History

5 years of Teller experience Southeast Bank and Educational community credit

union

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