KURT SPINOSA

Cecil, PA ***** • 724-***-**** • ad1cvy@r.postjobfree.com

PROFESSIONAL SUMMARY

A true veteran in the mortgage industry. Goal is to seek and maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Experienced, with over 20 years in all aspects of lending. My skills combine a demonstrated ability to prioritize, multi-task and organize across a variety of formats, with over 20 years of significant responsibility in mortgage operations including Loan Closing, Title Curative, Title Policy, Settlement and Loan Processing, delivery, and compliance. Dedicated mortgage industry professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Real estate title concepts

Verification

Vesting

Software Proficiency with various mortgage industry software

Analytical and Critical Thinking

Customer Service

Problem-Solving

Cultural Awareness

Records analysis

Data Management

Decision Making

Leadership

WORK HISTORY

Title Curative Specialist

2020 Title, LLC – 3300 Technology Drive, Canonsburg, PA 06/2021 – 10/2022

Analyzed title commitments removing old mortgages, liens, judgments, and any other clouds on title

Ordered payoffs for 1st and 2nd mortgages, including HUD mortgages

Effectively managed a rolling pipeline of 150 loans

Monitored the Title Curative Inbox and answered lender email inquiries with speed and accuracy

Communicated with Attorneys in the Attorney required states with updates on clearing titles, or any major issues halting the clear to close on the title.

Identified title encumbrances and detailed plans for correcting issues and clearing titles for planned changes.

Reported findings to attorneys and client representatives via oral and written documentation.

Contacted appropriate agencies to complete searches, order records and obtain documents.

Reviewed legal documents such as mortgage loans, title liens and property easements to assess relevant property factors.

Curative Specialist and Title Policy Specialist

SingleSource Property Solutions, Noble Energy Drive - Canonsburg, PA 10/2018 - 06/2021

Skilled at clearing a Title Commitment from liens and judgments.

Ability to check the chain of title and make sure that we have the current vesting deed, recorded and on the Title Commitment.

Verifying that all taxes and homeowner's insurance are paid up to date.

Checking with the HOAs to ask them to provide documentation for the new buyer about the HOA and to verify with them that all HOA fees and dues are paid current.

Complete a careful review of all recorded mortgages and deeds, review of the title commitment and HUD/CD/ALTA before creating either a loan policy or an owner's policy.

In creating the loan and owner's policy jackets, I would go to the title policy company website and enter all pertinent information, generate the policy jacket and save it to the files.

Using the recorded mortgage or deed, the title commitment and the HUD, CD or ALTA, I would create the Schedules A and B for the title policy, create the policy jacket and upload the final policy to the files.

Fantastic communication skills with the Attorney States that had to sign the policy, providing them with the documents and requesting Invoices for the Final Gap Update and policy signing fees.

request invoices and issued checks payable to the attorneys.

Contacted appropriate agencies to complete searches, order records and obtain documents.

Issued titles and protected mineral rights.

Senior Loan Processor II

Clearview Federal Credit Union - Moon, PA 02/2017 - 10/2018

proven ability to disclose, especially including the loan estimate and the closing disclosure within the correct TRID timeframes.

Required to complete a detailed income analysis for W2 and self-employed borrowers prior to submission to underwriting for initial review.

Completed extensive file reviews on a variety of loan products such as: 1st lien position loans, 2nd mortgage fixed rate, and HELOC loans, both Purchases and Refinances.

Requested all the following documents from various third parties: Homeowners Insurance declaration page updates, AVM for property value as well as full appraisals depending on loan amount size.

Ordered flood certifications.

Requested Condo master policies from the Condo HOA. Ordered Full Title commitments / Policies or simple property reports from vendors depending on the loan amount requested.

Made Welcome Calls to our Members and requested all pertinent information from them

Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Upheld complete confidentiality of all submitted information according to release guidelines.

Prepared documents for underwriting by verifying client income, credit reports and other information.

Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.

Maintained long-term relationships with customers to provide best-in-class customer service.

