CHARYSSE GILLIAM

Charlotte, NC

973-***-****

Email: ad1zbe@r.postjobfree.com

STRENGTHS:

High level of maturity, dependability and initiative demonstrated through successful professional performance. Ability to interface with people at all levels forgoing consensus and synergistic cooperation.

SUMMARY OF QUALIFICATIONS:

26 + years of creative and productive mortgage experience with the Mortgage industry including Life Insurance. Experience in Mortgage Processing, FNMA, FHA and VA loan experience, Underwriting (Level I), Closing, Post-Closing and Loan servicing. Processing pipelines of over 80 loans a month and responsible for sending 30 loans per month to closing. 19+ years of Office, Call Center and Customer Service. Proficient in Microsoft Office: Word, Excel, QuickBooks. Mortgage systems: WIN Pro, Doc Magic, Encompass, Mortgage Ware, Easy Lender, and Calyx Point. Effective negotiator who fosters strong business relationships. Ability to multi-task and work in a fast-paced environment.

PROFESSIONAL BACKGROUND:

9/2021 – Present

5th 3rd Bank Charlotte, NC

Mortgage Closer/Funder

Cleared files to close in accordance with company. Investor, and federal guidelines for compliance with rate and term consumer disclosures.

Worked in conjunction with loan officers, processors and underwriters to coordinate the resolution of all closing – related investor suspense issues.

Generated closing packages, ensure their proper execution and post close and confirm that all conditions have been met prior to granting funding authorization.

Professional ability to conduct in person closings with borrowers in a masked setting.

8/2020 – 8/2021 Remote

Homepoint Financial (Employment Agency)

Processor/Closer

Ensure timely movement of closings of approved loans through pipeline management.

Consistent contact with Title Companies, Attorneys, Loan Officers, Processors and Insurance Companies to obtain documentation necessary to complete closings.

Monitor loan status on a daily basis to ensure timely and efficient standards are achieved.

Quality review of pre-closing documents to ensure all documentation is correct to complete closing packages and stay in compliance.

Ability to complete Closing disclosures and Change of Circumstance documents.

4/2020 – 8/2020 Remote – California

New American Funding (Employment Agency)

Processor/Closer

Self-starter that can proactively manage projects and multiple priorities.

Work both collaboratively and autonomously with minimal supervision on broadly defined assignments.

Operate with tact and diplomacy in situations of conflict and controversy.

Demonstrate excellent communication and presentation skills.

6/2019 - 3/2020 Iselin, NJ

Provident Bank (Employment Agency)

Junior Underwriter, Processor/Closer

•Work directly with customers and loan officers to ensure high customer satisfaction.

•Maintain system accuracy, issue proper disclosures as required by federal regulatory compliance and review rate lock and point objectives for accuracy

•Set up files and order all necessary exhibits for appraisals and credit reports

•Prepare and calculate income and assets thoroughly before submission to underwriting

•Order and review title insurance, appraisals, loan payoffs, flood and tax certificates and surveys, and thoroughly review all documents before submission to underwriting.

•Process and prepare all closing documents to ensure proper funding.

11/2018 – 5/2019

United Nations Federal Credit Union Long Island City, NY

Processor/Post-Closer/Loan Servicing (Employment Agency)

•Process loans for closing.

•Service loans for loan accounts for UNFCU Members including issuing credit for accounts.

•Keep records for accounts that are closed and paid off.

•Post close files for all closing documents that are received and request additional documentation if needed.

•Bookkeeping of loan accounts for Member services.

2/2018 – 10/2018

Neighborhood Housing Services of New York City New York, NY

Processor/Closer/Post-Closer

•Attend various Workshops for Clients to Apply for Mortgages and Rehab Loans.

•Interview clients, determine eligibility by reviewing Credit Reports, bank statements and income. Obtain documents and process applications from clients to complete loan process.

•Review all applications for initial compliance and enter data into Encompass.

•Process all loan files for closing and compliance with RESPA, TIL and Closing Disclosures.

•Contact with Contractors, Attorneys, and Insurance and Title companies to resolve any issues at time of application.

•Maintain pipeline by rate locks and closing dates to stay in compliance and organize workflow.

•Post-Close the file and follow up on any missing documents.

8/2016 – January 2018

Movement Mortgage Indian Land, SC

Processor/Closer

•Meet and greet with Loan Officers and Loan Officer Assistants.

•Extremely high volumes for Purchase Loans.

•Ordered Title and Appraisals. Complete review and clear Title to ensure accuracy for loan information. Review the Appraisals and clear conditions for any requests from the Underwriters.

•Served on Loan-Processing team that achieved Star Awards for increased loan production by 12% in 2017.

•Facilitated closing and disbursement for conventional, FHA and VA mortgage loans.

•Gathered closing figures, input closing information and generated loan documentation.

•Coordinated with buyers, sellers, title companies, attorneys, escrow agents, surveyors and real estate agents to complete loan submissions and set up closing date and time.

•Meticulous in delivering error-free documentation and ensuring compliance with company policies and regulatory requirements.

1/2015 – 8/2016 Charlotte, NC

Amerisave Mortgage Corporation

Processor/Closer

•Responsible for pulling credit reports, calculate DTI, send loan through the AUS/DU.

•Prepare disclosure documents; verify home owner’s insurance and taxes, order appraisals and Title.

•Ensure that HOI has 100% replacement costs and Mortgagee Clause. Ordered Full Master insurance policies for Condos and master certificates.

•Increase or decrease loan amount to include in closing costs fees, re-order title and run adjusted calculations through AUS/DU.

