Karla Mitchell www.linkedin.com/in/karla-mitchell-16a525102

Garland, TX. 75040 469-***-****

ad2dvi@r.postjobfree.com

OBJECTIVE

To obtain a position in which I can utilize my previous experience and become an asset to your company

WORK EXPERIENCE

K-Force – Dallas, Texas

Loan Review Analyst III Mar 2023– Aug 2023

Responsible for the pre-purchase review of Conventional, Non Conforming, FHA, and VA loan files to ensure file contains the designated set of documentation using the following

File contains all required documentation and meets acceptable Underwriting (DU, LQA and Fraud) standards and complies with established guidelines •Using inventory checklist to ensure loan files are complete and accurate

Accurately reviewing loan documentation and collateral files •Verifying accuracy of data between documents and systems

Achieve a minimum of 95% Productivity, 85% Quality, 90% completion within SLA Qualifications Essential Skills

Processing or analysis of residential mortgage loans

Must be a self-starter and self motivated to meet job expectations and goals

Must be organized, responsible and able to use good judgment

Ability to thrive in a fast paced, multi-tasking environment and to manage multiple deadlines

Clear and effective communication skills •Basic Proficiency in Microsoft Office Products

Exceptional organization skills to a pipeline of customers in various loan stages while meeting published production standards

Proficiency in all areas of loan documentation, loan policies/guidelines, and procedures understanding of current mortgage lending

Ability to perform highly detailed work with multiple interruptions

Ability to identify and solve problems with strong attention to detail with a focus on data accuracy and integrity

Huntington National Bank – San Antonio, Texas

Senior Closer/Funder Jan 2022– Aug 2022

Performed all functions related to the preparation of conforming and non-conforming mortgage loan closing documents.

Reviewed the loan file for completeness, per the product profile, prior to the preparation of the Closing Instructions.

Monitored high cost, TILA violations, and RESPA regulations including review of the Closing Disclosure for accuracy and adherence to the 0% and 10% tolerance rules.

Communicated details of the Final Closing Disclosure with the MLO, title agent or attorney.

Followed up with the closing agent for the approval of Closing Disclosure and return of closing document package.

Audited closing documents and ATC conditions (at time of closing) for completeness prior to submitting the closed loan file to the Post Closing Department.

Adhere to bank policies and procedures and comply with legal and regulatory requirements.

Guarantee Rate - Sterns Lending – Lewisville, Texas

Senior Closer/Funder May 2020 – Dec 2021

Quality Review of Loan packages to ensure all documentation and compliance guidelines are met.

Generates, review, and handle approvals of the closing packages and HUD1 Settlement Statements.

Liaison between the closing agent and Sterns for all communications regarding funding amounts, balance figures, and closing deadlines.

Sterns Lending – Guarantee Rate Lewisville, Texas

Senior RESPA Specialist April 2020 –May 2020

Working with Closing Manager by managing the day to day front line processes

Training a team of Discloser Specialist Redisclosures and initial Disclosures.

Training all new and current staff to ensure they are following all established policies and procedures

Assign and manage daily volume to ensure all service levels are met

Work with staff to resolve issues quickly and accurately so loans are funded seamlessly, and customers’ expectations are met

Manage and perform compliance reviews related to CD’s, fees, credits and clerical errors

Monitor and manage workflow details

Analyze, suggest, develop and implement process changes to improve efficiency and productivity

Responsible for monitoring performance, rewarding, and disciplining employees

Ensure client records are compliant with regulatory standards

Senior Closer/Funder April 2019 – April 20202

Quality Review of Loan packages to ensure all documentation and compliance guidelines are met.

Generates, review, and handle approvals of the closing packages and HUD1 Settlement Statements.

Liaison between the closing agent and Sterns for all communications regarding funding amounts, balance figures, and closing deadlines.

Loan Depot Plano, Texas

Closer/Funder II October 2013 – November 2018

Quality Review of Loan packages to ensure all closing conditions are satisfied prior to funding.

Review incoming CD documents for compliance with program guidelines.

Assist with post funding conditions and delivery to the shipping post close department mortgage closer

Colonial Savings Addison, Texas

Mortgage Closer November 2012- September 2013

Review Title, Survey, Appraisals, and Sales Contracts for comparison and accuracy.

Input of all information to prepare and print loan documents for signing on residential properties.

Liaison between company and the credit unions and closing agents regarding closing and funding

Track and obtain Final Title policies and Mortgage/Deeds of Trust

Bank Of America Plano, Texas

Senior Loan Closer/ Team Lead April 2004- October 2012

Quality Review of HUD-1 for compliance with investor guidelines.

Worked closely with the Loan Modification Team and the Business Control Manager/Compliance Officers as a subject matter expert for the Line of Business as it relates to department and divisional procedures and standards

Supervised and Trained closers on new programs and guidelines.

Skills

Ability to adapt to any aspect of the highly demanding mortgage process from inception through funding.

Exceptional customer service and communication skills.

The ability to work efficiently independently or with a team.

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