Customer Service Loan Officer

MARGARET REIMERS

*** **** ***** ****, ** *****

469-***-**** ********.*******@*****.***

Objective An opportunity to enhance my career objectives with increasing responsibilities and advancement potential in a professional environment. Qualifications

Twenty years’ experience in the highly competitive mortgage industry.

Highly trained with brokers, loan officers, and title companies.

Recognized on numerous occasions for Customer Service abilities.

Results oriented with high standards of job performance; resourceful and articulate. Experience Black Mann & Graham Dallas, TX

Senior Closing Specialist, September 2017 – Present Engaged in communications with customers, underwriters, processors, brokers, and peers setting expectations of closing / funding transactions. Create all closing documents on behalf of the attorney and ensure that the documentation met government compliance standards. Accountable for timely audits with excellent quality. Interpret borrower’s income and assets to satisfy loan conditions and requirements. Analyze legal documentation to resolve any state specific guidelines out of order. Correct errors and confirm accurate funding, lien payoffs, and final mortgage recording by working with attorneys, loan officers, and other departments. Review, approve and balance the Closing Disclosure Statement. Determine and manage the loans wire amount for funding authorization. Attentively audit signed funding documentation to ensure funding requirements are met. Recognized by management for Customer Service Excellence.

Starkey Mortgage Plano, TX

Senior Closing Specialist, May 2014 – September 2017 Prepare Closing packages and provide funding authorization to Title/Escrow Agents. Review signed closing packages for accuracy knowing fee tolerances and how to handle tolerance violations when 3 day wait periods apply. Ensuring the closing package is fully complete and accurate and compliant, which includes but is not limited to: itemized lender and seller credits, POC credits and itemized fees are listed in the correct sections, fee entries are correct, escrows set up properly, ensure all date entries are completed to ensure accurate reporting, and to ensure Loan Officers (and team) have visibility to the steps that have been completed. Update status notes within the TRID form regarding communication with Loan Officer, borrower or settlement agent. Experience and extensive knowledge of new RESPA/GFE laws. Detailed knowledge of Closing and Legal Documents (HUD-1, Note, Deed of Trust, Assignment, and Title Binder) and: Disclosure Documents (TIL, GFE, Right of Rescission.) Work with Encompass. Detailed knowledge of: FHA/VA/USDA Loan Documents, Credit Documents (DU/LP Findings, 1003, 1008, Credit Report, VVOE, Appraisal,) Insurance Documents (Hazard, Flood, MI,) MDIA Disclosure timing and APR rules. Clear focus on detail and ability to recognize inconsistencies in data/documents. TILA/RESPA LE/CD fee tolerance comparisons and change of circumstance. Thorough understanding of compliance, underwriting, origination, and processing roles. JP Morgan Chase & Company San Ramon, CA

Senior Closing Specialist, October 2012 – April 2014 Fast-paced, high-volume mortgage company where main job description includes but is not limited to: preparing closing docs, review and approve HUD-1, review signed closing docs from title company and authorize funding, clear funding and suspense conditions, order wires through multiple warehouse banks, pay FHA funding fees, review file for RESPA violations and ensure file is in compliance and fees/APR’s are with intolerance prior to doc release. Strong background in FHA, VA, USDA, HARP and conventional / purchase loans. Work with over 40 states (table funding and escrow states,) sign off prior to funding conditions that have been completed or worked with the U/W, Broker, Title, or Attorney to get the condition met in order to have loan documents prepared or funded. Wells Fargo Home Mortgage, Walnut Creek, CA

Loan Closer Specialist IV, January 2006 – October 2012 High-volume mortgage company where main job description included: preparing all types of closing docs, FHA, funding loans, worked with all facets of the organization to make sure the files for post-closing were finished in a timely fashion. Helped to establish new HARP center and procedures. Capable of closing and funding 210 loans per month. Trained, developed, and coached new employees to comply with FHA guidelines Education Lyndon State College, Lyndon, VT General Education / Business University of Vermont, Burlington, VT Business

Canada College, Redwood City, CA Accounting

References Available Upon Request

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