Kimberly Morgan

Sr Loan Processor/Closer

Phoenix, AZ 85024

ad2t68@r.postjobfree.com

+1-602-***-****

I strive on superior customer service and supporting companies' visions and direction. I love helping borrowers achieve their dreams. I have extensive background in all processes in operations. QM and Non QM products. Knowledge of Compliance Regulations, LE CD TRID TILA REGB and RESPA. I am seeking a company that has a Culture built around Communication and Team Work. Have 5+ years Encompass plus Calyx Point. Working remotely past 4 years. Authorized to work in the US for any employer

Work Experience

LOAN PARTNER-REMOTE

AMERICANA HOME LOANS - Phoenix, AZ

February 2023 to Present

FNMA, Freddie, FHA, VA, USDA, Bonds, Non QM, BROKERED, DPA's Responsibilities for assisting Sales team Pipeline of 25+ transactions. Obtain all required documentation from borrowers. Calculate Borrower income for all documentation types. Structure loan packages for underwriting. Collect outstanding conditions from customers and communicate throughout the process. Responsible for Disclosing and Re disclosing of any Change of Circumstances, Initial CD's and Final balancing with Title to prepare the Closing packages. Coordinate and confirm loan closing with Title/Settlement agents and assist with closing loan document department on closing. Knowledge of Compliance Regulations, Knowledge of Compliance Regulations, TRID and RESPA. Encompass LOS system

Mortgage Loan Processor/Closer REMOTE

American Financing Corporation - Aurora, CO

December 2021 to August 2022

FNMA,Freddie, FHA, VA, USDA, Bonds, Non QM, BROKERED Responsibilities Processing Pipeline of 40+ transactions along with assisting needs of Processing Staff and worked their pipelines Ensure all Close of Escrows are met for refinances and Purchases. Review documentation for all files. Calculate Borrower income for all documentation types. Structure loan packages for underwriting. Collect outstanding conditions from customers and communicate throughout the process. Responsible for Disclosing and Re disclosing of any Change of Circumstances, Initial CD's and Final balancing with Title to prepare the Closing packages.Coordinate and confirm loan closing with Title/Settlement agents and assist with closing loan document department on closing. Knowledge of Compliance Regulations, Knowledge of Compliance Regulations, TRID and RESPA. Encompass LOS system

Retail Operations Processing/Closing Manager REMOTE Keystone Funding - Dover, DE

October 2020 to October 2021

FHA, VA, Conventional, Non QM, USDA, Bond loans and 2nd Mortgages Knowledge of real estate standards and practices and responsible for updates on market/regulatory rules and changes and Procedures and Assist hands on Training with Staff. Exceptional client relations and organizational skills with an extremely strong sense of urgency and ability to prioritize and multitask. Ability to write reports, emails, and correspondence to not only clients but internal reports to Executive Team. Understanding review of purchase contracts, disclosures, and all Real Estate Forms. Ability to listen and identify problems and utilize outside the box thinking to diffuse issues and problems within a transaction. Collaborate with staff to evaluate and analyze pipeline details. Ensure that all conditions and closing dates are met. Identify any issues that may affect the ability to meet previously established conditions and dates in a timely manner.Monitor daily work of the team so that service level agreements are being met. Monitor loans in process to determine any deviation from standard processing time and to take appropriate actions including escalating to appropriate parties for alternatives to ensure members receive timely service. Review desktop underwriting (DU, LP, USDA) loans. Knowledge of Compliance Regulations, TRID TILA and RESPA. Post Consumption CD's. Encompass LOS System Sr Mortgage Retail Processor - Branch Team Lead HYBRID Security National Mortgage Company - Scottsdale, AZ July 2019 to November 2020

Responsibilities Processing Pipeline of 60+ transactions along with assisting needs of Processing Staff and assisted with escalations and workflow of employees absent and worked their pipelines and assisted management with problem solving and processes from application through funding of loan. Ensure all Close of Escrows are met for refinances and Purchases. Review documentation for all files. Calculate Borrower income for all documentation types. Structure loan packages for underwriting. Collect outstanding conditions from customers and communicate throughout the process. Responsible for Disclosing and Re disclosing of any Change of Circumstances, Initial CD's and Final balancing with Title to prepare the Closing packages.Coordinate and confirm loan closing with Title/Settlement agents and assist with closing loan document department on closing. Knowledge of Compliance Regulations, Knowledge of Compliance Regulations, TRID and RESPA. Encompass LOS system Transaction Coordinator- Sr Processor

