CYNTHIA A. ENOCHS

980-***-****

ad4lu6@r.postjobfree.com

Professional Summary

Certified Paralegal with a proven ability to optimize my interpersonal skills, professional acumen, educational background and work experience to exceed project goals and quotas.

Professional Experience

NotaryProNC, - Charlotte, NC August 2007 – Present North Carolina Certified Signing Agent & Notary Public – Part Time

• Facilitate remote real estate closings via local and national settlement and mortgage companies. Signings consist of FHA, VA, USDA, conventional, refinance, purchase, HELOC, reverse mortgages and witness loan applications. Self-Employed

• Microsoft Office, SnapDocs

Aston-Carter - Charlotte, NC July 2021-January 2022 Wells Fargo Capital Market - Remediation Title Analyst - Remote Contract

• Analysis and remediation on title commitment, deed, note & security instrument of currently held mortgage loans that have been affected by natural causes to ensure that all critical factors are concurrent for decisioning on the loan modification, PC process.

• SharePoint, MSP, Early Resolution, ICMP, First American, ServiceLink, Excel, Microsoft Office, SKYPE Heitmeyer Consulting – Columbus, OH April 2021-May 2021 Huntington Bank - Mortgage Closer – Remote Contract

• Perform all functions related to the preparation of conforming and non-conforming mortgage loan closing disclosure.

• Review the entire loan file for completeness.

• Follow up with the closing agent for approval of Closing Disclosure and return closing document package.

• Audit closing documents and ATC conditions.

• Systems used: NetOx, MSP, Sharepoint, Blitzdocs, DataVerify Mphasis Digital Risk – Maitland, FL August 2020-April 2021 Wells Fargo Capital Market - Senior Closer – Remote

• Offers end to end originations, due diligence, compliance and technology services that are customized for the mortgage industry.

• Analysis on loan modification for existing borrowers. review deed, note & security instrument of currently held mortgage

• loans that have been affected by natural causes to ensure all critical factors are concurrent for decisioning on the loan

• modification process. Loan types; Partial Claim, modifications and Combo files.

• SharePoint, MSP, Early Resolution, ICMP, First American, ServiceLink, Excel, Microsoft Office, SKYPE Wells Fargo Bank, NA – Charlotte, NC November 2018 – June 2019 Legal Ops Analyst II

• Analyst in the Estate Care Center of Wells Fargo as a direct point of contact to the branch managers and assistant branch managers for guidance & direction with handling accounts for a deceased client, the family or legal entities.

• Hogan, Pega, Banker Connect, Open Text

Wells Fargo Capital Market, NA – Ft. Mill, SC November 2017-February 2018 Research Remediation Title Analyst - Contract

• Analysis and remediation on title commitment, deed, note & security instrument of currently held mortgage loans that have been affected by natural causes to ensure that all critical factors are concurrent for decisioning on the loan modification process.

• SharePoint, MSP, Early Resolution, ICMP, First American, ServiceLink, Excel, Microsoft Office, SKYPE Movement Mortgage - Indian Land, SC March 2016 – May 2017 Rate Lock Coordinator

• Approve rate lock requests from field and corporate Loan Officers, Market Leaders and Regional Directors for the US east coast region

• Provided support for the Eastern sales division for rate lock verification, analysis and approval on conventional, FHA, VA, USDA for purchase and refinance loan applications

• Communicate effectively and consistently with sales staff and sales management to ensure rate lock requests are accurate, complete and within organizational thresholds and compliance guidelines.

• Analyze gross profit/loss and communicate with Regional Directors for approval or modification to maximize profitability, Identify, resolve and correct discrepancies in rate lock requests CAEnochs

• Working knowledge of all loan products conforming and government utilizing daily rate guide analysis

• Work closely with Secondary Market rate lock analysts to provide efficient, accurate approvals for lock

• Prioritize time management, accuracy and communication while working within a team environment and follow through with vigilant tracking of pipeline management to meet daily volume and quotas.

• Encompass, Optimal Blue, Client Look, SharePoint, Excel Accenture USA – Charlotte, NC December 2014 – August 2015 Lending Process Analyst

• Performed a variety of loan documentation duties on complex loan applications to ensure quality compliance analysis with bank policies, procedures and investor guidelines.

• Preliminary underwriting on initial loan review and modifications per underwriting guidelines

• Responsible for driving the loan process from receipt of initial application to final clear to close

• initial contact call to sales Loan Officer and the borrower with follow up contact as required

• Initiate subordination process internally and communicate with external subordinate lenders and additional borrower verifications

• Effective and efficient file caseload management. Successfully handled up to 30 FULLDOC files a month. Conventional

• EDGE, StatusMart, Excel

Park Sterling Bank – Charlotte, NC March 2014 – July 2014 Commercial Lending Officer Assistant - Corporate

• Assisted Corporate Commercial lending officers (3) with managing a book of business of approximately $140MM

• Processed new loans, renewals, loan extensions and modifications for closing including construction draws and payment of client invoices. Research GIS & survey data online per property or project.

• Ordered LazerPro closing documents, set file up in system, individual and company due diligence, booking and funding, wire transfers

• Clearing exceptions, tracking all financial covenants and collateral on borrower and/or guarantors

• Filed corporate UCC with state and county and Record Deed of Trust with Registrar's office

• Work closely with legal counsel on all commercial attorney closings

• Synergy, JackHenry, RIMS, Yellow Hammer, Microsoft Office Wells Fargo Bank, NA – Charlotte, NC Area October 2008 – March 2014 Lending Process Analyst IV

• Performed a variety of loan documentation duties on complex loan applications to ensure compliance and quality control analysis with investor guidelines for policies and procedures on loan program

• Responsible for driving the loan process from receipt of initial application to final funding

• Underwriting analysis on quality control for compliance with RESPA, TILA, REG B & FACTA guidelines

• Responsible for driving the loan process from receipt of initial application to final funding

• Working in a team environment to successfully achieve business and volume goals

• Initiate subordination process internally and communicate with external subordinate lenders

• Effective and efficient file caseload management

• Successfully handled 40 - 300 cases a month based on loan program quotas

• Conventional, Fannie Mae, Freddie Mac, VA, HARP

• CORE, LIS, LPS, RELS/TaskPoint, RUSH, RES, LIV, Fidelity/LSI, OPS, FileNet, eImage, Datavision Education

Mary Baldwin University Staunton, Virginia – Bachelor of Arts (BA) Management Duke University – Post Baccalaureate Paralegal Certification 2007 National Notary Association - North Carolina Certified Signing Agent & Notary Public Commission expires: 8/21/22

Professional Awards with Wells Fargo in Customer Loyalty & Compliance

• Quarter One 2012 Team Perfect

• Top 10 Charlotte site – Customer Loyalty

• 94% Quality compliance rating on year end audited files

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