Post-Closer Specialist

INOCENCIA CHANDLER

Phone: 951-***-**** Email: ***********@*****.***

PROFESSIONAL SUMMARY: Enthusiastic and Hard worker with 17 years of experience in the high paced customer service driven mortgage banking industry. To secure a position in Loan Processing. Aiming to leverage academic experience and a proven knowledge of vendor relations to successfully fill the position that I meet the criteria role at your company. Frequently praised as proactive by my peers, I can be relied upon to help your company achieve its goals. Competent and knowledgeable to financial regulations

SKILLS: Encompass, MS Office Suite, Confidential information processing and verification experience. DU/LP Automated Underwriting Experience. Excellent communication and customer service skills. Positive and professional attitude. Self-motivated, confident, and dedicated to quality work. Extremely organized and detail oriented. Ability to prioritize, complete multiple tasks. Employment History

Lenox Financial Mortgage Corp., Santa Ana, CA 01/2021 - 08/2021 Post Closing Specialist Ensure loan files are audited, shipped to investor’s and sold accurately. Prepare and audit loan files promptly and review signed settlement documents for accuracy and sell to Fannie Mae. Monitor investor suspense reports daily. Determine validity of suspense issues and notify investors of any invalid suspense. Work with branch personnel, title companies and insurance agents to obtain documentation to resolve valid suspense(s).

New American Funding Corp., Riverside, CA 02/2020 – 12/2020 Post-Closing Reviewer As post-closing specialist, ensures loan files are audited, shipped, and sold correctly. Review of signatures, dates and verify loan amounts and rates are correct. You prepare and audit loan files promptly and review signed settlement documents for accuracy. Your duties and responsibilities include developing, sending, and working with FHA loans, and uploaded documents to investors' websites. American Financial Network Inc., Brea, CA 03/2016 - 03/2018 Mortgage Post-Closer Reviewer Experience as a loan suspense coordinator; Monitor Investor suspense reports daily. Determine validity of suspense issues and notify investors of any invalid suspense. Work with branch personnel, title companies and insurance agents to obtain documentation to resolve valid suspense. Coordinate with shipping personnel to help obtain missing documentation prior to shipping the loan file to the investor. Develop and maintain positive and effective working relationships with branch personnel. Document correspondence on each loan file in Encompass. Pull and distribute purchase advice. Work with investors after loan purchase to clear post purchase issues. Reviewing and clearing loan documentation for files sold to investors. Frequent interaction with clients to ensure suspended files are cleared and purchased timely and accurately. Responsible for document review and resolving defects on FHA/VA closing documents including notes, HUD, TIL, etc. Track post-closing activities in appropriate systems and databases and provide informed and accurate responses to questions from clients and investors. Skilled in post fund audit and compliance review for regulatory guidelines and ensure data reflected correctly in the servicing database. Stay in contact with FedEx, delivery services to verify our original Notes or any other document is tracked and updated in the system. Lenox Financial Mtg. Corp., Santa Ana, CA 04/2012 -03/2016 Document Suspense Coordinator Ensure loan files are audited, shipped to investors, and sold accurately. Prepare and audit loan files promptly and review signed settlement documents for accuracy and sell to Fannie Mae. Monitor investor suspense reports daily. Determine validity of suspense issues and notify investors of any invalid suspense. Work with branch personnel, title companies and insurance agents to obtain documentation to resolve valid suspense.

Paramount Residential Mortgage Group, Corona, CA

08/2008 – 07/2009 Post-Closing Dept. Shipper & 07/2009 – 08/2010 Compliance Assistant Post-Closing Shipper: A mortgage loan shipper delivers mortgage loan files and posts closing mortgage loan packages for distribution. Shipper is responsible for daily tracking and maintaining the accuracy of post-closing dates, and quality control review and reconciliation of each loan package. Compliance Assistant: Reporting to the Compliance Manager, with primary responsibility for the execution of all or part of the company’s monitoring program and dealing with day to day canceled, denied, or withdrawn files. Verifying information such as borrowers’ information, dates, denial cause, etc. to ensure loan information is accurate. Coordinate and conduct monitoring of the adherence of HMDA and to keep a loan register LAR. HMDA Home Mortgage Disclosure Act and run reports on a regular basis. Ensuring files through FHA Connect for the purpose of obtaining a Mortgage Insurance Certificate and complete Appraisal Login if necessary to complete information. Review funded files and prepare them to ship to the investor in a timely manner to ensure the investor lock does not expire at the same time verifying the file is complete and accurate. Stack loan documents according to investors preference. Request final HUD-1, review HUD and adjust if necessary. Lenox Financial, Tustin, CA 03/2007 - 08/2007 Lock Desk Specialist Secondary Marketing Associate: Processing of all lock related inquiries, new lock requests, lock extension requests, relock requests, recommitment requests, price quotes, etc. Determines company's best-execution utilizing a pricing model in doing so, prior to committing loans for sale into the secondary market. Ensuring accurate and prompt data entry into investor's website to produce accurate gain-on- sale figures and secure set profit spreads. Transferring all commitment data into the system for proper record keeping. Responsible for identifying investor rate sheet changes and notifying Secondary, Automation, Operational, and Sales Management personnel of upcoming rate sheet changes and/or guideline changes. Responsible for reviewing and ensuring proper loan/lock/sale placement and pricing of loan scenarios. Establish and maintain customer service goals and standards with internal staff and external customers, including investor relationships. Follow any other job-related instructions and perform any other job-related duties. Produce and distribute daily pricing/rate sheets for Loan Officers. Millennia Mtg. Corp. Laguna Hills, CA. 05/1999 - 02/2007 Assistant Processor & Supervisor, Processor & Funder, Secondary Marketing Associate & Doc Drawer Specialist Processor Assistant: Ability to perform in a fast-paced environment and interact closely with originators, internal teams and various third parties involved in financing transactions. Gather information to complete the verification of employment, homeowner’s insurance, mortgage, inquiries. Assists loan processors to gather information to clear underwriting conditions. Responds to inquiries and follows up with key individuals promptly to resolve problems. Communicates directly with loan officers, loan processor, closer, title companies and insurance companies to ensure that loans close in a timely manner.

