Mortgage Closer / Funder
Resume:
Richard A Stark
Elmhurst, IL
*********@*****.***
Career Summary
A proven performer and dedicated financial service operations team member looking to obtain a long-term opportunity as a Closer/Funder. Employing a fresh working knowledge of Closing, Funding, and Post-Closing with an extraordinarily diverse background in business including everything from project management and auto finance management, to sales and customer service. The ability to thrive in a fast-paced, detail-oriented environment comes naturally by means of exceptional time management, flexibility, attention to detail, and well- polished communication skills.
Relevant Software Proficiencies
Encompass, Citrix Applications, Destiny, Blitz Docs, Microsoft Outlook, Microsoft Word, Microsoft Excel (VLookup and Macros), Microsoft OneNote, and Microsoft Publisher Work Experience
Closer / Funder
August 2016 – July 2018
Eagle Home Mortgage, LLC.
• Responsible for file review (make sure all necessary paperwork (Loan Estimates, HUD1, Purchase Contract, MI, HOI, Appraisal, Title Commitment, etc.) is in file and has not expired, disclosing initial CD to borrower, balance CD with title, schedule a closing date with title agent, create, review, and send final documents to title for closing, set and send wire, review final signed documents, and give funding approval.
• Applied well practiced multitasking abilities to consistently manage a closing pipeline of at least 45-50 loans per month. The pipeline always included a product mix of bonds (IL and MN), refi, conventional, jumbo, FHA, VA, and USDA loans in IL, IN, MN, WI, FL, VA, PA, NY, MD, NJ, and AZ, as well as new construction loans in IL, FL, and NJ.
• Knowledge of Encompass, Destiny, Blitz, and audit / financial reporting software (SMO, ACES, A30)
• Demonstrated leadership by regularly stepping in on other closer’s files to help solve issues when management was unavailable.
• Successfully used post-closing experiences to continually improve and become a more efficient and accurate closer.
• Built strong relationships with Borrowers, Ops, Sales, and Title through caring and great communication throughout the closing process, resulting in smooth, concise closings and great customer satisfaction surveys post-closing.
• Strong knowledge of recording, re-recording, and corrective recording requirements in IL, MN, IN, WI, AZ, FL
• Well versed in HMDA discloser and disposition requirements and timelines.
• Responsible for assembling and reviewing all critical loan documents (bond included) for accuracy throughout corrective process.
• Know by secondary marketing as a detail oriented closer they could trust to close a clean file by rarely having internal/investor audit conditions post-closing. Page 2 of 3
President and Treasurer - Volunteer Position
December 2013 – March 2018
WMTA, an IRC 501 (C) (10), Non-profit Organization
• Restructured entire financial system, budgeting, and operational goals, reducing operational spending by over 40%, and increased operational income by over 60%
• Designed from scratch, an in-depth financial reporting/forecasting system, and daily ledger program using Excel 2016
• Acquired new tenant worth 1/3 of total yearly income, and personally structured their 3-year commercial lease agreement, as well as re-negotiated new lease contracts with 3 of our 6 pre-existing commercial tenants
• Planning and presiding over board meetings, and responsible for preparing monthly, quarterly, and year-end annual reports
• Responsible for managing our Organization Assessment Freeze status with the IRS which includes filing yearly Domestic/Foreign Corporation Annual Report and PTAX-766 forms as well as adhering to IRS regulations to maintain status.
Food Service Professional
Ruth’s Chris Hospitality Group
January 2013 - August 2016
Select Restaurants, LLC – Parkers’
March 2009 - October 2012
Harry Caray’s Restaurant Group
September 2007 - March 2009
(Descriptions reflect responsibilities for all restaurants)
• Fast-paced, high-end customer service exceeding already meticulous standards
• Extraordinary time management and work pace, efficiently handling high volume rushes without mistakes
• Easily adapting to frequently changing procedures without missing a beat
• Regularly requested by repeat guests
• A subject expert to co-workers, and a sure go-to for management
• Quickly advanced as a peer leader (i.e. Shift Leader, Trainer, Dining Room Captain) in each company
Education
College of DuPage GPA 3.7/4.0
Associate of Arts (A.A.), Business Management
2019 (expected)
• College of DuPage to Benedictine University 3+1 Program
• Member of Phi Theta Kappa Honors Society
• Co-Founder and Former VP of the Entrepreneurship Club at College of
DuPage Oak Automotive Career Training Center
Completed in July 2002
Auto Finance and Insurance Management Certificate
The curriculum included staffing and office organization, finding and retaining finance sources, negotiating buy rates, ADP account management software, closing techniques, organization of office Crash Kit (hand-written finance formulas and document templates) for when the system crashes. Page 3 of 3
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