Regan Gentry

**** ******** *********

Sacramento, CA 95823

ad3f7g@r.postjobfree.com

Summary:

·To obtain a position that utilizes my extensive computer and business knowledge, strong organizational abilities, demonstrated communication skills, and experience.

·Kept records and accounts accurate and current. Researches and resolves outages, discrepancies, and accounting errors. Completed all finance functions in accordance with standard procedures applicable

·Has experience in preparing non-system generated loan documentation for loans as required. Participates in management of commercial tickler system; may include setup of monitored items, updating, and providing exception reporting.

·Receives loan approvals for commercial loans to be prepared for closing.

·Document packages will be for basic commercial loans.

·Reviews loan closing package for completion, accuracy and compliance to approval and credit policy. Performs job responsibilities in accordance with established Service Level Agreements.

·Complete the data input of the required information in order to generate an accurate closing package. Analyzing LE and CD disclosures for the purposes of RESPA, TRID, & TILA

Skills

·Mortgage Loan (10+ years)

·Commercial Loan

·Encompass (10+ years)

·Loan Processing (10+ years)

·FHA (10+ years)

·Customer service

·Accounting

·Title Processing

·Escrow

·Software Troubleshooting

·Microsoft Windows

Work Experience

Zen Business Dec 2022-Present

Compliance Specialist

• Prepare and forward SOP documents and Registered Agent mail, including SOP Rejection Letters.

• Review submissions of Correspondence as needed.

• Research filing components on various government databases and public record sources, including state-specific compliance requirements.

• Prioritize and manage a high-volume and time-sensitive workflow from submission to completion.

• Communicate with vendors such as Registered Agents Inc. if additional information is needed.

Flagstar Bank - Troy, MI Sept 2019 to July 2022

Sr. Closer/Loan Processor

·Receives loan approvals for commercial loans to be prepared for closing.

·Document packages will be for basic commercial loans.

·Reviews the approval for loan closing conditions, regulations, appropriate lending authority, and lien perfection requirements and establishes conditions to close.

·Loan types handled will include unsecured, secured, agricultural, various real estate, small business products, etc. Orders/Obtains and reviews required due diligence items from branch personnel, internal departments, or third-party vendors.

·Due diligence items include title commitments/title searches, UCC searches, evaluations or real estate appraisals, environmental questionnaires or evaluations, flood determinations, proof of insurance documents, surveys, etc.

·Provides timely, complete, and accurate responses to inquiries.

·Creates loan documents for all types of basic commercial loans using the vendor document preparation system (LaserPro).

·Prepares non-system generated loan documentation for loans as required. Participates in management of commercial tickler system; may include setup of monitored items, updating, and providing exception reporting.

·Participates in internal and external training to maintain knowledge of Bank products; attends operational and exception meetings and keep abreast of all credit policies and changes. Maintains the integrity of loan data by ensuring all terms of the approved loan are accurately incorporated in the loan closing package.

·Reviews loan closing package for completion, accuracy and compliance to approval and credit policy. Performs job responsibilities in accordance with established Service Level Agreements.

·Transfers all credit and due diligence documents to the imaging system, following all protocols.

·Review documents required for closing a loan to ensure compliance and the documentation is meeting Flagstar’s requirements. Complete the data input of the required information in order to generate an accurate closing package. Analyzing LE and CD disclosures for the purposes of RESPA, TRID, & TILA. Work with Settlement Agents and brokers to obtain any required information to complete the closing process and obtain a final HUD1 Settlement Statement. Review and balancing of the Closing Disclosure figures for regulatory, investor, and Flagstar requirements. Investigate and resolve loan issues while dealing with others internal and external

Closer - Schools Financial Credit Union - Sacramento, CA Nov 2018 to Sept 2019

Real Estate Funder/Closer

·Prepares, reviews, and orders loan documents on first and second trust deed loans in accordance with the terms of the loan request.

·Reviews loan documents for compliance such as RESPA, TILA and other regulatory requirements.

·Performs and completes pre-funding quality control for each file and corrects errors as needed. Prepares each loan file for funding and recording and disperses funds. Ensures all required documentation has been properly signed and all pre-closing conditions have been met.

·Prepares post-closing quality control review. Re-verify all data provided applying internal Quality Control procedures. Maintain and cultivate an effective client centric relationship with Internal (loan production and loan operations staff, other departments, branches, etc.) and external (clients, realtors, etc.) clients.

·Works closely with title and escrow companies in the preparation and closing of the loan transaction. Trailing Document Tracking and review. Shipping of Loans to Investors.

Wells Fargo Home Mortgage July 2015 to Nov 2018

Closer 4/Funder

·Gathers all documentation needed to process loans and ensures that all paperwork is processed appropriately. Makes sure that any necessary information is verified in accordance with state and federal regulations and that all paperwork is complete.

·Ensure that all loan-related paperwork such as deeds of trust, poverty insurance papers, and title commitments are properly processed through the appropriate authorities.

·They are in charge of scheduling the time and location for the closing for any loans they process, and ensure that all necessary parties are present; they also confirm that all of the conditions set for the loan have been met.

Paramount Equity Mortgage April 2012 to July 2015

Loan Processor II

·Gather information and take each file from pre-approval to closing. Input proper loan information into the system for processing. Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy.

·Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting. Review file documentation and make sure all items needed are requested. Order and coordinate loan documents.

·Meet crucial deadlines requested. Perform any additional duties/activities assigned by management. Review HUD-1 (new and old forms) Settlement Statements to assure accuracy.

·Interpret of purchase and sales contracts. Run DU and LP. Preparing Disclosures. Communicate with borrower and Brokers.

Apple Computers - Elk Grove, CA July 2007 to April 2012

Senior Advisor

·Technical and network problem resolution to end-users (customers) by performing a question diagnosis while guiding users through step-by-step solutions.

·Solutions include, but are not limited to, resolving username and password problems, uninstalling/reinstalling basic software applications, verifying proper hardware and software set up, power cycling equipment, assisting with navigating around application menus and troubleshooting email issues.

·Communicating technical solutions in a user-friendly, professional manner. Tier 2 level experience supporting the following Apple products, software and hardware and OS used in a Windows network environment, Windows 2000 Professional/XP

Greenpoint Mortgage - Roseville, CA June 2002 to July 2007

Closer/Loan Processor

·Order necessary documents. Communicate with loan brokers and ensure levels of satisfaction are achieved.

·Clear prior to close conditions (with signature.)

·Partner with decision maker (UW) on difficult/exceptional issues. Perform basic mortgage calculations to validate score-based approval.

The CIT Group - Sacramento, CA June 2000 to May 2002

Loan Processor

·Process and review applications to facilitate the funding of loans. Verify documentation received from borrowers for accuracy and completeness. Contact borrowers to assess and address loan application status, including the need for any required documentation. Call Center Environment

Kaiser Permanente - Sacramento, CA Jan 2000 to June 2000

Health Care Specialist

·Assisting patients with appointments and evaluating symptoms. Transferring calls to an advice nurse for further evaluation

The Money Store - Sacramento, CA Jan 1997 to Jan 2000

Closer/Loan Processor

·Processing loans that have already been approved by an underwriter and will have credit signing authority limited to clearing conditions on loans that have previously been approved. Responsible for reviewing customer income/asset documentation, resolving routine title issues, processing subordinations, verifying employment and salary requirements, etc.

Education

·Encina High School June 1996

Contact this candidate