Christina Phaunef

**** ********** ***** ********, **** 43204

614-***-****

ad0o90@r.postjobfree.com

Professional Summary

•Mortgage Loan Closer offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity, focused on customer service, efficiency and achievement. Goal-oriented, multi-tasker, skilled at working independently under the right deadlines. Trained in entry level management leadership and customer service, Excellent analytical and communication skills. Quick learner of banking systems. Current Systems used Laser pro, Apstar, Encompass

01/11/2021 – 10/05/2023

Sr. Mortgage Loan Closer

Evolve Bank and Trust – 38119,TN Remote

Responsibilities

•Process Residential Loan Closings, prepare documents, Due diligence review, Prepare Trid Closing disclosures, Finalize Closing disclosures. Reviwed all requirements from Underwriter to properly Close loans

•Work closely with Title Companies, Brokers, Attorneys to finalize Closing Disclosure fees and Funds to close. Ensure proper closing documents for signature

•Purchase and Refinance Transactions, FHA, VA, Bond Loans, Conventional Loans, Investment,

2nd Homes

•Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act

•Review all pre-closing documentation, including but not limited to Operating Agreements, Trust Agreements, POA’s, Master Condo policy's, HOI Dec Pages, Flood Determinations, Flood policy’s, Pud, Condos

•Title Searches/Title Commitments obtained all necessary collateral reports and information required to meet the terms and conditions of credit approval and of government agency requirements.

•Ability to review and understand Appraisals

•Prepare all required closing documents for all loan types

•Obtain verification of employment

•Image all documentation to our database Encompass

•Input daily wires for loans in funding

•Perform other duties as may be required

•Close and fund Consumer Loans in accordance with all Bank and Invester regulations

•Maintain a production queue of mortgages loans average 50 to 100 loans

•Worked closely with Loan Officers, Processors, Underwriters, Title Companies, Attorneys and Realtors

•Service in all States

04/2015 to 12/2020

Sr Mortgage Loan Closer

Union Savings Bank – 43235 Ohio Responsibilities

•Process Cosumer loan closings, prepare documents, prepare Prelim Closing Disclosures, and Finalize closing disclosures for Purchases and Refi’s, Finalize HUDS

•Constructions deals, Investment properties, Condo’s, Lot Loans, Blanket/Bridge loans, review signed settlement statements (HUD-1) Prepare Prelim Closing Disclosures, finalize Closing Disclosures, (prepare notes, mortgages, arm riders, balloon riders, 1-4 Family Riders, Pud Riders, Condo Riders, Second Home Riders, Truth-In-Lending, GFE’s, Right to Cancel, Initial Escrow Statements and Aggregate Disclosures, Closing Protection Letters, Satisfactory Surveys.

•Title Searches/Title Commitments obtained all necessary collateral reports and information required to meet the terms and conditions of credit approval and of government agency requirements.

•Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act

•Close 80 to 150 loans a month

•Calculate credits, charges and GFE verification

•Trid Closing Disclosures and Finalize Closing Disclosures

•Work with Realtors, Loan officers, Attorneys, Title companies, Brokers, Underwriters, Loan processors and Realtors

•Servicing States: Ohio, PA, West Virginia, Kentucky, Michigan

07/2010 to 04/2015

SBA/Conventional Mtg Loan Processor/Closer

Huntington National Bank - 43219, Ohio

Responsibilities

•Successfully closed on average 60 plus loans per month

•Reviewed and edited loan agreements to ensure accuracy

•Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act

•Conducted UCC Searches and created environmental reports as part of the loan process

•Maintained strict confidentially of bank records and client information

•Maintained friendly and professional customer interactions, Originated, reviewed, processed closed and administered customer loan proposals

•Title Searches/Title Commitments obtained all necessary collateral reports and information required to meet the terms and conditions of credit approval and of government agency requirements.

•Work with Title collateral, commercial real estate, construction, purchase and refinance

business acquisitions.

•Prepare all documentation necessary to properly close and document government guarantee business loans

•Ensured proper loan and collateral documentation by staying abreast of documentation

•Monitors and directs monetary disbursements as well as involvement in post/closing quality monetary disbursements as well as involvement in draws, disbursements until loan is fully funded.

•Senior position to help other employees meet their goals, answer questions and guide them in the right direction

•Flood reviews, flood insurance, life insurance policies and acknowledgments/assignments, title

vehicles. Worked with attorneys for documentation language if needed for out of footprint states.

•Service the following states, Ohio, Indiana, Kentucky, West Virginia, PA, Michigan, NY, NJ, CT. Systems used, Apstar, Laser Pro, T-soft, AFS, Lotus notes, Lexis Nexis, Word, Web Tool, Secretary of State, IRS, Credit Bureau, CIP customer information

06/1997 to 06/2010

Paralegal/Senior Credit Delivery Loan

Coordinator JPMorgan Chase Bank – 43209, Ohio

Responsibilities

•Successfully closed an average of (60 plus) loans per month

•Reviewed and edited loan agreements to ensure accuracy

•Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act

•Conducted UCC searches and created environmental reports as part of the loan process

•Maintained strict confidentially bank records and client information

•Maintained friendly and professional customer interactions. Originated, reviewed, processed closed and administered customer loan proposals.

•Title searches/Title Commitments Obtained all necessary collateral reports and information required to meet the terms and conditions of credit approval and of government agency requirements. Works with title collateral, commercial real estate, construction, and refinance and business acquisitions.

•Prepare all documentation necessary to properly close and document government guarantee business loans. Ensured proper loan and collateral documentation by staying abreast of documentation.

•Monitors and directs monetary disbursements as well as involvement in post/closing quality monetary disbursements as well as draws disbursements until loan is fully funded.

•Senior position to help other employees meet their goals, answer questions and guide them in the right direction.

•Flood reviews, Flood insurance, life insurance policies and acknowledgments/assignments, title

•vehicles.

•Work with attorneys for documentation language if needed for out of footprint states. Serviced Ohio, Indiana, Kentucky, West Virginia, PA, Michigan, NY, NJ, CT.

•Systems used Apstar, Laser Pro, T-SOFT, AFS, Lotus Notes, Word, Lexis Nexis, Web Tool, Secretary of State, IRS, Viewed CBR’s, CIP customer information satisfaction, Banker Originator satisfaction.

02/1994 to 06/1997

Senior Title Search/Title Commitment document processor Title First Agency – 23215, Ohio

Responsibilities

•Prepared Title Searches, Title Commitments for several bank and brokers. Processed recorded mortgages and deeds

•Prepared HUD statements

•Shadowed expert title examiner at the courthouse to learn their process to search customer database.

•Assisted in closings and prepared mortgages.

01/1993 to 01/1994

Sr. Loan/Aps/Credit Reports

CBC-Columbus Credit Bureau – 43210, Ohio Responsibilities

•Answered an average of (50-100) calls per day by addressing customer inquiries, solving problems and providing new product information

•Ensured superior customer experience by addressing customer concerns, demonstrating empathy and resolving problems on the spot.

•Reviewed Credit Reports for businesses of Elder Beerman, Mack Tools, Victoria Secrets,

Processed Student Loans.

Education

•East High School: High School Diploma: C.E.O. Business classes, 1993

•Kaplan University – Florida: Associate of Arts: Paralegal, 2007

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