FASHIA FLOWERS

acyeb2@r.postjobfree.com

NMLS # *405706

*** **** ***** ** ******** CA 91740

626-***-****

SUMMARY

Result driven, goal oriented professional with extensive diversified experience from training, negotiations and project management.

Highly skilled at problem identification, resolution and maintaining open communication. Proficient in business practices including

compliance, gathering and reporting. Attributes include presentation skills, communicative skills, dynamic customer service skills and

outstanding interpersonal skills with innovative problem solving ability, and ability to work independently and within a team.

PROFESSIONAL EXPERIENCE

Closing Coordinator -02/2016-Present

Greenlight Loans-Irvine, CA

Working with automated underwriting systems (DU/LP) and major loan origination systems (Encompass)

Analyze credit, income, asset and collateral documents to submit files to underwriting

Calculate income for qualifying, including self-employed income analysis

Clear loan conditions and communicate effectively with team

Ability to work effectively under specific time constraints

Ability to work independently

Communicate with borrowers and third parties to obtain loan documentation

Ability to operate in a fast paced environment

Setting and maintaining proper expectations with all parties on the loan file

Knowledge of State/Federal regulations to maintain loan file compliance

Effectively manage loan pipeline at various volume levels

Loan Officer -09/2015-02/2016

American Advisors Group- Orange, CA

Executed the loan origination process via dialer and inbound calls, including ordering credit reports and.

Preliminary title reports.

Reviewed appraisals for value and any outstanding repairs needed.

Educated customers on the variety of loan products.

Discussed rate and advantage to customer.

Submitted all required conditions needed for file to close to processing

Adhered to all federal and state compliance guidelines relative to mortgage lending.

Modifications/REO Dept./Processor/Funder-10/2011-01/2015

PennyMac Moorpark, CA

Handled all aspects of REO and Modification Dept. closing process which included verification of Title commitment.

Followed up on clearing any title issues and consulted attorney as needed. Reviewed contracts and performed analysis of

contract terms, ordered survives, verifying hazard/flood insurance, ordering pest and termite inspections, verifying

liens/judgments and reviewed HOA information, if applicable.

Depending on volume, also required to handle audit of account ledgers, disbursement of files, transmittal of documents for

recording, mailing of payoff funds and scanning files.

Maintained daily communications with sellers, buyers, brokers, lenders and internal co-workers regarding status of

closings. Also contacted homeowners proceeding with Modifications to provide status and approval of completed

Modification.

Maintained notes within the file and clients website as to the progression and status of closing.

Short Sale Processor/Project Analyst10/2010-08/2011

LDT Investments Granada Hills, CA

Analyzed current sales using NDC Data, MLS etc.

Generated weekly project status reports by utilizing a query within Access and exporting into Excel, creating pivot tables,

charts, graphs, and ad hoc reports. Provided project tracking with the team for utilization and management environment.

Consulted, advised, assisted, and provided recommendations for sellers. Scheduled and participated in site visits in

collaboration with Lenders and Appraisers.

Analyzed and quality review invoices for tracking associated costs and identification of discrepancies. Reviewed and

processed invoices. Reconciled invoices, charges, and ensured proper documentation were provided in compliance with the

executed contract agreement. Generated and finalized documents, memos and correspondence prior to routing invoices to

upper Management for payment approval.

Mortgage Processor-05/2010-10/2010

MetLife Home Loans (Contract) Agoura Hills, CA

Analyzed financials for qualifications submitted and performed all customer contact on a pipeline of 45-55 loans monthly.

Specialized in the SAM method for Self Employed Borrowers.

Processed Streamline & Purchases through FHA Connection/HUD website.

Familiar with the new RESPA guidelines.

Responsible for running DU and LP and validating all finds.

Opened files to include ordering Escrow, Title and Appraisals.

Loan Coordinator/Processor -05/2005-04/2010

A Plus Financial Solutions El Monte, CA

Primarily responsible for submitting loan files to approved lender for approval.

Processed Conventional & FHA Loans. Fulfilled all prior to Docs and Funding Conditions.

Ordered Title, Escrow, Pay offs, VOEs, VORs & VOMs.

Coordinated Loan document signing with clients and Notary.

Reviewed loan docs prior to funding.

Worked closely with Management in regards to compliance; departmental guidelines; and sales standards were met or

exceeded.

Funder/Doc Drawer- 01/2003-04/2005

Home American Credit West Hills, CA

Alerted Underwriters of any outstanding conditions needed prior to funding.

Reviewed all documents assure verbiage; names, city and title holding where correct and signed correctly.

Prior to funding fulfilled all required conditions needed to close.

All loans closed in compliance with company and governed standards.

Coordinated closing with Escrow Agents.

Issued funding wires in correct amounts for table funding.

TECHNICAL SKILLS

Doc Magic Lotus Notes 6.0 & 8.5 Microsoft PowerPoint

Calyx-Point Active Directory Microsoft Project

Genesis Microsoft Word Microsoft Outlook

Encompass Microsoft Excel Microsoft Windows XP

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