Loan Closer

Christopher L. Ervin

*** ****** ******* *****, *********, NC 28134

Phone: 704-***-**** E-Mail: ******************@*****.*** Mortgage Closer

■ Highly efficient mortgage-closing specialist offering five years of experience closing and funding conventional and government mortgages.

■ Well-versed in FHLMC, FNMA, FHA, HUD, RESPA, and Regulations Z Guidelines.

■ Experience with DOS based systems, Encompass, Doc Magic, and other mortgage origination programs. Experience:

Equitable Mortgage Mortgage Closer (October 2020-Present)

■ Collaborate with loan processor and loan officer or funder from origination to close to ensure loan closing.

■ Resolve any post-closing issues immediately

■ Prepare and execute the transfer of lender funds for disbursement

■ Confirm loan compliance with all state and federal regulations and policies, as well as investor/mortgage lending product and program guidelines.

■ Assure all information is correct and signed accurately in the closing documentation, third party orders, closing packages, and loan files.

Sharonview Federal Credit Union Mortgage Closer (February 2018-May 2020)

■ Assemble closing packages to include legal documents to ensure guidelines and regulations are met, as well as investor and state requirements.

■ Review underwriter’s approval to ensure all closing conditions are met.

■ Request missing documents, complete closing documents, and guarantee a smooth closing.

■ Review title insurance binders to ensure lien position and all exceptions meet lender requirements.

■ Arrange and send loan closing instructions to settlement agents (attorneys and title companies).

■ Produce and review closing disclosure for compliance with underwriting and RESPA.

■ Answer customers’ inquiries about loan terms and other miscellaneous information.

■ Knowledge of Fannie Mae investor guidelines.

■ Working knowledge of industry standard mortgage origination, processing, and closing software.

■ General knowledge of all mortgage and consumer lending documents, practices, and regulations.

■ Specific knowledge of RESPA, TIL, and Integrated Disclosure guidelines.

■ Ability to work in a fast-paced and deadline-driven environment.

■ QC, Scan, and upload documents.

■ Responsible for cutting checks, sending wires, and handling other methods of paying off loans. Wells Fargo Default Title Clearing (August 2017-February 2018)

■ Analyze title reports and communicate title deficiencies to HPS team members.

■ Conducting daily follow-up of files in the title pipeline.

■ Provide work direction and training to other loan servicing team members.

■ Answering questions pertaining to all areas of title support.

■ Researching and analyzing problems and recommending solutions. The Money Source Loan Closer (August 2016-February 2017)

■ Prepares closing disclosure for initial borrower acknowledgement according to TRID guidelines.

■ Prepares and reviews all executed closing documents to ensure Closing Documents were properly signed and notarized by all required parties of the transaction.

■ Reviews and signs off in loan origination system any outstanding closing conditions to meet loan approval.

■ Reviews the signed closing disclosures to ensure all fees match the loan origination system and balances with the closing disclosure and is within all FHA/VA Agency guidelines. Validates funds required for disbursement of the loan with Title/Escrow Company. Requests wire from the Funding Department..

■ Performs other duties as assigned which include” (Calculating and requesting wires, re-disclosing loan estimates, locking rates)

Zenta Mortgage/Accenture Credit Services (July 2011- July 2016) Bank of America Mortgage Loan Closer (November 2013-July 2016)

■ Prepare all closing documents including draft HUD-1/Closing Disclosure, Note, Deed of Trust, Assignments and required disclosures.

■ Work with closing agent to ensure all documents are correct and in compliance with TRID organizational guidelines and all applicable regulations.

■ Clear all underwriter closing conditions.

■ Ensure vesting, legal description, liens, and other important information is included on the tile commitment.

■ Order wire for loan funding and disbursement.

■ Perform quality control on closing package after closing for accuracy and completeness.

■ Inform borrower of all associated fees with closing via phone and email, with a high level of customer service. Bank of America Loss Mitigation Manual Modification Specialist

■ Review, identify and facilitate appropriate handling of loan level loss mitigation opportunities. Includes loan level review of insured loans on servicer’s system.

■ Analyze available information AVM’s BPO’s and events for decision-making purposes.

■ Manually run loan calculations to ensure proper qualification for modification program.

■ Negotiate default resolutions with the borrower in accordance with company guidelines.

■ Act as liaison for client’s loss mitigation team; recommend strategies, processes and/or procedural changes to improve loss mitigation results.

■ Manage implementation of agreed upon solutions or programs.

■ Facilitate the tracking of program results to measure its success. Bank of America (Default Servicing Customer Relations In-Line Quality Assurance)

■ Provides analytical and administrative support within an internal control environment.

■ Review and approve draft response letters prepared by DSCR associates and, as needed, assign matter to be sent to Legal Reviewer.

■ Review and analyze draft response letters to customer, government, and other third party inquiries.

■ Knowledge of mortgage banking with understanding of default servicing area to include loan modifications, foreclosures, deeds in lieu and short sales

■ Identify shortfalls in compliance with applicable statutes as well as government programs and Bank guidelines/standards.

■ Regular statistical reporting and undertaking audits to ensure compliance with control procedures, as well as working with internal QC/QA partners and business partners. Bank of America (Centralized Execution Agent/Process support)

■ Support the Customer Relationship Manager model that is the end-to-end single point of contact relationship for the customer.

■ Retrieve notice of signed modification documents, ensure quality control review of documents and new loan terms, and submit modification update requests.

■ Ensure quality service and effective, efficient operational support for the assigned area's internal business partners and/or external customers/clients.

Awards: Best People Award, Outstanding Quality Assurance. Management Training: Managing Priorities, Supervisory Success, Activating Change, Caring for Customers, Planning for Performance Discussions, Giving Recognition, LEAN (waste management) Education

North Carolina A&T State University (Greensboro, NC) 2006-2011 Bachelor of Arts in Music (General)

Honors and Awards

• Dean’s List • Choral Scholar (2007, 2008) • Frazier Hall Music Scholarship Recipient (2008) • Ruitian Scholarship Recipient NC A&T Gospel Choir Scholarship Recipient (2010-2011) Bill Cosby Scholarship Recipient

Clubs and Organization

•National Association for Music Education; Secretary (2008) •NC A&T Fellowship Gospel Choir (Student Director 2006-2010) Student Trainer 2010-2011, • NC A&T State University Choir (2007-2009) • NC A&T Percussion Ensemble •NC A&T State University Chamber Choir (2007-2009)• Aggie Maniacs Pep Squad

(2006-2007) •NC A&T Jazz Ensemble

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