Customer Service Sales
Resume:
Dolores Guine
************@***.***
PROFESSIONAL EXPERIENCE
New York Community Bank 04/2013-08/2013
Closer (Commercial)
• Prepared and input closing sheet via MS Word
• Reviewed certification for hazard and flood insurance
• Entered special closing conditions on to closing sheet
• Reviewed titles, ordered surveys inspections, re-certifications
• Calculated mortgage tax data
• Calculated Sec32, NY and multi-state
• Calculated impound escrow data
• Calculated and reviewed per diem interest
• Organized files to expedite timely closings
• Reviewed locked rates and expirations
• Troubleshoot problem issues with Loan Officers, attorneys and appraisal departments
Meadowbrook Financial, Garden City, NY 02/2013-03/2013
Shipping Coordinator (Residential)
• Reviewed and cleared exception report for FHLMC, FANNIE MAE and FHA closed loans
• Reviewed HUD and made appropriate corrections in system
• Organized the sale of all closed shipped loans to the assigned investors
• Used investor websites to obtain suspense reports and track sales
• Analyzed data and hard file integrity, made data corrections when needed
• Organized hard file in stacking order
• Re-underwrote loans to appeal investor decisions
(shipped over 30 days)
• Reported all sales to management; ensured properly updates to Encompass system
• Extensive customer service, internet, intranet, PC, Databases and phone skills
JP Morgan Chase, Garden City, NY
Senior Loan Funder (Residential) 02/2010-02/2013
• Reviewed and cleared exception report for FHA, VA, SONYMA, FHLMC, FANNIE MAE,
HEMIC and HARP loans
• Reviewed HUD and made appropriate corrections to database
• Interacted with various internal and external departments, borrowers, sellers, underwriters,
appraisers, government agencies, attorneys, title and insurance companies concerning the
conditions needing guideline clearance for loans being sold through the secondary Market
• Extensive analytical, PC and phone skills to complete job process.
• Perform review of all lending transactions
• Organized hard file in stacking order
• Verified and corrected documents for new loan setup, escrow account, hazard, flood
insurance, Upfront MIP, MIP, PMI, FHA Connection and closings
• Verified rate and rate lock changes
• Assisted in documenting processes in operations particularly the loan servicing function
• Provided assistance for loan serving personal in the booking of loans and special loan projects
• Utilized Loan Status, PAC, Closr, I-vault, Lotus Notes, Excel, Word, Outlook, various
databases, internet and intranet
• Reviewed policy and procedures regularly via intranet notifications
• Regularly trained and tested for policy and procedure compliance
• Closed and confirmed funded loans
Junior Achievement/Chase, Hempstead, NY School District 02/2010-02/2013
• Lectured students on community and banking concepts.
Aerotek, Melville, NY
Loan Specialist-temp assignment with Chase (Residential) 04/09-02/2010
• Reviewed and cleared suspense conditions for FHA, VA, SONYMA, FHLMC, and FANNIE
MAE closed loans.
• Reviewed HUD and GFE made appropriate corrections
• Interacted with various departments, borrowers, underwriters, appraisers, government
agencies, sellers, attorneys, title, tax and insurance companies concerning the conditions
needing guideline clearance for loans being sold through the Secondary Market.
• Extensive analytical, PC and phone skills to complete job process.
• Utilized Loan Status, PAC, Closr, I-vault, Lotus Notes, Excel, Word, Outlook, various
databases, internet and intranet
Lloyds Staffing, Melville, NY
Administrator/Accounts Payable Assistant 08/2008-10/2008
• Overall responsibility was to provide administrative support to the Service Department in all
aspects of administration and reporting.
• Provided support in a timely manner to customer inquiries for service or repair requests,
processing of service orders and maintaining records. Handled service requests, entering
service orders and issuing quotes and processing service orders.
• Provided customer or sales representative support via telephone, e-mails, faxes, SAP and
Excel knowledge.
• Researched inquiries from internal and external customers, regarding the accounting for most
phases of the accounts payable operations.
American Home Mortgage, Melville, NY
Loan Auditor II (Residential) 10/2005-07/2007
• Organized the sale of all closed shipped loans to the assigned investors
• Used investor websites to obtain suspense reports, track sales
• Analyzed data and hard file integrity, made data corrections when needed
• Re-underwrote loans to appeal investor decisions
• Ran and analyzed internal report to be sure all loans were sold on time and loans did not age
(shipped over 30 days)
• Reported all sales to Treasury Department; ensured Treasury properly updated Unifi system
(pays off warehouse bank)
Century 21. Annette’s R. E.
