Home Based Post Closing

Alidra Sims

*** ********* **** *** *** Lithia Springs, GA 30122

917-***-**** **.**********@*****.***

EDUCATION Capella University, MN

Studying for my M.B.A. in Accounting

Berkeley College, New York, NY

B.B.A. International Business and Finance, Dean’s List May 2000

Coleman SBA Loan Closer Certification

Hofstra University, Uniondale, NY Title Closer Certification April 2014

Agent Board of Directors for Rapid Reality

Related Experience

Tacoma Energy Westerfield, OH (Oct. 2022-Present)

Home Inspector

Inspect homes for Energy Efficiency in order for the Builder and the Buyer to receive the State allowed rebate on New Construction

Perform home inspections on pre dry wall homes for proper sealing and the Duct Blaster test for approved airflow and CFMs based on the square footage of the home

Perform home inspections on the final build out of the home to conduct a full inspection including bath fan testing, room balancing, mechanical ventilation, static pressure of the furnace, and the Blower Door test. Duct Blaster testing repeated if failed at dry wall stage

U.S. Bank Woodbridge, NJ (home-based) (Sept. 2021-May 2023)

Senior Home Mortgage Closer

Prepare Audit Worksheets

Closed Trusts, LLC, Lot Loans, New Construction, Co-op, Condo, FHA, CEMAs, Refinances, Purchases, straight HELOCS

Preliminary underwriting of all loan files prior to closing

Prepared the Closing Disclosure on all loans

Reviewed Closing Packages in order to provide Funding Authorization

Cleared at Closing conditions as well as Post Closing Conditions

Scheduled closings with Settlement Agents and Title Companies

Prepared and sent wires

Citizens Bank Melville, NY (home-based) (March 2020-Sept. 2021)

Senior Home Mortgage Closer

Managed a pipeline on average of 40 loans per month, ranging from FHA, CEMAs, Refinance and Purchases

Prepared the Closing Disclosure on all loans

Reviewed Closing Packages in order to provide Funding Authorization

Cleared at Closing conditions as well as Post Closing Conditions

Scheduled closings with Settlement Agents and Title Companies

Prepared and sent wires

Newtek Small Business Finance-Lake Success, NY (May 2013-March 2020)

Legal Compliance Analyst –

Worked along side the Senior Counsel to assist in the establishing company’s compliance standards in line with existing SBA laws and practices for Small Business Commercial Lending

Assist with preparations for regulatory exams and audits for the SBA, including 10 Tab Assembly

Escalate SBA regulatory relations concerns to Senior Counsel

Prepared loans for Sox Review

Work alongside with Credit Risk Management Team

Draft Closing documents

Conduct Post Closing review of all legal and closing documents

Oversee Paralegals and Loan Closing Assistant

Review closed loans for compliance purposes

Audited Title Reports, UCC-1, Motor Vehicle Titles, Mortgages and Assignments of Lease and Rents for legal discrepancies

Worked alongside Liquidation Team to rectify and release Collateral

Provided training and guidance to the compliance department

Managed the data bases of compliance and regulatory practices

Perform quality control processing and pipeline management

Documenting/Recording Information - Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form

Closing Coordinator-

Completed and passed the Coleman Certified SBA Closer Training (7a)

Daily review of the Closing Pipeline and databases for accuracy to prepare for upcoming closing and fundings

Weekly coordination with Accounting for funding purposes

Daily review of the Credit Workbook in order to assign the loans to a team of 10 Closers

Trained new Closers and refreshed some procedures with slighty seasoned Closers

Worked alongside, Closers, Attorney’s, Underwriters and Sales staff in clearance and pressing closing issues

Cleared exceptions on closed loans for various departments ie, Servicing, Insurance, Liquidation and Post Closing

Maintained a pipeline in loan closings from Working Capital, Debt Refinance, Business Acquistions, Franchise and Start-Up Loans

Senior SBA Loan Closer-

Closed (40) 7A loans on a monthly bases alongside closing (15) 504 loans a quarter

Manage my internal constituencies (credit, legal and compliance, etc.) to ensure accurate and timely closing of transactions

Demonstrated product and functional knowledge of the loan in order to communicate with the Attorneys, Underwriters and large/small balance borrowers, Borrowers and Business Service Specialist

Wells Fargo Advisors, New York, NY (November 2007 – May 2013)

