KERI GRAY KLEIN

Scottsdale, Arizona adsobo@r.postjobfree.com Mobile: 602-***-**** NMLS: 853284

I am an effective, organized, analytical person with exceptional critical thinking skills. My greatest strength is my ability to connect with others, but I am also highly effective in workflow analysis, problem solving, and negotiating. My ideal position is with an all inclusive, diversified collection of people. I truly believe that a positive culture fosters great things.

loanDepot.com, LLC

Senior Account Manager II – Consumer Direct Originations Sept 2021 - March 2022

Responsible for file organization for complete packages for final underwriting

Kept Customers updated regarding documents needed to clear the file every three days

Maintained a 50% conversion rate

Responsible for ordering: reviewing all income documents to ensure a complete income profile was ready for submission to underwriting, ordering all: subordinations, title revisions, tile corrections, lien releases, appraisal corrections, [payoff demand statements, insurance documents, complete disclosure packets, and corrections to the application information based on conversations with the Customers

Reviewed all legal documents, including, but not limited to: Trusts, divorce decrees, bankruptcy discharge papers, Wills, and DD214’s

Coordinated with the Underwriter, Mortgage Banker/Loan Officer/Broker, Trust Team, Title Vendors, Notaries, Docs Team, and Management to ensure the process completes <45 days

KBHS Home Loans

Senior Loan Processor – New Build Purchase Feb 2021 - May 2021

Acted as the main point of contact for communication between the Customer and the Underwriter

Coordinated internal Teams with Customer to collect all TRID items for the file in a timely manner and collected all clear-to-fund items for the file as quickly as possible

Collected all documents submitted by the Customer, including, but not limited to: income documents, insurance preference document, disclosure documents, and gift letters

Ordered: insurance, title work, appraisal documents, builder completion certs, warranties, FHA verifications, fraud guard, AUS, and completion letters

Typical daily tasks: reviewed all docs for accuracy, documented tax distributions, verified vesting with the Customer, verify all FHA/VA disclosures,

Documented FEMA disaster declarations, reviewed Underwriter findings, advised Underwriter when/if anything needed to be addressed outside the normal scope of review, reviewed tax returns to ensure all correlating docs were in the file, reviewed appraisals, continually reviewed each file for continuity, and reviewed ICD, CD, and closing documents for accuracy, as well as the reviewing with the Customer

First Guaranty Mortgage Corporation

Senior Account Manager – Wholesale Channel Team Sept 2020 – Feb 2021

Main point of contact for communication between the Customer (Broker,) the Underwriter, the Account Executive (Internal Sales Partner,) and all of our internal Teams to collect all TRID items for the file in a timely manner, and collect all clear-to-fund items for the file as quickly as possible.

Verified all documents submitted by Broker’s Processors, requested additions, corrections, and updates

Typical daily tasks: reviewed all docs for accuracy, reviewed all liens, tax distribution dates, vesting, FEMA disaster declarations, Underwriter findings, advised Underwriter when/if anything needs to be addressed outside the normal scope of review tax returns to ensure all correlating documents were in the file, and to ensured each file’s continuity

Review ICD, CD, and closing documents for accuracy, and reviewed with the Customer

JP Morgan Chase Bank, N.A.

Senior Loan Processor – Consumer Direct Purchase Team July 2019 – January 2020

Single point of contact between the Customer, the Underwriter, the Home Lending Advisor, the Title Company, and our internal Teams to have all TRID items in file in a timely manner in order to complete the process a week before closing

Reviewed the insurance, title commitment, tax cert, and all other documents required for the file to close within compliance

Made sure the file adhered to Reg B, TRID, FHLMC, FNMA guidelines, as well as Chase policies

Worked with Customers and Title Companies to have any title issues pertaining to currently owned properties resolved prior to closing to ensure a smooth closing

Kept new build Customers updated as often as preferred while tracking updates from the Real Estate Agent, Builder, and the Customer

Reviewed documents from the Customer prior to underwriting to ensure all documents needed to calculate income were received

Senior Loan Processor – Home Equity February 2016 – July 2019

Made sure all documents were in the file for underwriting review, including but not limited to: income documents, insurance declarations page, clear title, any corrective deeds were recorded to ensure a clear title, and tax certification

Subject Matter Expert (SME) for Texas

Active Contributor to the Operations Excellence Team for new process ideas and implementations

Overall score from Customers (91.33%) for Processor role:

90% overall quality of service & 95% courtesy and professionalism

Thoroughly reviewed tiles to be sure TX 50(a)6 compliance was adhered to

All processing duties including, but not limited to, pulling payoffs, verifying employment, reviewing insurance, reviewing appraisals, submitting requests for reconsideration of value, restructuring the loan based on Customer needs

Consumer Loan Specialist II – Mortgage Insurance Curtailments February 2015-January 2016

Researched Chase documented events for evidence to appeal mortgage insurance curtailments

Collected and Packaged documents for Special Projects (audit) requested by Fannie Mae

Provided the Mortgage Insurance Companies and Investors with accurate data pertaining to curtailments

Sr. Loan Documents Processor – Retail Originations November 2011- February 2015

Organized files into complete packages to send to Underwriting

Kept the Borrower(s) updated and advising of documents needed to clear the file

Maintain a 65% volume of converted files monthly

Ordered subordinations and verified once received - occasionally drew up the document

Ensured all files met all FNMA, FHLMC and Chase policies and guidelines

Maintained call quality and file quality at 98% or better

Effectively maintained a pipeline of 30 – 50 loans

Coordinated with the Underwriter, Mortgage Banker, and all Vendors to ensure a smooth process

Set up closings, coordinated with the Customer, Loan Officer, and Title Companies or Branches

Skill sets include: Microsoft Suite, Mortgage Loan Processing (Conventional, FHA, VA, USDA,) FHLMC/FNMA guidelines, Equifax, RealEC, Credco, Hogan, Encompass, Empower, Lending Pad, LPS, LPSD, MSP, PACER, LPA, DU, dual monitor navigation, multiple phone lines, inbound and outbound calling, Homestead laws, management, reconciliation, 70 w.p.m.

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