•Complete loan process through DU and underwriter findings by obtaining required documents to remain in compliance with underwriting and processing requirements.

•Input loan information into the system for processing, responsible for ensuring that all loan documentation is complete and accurate in a timely fashion.

•Once processing is complete, schedule closing date with borrower, title company or attorney. Calculate funding date. Prepare closing packages to be sent.

•Responsible for TRID disclosures.

1/2013 – 12/2014 Metuchen, NJ

Metuchen Savings Bank

Processor/Closer

•Process Refinances and Purchases. FHA, Conventional and VA mortgage loans.

•Analyze and record all incoming documents for loan eligibility.

•Verify and validate supporting income, assets, and liabilities by using Underwriting procedures.

•Post close file after closing has been completed.

•Keep all loans in compliance by following all guidelines by state law and FNMA.

•Maintain open communications with customers, attorneys and title companies to obtain any documents needed for processing and closing.

4/2012 - 12/2012

Fortren Funding LLC Livingston, NJ

Senior Loan Processor

•Process Conventional, FHA and VA loans for Closer’s.

•Process loan documents for scanning and Post Closing.

•Responsible for Closing Binders by processing Notes, Mortgages and Guarantors.

•Proofreading and preparing loans to submit in a timely manner to various lenders.

•Process loan documents and implementing Underwriter’s guidelines.

•Great working knowledge of DU/LP (Desk Underwriter and Loan Prospector).

8/2011 – 3/2012

Provident Bank Edison, NJ

Loan Servicing / Processor

•Process conventional, FHA and VA loans for Closer’s.

•Process loan documents for scanning and Post Closing.

•Responsible for Closing Binders by processing Notes, Mortgages and Guarantors.

•Making spread sheets for all loan documents.

•Responsible for using DU/LP for Underwriting process.

•Responsible for Risk Rating files; Files that are at risk from 7 and above.

•Responsible for all Notes from loans and keep records for Note Vaults.

10/2009 – 2/2011

Wells Fargo Home Mortgage Charlotte, NC

Loan Receiver/Processor

•Review borrower and attorney information and enter into the system.

•Review appraisals and check the accuracy of data in the system.

•Process and review the NEW GOOD FAITH ESTIMATE and FEE DETAILS forms and decision the fees for clearance for file to proceed to underwriting.

•Contact attorneys and review the NEW GOOD FAITH ESTIMATE and FEE DETAILS to ensure accuracy.

•Process and proofread fees and assign to files to underwriters.

2/2008 – 6/2009

Center for Neuropsychiatry East Point, GA

Medical Assistant/Billing and Coding

•Patient intake.

•Administer medications (including shots), take vitals.

•Process medical bills for insurance (Medicaid and Medicare).

•Schedule appointments for patients.

5/2006 – 5/2009

Property Specialist, Inc. Atlanta, GA

Mortgage Specialist/Office Manager

•Contact borrowers and loan officers to process documents.

•Order and Review appraisals and clear title.

•Search for properties.

•Prepare loans for closing.

9/2005 – 4/2006

DITECH Garwood, NJ

Closer/Funder

•Prepare loans for closing.

•Order and Review appraisal and clear title.

•Schedule loans for closing. Close loans and process for funding.

3/2002 – 8/2005

IVY MORTGAGE Branchburg, NJ

Closing Department

•Post closed loans and made separate packages for different departments following disbursement dates.

•Prepared loans for shipping.

•Contacted attorneys for checking figures on HUD-1’s; Review appraisal amount.

•Completed training class for closing position. Assisted with closing loans.

8/2001 – 2/2002

WELLS FARGO HOME MORTGAGE Cranford, NJ

Mortgage Specialist

•Review applications, appraisals and credit reports and bank statements for mortgage loans.

•Decision loan information and process paperwork for mortgages.

•Order Flood Certifications and Homeowners Insurance, Title Binders, etc.

•Consistent communication with attorneys, applicants, loan officers and mortgage vendors.

•Ability to process and close Conventional, FHA and VA loans. Underwriting ability for processing quick close refinance loans.

10/2000 – 7/2001

SUMMIT MORTGAGE Parsippany, NJ

Mortgage Assistant

•Process new loans for distribution for loans processors.

•Review file information for mortgage specialist including ordering and contact with vendors for titles, insurance, etc.

•Prepare closing packages, commitment letters and approval letters for new loan applications. Review appraisals.

•Maintain records for lock-rate expiration dates and closing date.

1/1999 – 9/2000

MFS /EZ PASS Secaucus, NJ

Image Review Specialist

•Review images of license plates of toll violators sent through Micro Fiber Optics.

•Process violations and prepare APR for payments to send to toll violators.

•Responsible for tracking information from DMV for violation processing.

•Researched accounts for Accounts Payable/Receivable for violations processing.

1/1996 – 12/1998 West Caldwell, NJ

RICOH CORPORATION

Administrative Assistant

•Processed various accounts for customers over the phone in a timely manner.

•Researched house for Accounts Payable/Receivable matters.

•Handled various projects in different departments from accounting to programming.

•Maintained telephone inquiries from various clients and companies.

EDUCATION:

2007 - 2008

Javelin Technical Training Center Morrow, GA

Medical Office Expert (Clinical)

1997

Union County College Career Institute Elizabeth, NJ

Certification – Word Processing/Secretarial

1992 – 1994

Union County College Cranford, NJ

Certification – Business Management/Nursing

1988 – 1989

Cittone Institute Edison, NJ

Certification Program – Court Reporting

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