Customer Service Loan

Sean Smith

Mortgage Loan Closer - Network Funding

Garland, TX 75044

*****************@*****.*** - 469-***-****

NMLS: 1167130

• Strong financial background with more than three years of collections and mortgage experience

• Excellent customer service skills, strong analytical, writing, communications, interpersonal, and negotiation skills

• Proven leadership ability with major strengths in improving business processes with superior multi-tasking talents and the ability to prioritize multiple assignments and develop solutions to challenging business problems

• Strong planner and sales strategist, determined, detail-oriented, and a self-starter who identifies goals and priorities, works independently and readily adapts to change WORK EXPERIENCE

Mortgage Loan Closer

Network Funding - 2015-09 - Present

• Schedules loan closing and compiles and types closing documents: Reviews approved mortgage loan to determine conditions that must be met prior to closing.

• Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms

• Assembles documents for delivery to title company, real estate broker, or lending officer for closing

• Demonstrating accurate and timely completion of customer service and research

• Ensuring all funding's and fees are accurately & timely wired to meet the established closing Service Level Agreements

Mortgage Loan Closer

Guardian Mortgage - 2013-04 - 2015-09

• Produce, collect and organize closing documents for each closing file. Review each closing file to verify documents are present, accurate, accurately calculated, compliant and sufficiently complete for closing. Ensure closing conditions have been met.

• Work with colleagues, executives and business partners (title company, etc.) to schedule loan closing in a timely, accurate and compliant manner. Inform LO's of any funding conditions expected prior to funding.

• Consistently hit ongoing deadlines regarding closing, verification, watch for expiring locks, etc.

• Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs, and state and federal law and regulation. Knowledge of FHA, VA and Conventional loan programs as well as RESPA will be required.

• Trid experienced.

Mortgage Loan Closer

BB&T - 2012-01 - 2013-03

• Coordinate the mortgage closing process for FHA, VA, Physician loans, Constructions loans and Conventional loans.

• Provide the home buyer with all necessary legal documents for closing, schedule closing and funding dates.

• Correspond with the loan officer, attorney, and Title Company to ensure all documents are within FNMA, and Respa guidelines.

• Review and verify that all loan closing conditions have been satisfied prior to closing. Assemble documents to be delivered to the place of closing in a timely manner.

• Calculate prepaid interest, review and balance the Final Settlement Statement for approval. Once approved I send the final TIL and wire breakdown along with the funds needed for closing. Paralegal-Mortgage Loan Closer

McGlinchey Stafford and Youngblood and Associates - 2010-07 - 2012-01

• Prepare the closing instructions and the final closing package for multiple lenders.

• Review and verify all loan documents for accuracy, and ensure that all respa, and safe guidelines are followed.

• Verify that the origination of the loan is within the investors guidelines.

• Review, balance, and approve the final HUD-1 Settlement.

• Communicate with both the lender and the title company to ensure a smooth closing process.

• I have experience preparing closing documents for FHA, CONVENTIONAL, and VA loans. Bank of America - Plano, TX - 2009-03 - 2010-07

Home Retention Division-Loan Servicing and Collections:

• Perform Loss Mitigation Reviews specializing in Government Portfolios

• Conducts daily account auditing, responsible for foreclosure recommendation and ensuring all compliances met per HUD guidelines

• Contact delinquent, charged-off or high-risk customers in order to secure payment and determine reason for delinquency on active mortgage loans or credit card accounts

• Work with customer to establish full balance repayment plans or settlements and other loss mitigation or recovery activities

• Resolve routine billing inquiries and negotiate payment arrangements to cure delinquent accounts

• Manage an established book of accounts using an auto-dialing system Mortgage Loan Closer

USAA - San Antonio, TX - 2008-12 - 2009-03

• Review title commitment

• Prepare closing package

• Review, balance, and send hud approval to title.

• Balance the wire for funding. Send funding authorization to title. EDUCATION

University of North Texas - Denton, TX

Midwestern State University - Wichita Falls, TX

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