Loan Processor/Loan Closer
Resume:
Vicki L. Moranti
Killeen, TX ***42
OBJECTIVE
To obtain a challenging position that both uses and expands upon my current skill set.
EMPLOYMENT
GUARANTEED RATE INC., Chicago, IL
CLOSER May 2022-Present
Review file for accuracy and to ensure that information is consistent throughout the file. Prepare initial Closing Disclosure and Closing Documents for signing. Review signed package for completeness and issue funds to title for disbursement.
GUARANTEED RATE INC., Chicago, IL
ASSISTANT CLOSING MANAGER Feb. 2022-May 2022
Assist closing team with file issues and pipeline management. Review files for tolerance cure approval. Review over and under fundings to determine if corrections are required and obtain refunds as needed.
GUARANTEED RATE INC., Chicago, IL Jul. 2021-Feb. 2022
PRE-PURCHASE SPECIALIST
Obtain conditions from investor and take the necessary steps to resolve those conditions for loan purchase. Reach out to processing and closing team as needed for assistance in resolving conditions. Submit conditions to investor and follow up to ensure purchase occurs as quickly as possible.
GUARANTEED RATE INC., Chicago, IL Aug. 2020-Jul. 2021
MORTGAGE CONSULTANT
Review income, asset and credit information for compliance with program guidelines prior to submission to underwriting. Update information in Encompass LOS to match documentation. Order title and escrow documents, payoffs, employment verifications, tax transcripts, verification of mortgage, credit supplements, etc. to complete the file. Follow up on loan conditions with loan officer, loan officer assistant, and borrower to ensure that they are obtained and submitted to underwriting in sufficient time to meet Close of Escrow date. Coordinate with back-end loan processor to ensure that they understand the file and are able to obtain the necessary items to submit file for clear to close. Various loan programs utilized include FNMA/FHLMC, FHA, VA, CalHFA, and several jumbo loan products.
WINTRUST MORTGAGE, Sherman Oaks, CA Dec. 2017-Jul. 2020
PROCESSOR
Review income, asset and credit information for compliance with program guidelines prior to submission to underwriting. Update information in Encompass LOS to match documentation. Order title and escrow documents, payoffs, employment verifications, tax transcripts, verification of mortgage, credit supplements, etc. to complete the file. Follow up on loan conditions with loan officer, loan officer assistant, and borrower to ensure that they are obtained and submitted to underwriting in sufficient time to meet Close of Escrow date. Various loan programs utilized include FNMA/FHLMC, FHA, VA, CalHFA, and several jumbo loan products.
HOMEBRIDGE FINANCIAL SERVICES, Sherman Oaks, CA Jun. 2004-Dec. 2017
CLOSER II
Job Duties: Prepare residential loan documents, including note, mortgage/deed of trust, final application, and closing disclosure using various systems including Encompass 360, Contour, Doc Magic, ICC, Pronet, GMD, and BlitzDocs ensuring that they meet both government and lender compliance with a 95%+ accuracy rate. Review loan documents for completeness, proper signatures, and accuracy of terms. Ensure loan documents are in accordance with final underwriter approval, including verifying all prior to funding conditions are met. Request wires through the treasury department and ensure that loan files balance. Train and assist co-workers on difficult/abnormal situations. Provide coverage for department manager.
A-TEAM STAFFING, Thousand Oaks, CA Feb. 2004-May 2004
Doc Drawer
Job Duties: Prepare residential loan documents, including note, mortgage/deed of trust, final application, truth in lending, and good faith estimate using various systems including Contour, Doc Magic, ICC, and GMD, ensuring that they meet both government and lender compliance.
THE CLAYTON GROUP, Shelton, CT Jul. 2003-Feb. 2004
Closed Loan Underwriter/Document Review Specialist for Correspondent Lending Unit
Job Duties: Accurate review of collateral documents and documents required for audit, including note, mortgage/deed of trust, assignments, 1008, application, AUS and underwriter approvals, HUD1, insurance, tax and flood certificates, title, and appraisal, to ensure successful purchase of closed loans from Correspondents within established time frames. Identify incorrect documentation and notify Correspondent via suspense report. Accurately enter loan information into WALT system for use by other departments such as servicing.
EDUCATION
KAPLAN COLLEGE, Davenport, IA Mar. 2002-Feb. 2007
Bachelor of Science in Criminal Justice
Associate of Science in Business Management
Certificate in Accounting and Finance with Academic Honors
AMERICAN INSTITUTE OF BANKING, Clifton, NJ 1998-1999
Certificate of Completion: Accounting I & II
WEST DEPTFORD HIGH SCHOOL, Westville, NJ 1991-1995
Awarded Diploma: Honors and college preparatory curriculum.
REFERENCES
Available upon request.
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