Customer Service Agent

Sateama Witherspoon

*** ***** **. ********, ** **077

PH: 631-***-****

ac2l3k@r.postjobfree.com

•Extensive experience in Mortgage industry as Mortgage closer & Bankruptcy Specialist.

•Expert in closing & Pre-close all type of loans& reviewing all loans for possible payment changes

•Expert in Processing and submit loans for possible ARM/Escrow changes to be filed with the courts

•Help the closing agent and broker retrieve their closing package

•Good creative and communication skills.

•Excellent Organizational, Presentation and Communicational skills.

•Ability to learn and adapt to new things, self-starter, work independently and multiple projects, and good team player with excellent organizational and communicational skills.

Experience:

Republic Bank/Oak Mortgage 6/17-Present

Mortgage Loan Closer

Close FHA, Conventional, Homeseeker

Input borrower information as well as fees in system (Encompass)

Complete and revise CD

Get closing docs out to closing agent

Request funding from accounting checks as well as wires

Approve CD’s

Get CD’s out to borrowers to sign in time to follow TRID guidelines

Work closely with the Underwriters to make sure loan is in compliance

Type Note, Mortgage and CD for Homeseeker loans

Distribute checks to loan officers in time for the closing

Help closing agents revise and correct CD’s

Bayview Loan Servicing 5/15- 9/15

Wholesale Mortgage Closer

•Close FHA, VA, Conventional, Government

•Help borrower to understand closing process

•Request updated docs from borrower as well as updated signatures on docs

•Complete Escrows

•Upload Closing instructions

•Update payoff amount in system, add necessary interest to payoff, as well as late fees

•Update cash borrower is bringing to closing Make sure loan is re-disclosed

•Lender pay fees to correct cash to close Review the HOI, Title, Wire, and CPL

•Review GFE to make sure tolerance has not been exceeded Make sure closing agent is approved

•Make sure TIL is correct Request funds for loan Clear funding conditions

TTI (Ocwen), Fort Washington, PA (Temp) 10/14 - 5/15

Bankruptcy Specialist

•Review all loans for possible payment changes

•Communicate with attorneys regarding escrow issues

•Review all paperwork filed with the courts

•Process and submit loans for possible ARM/Escrow changes to be filed with the courts

•Audit loans for delinquency

•Make sure all funds were received from trustee and borrower

•Write off applicable funds

•Give direction on how to apply funds in suspense

•Communicate with attorney and trustee

•Audit loans to make sure payments are correct

•Make sure proper paperwork has been filed with the courts so that payment can be changed

Contemporary Staffing Solutions (Cenlar) 11/13- 4/14

Customer Service Rep

•Assist customer with understanding their escrow accounts and how they work

•Process mortgage payments

•Assist borrowers with their online accounts

•Assist HOI companies with updating mortgagee clause

•Update system with borrower’s current contact info

•Open requests for funds to be released from escrow overage or escrow balance from PIF loans

•Assist borrowers with understanding their tax and HOI disbursements

Freedom Mortgage Mt. Laurel, NJ (Remote) 11/12- 4/13

Mortgage Closer

•Close FHA, VA, Conventional, Government complete Escrows

•Upload Closing instructions

•Update payoff amount in system, add necessary interest to payoff, as well as late fees

•Update cash borrower is bringing to closing

•Make sure loan is re-disclosed

•Review title, lender pay fees to correct cash to close Review the HOI, Title

•Clear funding conditions

Wells Fargo& Co. 3/2 – 11/12

Mortgage Closer

•Close FHA, VA, and Conventional, Complete Escrows.

•Charge Fees from the broker to the borrower.

•Request and make sure wire is correct.

•Help the closing agent and broker retrieve their closing package

•Approved HUD and make sure all fee are charged accordingly Make sure loan is not in high cost or investor violation, review title, HOI, and HUD’s, make sure loan is within RESPA guidelines

Ally (GMAC)

Bankruptcy Specialist 3/11-3/12

•Review all loans for possible payment changes

•Communicate with attorneys regarding escrow issues

•Review all paperwork filed with the courts

•Process and submit loans for possible ARM/Escrow changes to be filed with the courts

•Audit loans for delinquency

•Make sure all funds were received from trustee and borrower

•Write off applicable funds

•Give direction on how to apply funds in suspense

•Communicate with attorney and trustee

Citi Mortgage 3/05 – 8/09

Closer

•Assist borrower with understanding closing process

•Help borrower with necessary documents to proceed with closing

•Close FHA, VA, Condo, and Conventional.

•Complete Escrows.

•Charge Fees from the broker to the borrower.

•Request and make sure wire is correct.

•Help the closing agent and broker retrieve their closing package

•Pre-close loans

•Complete level III closing (Purchase the loan from the broker)

•Make sure loan is not in high cost or investor violation, review title, HOI, and HUD’s, make sure loan is within RESPA guidelines

First Jersey Mortgage 5/ 04 – 1/05

Loan Processor

•Submit loans to lender for pre-approval Order VOE's, and Payoffs.

•Subordination Agreements

•Schedule Closings with closing agents, attorneys, and borrowers

•Request needed documentation from borrower

Cendant Mortgage 11/01 – 4/04

PTC Desk Specialist

•Responsibilities:

•Review Homeowners ins., Title, and .

•input escrows.

•Order payoffs, VOE, VOM, VOD

Contact this candidate