Loan processing
Resume:
Nazik Mohammed
******@*****.***
PROFESSIONAL SUMMARY
Results driven employee with a high level of commitment and extremely strong work ethic. Thrives in fast-paced, high-pressure and dynamic work environments. Highly developed quality, compliance and attention to detail skills.
EMPLOYMENT
Caliber Home Loans (3/2012 – 5/2018)
Manager, National Operations (12-2013 – 5/2018)
Managed large projects from initiation through implementation for major product lines and multiple operations units of both regional and national scope
Directed the research of existing operations, procedures, workflow and service requirements
Mentored and trained each member of Caliber registration team
Managed pipelines and daily workload assignments for both Early Disclosures and the Release of Escrow Holdback processes
Selected to travel to India to train offshore team
Operations Team Lead (3/2012) – (12/2013)
Managed pipelines and daily workload assignments
Served as primary liaison between external/internal business partners and operations staff
Facilitated and engaged associates in daily huddles to ensure transparency and understanding
Collaborated with sales and fulfillment to deliver as one team and obtain resolutions for the customer
Minimized process gaps and redundancy while staying within the Bank’s compliance and guidelines through ongoing facilitation of employee and leader training sessions
MetLife Home Loans (6/2011 – 02/2012)
Home Service Specialist
Processed residential mortgage loans for underwriting approval
Engaged with underwriting, sales and consumers to clear conditions and issue changes to terms
Validated approval conditions including income and asset documentation, resolved title defects and processed subordination requests
Worked with FHA and Making Home Affordable Loans
Properly executed all changes according to Regulation X guidelines
Worked extended hours during peak volume periods
Identified and corrected RESPA credits to prevent financial loss
Bank of America / Countrywide Home Loans (8/2005 – 5/2011)
Mortgage Loan Processor (12/2010 – 5/2011)
Responsible for performing a variety of loan documentation duties on complex loan packages to ensure compliance with organizational and regulatory guidelines
Executed processing and compliance for a wide variety of loan products
Interpreted policies while analyzing applicant, property and title documentation
Ordered all required verifications, documentation
Loan Opener, Closer/Funder, Workflow Coordinator (1/2009 - 12/2010)
Performed pre-closing audit of loan files and prepared closing documents to meet a wide variety of federal and individual state regulatory guidelines
Reviewed and approved settlement statements for accuracy prior to and following closing
Validated fees and closing related charges to ensure compliance with regulatory guidelines and balancing of funds
Provided quality assurance audits on all executed documents prior to release of funds
Initiated wires to and funding authorization to attorneys and disbursement agents
Opened loan packages and disclosed fees associated with loan applications
Ordered all required verifications, appraisals, title work and associated documentation
Compliance Specialist (2/2006 – 7/208)
Audited over 800 residential loan packages per month for delivery to the secondary market according to strict state, federal, and investor guidelines
Identified signature and notary execution failures, settlement statement discrepancies and barriers to recordability prior to funding
Engaged with branch managers, title companies, attorneys and funding department managers to clear defects in time to meet consumer, investor and organizational funding expectations
Sustained a 99.3% quality rating in a high-volume, fast-paced environment in which 60% of the business was conducted in the last four days of the month
Consistently sustained highest monthly transaction count in the division
Senior Loan Funder, Loan Funder (8/2005 – 1/2006)
Responsible for operational support of two high-volume retail branches
Performed pre-closing audits prior to preparing closing documents, engaged with branch operations personnel to clear defects, prepped and delivered documents to remote closing agents prior to scheduled closing times – frequently with minimal lead time
Balanced settlement statements and ordered wires for disbursement
Wired and authorized disbursement of more than $18 million per month without financial loss
Performed post-closing audits to ensure accuracy of execution and attention to detail
Communicated issues to field branches and title companies to facilitate defect resolution to ensure on-time funding
Packaged funded loan documents for timely delivery to secondary market
Apple One Mortgage (6/1998 – 12/2004)
Mortgage Loan Processor
Processed conforming and equity loan documentation according to strict lender and government guidelines
Audited loan applications for completeness and accuracy. Validated credit, title, appraisal, income, asset, and liability documentation
Generated disbursement funds for closing
SPECIAL SKILLS
Quality assurance and compliance management
Proficient in multiple lending and servicing platforms as well as standard MS Office applications
Fluent in Arabic
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