Client Associate –

Assisted a team of four financial advisors. Provided support in all aspects of prospecting, servicing, and maintaining relationships with retail and DVP/Prime Clients, including sending out prospectuses, creating cost analysis and inputting cost basis, trade corrections, wires, check deposits and disbursements

Handled incoming/outgoing correspondence, such as option agreements, IRA distributions, 529 Plans, and maintain new records for individual, trust, and corporate accounts

Lead point of contact for 2008 audit for two branches and assisted the midtown market office

Wells Fargo Branch Liaison -

Assisted Major Market Hub on various projects for both the 535 and 650 Madison Ave NY offices

Liaison between company's headquarters and satellite offices, monitored trades for accuracy, handled check deposits, correspondence, complaints and staff concerns

Oversaw day to day office operations. Lead contact for 2007 audit preparation

Dynamic Mortgage Bankers, Ltd, Westbury, NY (February 2006 - November 2007)

Post Closing Manager & Branch Manager (of Rittenhouse Square location)

Knowledge of vendor systems including, but not limited to, Wall Street Office, in order to ensure accuracy of documentation and calculation of trade proceeds when selling off the loans

Maintain a working knowledge of all relevant portfolios and deal related documentation to ensure controls are in place and that guidelines are adhered to

liaise with Administrative Agents, Borrowers and Legal with regards to KYC documentation, including administrative details, tax and fund formation documents

Significant interaction with senior management, clients, their trading counterparties, agent banks, custodians, trustees and other departments (i.e.: fund accounting, operations, OTC operations and OTC Pricing) relative to loan setttlements

Identify and escalate issues to the portfolio manager, COO, legal and compliance teams when necessary

Responsible for post funding and post purchasing conditions

Worked alongside underwriters in coordinating closings and followed up on funding

Responsible for HUD Insuring

Packaged and shipped loans

Set up new attorneys, warehouse lines

Hired and trained staff

Olmstead Properties, Inc. - New York, NY (October 2004 - January 2006)

Assistant Building Manager –

Liaison between headquarters tenants, brokers and contractors

Prepared monthly financial statements, deal approval memos, new leases, abstracts, and commission bills

Managed budget for office operations and expenditures, scheduled meetings, and showed available space to prospective tenants

Southern Star Mortgage Corp. - East Meadow, NY (February 2001 - August 2004)

Post Closing Manager –

Liaison between investors and customers

Insured and processed all FHA loans and cleared stipulations

Warehoused loans through PCFS, performed quality control processing and pipeline management

Hired, trained and supervised support staff, managed personnel issues and general office administration

Shipper –

HUD trained 203b & 203k’s

Lead for HUD Insuring

Packaged and shipped loans

Set up new attorneys, and warehouse lines

National Financial (April 2000-August 2002)

Insuarance Agent

Solicit and sold Life and Health Insurance policies to qualifying customers as well as businesses

WJM Associates, Inc. – New York, NY (March 2000 - January 2001)

Accounting Manager –

Prepared time and expense reports, along with reviewing monthly & quarterly statements

Maintained accounts receivable and payable, bill allocation and edited assessments of Myers/Briggs testing and interviews alongside coaches and psychologists

Durr Mechanical Construction, Inc. New York, NY (March 1999-Feburary 2000)

Estimator Assistant

Acted as liaison betwenn vendors, contractors and estimating department

Developed monthly and quarterly budget

Inspected potential bid sites with Estimators

Reviewed Blue Prints for potential sites including the Brooklyn Navy Yard

U.S. Environmental Protection Agency, New York, NY (July 1995-September 1998)

Administrator Assistant

Responsible for payroll, travel arrangements and budgeting for the department

Composed and prepared client letters

Proofreading/finalization of proposals and EPA Regulations

INTERNSHIP

J.P. Morgan Co., New York, NY (October 1998-February 1999)

Trade Assistant in Derviaties

Responsible for monitoring daily activity for individual stocks against the Bloomberg

Assisted Latin and American Traders on the Trading Floor

Prepared and distributed trade reconciliation reports on a daily basis

SKILLS

NY Board Member for the BRG at U.S. Bank, NA AIQ, Netoxygen, Blend Pipeline, Licensed Real Estate Agent, Loan Manager, WebEx, PLP, Calyx, Genesis, Encompass, Skyline Property Management Software Life and Health Insurance License • Mac and PC Interfaces: PowerPoint, Word, Excel, Smartstation; Typing 75 wpm, Sharepoint

References Available Upon Request

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