Processor Assistant Supervisor: Review loan document request forms for completeness capturing loan policy exceptions. Verify all underwriting and processing conditions prior to releasing documents. Confirm and review all approved and authorized credit requests and documents, generated within the guidelines and procedures established by the Loan Document Specialist Supervisor. Analyze loan documents for accuracy and signatures, prior to funding. Prepare and submit lenders instruction letters to escrow companies or notaries. I Processed and funded loans. Processor & Funder: The loan processor double-checks the financial documents, the finer details. This may include ensuring that income documents are legible, earnings calculations are correct, and all the pages of your bank statements are present. If there are outdated addresses or late payments and collections on your credit reports, the loan processor collects letters of explanation from you for clarification. If your credit report shows public records like unpaid child support or past bankruptcies, the processor also requests court documents if they aren’t easily available through public record databases. Sometimes, an underwriter needs written verification of employment or your bank accounts. The loan processor may submit a form for your employer or bank to fill out. Or, in the case of an online mortgage, you can provide the lender with permission to request the information electronically. Loans backed by the Federal Housing Administration (FHA), U.S. Department of Veterans Affairs (VA) or U.S. Department of Agriculture (USDA) can require special documents a loan processor may request. The mortgage loan processor works with a title or escrow company to collect information about the property you’re buying — and ensure it’s free of any ownership claims. If a home appraisal is needed, the loan processor collects a fee from you to pay for it and schedules it with an appraisal company in a timely manner. After you receive a conditional loan approval, the loan processor collects any outstanding documents needed to resolve them. They also handle any last-minute changes to finalize your loan package — such as fixing a typo in the home appraisal report or requesting information from your homeowners insurance company — to get your loan ready for closing. A good loan processor pays close attention to contract deadlines spelled out in your home purchase agreement. Your mortgage processor also keeps track of your mortgage rate lock expiration date, so you can close on time and avoid costly lock extension fees. Once the underwriter has cleared all loan conditions and gives you the green light to close, the loan processor may partner with an escrow or closing agent to get your paperwork ready for closing. The processor usually communicates with the title or escrow company to schedule the signing, and to verify how much cash you need at the closing table to make your down payment and pay closing costs. The mortgage funder is responsible for fine-tuning the final details of your loan. They ensure all closing documents are in order and the mortgage funds make it to the correct parties on time so you can become the official owner of your home. Secondary Marketing Associate: Processing of all lock related inquiries, new lock requests, lock extension requests, relock requests, recommitment requests, price quotes, etc. Determines company's best-execution utilizing a pricing model in doing so, prior to committing loans for sale into the secondary market. Ensuring accurate and prompt data entry into investor's website to produce accurate gain-on- sale figures and secure set profit spreads. Transferring all commitment data into the system for proper record keeping. Responsible for identifying investor rate sheet changes and notifying Secondary, Automation, Operational, and Sales Management personnel of upcoming rate sheet changes and/or guideline changes. Responsible for reviewing and ensuring proper loan/lock/sale placement and pricing of loan scenarios. Establish and maintain customer service goals and standards with internal staff and external customers, including investor relationships. Follow any other job-related instructions and perform any other job-related duties. Produce and distribute daily pricing/rate sheets for Loan Officers. Doc Drawer Specialist: Responsible for drawing loan docs for Conventional, Government, Jumbo and Non-QM products. Review Loan Documents and Sign-off Doc Conditions. Complete initial audit of entire loan file: perform doc check. Provide an accurate review to ensure compliance with Federal, State, Investor and company policies and stay abreast with any changes to guidelines and policies. Review outstanding prior to doc conditions in a timely manner. Responsible to re-review data input and ensuring required loan document information is correct; property address, vesting, loan amount, interest rate, impounds, legal description, etc. Prepare all closing docs. Ensure documentation is complete and accurate; follow up with any discrepancies. Verify lock information, fees and closing disclosure figures. Ensure that all loans meet guidelines for quality and regulatory compliance, and investor closing standards are met. Review HUD-1’s that are sent over from the escrow companies. Finalize Final Closing Disclosure and any updates if required. Properly review Final HUD-1 to ensure RESPA compliance and validate tolerance thresholds. Communications with Customers. Maintains communication with other departments and closing agents to promote positive business relations and relay docs and funding loan status. Work with brokers on loan scheduling, document delivery and ensure accuracy of loan information. Performs other duties as assigned, including assisting other team members and management as needed. Make detailed notes in the conversation log as needed. Education History

General High School Curriculum/High School Equivalency Diploma/Riverside Adult School, Riverside, CA