Cardinal Financial Company - Scottsdale, AZ

October 2017 to March 2019

Responsibilities Processing and closing a Pipeline of 40+ Loans from application through Closing of loan. Fannie, Freddie, FHA, VA, USDA and BROKER business. Work with the Loan officers for Consumer Direct to ensure all Close of Escrows are met for Refinances and Purchases. Review documentation for all files. Calculate Borrower income for all documentation types. Structure loan packages for underwriting. Collect outstanding conditions from customers and communicate throughout the process to meet with underwriting findings. Responsible for Disclosing and Re disclosing of any Change of Circumstances, Initial CD's and Final balancing with Title to prepare the Closing packages. Coordinate and confirm loan closings. Knowledge of Compliance Regulations, TRID, TILA, RESPA. Encompass LOS system. Sr. Processor

New Penn Financial, LLC - Scottsdale, AZ

February 2015 to October 2017

Responsibilities Processing Pipeline of 50+ transactions along with assisting needs of office and assisted with escalations and workflow of employees when absent or took on the overflow and helped worked their pipelines and assisted management with problem solving and processes from application through funding of loan. Work with the Loan officers to ensure all Close of Escrows are met for refinances and Purchases. Review documentation for all files. Calculate Borrower income for all documentation types. Structure loan packages for underwriting. Collect outstanding conditions from customers and communicate throughout the process to meet with underwriting findings. Responsible for Disclosing and Re disclosing of any Change of Circumstances, Initial CD's and Final balancing with Title to prepare the Closing packages. Coordinate and confirm loan closing with Title/Settlement agents and assist with closing loan document department on closing. Knowledge of Compliance Regulations, TRID and RESPA. Encompass LOS system Sr Processing Manager

BBVAS Compass Bank

January 2014 to February 2015

Managed Processing Staff of 6 and Closing Staff of 5 employees for Conventional Mortgages, Helocs Mortgages-USDA, FHA, VA Nationwide. Vast Knowledge of Mortgage Banking, REPS requirements and Underwriting guidelines and automated Mortgage systems. Knowledge of the new Dodd Frank requirements. Perform monthly analysis on cancellations and declines to uncover fall-out trends and come up with creative solutions on how to increase conversion. Working directly with the Sales Management staff to help coach and train new Loan Officer hires. Acting as the subject matter expert for departmental systems and processes. Build strong relationships with referring partners and Real Estate agents. Mentoring others to be at their best and utilize tools necessary to perform at their best ability. Effectively handle and resolve all escalated customer and agent issues. Responsible for coaching and monthly reviews of processors production error rates as well as employees that are stellar in their position. Site level assistance with other team managers to help them create top notch relationships with the MBO and to effectively manage pipelines. Training of Closing Staff and Processing Staff for all Respa, Reg Z Reg B policies and updates.

Sr Processing Manager

JP Morgan Chase Home Mortgage - Phoenix, AZ

April 2010 to December 2013

Managed Processing Staff of 15 employees for Conventional Mortgages-Harp-FHA, VA Nationwide. Highest Volume Producing Team. Vast Knowledge of Mortgage Banking, RESPA requirements and Underwriting guidelines and automated Mortgage systems. Knowledge of the new Dodd Frank requirements. Work with servicing systems on any issues with current serviced loans and escrow accounts to rectify any overages or shortages due to customers. Perform monthly analysis on cancellations and declines to uncover fall-out trends and come up with creative solutions on how to increase conversion. Working directly with the Sales Management staff to help coach and train new Loan Officer hires. Acting as the subject matter expert for departmental systems and processes. Build strong relationships with referring partners and Real Estate agents. Mentoring others to be at their best and utilize tools necessary to perform at their best ability. Effectively handle and resolve all escalated customer and agent issues

Education

High school diploma in Gen Ed

Elsinore Union high school - Lake Elsinore, CA

September 1976 to June 1980

Skills

• Loan Origination

• Fair Housing Regulations

• Credit Analysis

• Escrow

Contact this candidate