Brenda L. Vanderlip

*** ***** ***** ****** ad06tv@r.postjobfree.com Lakewood, CO 80226 720-***-****

OBJECTIVE

Seeking full-time position

SKILLS AND EXPERIENCE

Strong team player with a unique combination of Escrow, Broker and Lender experience seeking a full-time position. FHA, VA, USDA, CHFA, Bond, HUD 184, and Conventional background.

Experienced with Encompass, LIS, Excel, Word, Outlook, and Adobe Acrobat. Excellent Customer Service.

Responsible for Conventional, VA and FHA refinance and purchase transactions, gathered and reviewed all necessary documentation, ensured all outstanding conditions were or could have been met, prepared closing documents, reconciling and approving, Closing Disclosure or HUD-1 settlement statement, balanced wire amount with title agent and utilizing multiple programs and applications for closing and vendor communication.

PROFESSIONAL EXPERIENCE

Planet Home Lending 8/20 – 11/23

Closer

•Prepared appropriate disclosures and documents necessary for each closing.

•Addressed questions regarding the closing process and requirements.

•Resolved issues and cleared closing conditions from the underwriting approval prior to mortgage loan closing.

•Reviewed and approved Closing Disclosure (CD) or HUD 1 settlement statements with correct fees and charges, while complying with TILA and RESPA.

•Ensured strict quality assurance of mortgages by working closely with loan officers, underwriters, and attorneys to guarantee compliance with Fannie Mae and Freddie Mac guidelines.

American Pacific Mortgage Company 7/20 – 8/20

Closer/Funder

•Assembled, prepared, and verified closing documents. Coordinated all aspects of the closing process, ensured that all terms of the transaction were correct.

•Prepared and balanced figures on the closing disclosure with the title officer.

•Prepared the closing documents and forwarded to the title agent or notary and balanced the wire.

•I reviewed the signed closing documents to verify accuracy.

The wire was sent, and funding authorization is given to the title agent for wire disbursement.

Zions Bank 5/17 – 6/20

Closer/Funder

•Assembled, prepared, and verified all closing documents. Coordinated all aspects of the closing process, ensured all terms of the transaction were correct.

•Prepared and balanced the closing disclosure with the title officer.

•Prepared the closing documents and sent to the title agent or notary and balanced the wire.

•I reviewed the signed closing documents verifying accuracy.

Wire was sent and funding authorization was given to the title agent for wire disbursement.

Urban Lending Services 08/16 – 5/17

Operations Manager – Closing

•I was responsible for the day to day functions of running the closing department with five direct reports.

•Third party vendor for conventional loan products. Offered end to end mortgage outsourcing.

Eagle Home Mortgage 04/16 – 08/16

Closer/Funder

•Assembled, prepared, and verified closing documents. Coordinated all aspects of the closing process, ensured that all terms of the transaction were correct.

•Prepared and balanced the closing disclosure with the title officer.

•Prepared the closing documents and sent to title agent or notary and balanced the wire.

•I reviewed the signed closing documents to verify accuracy.

•Wire is sent and funding authorization is given to the title agent for wire disbursement.

Zions Bank 10/15 – 04/16

Closer/Funder

•Assembled, prepared, and verified closing documents. Coordinated all aspects of the closing process, ensured that all terms of the transaction were correct.

•Prepared and balanced the closing disclosure with the title officer.

•Prepared the closing documents and sent to title agent or notary and balanced the wire.

•I reviewed the signed closing documents to verify accuracy.

•Wire is sent and funding authorization is given to the title agent for wire disbursement.

Wells Fargo HOME MORTGAGE 08/11 - 10/2015

Closer/Funder

HUD 184 Native American Lending

•Audited files for accuracy and compliance with Bureau of Indian Affairs, Tribe, State and Federal requirements.

•Communicated with escrow, title, or attorney’s offices for coordination of loan closing.

•Produced closing documents according to state/tribal requirements.

