Mortgage Servicing

CANDACE CONRAD

Address: Wheaton, IL – Phone: 630-***-**** – Email: *******@*****.***

MORTGAGE INDUSTRY PROFESSIONAL

LOAN PROCESSING LOAN CLOSING & DISTRIBUTION MORTGAGE LENDING RESIDENTIAL & COMMERCIAL MORTGAGE Analytical and highly resourceful professional with 20 years of demonstrated experience spanning credit, mortgage, and title customer service. Proven loan processing, closing and distribution experience with comprehensive knowledge of various types of loans. Diligent and detail-oriented, adept at gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from pre-approval to closing. Meticulous in delivering error-free documentation and ensuring compliance with company policies and regulatory requirements. Collaborative communicator focused on building relationships and promoting synergies across business lines to resolve problems, mitigate discrepancies and enhance productivity. AREAS OF EXPERTISE

Financial Status & Credit Analysis Loan Funding & Shipping Loan Paperwork/Documentation

Customer Service/Client Relations Pre-approval Audit Regulatory & Policy Compliance

Loan Package Review Commercial Lending Loan Agreement Review

Payment Posting Analysis Mortgage Servicing Record Management PROFESSIONAL EXPERIENCE

WSB LOMBARD, IL

SENIOR COMMERCIAL LOAN PROCESSOR Jun 2018 – Present Leveraged in-depth industry knowledge and analytical skills in providing loan processing services for loan officers ensuring the completion of all required documentation.

Demonstrate precision and accuracy in preparing loan documents according to specifications provided by Loan officers, calculating monthly payment figures as necessary. Assemble documentation packages for loan closing.

Generate and maintain required loans documentation in compliance with all federal and state requirements.

Transmit documents, emails to lenders, title companies and customers while distributing daily reports to various lenders and supervisors.

Deliver effective support in ordering credit reports, appraisals, and title reports.

Review and board new loans, disburse proceeds according to provided instructions

Critically analyze and resolve payment posting concerns, including non-posted items and GL balancing discrepancies. MIDWEST EQUITY MORTGAGE OAK BROOK, IL

FUNDER/CLOSER Nov 2015 – Feb 2018

Coordinated the preparation and execution of closing documents for shipping, clearing final conditions and reviewing loan packages for completeness, accuracy, and adherence to loan approval and funding processes.

Conducted detailed audits on loan documents ensuring proper processing of loans with correct documentation in line with investor guidelines.

Contacted appropriate parties for missing and inaccurate closing documents to complete documentation.

Submitted funding authorization to loan officers and title while confirming the accuracy of wire amount corresponding to final funding figures.

Verified loan documents ensuring precision in sign, date funding figures consistent with Final Disclosure and Loan Estimate.

Maintained compliance with policies and procedures related to loan set-up, documentation preparation, loan funding, and shipping to uphold accuracy.

CANDACE CONRAD P A G E 2

THE FEDERAL SAVINGS BANK NAPERVILLE, IL

CLOSER/FUNDER May 2014 – Nov 2015

Proactively managed the processing, closing, and funding of loans from receipt of application to final delivery and purchase, being especially conscious of timeframes.

Worked closely with all departments and other involved parties to ensure loan closure in a timely and responsible manner and according to company requirements.

Facilitated document negotiation and resolution of all documentation issues.

Updated loan specific data on the pipeline, specifically focused on updating transaction status and anticipated closing dates.

Pre-audited approved files scheduled for closing to confirm completeness and compliance.

Effectively managed the timely submission pipeline, along with RUSH submission pipelines.

Reviewed executed documents, ensuring adherence with all Underwriting conditions, and disbursed lender funds.

Cleared post-closing suspense conditions issued by investors, and third-party quality control agencies.

Ordered wires for funding

Communicated with Analysts, Bankers, Title agencies and Investors regarding missing documents and corrections. FIRST AMERICAN TITLE INSURANCE CO. WARRENVILLE, IL DISTRIBUTIONS COORDINATOR Sep 2012 – Feb 2014

Prepared, approved and wired several million dollars of funds to multiple title companies, banks, borrowers and lenders.

Organized loan documents for lenders to be expedited overnight; mailed recorded documents to their respective locations.

Received, recorded and distributed daily FedEx, UPS, and USPS mailings to the correct parties.

Disbursed payments for loans according to specialized instructions provided, and transmitted payments via wire, overnight or regular mailings.

Scanned funding documents into Oracle creating files for further viewing, and deposited funds via iPoint Banking. EDUCATION & TRAINING

Criminal Justice – Lima Technical College – Lima, OH English Literature – The King’s College, Briarcliff Manor, NY Technical Skills: Laser Pro Microsoft Office (Word, Access, Excel and Outlook) DocMagic, Encompass Point

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