Marie Guidry

Houston, Texas

ad0621@r.postjobfree.com

Mobile 713-***-****

CAREER SUMMARY

A senior mortgage loan authority and professional, expert in compliance requirements for the origination, processing, underwriting, closing, escrow, title work, and funding for conventional and government sponsored mortgage loans. Acts as liaison between customer and all Chase internal and external partners to obtain any outstanding legal loan closing requirements and ensuring high quality service experience for all involved. Sets up and confirms loan closing date with closing Agent, legal counsel, Title Company, etc., and reviews and audits paperwork spreadsheets and calculations to confirm that all loans meet State and Federal Guidelines. Directs the legal execution of loans, and, through audits and reviews of the individual case files, the disbursement of Loan Funds; performs a final audit review of Closing Disclosure Settlement for accurate balancing prior to wire initiation. Trid Certified expertise includes complete knowledge of lending procedures, from loan origination, to loan processing, to loan closing, through total funding and disbursement. Consistently achieves top 5% scores on month-to-month closer scorecard. Production oriented, with a hands-on management style; a person who will have a positive influence on team members within a company or a department. Operations and Marketing with the builder and title companies.

PROFESSIONAL EXPERIENCE

Insurance Adjuster License 2017 – present

All lines

State Farm Auto certification passed at Eberls Dallas Tx

State Farm Property certification passed at Alacrity

Cornerstone Home Lending Houston, Texas 2015 to 2023

Post-Closing/Data Integrity Respa Auditor

•Audit loan file after the loan has been closed. Review the compliance documents to ensure accuracy and that they are fully executed and are within the guidelines. FHA/VA and Conv. Review all documents remaining in the closing package. Ensure the stability and insurance of the loan. Access Loan Soft to verify information and documentation in the file.

•Contact the Brokers, Borrowers, Real Estate Agents, Title Companies, and Closing Attorneys. Research county and state websites to obtain any missing documents, to verify the accuracy of the specific documentation. Enter data in Loan Soft completion to ship. Audit loan file after loan is closed.

•Review the compliance documents to ensure accuracy and that they are fully executed and are within guidelines Review all documents remaining in the closing package. Ensure the stability of the loan. Access Loan Soft to verify information matches information and document the file.

•Contact the Brokers, Borrowers, Real Estate Agents, Title Companies and Closing Attorneys. Research county and state website to obtain any missing documents, to verify the accuracy of the specific documentation. Enter data into Loan Soft upon completion to ship. Audit loan file after the loan is closed.

JP Morgan Chase & Co. Houston, Texas 2011 to 5/2014

Mortgage Loan Closer / Funder/ Processor

•Manage a substantial loan pipeline from case initiation through funding and assist team with escalated problem issues could impact a closing.

•Audit data entered in CLOSR (program) for accuracy and completeness.

•Prepare loan documents and ensure compliance with Federal and State laws, as well as with Bank and investor policies and procedures.

•Acted as liaison between Closing and Chase internal and external partners, including title companies, law offices, and government agencies, to ensure adherence to Chase policies, procedures, and regulations.

•Maintain consistent communication to borrower, realtor, and builder regarding status of loan closing and assist with obtaining any new necessary requirements.

•Prepare documents - VA, FHA, 203K - balance settlement statement with title, and order disbursement of funds from bank.

•Approve HUD-1 after review and audit of all executed documents for accuracy and resolve all issues which may arise prior to closing.

•Review and analyze loan files for potential fraud based upon loan structure, signature discrepancies, and other possible “red flags” that may support wrongful representation.

•Review documents and audit final funding numbers, sometimes for closing department and pending loans to be closed, in preparation for incoming and outgoing funding wires.

•Clear any compliance defects on government sponsored loans by working with other closers, processers and underwriters to correct issues in order to receive final approval

IBC Bank, Woodlands, Texas 2008 to 2010

Branch Manager

•Accountable for new business development, as well as the expansion and retention of existing customer base business. Direct, train and support a team and assist them in meeting their production goals.

•Create sales and promotional strategies which include ongoing sales presentations to local businesses.

•Audit accounts, records of proof and certification to ensure compliance with established standard Bank policies and practices.

•Ensure that quality customer service is provided at all times.

JP Morgan Chase Bank One, Houston, Texas 1997 to 2005

Senior Loan Closing Lead (2002 to 2006)

•Developed new relationships and expanded existing ones with customers through consistent communications.

•Made credit decisions while focusing on credit quality to include initial and final loan approvals.

•Evaluated collateral, appraisal, property, income and credit integrity, utilizing rapid reply or RCO scoring software.

Mortgage Loan Processor /Development Specialist (2000 to 2002)

•Managed substantial loan processing pipeline of residential mortgage loan applications for purchase and refinances.

•Initiated the lending process, application through closing, in conventional and government sponsored loans.

•Consistently exceeded the monthly departmental goal of securing at least $ 2.4 million in residential and commercial loans with builders, realtors, and commercial and residential clients.

•Created marketing materials and coordinated promotional events to increase visibility and solicit new business.

Senior Loan Closing Representative (1998 to 2002)

•Prepared closing documentation for home loans and equity lines of credit.

•Ordered title, appraisal and flood determination, as well as, evaluated title commitments coordinated the clearing of title conditions, and determined the degree of risk.

Consumer Loan Underwriter (1997 to 1998)

•Interviewed potential clients via inbound telephone calls to determine their needs.

•Processed loan applications, and communicated loan decisions by utilizing sound lending judgment.

EDUCATION

Kingwood College, Houston, Texas

•Earned credentials towards a Bachelor’s Degree in Finance or Business

Champion School of Real Estate, Houston, Texas

•Earned credentials towards Real Estate Sales License

•Earned credentials for Loan Officer certification

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