•Prepared documents for single close construction loans

•Printed and e-mailed documents for delivery to closing agent.

•Verified accuracy of estimated HUD-1, making appropriate corrections.

•Reviewed executed loan documents for accuracy and completeness prior to sending wire for funding.

Wells Fargo & Co. Robert Half International 11/09 – 08/11

Loan Processor

•Processed conventional, FHA and VA loans.

•Ensured completeness of file and accuracy of information.

•Input and updated AU systems such as FNMA DU/DO, FHLMC LP and Countrywide CLOUT.

•Ordered and followed up on verifications of employment, deposit, rent, mortgage, and insurance.

•Ordered and followed up on title, appraisal and flood and all third-party documentation needed.

•Prepared transactions for closing.

•Communicated extensively with broker, loan officer, borrower, and all third-party service vendors.

•Reviewed applications for completeness.

Total Processing Solutions, 9/07 – 4/09

Loan Processor

•Processed conventional, FHA and VA loans.

•Ensured completeness of file and accuracy of information.

•Input and updated AU systems such as FNMA DU/DO, FHLMC LP and Countrywide CLOUT.

•Ordered and followed up on verifications of employment, deposit, rent, mortgage, and insurance.

•Ordered and followed up on title, appraisal and flood and all third-party documentation needed.

•Readied transactions for closing.

•Communicated extensively with broker, loan officer, borrower, and all third-party service vendors.

•Reviewed applications for completeness.

•Proficient in processing systems such as Encompass and Calyx Point.

Fieldstone Mortgage Company, 5/07 – 9/07

Closer/Funder

•Audited files for accuracy and compliance with local, state and federal requirements.

•Communicated with escrow, title or attorney’s offices for coordination of loan closing.

•Produced closing documents according to state requirements.

•Printed and e-mailed documents for delivery to closing agent.

•Verified accuracy of estimated HUD-1; made appropriate corrections.

•Reviewed executed loan documents for accuracy and completeness prior to sending wire for funding.

Mercury Transaction Services, 2/06 – 5/07

Recording Transaction Coordinator

•Responsible for quality control procedures for all documents being sent for recording.

•Established and maintained communications with existing title affiliates nationwide.

•Knowledgeable with recording procedures and requirements in all states and counties.

•Promoted consistency and smooth workflow within all affiliates.

Title America, 2/05 – 2/06

Escrow Closing Assistant

•Completed range of pre-closing responsibilities including residential resale and refinance transactions.

•Handled all title requirements.

•Direct communication with realtors, attorneys, lenders, buyers, sellers, private party lien holders and county offices.

Charter Funding, 9/04 - 2/05

Senior Mortgage Loan Processor

•Handled all aspects of originating a mortgage loan, beginning with initial client contact and full loan application process.

•Satisfied loan conditions and locked rates.

•Prepared loan documents.

Investment Property Funding, 9/03 - 9/04

Mortgage Loan Processor

•Analyzed incoming loan applications for accuracy and completeness.

•Obtained and input additional information as needed.

•Assisted in clearing credit report discrepancies.

•Obtained mortgage loan documents by ordering and receiving credit reports, legal descriptions, land surveys, title work or abstract, appraisals and any other required documentation as needed.

•Maintained constant communication with borrower, loan officer and loan underwriter.

•Prepared closing documents.

Cross Pointe Funding, 7/02 - 9/03

Loan Processor/Office Manager

•Handled all aspects of preparing a mortgage loan application for closing; worked closely with loan originators to ensure accuracy and completeness.

•Oversaw and assisted co-workers in accomplishing organizational efficiencies with respect to the workflow within the office.

Community First National Bank, 7/00-8/02

Loan Processor

•Handled all aspects of preparing a mortgage loan application for closing; worked closely with loan originators to ensure accuracy and completeness.

•Oversaw and assisted co-workers in accomplishing organizational efficiencies with respect to the workflow within the office.

References available upon Request

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