Mary Ann Castillo

Anaheim, California *****

Cell Number: 714-***-****

ad4o9y@r.postjobfree.com

Qualifications:

• Established track record for accuracy and productivity

• Exercised independent judgment, problem solving and negotiation skills

• Successfully handled escalated issues by navigating online tools and other resources to resolve internal or external issues

• Recognized for willingness to tackle more complex deals and for having a positive attitude of extending extra effort when needed

• Appreciated for dependability and teamwork especially when the group is short staffe

• My ability to grasp information and follow instruction timely and accurately as the work demands

• My extensive background experience in major office skills and settings

• My quality as a team player adds as a plus to my employer Experience:

July 2023 - Present DHS USCIS Federal Contractor

24000 Avila Road # 2314

Laguna Niguel, CA 92677

Data Entry Operator II supporting USCIS

This position enters data collected from applications and petitions into formatted fields in USCIS computer stems following work procedures.

*RESPONSIBILITIES:

*Removes contents from envelopes/packages Identifies and processes system rejects

* Assembles documents in proper order

* Reviews source documents I-129, I-539, I-765, 1-H2A and DEFA

* Keys data into pre-formatted fields systems Elis, Claims

*Proofreads, identifies and corrects errors to ensure accuracy

*Scans documents and adjusts color, brightness and size

*Scans barcode on file jackets to update file movement within system

*Prints a deposit log and reconciles to receipted checks

*Ensures fee security guidelines and processes are followed

*Knowledgeable of contract performance requirements and acceptable quality levels for assigned tasks to achieve contract compliance.

February 2023- June 2023 Deutsche Bank

1761 E Saint Andrew Place

Santa Ana, CA 92705

Document File Clerk

September 2021 – December 2022 All Reverse Mortgage, Inc 2109 W Chapman Avenue

Orange, CA 9286

Post Closing / Docs. Drawer/ Funder / Recorder Clerk/ Collateral Analyst Responsible for file prepartion, document reassembly of mortgage documents the collateral & Trailing Docs.

(Deed of Trust, Final Title Policy, Note, Loan Mod. etcs.)

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Process high volumes of financial documents for storage or retrieval. This includes unloading banker boxes of documents, prepping for scan

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● Clerk will work on their own to meet/exceed daily production expectations Responsible entered borrower’s information in Reverse Vision Processor fees, Escrow fees,Warehouse Bank, Investor Name, Counseling # Verified prior to funding conditions, escrow HUD and prepared closing instructions emailed to escrow company November 2020 – August 2021 Kind Lending

4 Hutton Centre Dr. Suite 1000

Santa Ana, Ca 92707

Govt. Insuring/ Post Closing Auditor/ Non-QM Analyst Reviewed funded loans based on investor’s guidelines VA, FHA, Conventional and USDA for accuracy of basic loans term, closing information AUS/ LP, initial & Final 1003, 1008, appraisal report, initial & Final closing disclosures. Reviewed trailing docs. final title policy and recorded DOT Non-QM Analyst

April 2015- November 2020 American Advisors Group

3800 Chapman Ave, 6

th

Floor

Orange, CA 92868

Govt. Insuring Auditor Specialist / Purchase Reviewer/ Correspondent Specialist Responsible for timely preparation for HUD audit, Stacking Regular HECM Loan, training new insurer and helping with some questions with my insurer and another department like Funding, Docs, Accounting, and Underwriter. Helping my manager for special projects like calling HUD to get some clarification regarding the NOR issue. *Data Entry: Inputting borrower information into FHA Connection and sending the Case Binder to HUD within 7 business day’s delivery from UFMIP was paid. Clearing NOR issue for missing documents or unsigned Final 1009, 92900a and send back to HUD to insure the loan.

Final HUD from escrow company to modify our HUD if all the fees are correct then emailed back to escrow company to let them know HUD approved, prepared closing docs. emailed to the escrow company cc processor, loan officer, notary and closing department the docs. went out to the borrower’s needs to sign, Before funding the loan waiting for the original docs with borrower’s signature.

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Responsible registered & transferred Mer’s the next day of funding when the loans have been purchased, Reviewed Recorded Deed of Trust, Final Title Policy

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● Auditing loans to verify docs. compliance requirement

● Prepared collateral packages, review if all information is correct before uploaded to investor website Responsible for timely preparation for investor audit, stacking NAF, JPM, WAB, Fannie Mae & Freddie Mac requested for audit.

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Reviewed the servicing bundle before uploading to the investor folder, if they have any missing items or incorrect documents information and emailed my team lead, funder, or underwriter to provide me the corrected documents.

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Pulled SCI missing documents and uploaded to FAMS folder. Helping my co-worker to answered their question

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The Quality Control department for stacking the files and reviewing files before uploading to UHS Company requested the files for internal audits.

