Financial professional with an extensive background in the area of Finance and Credit Collections
Educational experience includes successful execution of business practices and development of key financial statements
Developmental strategies have included implementation of business plans and marketing plans, resulting in increased profitability
• Customer focused client service specialist who understands the importance of customer service in servicing and mortgage industry
Promoter of compliance of client, credit risk, and legal standards
Experience analyzing credit risk at the loan and portfolio level WORK EXPERIENCE
StoneGate Mortgage/Home Point Financial Corp, (2013-2018) Pre-Closer/Funder/Post Closer
Prepare accurate closing packages, adhering to agency and investor guidelines, as well as federal and state regulations
Accurately fund loans
Communicating daily with both by telephone and in writing with internal and external partners; providing clear answers to questions.
Explain the complex data in simplified terms
Validate the document to ensure accuracy, authenticity and legality within the data, document's format and procedures
Conduct maintenance of document databases as per the standards, procedures and regulations as applicable
Check the information disclosed within the documents and ensure no information of confidential, offending or illegal in nature is included
Develop and maintain relationships with Company’s clients and various third-party vendors, including collateral document custodians and the Company’s attorney network
In depth knowledge of managing clients’ accounts ensuring total satisfaction at all times
Handles large volume of data with attention to detail
Review completed closing file documents to ensure compliance with investor guidelines.
Obtain missing/inaccurate documentations from the borrower and/or closing agent.Make supervisor aware of potential delivery delays to avoid rate lock expiration possible suspense penalties.
Review fees that has been collected at the time of closing with the final HUD,GFE, and the system.
Resolves any suspense conditions on files.
Addecco Staffing- Fifth Third Bank (2009-2013)
Check and prepare executed loan documents for funding in various states
Prepare wire transfers to send for title company to disburse on closed loans
Schedule and assign loans to closers
Request funding documents from title company
Check documents for accuracy and compliance issues
Assign all new loans to assigned loan originators and processors
Order all appraisal, title and other specific loan documents
Obtain and review documentation for accuracy and authenticity
Prepare files for investors to review and fund loans on a timely fashion
Reviews approved applications and contracts to ensure stipulations and conditions have been met and are in adherence to Company policy.
Prepared all loan documents for complex loan packages and ensures company policy and procedure. Venturi Staffing Partners (2008-2009)
Check processing operations including receiving, blocking and check sorting.
Perform a variety of clerical duties in account payables and receivables
Post transactions involving cash receipts, disbursements, accounts payable and receivables.
Process purchase orders from start to finish including payment.
Analyze and reconcile vendor statements and balance vendor accounts; request refund checks for credit balances on account and set up new vendor account
A&R Mortgage (2004-2007)
Senior Loan Processor
Review mortgage loans in accordance with underwriting guidelines ensuring secondary market salability and investor salability
Complete Credit approval checklists and appraisal reviews
Process new applications in a timely manner
Knowledge of Federal and State regulations requirements
Process FHA and Conventional Loans
Gathers all documents required for loan approval and submit to underwriting
Process external and internal payoffs for old mortgages and lines of credit
Ordered title, verification of employment, deposit, rent and mortgages, and payoffs
Requested documentation for subordination requests
Coordinated Loan closing with borrowers, Loan Officers and title company
Reviewed appraisal, flood certification and other documents, updating the file system as necessary. EDUCATION
National Institute of Careers
Graduation: June 1986
Microsoft Suite, Oracle, Lotus Notes, Calyx Point, Unifi and E3 Encompass