Certified Paralegal, (D) Mortgage Loan Officer
Resume:
CYNTHIA A. ENOCHS
********@*****.***
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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