Mortgage loan closer
Resume:
Cordelia Thomas
Marietta, Ga ***67
*******@*****.***
Summary of Skills
Experienced mortgage and customer service professional, with proven skills in loan and account review, borrower education & peer training. Excels in making appropriate decisions to prevent financial and collateral loss. Skilled in negotiations, income calculations, credit education, relationship building, customer obsession, risk analysis/assessment and document review. Well versed in FNMA, FHLMC, FHA, VA, HUD, GNMA, Bond, USDA, Jumbo Refi, TRID and Regulation Z guidelines.
Possesses regulatory
knowledge default
servicing
Excellent leadership
skills and team-work
capabilities
Written and verbal
presentation and
negotiation,
Problem-solving Microsoft Office Suite Loan processing Loan closing Warehouse and Conflict
resolution skills
Policy and Best
Practices
EXPERIENCE
Boston National Title Agency, LLC- Loan Closing Specialist March 2021 to June 2022
● Coordinated all phases of loan closing by preparing HUD, CD and Closing Documents.
● Prepared loan closing packages and communicated with all parties involved in the transaction. Ensured that all paperwork was complete, accurate and in compliance with regulations.
● Managed and supported lender relationships with the build out of documents and preparation of closing documents.
● Communicated and collaborated with attorneys, realtors, notaries and lenders to address closing instructions, prorate taxes, calculated loan interest and prepared escrow settlement statements.
● Managed assigned closing transactions efficiently and with care.
● Assisted with questions and issues at the closing table.
● Assisted with the preparation, execution and recording authorized documents.
● Performed other duties such as special projects, follow ups and assisted the lender with post close issues.
● Provided excellent customer service and professionalism. Mutual Of Omaha Mortgage-Mortgage Loan Closer/Funder September 2020-February 2021
● Prepare closing documents completely and accurately. Coordinate all aspects of the closing process.
● Accurately input data into the system and other applications as needed. Confirm closings and inform the appropriate internal personnel. Manage and perform multiple tasks accurately in a fast-paced and challenging environment.
● Obtain property tax information and verify accuracy with title company. Review hazard insurance and premiums to ensure we had sufficient insurance in place at closing and ample amounts collected for next due. Calculate tax escrows and ensure ample amounts are collected for next due date.
● Collect and review any ”at closing conditions”, review settlement statements to ensure all fees have been collected/disbursed, requested funding and disbursement of funds.
● Assist post closing department to obtain any outstanding documentation, as needed.
Suntrust Bank- Mortgage Loan Coordinator
June 2020-September 2020
● Validates supporting documentation provided meets AUS/LQS guideline standards.
● Review income and asset documentation to ensure it matches the figures used in the application and loan level notes to ensure any and all potential underwriting questions are addressed.
● Determine the next step in the file lifecycle, based upon product type and full review. Transition to processor, underwriter or hold in originations for further documentation.
● Review AUS findings against application and documentation provided to ensure all required documentation provided matches. Amazon Cle5/Atl8, Lithia Springs, GA- Fulfillment Associate September 2017-September 2020
● Utilized different daily processes and standard work to increase overall productivity daily.
● Increased personal quality of performance by 15% over the course of a quarter and coached and trained new associates on a variety of Power Industrial Vehicles.
● Partnered with different support functions to deep dive into problems and find solutions.
JP Morgan Chase Bank, Cleveland, OH- Mortgage Loan Closer Support July 2018-December 2018
● Managed a scheduling email box for the scheduling of conventional and refinance loans.
● Assigned load balancing files, prepared documentation and submitted final closing disclosures for review.
● Coordinated with attorneys, buyers, settlement agents, title companies, escrow agents, surveyors and real estate agents to complete loan submissions and establish closing dates and times.
● Assisted home lending operations manager with discrepancies, rushes, delays and/or issues with scheduling request.
● FHA, VA, Conventional, Bond Loans
New York Community Bank, Cleveland, OH- Mortgage Loan Specialist January 2016-October 2017
● Conducted complex analysis of mortgage accounts to inform of recommendations on management and ways to mitigate risk and minimize incidents of default/loss, to stay compliant in accordance with Fannie Mae & Freddie Mac investor guidelines.
● Contacted customers to inform of account status, missing and/or incomplete documents needed to calculate income to determine financial ability for alternate programs such as repayment, forbearance and modification options.
● Reviewed and explained customers escrow annual analysis by comparing the current escrow balance, the dispersed taxes & insurance with the successful calculations of their mortgage agreement and new escrow disbursements.
● Compliant with regulatory requirements, including accurate reporting and Dodd Frank procedures.
● FHA, CONV, VA, FHLMC
STP Management, Charlotte, NC- Collections Risk Specialist August 2014-July 2015
● Calculated and negotiated payments, payment arrangements and settlements on payday loans and jewelry accounts.
● Utilized predictive dialer and broadcast system to contact delinquent debtors.
● Performed data entry functions to update financial status of the debtors and collection efforts.
U.S. Bank Home Mortgage, Bedford, OH - Risk Mortgage Specialist December 2009-July 2014
● Verified and processed data to determine the borrower’s eligibility for various workout options, based on guidelines established by investors and insurers.
● Assisted delinquent customers to find solutions to maintain homeownership and/or liquidation options.
● Initiated contact with customers to complete the verbal application and discuss the initial review, reason for default, financial ability, intent, and recommended appropriate workout solutions.
● Conversed with different business lines and regulatory agencies to obtain relevant information to formulate 30-45 response letters, qualified written requests and inquiries per month.
● Provided government websites and phone numbers to the borrowers.
● FHA, GNMA, FHLMC, BOND, CONV, USDA, FNMA
Education
Max Hayes, Cleveland, OH - GED
January 1999
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