Customer Service Manager
Resume:
Hrysoula (Chrissy) Papadatos
Little Neck NY *****
**********@***.***
OBJECTIVE: To obtain the position in Loan Closing where I can apply my education and sixteen years of loan experience and banking skills to provide clients with a high quality customer satisfaction and repeat of business.
PROFESSIONAL SUMMARY:
• Highly organized and proactive; able to process and manage a pipeline to meet closing deadlines in a faced paced environment.
• Flexible and productive, excellent interpersonal and relationship building skills in a team oriented setting
• Exceptional leadership skills, ability to lead, motivate and stimulate others to achieve goals inspire change.
• Critical thinker with effective research skills proven. Analytical, problem solver, detail oriented.
• Excellent communication skills verbal written and interpretation developed through vast experience
• Develop and maintain open communication skills with clients, relationship managers, attorneys.
• Knowledge of Hard Credit Loans: (Real Estate Loans): Conforming and Non Conforming, Purchase; REFI; FHA; VA; FIXED, ARM, CEMA; JUMBO; Bank Exchange; Modification Loans; Commercial Loans 1MM - 10MM; Construction ; SBA 504; Health Care Loans
• Knowledge of Soft Credit Loans (Non Real Estate Loan): Term Loans; RRC; FA; SBLC; DOC LC; FX
EXPERIENCE HIGHLIGHTS:
2011- 2015
Citibank, N.A.
Commercial Loan Closer II
• Ordered and reviewed Personal and Business Tax Transcripts; ordered and reviewed Credit Reports; ordered and reviewed Flood; ordered and reviewed Insurance policies: Property and Liability; Assignment Of Rents and Leases; requested Formation documents; Operating Agreement; By Laws; Physician Liability Insurance; sent and followed up on verification to banks creditor etc.; ordered and reviewed pay off.
• Wrote and circulated commitment letters; engage with banks counsels; Performs due diligence search activities
• Engaged and ordered the Appraisals and Environmental for all Real Estate Transactions. If need communicated and or supplied to the RM a vendor for the borrower to use to order Phase II environmental.
• Reviews due diligence results to assure proper vesting, loan structure, bank’s collateral position and LTV are as approved by the credit officer
• Resolves issues such as delinquent taxes, prior liens and or return loan for new credit decisions
• Maintains an effective follow up methodology to complete and coordinate receipt of all items required to move the loan to the loan closing table 1
• Promptly and accurately determines when all underwriting approval conditions for loan closing haven been satisfied
• Coordinates efforts to establish and set a loan closing date with Relationship Manager and Borrower and Attorney’s
• Communicate to attorney and RM all fees to be paid by the borrower at closing : Appraisal, Environmental; Participation Fee, Commitment Fee, Flood Fee Tax Service Fee
• Pre funds/Books all Commercial and Construction Loans.
• Clear Good Faith Accounts; Imaged all booked loans 2007-2011
Titleserv
National Post Closing Coordinator
• Reviewed all closed loans for compliance with internal requirements, bank requirements and Federal guidelines
• Followed up with Attorneys, Title Closers and borrowers regarding missing or not signed documentation
• Cleared all funding conditions listed in the banks closing instructions for disbursement
• Checked and balanced Settlement Statement for disbursement of funds/ final approval to disburse all bank wires and mailed all checks out to payee
• Tracked all purchased loans for required legal documentation
• Logged & submitted to the recording department all Mortgages, UCC, Deeds Transfer Docs, Assignments, Subordinations, CEMA; Bank Exchanges
• Complete documentation by preparing the post closing checklist and circulating it to the Closing Attorneys and Title Closers. Monitor tracking reports to identify missing and incorrect collateral documents and ensure files are complete for shipping 2006-2007
Fidelity Mortgage Bankers
Closing Department Manager
• Directly responsible for managing all Administrative and Financial functions of a major mortgage company closing department, with an annual budget $25M
• Managing the preparation, monitoring, control and forecasting of the department’s operating and capital budget
• Supervising the department’s personnel functions including approval of closings, funding, payroll, interviewing, selection of hiring and training for my department staff, banking department complaints, Customer service, responsible for the audits. 1999-2006
FHB Somerset Investor corp. DBA Somerset Mortgage Bankers Mortgage Processor/Jr. Underwriter
• Responsible for entering, updating, reviewing and completing the information from the loan application into the system (encompass).
• The preparation of the loan to go to closing the tasks include: payoff’s, pay history, 4506,VOD, VOR, VOE, Union Letters, Award Letters form Social Security Department, Credit Supplements, Flood, Flood Insurance and Insurance, Customer Service
• Saved the company from $18,000 in pre pay fees that was not indicated on the payoff 2
• Saved the company $30,000 from a loan that was in forbearance.
• Directly responsible for QC of all files,Legal Review for the company and shipped files to the investors
• Directly handled the sale of loans to other banks along the Closing Manager and Underwriter Managers.
1997-1999
Frost & Sullivan International Marketing Firm
Account Executive - Biopharmaceutical Sector
• Directly responsible for opening and maintaining new accounts.
• Sold passports for seminars to all the VIP’S and Presidents of Fortune 500 Company.
• Trained “new employees.Cultivated client relationship, increased customer satisfaction and repeated sales
• Created a rotating system for all executives to increase sales of old accounts. This brought up sales by 30%.
Education
Bachelor of Science, State University Of Old Westbury, Old Westbury, NY Technical & Language Skills
• Proficient computer literacy in Excel, Microsoft Office, Internet, Outlook, Social Media 1
• Fluently bilingual in English and Greek
3
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