Rhoda Franklin

708-***-****

ad1pl3@r.postjobfree.com

Chicago, IL

Objective

I am currently seeking a new challenging position. I am an excellent team player. I hold and maintain the highest level of integrity without compromising myself or the company I represent

Work Experience

Bus Operator

Pace - Markham, IL

August 2022 to Present

Transport passengers on a pre-determined route and assists with route and fare information as well as boarding the bus.

Monitor the farebox to ascertain correct fare has been deposited

Complete the pre-trip daily inspection report and note any defects on the bus.

Report to dispatch via radio any route or passenger disturbances.

Record farebox readings and special passenger counts as required.

Maintain daily worksheets and complete accident/incident reports when necessary

Mortgage Closer

AnnieMac Home Mortgage - Mount Laurel, NJ

September 2020 to January 2022

Worked Conventional, FHA (including streamlines), VA, USDA, JUMBO Texas purchase, and 50a6 loan products.

Reviewed underwritten submitted documents for accuracy and compliance findings, such as 1003, appraisal, (if applicable) purchase contract and addendum, trust, poa, run Mers search, tax cert, flood cert, hoi, 4506t, income, (if applicable) mortgage insurance, run Mavent report for compliance review

Reviewed title documents for accuracy and judgments- title commitment, CPL, wiring instructions, 2015 settlement service provider list, preliminary closing disclosure

Prepared final documents to be sent to title and customer order wire

Bus Operator

Chicago Transit Authority - Chicago, IL

February 2020 to October 2020

Operated bus over an established route adhering to a pre-determined schedule in a safe, efficient, and courteous manner to allow passengers to board, travel, and alight at scheduled stops

Mortgage Closer

Chase - Downers Grove, IL

April 2017 to February 2020

Prepared closing packages utilizing various company-based software

Ensure compliance with investor guidelines and underwriter requirements

Reviewed mortgage notes, riders, titles, closing disclosures, and pertinent closing documents to ensure the accuracy

Obtained missing documents from borrower and/or closing agent

Addressed potential delivery delays to management to avoid rate lock expirations

Reviewed fees collected at the time of closing, compared CDs and internal system to ensure the integrity of data and authorized funding

Post Closer

Guaranteed Rate - Chicago, IL

October 2012 to January 2017

Worked as a liaison for potential lenders to correct issues to make loans saleable

Reviewed loans selected in audit for compliance with specific investor requirements and made corrections in the software system utilized (Encompass)

Obtained re-verifications of assets, employment, credit, appraisals, etc as required

Audited loan for any fraud or misrepresentation by any party

Completed monthly reports of all loans audited and communicated to all required Department Managers

Obtained feedback and responses from Department Managers and incorporated them into the final audit report

Skills

Bus Operator

Customer Service Interpersonal Skills

Team Player/Team Leader

Ten Key Recognitions

Microsoft Office Suite, Typing 50 wpm, Alpha-Numeric 10 key 10,000 – 15,000 kph

Internal Company-based Hardware systems - Reasoning and Logic,

Mortgage Express, Encompass, Calyx, Loan Processing Services Database,

Enterprise Image Viewer and Secured Content Delivery Portal

Prepared loans closing in ranges over millions of dollars

Mortgage closing, post-closing, underwriting auditing, loan processing

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