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Loan Mortgage

Location:
Chicago, IL
Salary:
450000
Posted:
March 04, 2019

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Resume:

SANDRA BOTELLO

**** *. *** **** ***, Chicago, IL 60707 C: 312-***-**** ac8n9a@r.postjobfree.com SUMMARY

MORTGAGE SR. Loan Closer Highly efficient mortgage- self-motivated team player specialist offering 19 years of Mortgage experience and closing Experience with FHA, VA, USDA, IDHA, MHDC and Conventional loans mortgages. 10 years, experience Post Closing Well-Versed in RESPA, and TRID guidelines and Respa Fair lending and Reg Z Requirements, FHA Connection Meticulous in delivering error-free documentation and ensuring compliance with Company policies and regulatory requirements.

SKILLS

Error free delivery of loan files to the

investor

Strong oral and written communication

skills, with a customer-service focus

Excellent time-management skills

Basic computer skills

Ability to make independent judgment

calls based on knowledge of federal

and state regulatory.

Detail-oriented and extremely well

organized, successful in stressful

situations.

I am a meticulous Closer and focused

analytical thinker. I have both strong

excellent communication and conflict-

resolution skills. In addition to these

general skills.

EXPERIENCE

05/2017 to 08/2018 Sr. Closer

Peoples Home Equity - Oak Brook, IL

Review all closing details to ensure compliance with state and federal regulations for Purchase and Refinance transactions making sure that all terms of the loan are met. Worked with borrows and title companies on any outstanding closing conditions required to fund the loan

Being intermediaries between all parties in a real estate closing transaction. Communicate with applicants, attorneys, closing agents, and vendors to answer questions and resolve any issues, communicate with title companies to gather all necessary information for accurate document preparation, and coordinate delivery of the documents before closing and funding

Specialized in closing TX loans, Non -conforming and conforming Loans VA, FHA, USDA, IDHA, MHDC

Collected Verbal verifications IL Anti Predatory Certs, Home Owners Insurance, last DU Approval and or LP from Processor or underwriter to matches all the final number from Underwriter. Taxes Insurance MI if applicable, verified Government Case numbers match if applicable

Sending copy of the final Closing Disclosure to the Borrower and the Loan officer and Loan officer assistant for review and approval.

Responsible for preparing all loan-closing documents, and ensuring that they are accurate in order to have a fully compliant mortgage loan. Carefully review all documents for any errors and requesting wire and calling to verify the wiring information and confirm that pricing and program are correct to insure loan will be funded

Pipeline Management making sure loan are cleared and timely manner and ready and package for investor delivery

Post Closer worked on any post-closing issues that may have occurred worked with processor, underwriter, title company to clear defect and get loan sold with the investor r

Systems used Encompass

10/2016 to 05/2017 Mortgage Loan Closer

Caliber Home Loans, Illinois - Itasca, IL

Responsible Disclosing initial Closing Disclosure to the borrower preparing accurate figures for monthly payments, escrows prepaid interest etc.

Collect final figures from Settlement Agents and compile a complete and accurate Final Closing Disclosure and validate RESPA credits if applicable Review Funding conditions and request from Settlement Agent and ensure all prior to document conditions have been met or will be met Specialize in TX loans and New York CEMA'S review vesting and survey when applicable and legal description and send for review and approval for attorney documents Prepare and send Final closing documents for signing and Notify all appropriate parties of documents being sent along with funding requirements Balance out a wire to Final Closing Disclosure and verify with settlement Agent wire instructions are correct Review and Run Fraud Guard for any MERS updated information and any third party alerts before requesting wire if an alerts is flagged will need to go back to underwriter Collect all funding required documents review for accuracy and completeness and accuracy to ensure compliance with government and company and investor requirements upload and clear all conditions and release documents Post closing and indexing closing packages and clearing any possible defects.

Systems used H20

02/2007 to 10/2016 Sr. Mortgage Loan Closer

Bank of America Consumer Home Loans - Rolling Meadows, IL.

Primary responsibility is to perform all closing, funding, disbursement, post-closing, insuring, and loan delivery functions; after verifying that all required conditions have been signed off and no exceptions are outstanding in the loan file.

Monitor and maintain compliance with all guidelines, policies, and procedures set- forth by federal, state, local, corporate, TRID regulations all types of loans.

Communicate with Borrowers, Closing Agents, Attorneys, Notaries, and any other third parties with operations, Trust Companies.

Underwriters Authorized the funding of loans upon verifications and review of all closing documents are complete documents /loan quality closing checklist, which results in a thorough review of closing documents for proper executions and compliance, Prepared Closing Disclosures - settlement statement, balanced to wire amount, signing off of funding conditions and data.

Verifies accuracy and consistency of required documents to ensure compliance with federal and state regulations Ensuring that all confirmations of closings are completed accurately and timely and any closing issues are addressed before funding date on refinance transactions based upon receipt of documentation from Assisting in training and developing of new hire closers Assisting in completing Verbal Verification of Employment or data vision, ordering titles, calling borrowers to follow up on pending documents, Insurance Agents to update Mortgage clause.

Performed compliance checks to include SAFE Act, MDIA/TILA, RESPA, HMDA Worked between underwriting, processing and closing to create teamwork Maintained client relationships throughout the loan process.

Performed audits on file before clear to close is given to ensure accuracy prior to closing the loan.

Review and audit closing settlement statements for all loan closings to ensure conditions and guidelines have been met prior to funding the loan.

Cross trained in various aspects of the company.

Systems Used Status Mart and Edge

06/2004 to 02/2007 Closer/ Funder/Post closer

Countrywide Home Loans/Full Spectrum

Specialized in closing NY CEMA loans Non -conforming and conforming mortgages, Stacked final loan package file according to product checklist, shipped & shipped collateral package to corporate office.

followed up with any post-closing issues Facilitated closing and disbursement for conventional, and mortgage loans.

Systems used Status Mart and Edge

11/2002 to 06/2004 Heartland Home Finance - Downers Grove, IL. 01/1999 to 01/2002 Wire Rep/Post Closer two positions held Heartland Home Finance - Downers Grove, IL

Responsible for monitoring and clearing outstanding conditions and collection of all final documents loans that are needed to comply with all investor guidelines comply with all investor guidelines prepare, research, audit and/or review loan documentation as needed Monitor functional area reports to ensure proper delivery of loans to the investors.

Stacked and shipped file according to checklist shipping closed files to investors, logging and sending out recorded mortgages and title policies.

RBC mortgage /FKA as Prism Mortgage Chicago IL.

Responsible for sending original assignments of mortgages to counties for recording, sending original mortgages, assignments, and final Title Policies to investors, clearings any outstanding deficiencies with investors.

Systems used Wireroom and Mortgage bot

EDUCATION AND TRAINING

1995 High School Diploma

Steinmetz High School - Chicago, IL

REFERENCES

Angie Petrizzo ac8n9a@r.postjobfree.com

Jennifer Arwade ac8n9a@r.postjobfree.com

LANGUAGES

Excellent written and communication skills. Bilingual, Fluent in Spanish. PROFESSIONAL AFFILIATIONS

IL State Notary Public



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