Mortgage Closer Processor

Daisy Bautista-Banuelos

**** ***** ***. ******* ****, IL 60133

Mobile: 630-***-**** Email: **************@*****.***

Objective: A highly organized and hard-working individual looking to secure a challenging position in a reputable organization to expand my learnings, knowledge and skills. Being a passionate and result-driven individual gives me the confidence to possess a strong level of enthusiasm.

SKILLS

A team player with the ability to learn new concepts and implement problem-solving solutions

Ability to communicate with individuals at all levels and maintain a professional demeanor

Assertive, self-motivated, goal oriented, organized and efficient

Demonstrated accuracy and attention to detail

Expert with Microsoft Office; Excellent typing skills, Strong Analytical skills

Bilingual in Spanish

EMPLOYMENT HISTORY

Quontic Bank New York, NY

Mortgage Closer 11/21 – 07/22

Review and balance and approve final CD’s and HUD’s for correct fees, escrows, payees, distribution of funds and RESPA requirements

Prepare and review closing documents, HOI’s, tax certs, Mavent and order wires

Experienced with new TRID guidelines

Review all files for completeness and accuracy to ensure compliance with UW, government, investor and company requirements

Review case numbers, title commitments, insurance policies, PMI cert and all loan documents for accuracy

Knowledge with all state clearance and title reviews including NY, NJ, CA and TX, co-op, Non Trid, DSCR,

Experienced with Encompass, SnapDocs

Guaranteed Rate Affinity Chicago, IL

Mortgage Closer 01/21 – 10/21

Prepared and finalize closing disclosures and packages

Ordered wires, supplemental and returned wires

Handled same day closings

Resolved all and any concerns at closing

Communicated with escrow/title companies, Loan Officers and other parties to assure all conditions were met prior to funding

Reviewed funding docs including wire receipts, cd from sales etc.

Authorized funding authorization

Evaluated and processed same day closings

Experience with Encompass, DocMagic

Ran Mavent, fixed Mavent fails and warnings if needed

Knowledge of: conforming, FHA, VA, Bonds, Living Trusts, TX, Manufactured, Construction etc.

Caliber Home Loans Itasca, IL

Closer 02/20 – 01/21

Prepared closing disclosure prelim to borrower

Worked closely with Brokers and Account Executives to finalize loan details

Met closing date datelines

Entered required escrow details

Balanced CD with escrow/title companies

Knowledge of: Conforming, manufactured, TX, FHA and VA

Experience with H2o

US Bank Naperville, IL

Mortgage Closer II 03/15- 1/20

Worked directly with title companies, Processors, Loan Officers and other parties to coordinate closings

Prepared CD’s, HUD’s and required documents for closings with correct fees and charges

Reviewed signed documents for accuracy, initiated wire transfers

Reviewed signed funding documents and authorized funding approval

Communicated timely with title companies to balance and disburse funds on disbursement date

Closed FHA, VA, Manufactured, American Dream, LLC & Land Trust loans

Experienced with NetOxygen

Paramount Staffing Hanover Park, IL

On-Site Supervisor - Administrative 01/11 -- 01/12

Reported & communicated daily reports to management at branch office

Conducted daily walk through of service employees to ensure headcount & monitor performances

Responsible for recruiting, hiring process, training, orientation and coordination of service employees

Conducted payroll for all service employees while meeting deadlines

Responsible for completing incident reports, submitting to clinic and follow ups

Responsible for handling all employee complaints such as check problems, benefits, placements and pay adjustments

CRS Professional Itasca, IL

Staffing Specialist 05/07 – 07/08

Serviced accounts with excellent customer service, such as; followed up with all shows/no shows, replacements and starts

Interviewed applicants to identify high quality candidates, knowledge

Developed and maintained effective recruiting procedures to recruit and select quality candidates

Conducted reference checks, confirmed verbal and written offers of employment

Responsible for advertising and posting new job opportunities on career sites

Recruited and placed various level candidates, such as Administrative, Finance & Accounting etc.

Negotiated and calculated appropriate pay rates, terms, and conditions with candidates

GE Money (Temporary through Kelly Services) Schaumburg, IL

Assistant/Mortgage Fraud Specialist 8/06-03/07

Assisted in re-verification of loan documents such as income, rental, titles, Social Security numbers etc.

Responsible for further investigations for fraud once flagged from Loan Processors

Communicated with Loan Officers and management regarding audit findings

Responsible for written loan audit findings to management

Provided administrative duties such as loan entries in system

Utilized fraud tools and programs on files

Countrywide Home Loans Rolling Meadows, IL & Oakbrook, IL

Mortgage Processor/Mortgage Specialist/Closer/Funder 5/03-7/06

Serviced and worked effectively and directly with borrowers nationwide

“Cradle to Grave”- disclosed and shipped loan packages, followed up with borrowers by conducting welcome calls within 3 days of shipping loan package; requested documentation needed; scheduled closings with borrowers as well as with title companies & mobile notaries; prepared closing packages; reviewed signed loan packages, met compliances by completing collaterals within 24 hours, stacked files and shipped to corporate office within its required time frame.

Maintained full accountability for 45-50 HELOCS, full, reduced, streamline and super streamline loans per month as well as for first and second mortgages

Analyzed & researched income documentation, tax returns, rental verifications, employment verifications, bank statements, credit reports, appraisals, titles, etc.

Experienced with EDGE and Lotus Notes, DESKTOP UNDERWRITTER & Mortgage application software

Ensured underwriting decision met program guidelines

Assumed responsibility for reviewing information from Fannie Mae desktop underwriter

Notified brokers/Account Managers of credit decision

EDUCATION

DeVry University Addison, IL

William Fremd HS Palatine, IL

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