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HAKEEM LAWAL

Address: *** * * ****** ***** Crowley, TX 76036

Phone: 617-***-**** Email: ad325k@r.postjobfree.com

Mortgage Loan Processor; Mortgage Closer

An accomplished and result-oriented Analytical professional with robust experience acquired over the years in delivering optimal results & business value in high-growth environments. Skilled in Loan Portfolio, Underwriting Guidelines, Credit Report Evaluation and Loans Application. Highly efficient mortgage processor with experience in processing, closing and funding conventional and government mortgage, well-versed in FHLMC, FNMA, FHA, VA, HUD, GNMA and RESPA guideline. Demonstrated ability to work with all level of professionals including borrowers, attorneys, tittle companies, etc. Sound Knowledge of Disclosure Requirements, Mortgage Loan Closing, Post-Closing and Quality Control Review. PROFESSIONAL EXPERIENCE

BANK OF NEW YORK, MELLON (MAR 2019– PRESENT) DALLAS, TX Mortgage Loan Closer

Performs pre-funding review of required documents. Works with settlement agent on review of select closing documents executed at closing table. Reviewed required settlement documents for accuracy. Issue funding authorization number after review of pre-funding documentation. Reviewed loan files and documents to ensure compliance has been met; regulatory, states compliance and Federal (Patriot Act).

Engaged proactively with Loan Originators, Processors, Branch Managers, HMS’s, Escrow Officers, Tittle Officers, Insurance Agents and Funders in regards to loan decision, investor guidelines/documentation requirement and possible loan scenarios.

Reviewed and verify information on income documentations, borrower information and tittle reports to verify borrower has ownership on a refinance transaction and that seller has ownership for purchase transaction. Verify that there is no unpaid lien or judgements and that all mortgage liens being paid off through the transaction.

Reviewed and scrutinized tax returns, social security retirement and disability rewards statement to determine qualifying income, calculate self-employment income from tax returns including 1120’s and 1065’s.

Prepare final documentation and mortgage -closing package for conventional, government and home-equity loans. Review loans files and tittle commitments to ensure loans are ready to close. Managed and close all assigned loan enabling fast, error-free closings.

Audit various functions handled throughout the office for compliance with Federal and company policies, procedures and regulations.

REENVER STAFFING/BANK OF NEW YORK, MELLON (APRIL 2017– MAR 2019) DALLAS, TX Mortgage Loan Processor

Reason for Leaving – Hired by BNY, Mellon

Handle a pipeline of mortgage loan records by preparing and processing them from application through approval in compliance with all regulatory, statutory, investor and bank’s guidelines and standards.

Liaise and communicate with customers, interdepartmental staff and third parties to respond to inquiries, resolve problems and obtain all necessary documentation required for each loan record

Complete loan document validation in a fast-paced call center environment with extensive knowledge in policies and procedures required for loan origination, processing and closing, underwriting, investor (Fannie Mae, Freddie Mac and Ginnae Mae) guidelines and requirement and all other automated systems.

Evaluate and validate all information provided on the residential loan application and communicating to members and also request for any additional documentation when needed.

Prepare mortgage application and other paperwork for delivery to the mortgage underwriter.

Responsible for communicating and obtaining the Account Condition Letter (ACL) per Regulation B requirements. Hakeem Lawal

Phone: 617-***-**** Email: ad325k@r.postjobfree.com

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Provide detailed guidance and advice to fulfil all loan qualification requirements in a compliant manner while ensuring exceptional member service by providing prompt communication to members and business partners.

Organize mortgage documents which includes filing and pulling, imaging hard-copy documents and prep them for shredding.

Review all loans and registrations for completeness and accuracy.

Act as Members main point of contact throughout the entire mortgage process, ensuring excellent levels of member service by providing guidance/advice/counsel on process, in a detailed and comprehensive manner.

Determine initial potential for qualification by evaluating credit history, income levels and assets/liabilities; calculate debt- to-income and loan-to-value ratios.

Restructure loan request and recommend for adverse action as needed.

Responsible for reviewing and addressing items involving credit, occupancy and employment verifications and order verbal verification of employment (VVOE) for pay-off accounts.

Request action from Disclosure Desk and other internal partners as required by valid change in circumstances.

Collect, analyze and ingest document to clear ACL conditions.

Update loan origination system with the information from collected documents and re-run Desktop Underwriter

(DU) or Strata as appropriate.

Assemble and submit completed file to Underwriting (UW); clear manual conditions, cure title issues, resolve appraisal discrepancies with appraisal review group as needed.

Clear any prior-to-fund conditions that arise after final UW approval before passing loan to Closing.

Remain main point of contact with borrower through closing and funding and answer any questions that borrower may have (e.g. questions on the Closing Disclosure).

Manage and cure any QC loan issues that require borrower communication.

As required, ensure proper re-disclosures are prepared and delivered to the member within regulatory guidelines based on identified change in circumstances

Operate a variety of high-speed equipment including commercial copiers, scanners and fax machines.

Adhere strictly to mortgage related regulations from Fannie Mae, Freddie Mac and other mortgage investors while handling documents.

EDUCATION AND CERTIFICATION HISTORY

All Line Adjuster (Department of Insurance, TX)

Expiry Date 2022

Customer Relationship Management Training

Year of Completion: 2018

Masters of Business Administration (MBA), Finance

Year of Completion: 2009

Bachelors of Science (B.Sc), Economics

Year of Completion: 2004

Associate of Applied Sciences- Evaluated, Business Administration Year of Completion: 1999

Hakeem Lawal

Phone: 617-***-**** Email: ad325k@r.postjobfree.com

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SKILLS:

Software: Sabre, Hogan, AS-400, Microsoft Office 365 (Access, PowerPoint, Word, Outlook, Excel), Windows 7, Windows 10, Applicant Tracking System (ATS), iCiMS, SharePoint, Avaya, Auto-dialer, Workday, Empower, Encompass, Loan Administration and Mortgage Processing (LAMP) Professional: Risk Management and Fraud Analysis, Anti-Money Laundering, Loan Processing, Project Management, Forecasting and Scheduling, Business Planning and Analysis, Typing (40 WPM) 10-Key Data Entry, Mortgage Closing and Funding, Fannie Mae, Freddie Mac, GNMA, RESPA, HUD, Title Appraisal Review, Loan Documentation Review, Pre-Underwriting, Process Improvement, Customer Relationship Management, Leadership

Interpersonal: Verbal and Written Skills, Problem-Solving, Team Playing, Detailed-Oriented and Exacting. REFERENCES:

Furnished upon Request

Contact this candidate