Linda C. Williams

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

Jacksonville, FL. 32218

Home: ***/***-****

Cell: 904/629-0964

EXPERIENCE:

Florida Capital Bank, Jacksonville, FL

Feb/16 to 5/18 Post Closer Auditor

Verify accuracy and consistency of specifications within documents for the approved purchase or refinance of Conventional, FHA, VA, OR USDA loans.

Communicate and coordinate with various individuals including title companies, loan officers, and processors to facilitate excellent service.

Ensured loan closed in accordance and final underwriting approval, HGF policies and procedures, and federal regulatory requirements.

Reviewed title commitments, to ensure title work is clear of liens, judgments and encroachments.

Reviewed required insurance policies to ensure coverage is sufficient; policies are active at time of closing and paid in full.

Reviewed and approved the CD/HUD-1 Settlement Statement to ensure all data is accurate and complete.

Assure compliance with final underwriter’s approval, HGF policies, RESPA, and any other federal regulatory requirements

Compare the most recent DU (address, loan amount, rate and escrow.

Review closed Package for proper dates and signature(s).

Review LE’s and CD’s for Timing/TRID Compliance.

Wells Fargo Home Mortgage, Jacksonville, FL

09/11 to 10/13 Retired Site Compliance Specialist

Perform proactive reviews of reports and loan data.

Identify and escalate issues resulting from lack of controls.

Compile site data, to be shared with management.

Research and respond to monthly defect report.

Provide coach back to team members as needed.

Support the Site in being compliant and adhering to State and Federal regulations.

Wells Fargo Home Mortgage, Jacksonville, FL

04/94 –10/13 Mortgage Loan Specialists / Closer

Close Conventional, VA, FHA and Florida Bond loans.

Address any questions the Home Mortgage Consults may have regarding Company and Agency guidelines.

Review Loans with Loan Doc Specialists

Make sure loans are within company and agency guidelines.

Make welcome calls and update borrower regarding their loan.

Regularly review pipeline with Home Mortgage Consultants.

Review and Balance HUD 1 Settlement Statements

Review Title commitment, Home Owners Insurance windstorm flood and Hail insurance, Survey, Upfront fees and unallowable fees.

Wells Fargo Home Mortgage, Jacksonville, FL

07/91 – 04/94 Post Closer

Verify that loans are within company guidelines.

Clear and verify conditions once they are satisfied.

Make sure that packages get to attorney in a timely fashion.

erform proactive reviews of reports and loan data.

Identify

EDUCATION: Ribault High School, Florida Community College

CORPORATE

TRAINING: LIS, CORE, Loan Processor, Word 5.0, Excel, Desktop Closer s Fitech, Mtgbot/LOS is the servicing system, Microsoft outlook for emails and 8X8 for interoffice communication.

References provided upon request.

Contact this candidate