Albert Reed

Contact Number 727-***-****

Current Location 716 64th Ave South Saint Petersburg, FL

Available to Phone Screen/Video Conference and In-Person Interview with 24HR notice Availability to Start: 2 weeks upon offer

SUMMARY

● 20+ years of progressive experience in handling loan processing tasks

● Extensive knowledge of using underwriting and financial software

● Competent in written and verbal communication skills

● Proficient in data entry coupled with excellent customer service skills

● Strong analytical, mathematical and logical skills

● Ability to work under pressure and handle multiple tasks

● Eye for detail with excellent interpersonal and organizational skills

● Ability to gather financial information and deal with financial clients TECHNICAL SKILLS

● Office Package: Microsoft Word, Microsoft Access, Microsoft Excel, Microsoft Outlook Express and Microsoft Power Point, Mortgage Notary

● Operating System: Windows 2000, Windows 9x. Windows ME, Windows Vista, Windows XP and Windows 7, PC repair, 10+ experience in encompass

PROFESSIONAL EXPERIENCE

Bay to Bay Lending, Tampa Florida

Mortgage Loan Closer

5/20-6-22

● Collaborate with loan processor and loan officer or funder from origination to close to ensure loan closing

● Keep the loan calendar up to date with active mortgage closings

● Prepare, collect documentation, review and close loan packages or loan files

● Enter data on loan closing documents in a timely manner

● Confirm loan compliance with all state and federal regulations and policies, as well as investor/mortgage lending product and program guidelines

● Assure all information is correct and signed accurately in the closing documentation, third party orders, closing packages, and loan files

● Review all closing conditions are satisfied and executed according to closing instructions

● Prepare and execute the transfer of lender funds for disbursement

● Resolve any post closing issues immediately

Meridian Asset Services, St Petersburg, Florida

Mortgage Compliance Specialist I

4/18-5/20

● Review of loan file documentation regarding regulatory compliance laws applicable to residential mortgage loans

● Database queue and daily production reports to independently organize, track and prioritize.

● Perform QC review of others work to ensure standards of quality

● Responsible for researching and solving loan or task level escalated issues

● Assist with special projects, mentoring and training to promote optimal productivity and quality within the team

● Review and data entry of information from mortgage loan origination and servicing documents Meridian Asset Services, St Petersburg, Florida

Travel Scanning Project Specialist I

10/18-5/20

● Project-based travel with a team to a custodian location out of state

● Responsible for assisting with inventory of asset files to a project manifest

● Responsible for asset file separation by document type and document imaging using a laptop and scanner

● Responsible for assisting with process of post imaging file audit to release files to the custodian

● Responsible for managing personal expenses and submission of personal expense reports Eagle Home Mortgage, Clearwater, Florida

MORTGAGE LOAN CLOSER/LOAN PROCESSOR

4/16-10/17

● Responsible for obtaining initials, redisclose and final closing disclosure

● Responsible for preparing final closing package

● Prepared balancing final closing disclosure

● Prepared UCD

● Ordered and Prepared funding

● Reviewed and approved final closing package and final Closing disclosure

● Cleared final closing condition

● Cleared and ran compliance report

● Review document before submission to underwriting

● obtains missing document from borrower

● obtains documentation needed to clear conditions

● order appraisals and verifications of employment

● Submit approved file to closing

● Strong knowledge and understanding of Conv loan and FHA/VA/Jumbo Loans Mortgage Investors Corporation, St. Petersburg, Florida PROCESSING LENDER: POST-CLOSING DEPARTMENT/MORTGAGE CLOSER 6/10-3/98

● Responsible for monitoring and collection of all final documents

● Responsible for monitoring and clearing outstanding conditions on loans that are needed to comply with all investor guidelines

● Became familiar with and complied with all investor guidelines

● Extensive knowledge laws related to loans

● Prepared, researched, audited and reviewed loan documentation as needed

● Monitored functional area reports to ensure proper department and individual team member productivity

● Directed team leads and supervisory level staff on a day to day basis; making personnel decisions and assigning work

● Assisted in annual reviews and supervision of members of Resolution and Final Docs teams

● Administered training, coaching, and corrective measures to team members in a way that promotes attainment goals and continuous improvement

● Assisted Post Closing Vice President

● Post-Closing Department/Insuring VA loans/VA Audits/Register With MERS/Certified Pools and Final Certified Pools

● Extensive knowledge of standard and state specific pre-loan disclosures and closing documents

● List of closing loan closing document - Settlement Statement(Hud), 1003 Loan Applicant, Creating Vesting on Mortgage and Deed of Trust, Notes

● Prepares and Review Final Settlement Statement, Good Faith Estimates Regulation Z Disclosures

● Software background in Encompass, Doc magic and Other Loan Docs Service

● 2010 RESPA Training and Compliance Training

● Pro School Training in Mortgage Loan Originator

EDUCATION OTHER QUALIFICATIONS

● 10+ years’ experience in mortgage banking, including management experience and a successful track record running a high volume, highly efficient funding and closing operation.

● Good organizational skills, time management skills and ability to multitask.

● Strong oral and written communication skills.

● A good listener.

● Articulate.

● Ability to effectively present information, write reports, correspondence, and policy and procedure manuals.

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