Disclosure Desk specialists
Resume:
Cindy Boudreaux
CONTACT
Denham Springs, LA 70726
**************@*****.***
SUMMARY
Experienced professional offering solid background in loan closing, coordinating and disclosing loans. Coordinates documents, corrects errors, and liaises with external parties to complete paperwork, and facilitate smooth closings. Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Comfortable working alone or with team members to accomplish tasks and enhance processes. Looking for work in a remote position. EXPERIENCE
Disclosure Desk Specialist - Remote
Envoy Mortgage Houston, TX September 2021 - December 2023
● Received files from Loan Officers to send out Initial Disclosures and redisclosures through Encompass.
● Maintained pipeline to complete any request for Change of Circumstance- Redisclosures to the borrower with updates.
● Reviewed URLA to ensure all information is correct prior to sending out initial disclosures.
● Keeping up with RESPA to ensure it meets proper guidelines. Closer/Funder - Remote
Homebridge Financial Jacksonville, FL August 2020 - September 2021
● Prepared different loan types including ARMs, VA, USDA, FHA and Conventional 30yr/15yr.
● Ran Compliance for all final figures for any tolerance violation and issuing any cures if necessary.
● Collaborated with Loan officer, title companies, processors and Underwriters to ensure all information is correct prior to sending Closing Disclosures and closing packages while adhering to TRID requirements.
● Reviewed Signed closing package to authorize wire and funding to title. Closer II - Remote
Network Funding Houston, TX Dec. 2019 - March 2020
● Prepared Closing Disclosure, verified closing fees, follow TRID guidelines, verified hazard insurance and taxes are correct prior to sending to Title Company/Closing Agent and or Loan officer for approval.
● Sent Closing Disclosure to Borrower to acknowledge.
● Communicated with processors, underwriters and loan officers to make sure that all underwriting conditions are cleared prior to sending the closing package to title.
● Balanced wire checklist to move file to funder.
● Closed varied and complex loans.
Sr. Loan Closer - Remote
PNC Bank, N.A Jacksonville, FL October 2016 - April 2019
● Prepared closing documents and Closing Disclosure related to mortgage loan closings.
● Worked within guidelines set by PNC Mortgage, investors, standard guidelines established by FNMA, FHLMC, FHA, VA, and USDA.
● Worked cooperatively with underwriters, loan officer and processors to ensure that each file met underwriting guidelines, regulatory guidelines and investor guidelines.
● Worked directly with Title Company to complete final closing statements. SKILLS
● Microsoft Teams
● Critical Thinking
● Encompass
● Team Building
● Planning & Organizing
● Excel
● Word
● Attention to Detail
● Document Review
● Mortgage Loans
EDUCATION
Business College
Spencer College, Baton Rouge, LA
January 1992
High School Diploma
Woodlawn High, Baton Rouge, LA
August 1985 - May 1989
Sr. Loan Closer
Vystar Credit Union Jacksonville, FL January 2012 - September 2016
● Prepared Closing Disclosure, verified closing fees, verified hazard insurance and taxes are correct prior to sending to Title Company/Closing Agent for approval.
● Prepared and reviewed closing documents prior to emailing to Title Company/Closing Agent office.
● Sent initial Closing Disclosure to members to acknowledge per TRID requirements.
● Communicated with Processors, Loan officers and Underwriters to ensure all loan conditions have been met..
Sr. Loan Closer
Chase, N.A. Jacksonville, FL Jan. 2007 - Jan. 2012
● Prepared and reviewed closing documents prior to emailing to the Attorney/Closing Agent Office.
● Verified HomeOwners insurance, tax certificate, wire inst., closing protection letter, title commitments and closing fees are correct.
● Reviewed HUDS and closing documents in order to send wire and authorize funding.
● Communicated with Processors, Loan officers and Underwriters to insure all loan conditions have been met.
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