Customer Service Insurance

**** ****** *****

Huber Heights, OH ***** 937-***-****

*.*******@*********.***

EMILY R. KLEINER

Experien September 2007 - November 2009 Liberty Savings Bank

ce Dayton, OH

Commercial Loan Closing Coordinator

Sent out quote requests for appraisal reports and environmental

reports within 24 hours of receiving the loan file.

Selected the best cost and time frame from the appraisal &

environmental report quotes.

Coordinated with appraisers & environmentalists to order the

appraisal and environmental reports.

Ordered titles from title companies.

Ordered UCCs on any equipment used as collateral in the loans.

Gathered all information needed from customer (e.g., bank statements,

photo identification).

Coordinated with insurance companies to obtain proof of insurance for

properties.

Input all loan and customer information into computer.

Printed all closing documents and checked for accuracy.

Coordinated and scheduled loan closings with the loan officer,

customers and title companies or attorneys.

Wired loan funds to title companies or attorneys and cut checks for

payoffs, loan funds and/or closing fees.

Received executed closing documents and closing fees after closing

was completed.

Prepared file to be sent for imaging, placing documents in a specific

order for and created a checklist for quality control purposes.

Deposited all closing fees and payments sent to us.

Balanced the general ledger for the Commercial Department each month

in a timely manner.

July 2003 - August 2006 National

City Mortgage Miamisburg, OH

Compliance Assessment Specialist

Verified correct documentation was included in closed mortgage loan

files.

Verified that all documentation was signed and dated correctly in

closed mortgage loan files.

Verified that all loan figures were correct and loan fees were

charged in the correct amount in closed mortgage loan files.

Called title companies to have corrected settlement statements/HUDs

sent when needed.

Placed in charge of leading special project for canceled/denied

mortgage loan audit.

Verified reasons of denied or canceled mortgage loans are correct and

reasonable.

Wrote up reports for each closed, denied/canceled mortgage loan,

stating what was incorrect and non-compliant according to the OCC's

regulations. Reports are then sent to the office in which they

were closed for corrections.

Audited 150 closed and canceled mortgage loan files per month with an

average accuracy rating of 95%.

Produced invoices and sent to Strategic Alliance partners to collect

fees for servicing of their mortgage loans, received payments

from invoices and deposited into general ledger.

May 1998 - July 2003 National City

Mortgage Miamisburg, OH

Escrow Analyst

Reviewed escrow accounts of mortgage loans verifying that property

taxes and homeowner's insurance had been paid out correctly and in a

timely manner.

Verified that all balance shortages and overages were correct and not

due to double tax or insurance payments, payment of the wrong

amount or from the wrong escrow account.

Corrected any incorrect tax and insurance payments by contacting the

appropriate city and/or county tax office and appropriate

homeowner's insurance company.

Printed checks for balance overages once verified to be true and

correct, and mailed the checks to the customers.

Reviewed 1500-2000 escrow accounts per month with an average accuracy

rating of 97%.

Trained all new hires on the escrow analysis team how to audit the

escrow accounts.

Answered phone inquiries from internal and external customers.

February 1995 - October 1995 Citizen's

Federal Bank Dayton, OH

Customer Service Representative

Assisted customers with withdraws, deposits, purchasing CDs and

savings Bonds and any other banking needs.

Balanced the in house Automated Teller Machine on a weekly basis.

Balanced a cash drawer containing $1000-$1500 daily.

Printed cashier checks.

Assisted customers with cash advances on credit cards.

June 1993 - August 1994 City of Dayton - Parks &

Recreation Dayton, OH

Summer Camp Counselor & Office Aide

Organized and assisted activities for children ages 6-12 during

summer camp.

Assisted is class sign ups and took payments.

Opened and closed the Recreation Center on weekends.

Assisted in pre-school classes, arts and crafts classes and child

care room.

Decorated the Recreation Center for special events and updated the

display cases.

Educatio 1989 - 1993 Belmont High School Dayton, OH

n College-preparation courses

Honors courses

3.8 GPA

2002 - 2003 Sinclair Community College

Dayton, OH

General education courses (Math and English courses)

3.5 GPA

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