Torenna Oliver

*** ********* ** ***** ******* TX 75051 318-***-**** cell PROFESSIONAL EXPERIENCE

Paramount Residential Mortgage Group; Corona, CA; Closer/Funder (Fully Remote) 07/20-11/23

Prepare final closing package once file is ready for closing; work with Escrow/Title agent for scheduling, balancing of the Closing Disclosure and wire amount; make sure all conditions are met and signed off, locks are current and no Compliance fails; work with Brokers, Account Managers and Title agents to resolve any closing issues; prepare and send initial CDs to the borrowers for acknowledgement; Responsible to make sure loan package is error free before drawing docs and sending to Title Agent; order wire and give authorization to release funds once review of signed documents is approved; responsible to close Conventional Loans, FHA, VA, USDA, and Non-QM loans for all states; consistently met and exceeded monthly quotas Sprout Mortgage; Irving, TX; Mortgage Closer/ Team Lead 07/17- 07/20 Draw closing documents to send to Escrow/Title Company; worked with Processors, Loan Officers, and Brokers to ensure the closing docs were accurate and with guidelines; Scheduled closing dates, prepared preliminary and final CD/Hud1s and loan packages for loan programs types including Conventional, Government and Non-QM loans; Balance and prepared wires, gave authorization to disburse funds to Title agents; Worked many high priority and rush loans on a daily basis; also trained new hires in the closing process Pacific Union Financial Inc., Dallas, TX: Senior Closer/ Funder 09/16- 7/17 Prepare and send Initial Closing Disclosure to borrower according to TRID timelines; Responsible for preparing final closing package once file is cleared to close; Review files and communicate to escrow/title and broker expected turn time for funding review; send final closing package to title company; Balance and prepare the wires, give authorization for release of funds, balance funding, coordinate post funding discrepancies; Adhere to TRID guidelines on Conventional, FHA, VA, and TX loans; maintain and process a pipeline of 50-75 loans monthly

CitiMortgage, N.A.; Jacksonville, FL; Mortgage Closer II 08/12- 09/16 Prepare loan closing documents for signing on Conventional loans, FHA, VA, USDA, and Refinance loans; request changes needed for hud-1 approval from title agent and deliver final closing package to title agent/attorney; Review and approve Hud-1 prepared by title agent/ attorney to ensure all fees are completed and all other closing condition requirements have been met; Manage a pipeline of loans with required closing timeframes; Submit request for funding of the loan; Perform quality review and audit of files which includes: TILA review, GFE/HUD review, document expirations, escrow determinations, cash to close review, title vesting, etc.; Extensive knowledge of new TRID procedures; preparation and reconciliation of the Closing Disclosure; balance and order wire request

Bank of America, NA; Jacksonville, FL; Mortgage Specialist II 04/10- 08/12 Service inbound calls regarding mortgages in customer contact center; Answer questions and educate customer on issues related to loan documents, mortgage payments, loan modifications, default prevention, payoffs and escrow accounts; Process and respond to email request from the borrower

Customer Service/Sales Representative 02/10- 04/10 Served as first line response for incoming customer calls from Bank of America clients calling in for assistance with their checking, savings, and credit card accounts; Responsible for educating customers on bank procedures and policies regarding fees and other bank-related issues; AT&T; Shreveport, LA; Business Sales Associate 07/04 – 12/09 Answered incoming calls in fast-paced call center environment regarding phone service issues; Sold total business solutions packages to small businesses based on their phone, data and wireless needs; Kept a broad knowledge of wireless solutions, rate plans, products and services, and selling skills; Consistently met a sales goal of $10,000 monthly CenterPoint Energy: Shreveport, LA; Call Center Representative 03/01- 07/04 Handled customer calls regarding new service, transfer service, billing questions, and problems for a large gas utility company; Set up new accounts using SAP system, researched credit scores, and charged deposits accordingly; Made outbound calls to collect on delinquent accounts and set up payments arrangements as needed; worked as a SME to train new Call Center Representatives

EDUCATION/TRAINING

Louisiana State University in Shreveport; Shreveport, LA; Education Major; 51 hours Draughon Business College; Shreveport, LA; Office Specialist; Certificate