Realtor-Associate 04/2006-02/2012
• Presented purchase offers to sellers for consideration
• Conferred with escrow companies, lenders, home inspectors, and pest control operators to
ensure that terms and conditions of purchase agreements are met before closing dates.
• Interviewed clients to determine what kinds of properties they are seeking
• Prepared documents such as representation contracts, purchase agreements, closing
statements, deeds and leases.
• Coordinate property closings, overseeing signing of documents and disbursement of funds.
Coastal Capital Mortgage Company, Greenvale, NY
Wholesale/Residential Closer 2003-12/2004
• Prepared closing packages
• Reviewed certification for hazard and flood insurance
• Reviewed special closing conditions
• Reviewed titles, ordered surveys inspections, re-certifications
• Verified PMI/MIP information
• Calculated NYS mortgage tax data
• Calculated Sec32, NY and multi-state
• Calculated impound escrow data
• Reviewed per diem interest using Data-Trac system
• Reviewed funding/wiring information
• Organized files to expedite timely closings
• Locked rates and reviewed expirations
• Inputted fees into Data-Trac system
• Closed/funded loans
• Closed condos, co-ops, sub-primes and 1-4 unit loans
• Closed CEMA/MECA, equity and investor loans
• Familiar with FHA, FHLMC, FNMA and Arm Programs
• Troubleshoot problem issues with brokers and attorneys at closings
Dime Savings Bank of New York, New York, NY 1989-2002
Business System Analyst-Jr. Officer, New York, NY 2001-2002
(Residential)
• Provided lending units with geo-coding information for development of annual Community
Reinvestment Act in lending goals.
• Liaison between community and bank for agreement adherence/community reinvestment
initiatives
• Ensured validity of the Bank’s data for annual CRA regulatory submission
PC LAN Administrator and Help-Desk, Uniondale, NY 1999-2001
• Worked within the Information Technology Department as part of a team designated to
resolve networking issues.
• Acted as level one support for banking departments to resolve internal customer application
and hardware issues.
• Utilized trouble ticket system to escalate problems
• Responsible for training Help Desk Administrators
Accounts Payable Administrator III, Valley Stream, NY 1998-1999
• Assisted Facilities Accounts Payable Department and was responsible for documenting
purchase order forms.
• Completed reconciliations
• Coded vendors checks and entered in system
• Managed vendors and liaised with associated banking departments. As part of a team, was
responsible for the implementation of an access based database for 1300 + accounts
CRE Loan Administrator, Uniondale, NY 1996-1998
• Assisted Commercial Real Estate Department by monitoring loan portfolios for commercial
accounts
• Responsible for their timely scheduling and within the agreed upon deliverable for taxes and
insurance.
Pre-Closer, Uniondale, NY 1992-1996
• Referred to lending policy for product guidelines
• Reviewed file for completeness and accuracy of documents
• Calculated Loan-To-Value
• Calculated monthly income
• Calculated mortgage payment/PMI
• Reviewed credit report
• Calculated income ratios
• Reviewed contract or deed
• Calculated funds to close
• Tracked source of funds
• Cleared underwriting conditions
• Locked rates
• Reviewed file expirations for credit, appraisal, income, PMI, MIP, rate and updated
accordingly
• Prepared closing package for attorney
• Interacted with borrowers, attorneys, account executives, title companies, appraisers, credit,tax and insurance agencies, secondary market concerning the closing of loan
• Responsible for training pre-closers
Loan Service Administrator, Uniondale, NY 1989-1992
• Responsible for servicing residential loans.
• Completed required analysis of escrow accounts, tax disbursements and insurance payments.
• Notified mortgagors of escrow shortages tax, insurance situations.
• Computed and adjusted loan payment amounts
• Investigated problems concerning loans serviced.
• Responsible for training loan service officers
EDUCATION
• Hunter Business School, Levittown, NY 05/2008
• Auditing-refresher courses-Ms Suite 04/2014-05/2014
Licensed Notary Public 02/2016
Licensed Realtor-Associate 02/2006-02/2012
Bachelor of Science Degree in Management Technology
• Farmingdale State University, Farmingdale, NY 08/2003
COMPUTER SKILLS
Software: MS Word, MS Access, MS Excel, MS PowerPoint, Harvard Graphic, MLS, Stratus,
MSA Banking Application, Strategy and Lakewood, Encompass, Data-Trac, Docu
Prep, PACS, Closr, IVault, Shiptrack Banking Applications, Miser,
CRWIZ/Demographic, Unifi, LSAMS, Windows NT, Windows 95, 98, 2000, XP, 7,
2010, Accounting, QuickBooks, Outlook, Internet and Intranet, Keyboarding 55 wpm
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