Sr. Mortgage Closer
Resume:
ad1h5q@r.postjobfree.com
***** ***** **** **. *******, FL 32824
Skills
Excellent time management
Exceptional multi-tasker
Attention to Detail
Self-motivated
Interpersonal
Microsoft Office
New York & Texas closing knowledge
Strong organizational
Polished communication
TRID & RESPA LE/CD knowledge
Education And Training
Associate of Arts:
Business Administration
Valencia College
Orlando
Joy Morris
Summary
Results-driven mortgage professional with 10+ Years of experience in loan closing and compliance. Skilled in working under pressure and meeting tight deadlines. Seeking a challenging position in a dynamic organization in need of great collaboration, interpersonal and multitasking abilities.
Experience
Loan Depot - Sr. Mortgage Closer
Foothill Ranch, CA
09/2020 - 08/2022
Examined mortgage closing documents to ensure accuracy, completeness and compliance with underwriting, lender policies, procedures, and regulatory guidelines.
Performed detailed examination of loan documents and calculated fee tolerance cures to align with RESPA and TRID disclosure requirements.
Collaborated with loan originators, processors, and underwriters to resolve any file discrepancies to ensure timeliness of closing, compliance, and loan closing document delivery.
Managed documentation risk by adhering to credit approval, pre-closing, and pre-funding requirements.
Addressed inquiries from internal and external customers professionally and calmly.
Verified proper vesting for Deed Preparation and ensured delivery of a complete closing package to Settlement Agent 24-48 hours in advance of closing.
Coordinated with Settlement Agents and Brokers to obtain required information to complete the closing process and obtain a final Closing Disclosure/HUD-1 Settlement Statement.
Flagstar Bank - Sr. Closer/Securitization Auditor
Troy, MI
03/2009 - 09/2020
Analyzed FHA, VA, and Conventional loan documentation to ensure conformance with regulations.
Validated and audited a wide range of closing documents, surpassing team quotas per week.
Performed detailed examination of loan documents to align with RESPA and TRID disclosure requirements.
Supported implementation of internal auditing practices to generate compliance reports.
Evaluated loan estimate and closing disclosure to ensure correct disclosure of fees.
Prepared and submitted completed loan packages to title and escrow professionals.
Managed documentation risk by adhering to credit approval, pre-closing, and pre-funding requirements.
Increased departmental productivity and helped reduce risk and defects by effectively training new closers on the closing and funding process.
Accomplishments
Consistently maintained high customer satisfaction ratings.
Achieved recognition for exceptional service for going above and beyond.
Closed an average of 45 mortgages per month, decreasing closing times by 33% in 6 months.
Earned continuous recognition & financial reward for maintaining less than 1% error ratio.
Promoted to Mortgage Securitization Auditor position due to excellent work quality and attention to detail.
Audited a wide range of closing documents, surpassing team quotas of 30 loans per week.
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