Maintained compliance with privacy and security requirements, as well as federal statutes covering all types of loans.

Checked packages for appropriate documentation.

Mortgage Loan Processor / Junior Underwriter

Urban Fulfillment Services for Suntrust Mortgage, Inc - Pittsburgh, PA 12/2014 - 02/2017

Underwriting conditions management, ability to stage loans to closing with all pertinent documents reviewed for accuracy and completeness.

Communicated with originator and applicant concerning progress of loan file.

Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Reviewed financial statements and contacted institutions and customers to clarify details.

Filed completed loan applications with underwriting and made approval or denial recommendations.

Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.

Exemplary ability with client communication, relentless persistence to accomplish goals

Adept at pipeline management of 35 plus loans per month. also Demonstrated a Proven ability to close 20 plus loans per month

Willing and able to work hard toward deadlines; team oriented with strong communication skills.

Strong Skills in processing HARP loans as well as conventional, FHA, VA, USDA and PHFA loans.

Able to complete income analysis for W2 income as well as Self Employed income, retirement, investments, and Rental income using tax transcripts and Tax Returns, entering all income into an income calculation program

Closing Coordinator / Loan Shipping Specialist

Howard Hanna Financial Services - Fox Chapel, PA 09/2013 - 12/2014

Prepared closing disclosures, post-closing records and disbursements.

Contacted appropriate agencies to complete searches, order records and obtain documents.

Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.

Maintained checklists of required documentation and open issues affecting closings.

working diligently with loan processors as well as underwriters and settlement companies to ensure a streamline effortless closing for all clients

Position requires that I maintain full engagement with changing agency and investor guidelines and provides tremendous exposure to wide variety of scenarios.

Willing and able to work hard to accomplishing deadlines; team oriented with strong communication skills.

Shipped closed loans to investors for purchase checking each loan for completeness and accuracy of all documents with meticulous detail prior to shipping to investors.

Handled as many as thirty-five closing files each month by effectively organizing, multitasking and prioritizing closing work.

Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.

Validated and audited final signed documents in accordance with state, county and investor guidelines.

National Real Estate / Secured Lending Services

Settlement Agent / Title Examiner - Pittsburgh, PA 04/2006 - 08/2013

Recognized title clearance issues prior to escalation and applied appropriate techniques for effective resolution.

Demonstration of competent ability in preparing HUD-1 Settlement statements

Documented ability to manage 40 to 50 loans per day in the pipeline with extreme accuracy and completeness.

Thoroughly examined the Title for liens, judgments, and vesting.

Recognized by management for fantastic team spirit, sharing insights, independent research and knowledge with colleagues in need of assistance with calculations, methodology, and new processes and procedures.

Acquired experience in diverse areas of loan processing, settlement, closing and title clearing.

Loan Officer / Mortgage Broker

Carnegie Financial Group - Carnegie, PA 05/2001 - 03/2006

Originated, reviewed, processed, closed and administered customer loan proposals.

Recommended loan approvals and denials based on customer loan application reviews.

Reviewed and edited loan agreements to promote efficiency and accuracy.

Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Working directly with the clients presenting them with a variety of lenders and offers.

Requested all income documents from clients, ordered appraisals, title work, scheduled closings with settlement companies, presented fees, points and interest rates to clients after lenders would make an offer.

Primarily Sales oriented position.

Submitted loan applications to underwriter for verification and recommendations.

Developed and maintained relationships with local real estate agents.

Advised clients on mortgage, education and personal loans.

Proactively identified solutions for customers experiencing credit issues.

Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.

EDUCATION

Bachelor of Science: Business Management and Administration

Robert Morris University - Coraopolis, PA 06/1985

HOBBIES

Singing Bass part in a barbershop harmony quartet

Disc Jockey for Private Party Functions.

Creating Radio Shows for internet Radio Stations.

TECHNOLOGY

Proficient in the following mortgage industry software:

Calyx Point, SoftPro, Encompass, Empower and other company specific software.

Proficient in all standard MS Office Applications.

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