Thomas H. Miller

**** **** ******, #****

Vero Beach, FL 32966

acym7c@r.postjobfree.com

904-***-****

OBJECTIVE

A challenging and rewarding position within a growing organization, which will utilize my skills, experience and education, as well as offer growth opportunity. WORK EXPERIENCE

HARBOR COMMUNITY BANK

Residential Loan Closer II 08/2016- Present

Assembling Closing Packages for attorneys and title agents. Review and prepare the Closing Disclosure and authorize closing approval, providing disclosers per RESPA guidelines. Prepare Lot Loans, Construction Loans and dividend payouts, FHA, VA, Conventional loans, HARP’s. Update coverage and mortgagee clauses with Insurance Agents. Daily task include wiring funds, fax MI certs for new loans, assist with VOE request, order, update, correct appraisals.

BB&T

Mortgage Lending Closing Officer 03/2013-08/2016

Preparing Closing Packages for attorneys and title agents, review, collect and compile information for preparation of various closing reports. Review and correct the Settlement Statement to authorize closing approval, providing disclosers per RESPA guidelines. Prepare FHA, VA, Bond Loans, DAP, Conventional loans, HARP’s, and various loan products for closing. Call Insurance Agents. Daily task include wiring funds, fax MI certs for new loans, assist with updating VVOE’s and review appraisals.

Software: LPS, UniFi, BB&T Portal, Insite, Microsoft Office Suite (Outlook, Excel, Word BANK OF AMERICA/COLLABERA

Post Closer II (Contractor) 04/2012- 12/2012

Verify document completion (omissions) and correct errors on the Security Instrument and Note including MERS, title, principal, interest, maturity dates, HELOC’s... Prepare Loan Modification Agreements for the security instruments and Note Mods to be recorded. Call clients, counties, title agencies and banks for corrections and omitted documentation.

Software: Iseries(AS/400), EDGE, PCCS, Iportal, Excel, Core Logic, LandSafe. ACCOMPLISHMENTS

Fair Lending Certificate

Mitigation Trainer

Closing Certificate

NMLS #1528674