Dana Kaminski

Waterford, MI *****

adjnlf@r.postjobfree.com

248-***-****

• To obtain a leadership position where I am able to utilize my eighteen years of mortgage loan closing experience to benefit my team and mentor with current leadership https://www.linkedin.com/in/dana-kaminski-128a89161 Authorized to work in the US for any employer

Work Experience

Mortgage Loan Closer

CMG Financial

May 2020 to Present

• Managed loan pipeline, prepared closing documents

• Prepared and balanced closing disclosures

• Ordered wires, correspondence internally and externally Mortgage Loan Closer

BNC National Bank

July 2019 to April 2020

* Reviewed and prepared closing documents.

* Reviewed and approved funding documents

* Customer liaison regarding post closing issues

* Extensive manual data entry and customer service Senior Loan Closer

Northpointe Bank

July 2018 to July 2019

Prepared loan documents and funding requirements for different loan types such as FHA, VA, State Housing, Conventional, USDA.

• Extensive compliance review with State Housing programs such as Rhode Island Housing, MSHDA, IHCDA, Kentucky Housing.

• Prepared training guides for different programs, used power point to assist the closing team with step by step processes on how to close the loan

• Developed relationships with the post closing team and management on State Housing loans as investors are very particular and require strict compliance. Senior Mortgage Loan Closer

MB FINANCIAL BANK F.K.A COLE TAYLOR MORTGAGE - Milford, MI December 2010 to July 2018

• Prepared closing documents from start to finish for wholesale and retail loans. Requested wires and worked directly with accounting.

• Assisted management with daily reports, audits, compliance, suspense and post closing, rush requests, loan balancing, escalation emails and phone calls, training and testing

• Advanced experience with most loan products including Conventional, FHA, VA, OHFA, MSHDA, IHDA, IHCDA, HARP, Private Banking, FHLBC, New Construction Homes, Jumbo, Freddie Relief.

• Interacted directly with underwriters, loan officers, branch managers, real estate agents, settlement agents, processors to ensure an accurate and timely closing.

• Familiar with verification of employment, credit analysis, creating and satisfying loan conditions, review of borrowers application.

• Knowledge of TRID guidelines and compliance, completed all required training.

•Advanced experience with legal and compliance issues. Worked directly with the legal team

• Expert at reviewing closing disclosures, document review such as clearing title, home owners insurance, flood insurance, condo and blanket policies.

• Mentored and coached numerous team members with compassion, patience, determination, with a goal set to ensure they succeed.

Mortgage Loan Closer

CITIMORTGAGE INC - Ann Arbor, MI

May 2009 to December 2010

• Reviewed HUDs, prepared funding, post closing, advised underwriting and processing issues

• Daily correspondence via email and phone with the borrowers to ensure they were receiving the best possible customer service

• Intermediate experience with RESPA, rate lock extensions, tolerance cures

• Processed and closed wholesale loans, handled rush requests, trained employees Wholesale Mortgage Closer

CITIMORTGAGE INC - Ann Arbor, MI

February 2008 to November 2008

• Scheduled loan closings for brokers, account executives, and settlement agents

• Prepared closing packages

• Assisted the VOE team and processing team when needed. Cleared conditions, assisted with rushrequests, trained employees

Education

High school or equivalent

SCHOOLCRAFT COLLEGE - Livonia, MI

Skills

• Mortgage loan closing (10+ years)

• Customer Service (10+ years)

• Knowledge of all loan programs including Conventional, New Construction, VA, USDA, FHA, MSHDA, IHCDA, Jumbo, Kentucky Housing, Georgia Dream, OHFA, Rhode Island Housing, North Carolina Housing (10+ years)

• Business Development

• Data Entry

• Outlook

• Mortgage Loan

• FHA

• Real Estate

• Encompass

• Doc magic (10+ years)

• Escrow

• Tax Experience

• Accounts Receivable

• Accounts Payable

• Office Management

• Management

• Accounting

Links

https://www.linkedin.com/in/dana-kaminski-128a89161

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