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Audited funded conventional and government loans (VA, FHA, USDA, FNMA) based on investor’s guidelines for completion and accuracy

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● Reviewed signed loan documents for compliance with Federal, State and company laws and policies Coordinated with internal partners for data integrity of basic loan terms, closing information, UAS, appraisal, collateral, initial and final disclosures, compliance reports, etc.

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● Assisted trailing docs team for final title policy and recorded deed of trust when needed

● Purchase Advice: Auditing purchase advice for correspondent loans JB Nutter Loan: Inputting borrower information into Reverse Vision System at the same time reviewing the file.

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● Auditing Correspondent / Aggregation Loan to purchasing the files

● Training new employee to our insuring team and cross training others department

● Helping the Funding Department to review funder docs. back, train for drawer docs. Review Advantage Loan and uploaded credit, closing, appraisal, CDA package into RV and FAR investor reviewed the file for purchase, when have conditions and working on it to clear the condition so that investor can purchase the loan.

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September 2009- April 2015 Stearns Lending Mortgage 4 Hutton Centre Drive #500

Santa Ana, Ca 92707

Govt. Insuring Auditor Specialist/ Compliance Auditor/ Processor / Assistance Manager/Clerical Clerk/ Collateral Analyst

Responsible for timely preparation for HUD audit. Process borrower’s information to insure this loan into the FHA / VA System. Stacking Regular FHA, VA, Conventional & FNMA Loans, review the files first before I ship to the investor. Set-up imaging files to the investor system to all investors like Wells Fargo, Bank of America, GMAC, and CitiMortgage. Scanning files & uploads into X-Drive. Calling Escrow Company to request a copy of Final HUD-1. Helping the Servicing Department to verify borrower’s information for mortgage payment. VA Loan Guaranty Experience Includes

Post-Closing Analyst / Cancelled / Denied Auditor /Shipper Specialist & Clerical Education:

Pacifica High School- Graduated (June 90)

Computer Skills:

Point, Microsoft Excel, Words, Scanner, Fax and Printer, Software Skills: Data Track, EPF, Orjin, Deutsche System, HUD MPC, FHA Connection, VA Website, Doctrac, Lend Force, Reverse Vision, Bay Docs. Quantum, Encompass 365. Government Systems : Elis, Claims, Rails, Stacks, PCQ and Global

,Benefits HUB

● Responsible for clearning investor deficiencies to purchase the loans If they have any incorrect information, I emailed the funder and underwriter, and sent the complete report to the compliance department.

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● Suspense deficiency for investor provide correct docs. to the investor to purchase the loans

● Pay applicable VA Funding Fees through FFPS, Complete Loan Guaranty Screens in Webley Retrieve and update Loan Guaranty Certificate as needed, Stack, review, and upload VA Loan review files to Webley’s Correspondence portal

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Training new shippers or insurers and helping with some questions with all departments like Funding, Docs, Accounting, Underwriter. Set-up imaging files website system to all investors like Wells Fargo, Bank of America, GMAC, clearing investor’s suspense conditions. Auditing insuring report & shipping report if all loans were insured & shipped to investors.

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● Checking my supervisor's e- mail, phone calls and communicated with investor’s and follow- up loan’s status, Prepare loan documents, such as Note and Deed of Trust, etc. for execution and recording. Examine file and executed loan documents to verify accuracy and completeness for closing. Verify all underwriting conditions are satisfied.

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● Responsible auditing Deed of Trust, Title Policy, Loan Modification, Assignment with different lenders

● Updating Allonges and Helping my team lead training new employee Inventory all in- coming and out- going files. Update all loans to the computer and complete monthly reports. Typing of extensive information and full knowledge of all loan documents and all types of loans (I.e. FHA, VA, CONV).

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● Audited cancelled and denied loans for all assigned Regional Office Centers across the U.S.

● Verified loans were in compliance with HMDA, RESPA and ECOA regulations

● Followed company policies and procedures during auditing process

● Interacted with loan officers, underwriters and operations managers on a daily basis

● Researched questionable determinations and consult with Compliance Supervisor for final determination

● Issued daily the Statement of Credit Denial, Termination or Change for any applicable loan files

● Ensured that all HMDA related fields within the LOS have been thoroughly and correctly inputted

● Performed periodic HMDA information audits

● Assisted with the annual HMDA reporting process

● Interface’s with escrow, verifying pertinent information such as vesting address and legal description.

● Prepare loan documents, such as Note and Deed of Trust, etc. for execution and recording. Examine file and executed loan documents to verify accuracy and completeness for closing. Verify that all underwriting and closing conditions are satisfied.

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● Prepare loan packages to investor.

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