MICHELLE L. KLINE

**** ******** ****** ~ Vineland New Jersey 08360 ~ 609-***-****

adsqwq@r.postjobfree.com

MORTGAGE LOAN SERVICING QUALITY ASSURANCE

MILESTONES:

MORTGAGE COMPLIANCE PROFESSIONAL

CLOSING / FUNDER SPECIALIST

MODIFICATION SUBJECT MATTER EXPERT

EXCELLENT INTERPERSONAL COMMUNICATION SKILLS

Employment History:

Loan Depot- Closer/Funder- Remote

12/14/20 - 3/27/22

Prepare/Audit all final loan documents to ensure compliance requirements are completed. Forwarded closing documents to all parties, including attorney’s, escrow and title companies.

Maintained open communication with processors to confirm accuracy of borrowers submitted documents such as title, appraisal, inspections, employment, taxes and homeowners.

Sufficient in guidelines for TRID, RESPA, HUD and GFE compliance. Knowledge of requirements for the loan process of Fannie Mae, Freddie Mac, VA, FHA.

Receiving signed closing package. Reviewed closing documents for accuracy of all signatures, dates, state compliance disclosures, regulations and notary stamps. Resolve closing issues and update closing documents if needed.

Auditing loans per policy and procedures and approve for funding. Disbursing or wiring funds in committed time frames.

Ensure customer service to internal and external clients.

Funded 95-120 loans per month.

Digital Risk, LLC- Home Prevention Closer- Remote

8/30/20 - 11/12/11/20

Accurately prepare, review and generate closing documents and ensure all compliance requirements are met. Assure error free documents are met in committed timeframe.

Sufficient in guidelines/knowledge for HARP, TRID, RESPA, HUD and GFE compliance. Knowledge of requirements for the loan process of Fannie Mae, Freddie Mac, VA, FHA.

Proficient review in title commitments.

Work in multiple applications to ensure coding and apply loan payments to HARP and loan modifications.

Ashmore Partners, LLC- Closing Coordinator Turnersville, NJ

11/2019 – 6/2020

Private mortgage lender specializing for Real Estate Investment Properties.

Accurately ensure proficiency in title review, title commitment, deeds, easements, restrictions, taxes and homeowners’ policies.

Collect, assemble, review and prepare mortgage-closing documents. Coordinated all documents and accuracy to prepare for loan closing. Coordinated closing between all parties. Prepared closing package, HUD review and approved. Funding review signed closing package, approve disbursements.

Sufficient in guidelines/knowledge for HARP, TRID, RESPA, HUD and GFE compliance. Knowledge of requirements for the loan process of Fannie Mae, Freddie Mac, VA, FHA.

Auditing loans per policy and procedures and approve for funding. Disbursing or wiring funds in committed time frames.

Sufficient in guidelines/knowledge for TRID, RESPA, HUD, GFE and compliance.

Tracked all closed loans for post-closing and ensure complete closed file received.

Funded average loans on monthly basis 40-50 monthly.

Coldwell Banker Excel Realty- Salesperson Vineland, NJ

3/2019 - Present

Buonadonna Financial Services, LLC – Financial Assistant Millville, NJ 6/2014 – 8/2019

Performs day-to-day operational procedures for a financial advisor investment practice. Job duties include preparation of meetings, retirement RMD’s, Estate consolidation, transfer, rollovers, year-end contributions, end of the year reviews. Maintain, Process and continue monitoring the workflow of files to completion of being established. Maintain and update financial reports and journal logs for compliance. Preparation of compliance audits for the firm. Works with large fund companies for annuities, 529 plans, 401k, mutual funds. Coordinate workshops and quarterly dinners/lunches for our high-end clientele.

David Barothol Law Office/Lyle Sell – Short Sale Processor / Loan Modification Specialist Vineland, NJ 11/10 - Present

Works directly with attorney/real estate agents to document the short sale packages for Principals (Sellers and Buyers), real estate agents and title companies. Collects/verifies all documentation for accuracy and completeness. Reviews and verify all paperwork to seamlessly complete all tasks to submit to underwriting. Complete negotiator tasks during absences and increases in volume and order required documents that are necessary to set up closing with title and lender. Knowledgeable in HAFA and HAMP programs and guidelines.

Mercadien Group – Subcontractor Vineland, NJ 07/13 – 12/13

Reviewing all aspects of loan processing/decisions to include look-back review in mortgage compliance/QC underwriting with all loan regulations including ECOA, TIL, FCRA, Fraud, Flood, HMDA, SCRA, RESPA, FACTA and SAFE Act.

Participating in continuous process improvements and high-quality standards with a focus on responsiveness to the internal/external auditors, examiners and mortgage process controls.

Seymour Wasserstrum Law Office – Loan Modification Specialist Vineland, NJ 01/10 - 10/11

Designed appropriate business model utilizing subject matter expertise to maintain attorney group compliance while consulting with loan modification clients. Determined eligibility processed and negotiated over 200 loan modifications for local clientele while maintaining compliance with evolving regulatory requirements.

SMLK Management Group – Mortgage Banker/Compliance Liaison Sharon, PA 01/04 - 12/09

Opened mortgage-banking branches for Sunset Mortgage, Premier Mortgage and Advisors Mortgage Group. Worked closely with corporate compliance officers on all compliance reviews for initial applications, loan files in process and closed loan files. Responsible for staffing and daily operations of prime lending team. Trained personnel on Automated Underwriting Systems while managing relationships with nearly 30 investors. Created streamlined tools for a full menu of loan products including Fannie Mae, Freddie Mac, VA, FHA and USDA.

Licensed mortgage broker/banker

Run loans through LP, DU underwriting experience

Completed successful ground up installation of net branch

Completed all daily functions of mortgage branch manager

Initial applications, residential loan originator, mortgage loan processor l, ll, and lll. Worked closely with lenders, appraiser, title, contractors, and homeowners insurance to clear conditions.

Assisted manager with all aspects of running mortgage branch in Vineland, NJ

Responsible for staffing and daily operations

Trained originators on Automated Underwriting Systems, how to increase efficiency with the use of technological advancements and FHA, VA, and other government loan types

Conduct daily market analysis in all existing or potential marketing regions

Complete daily financial analysis to maintain profits that always exceed estimates

Managed relationships with nearly 30 investors and captured loan product guidelines

Proactive approach to regulatory and compliance within the mortgage industry has built unprecedented consumer loyalty and satisfaction and respect amongst housing peers

Established and maintained referral campaign that supplies the branch with average monthly closing volume of $2.5 - $3 million per month in closed volume.

Wealth Capital Group – Account Manager Vineland, NJ 01/01 - 06/04

Worked as a relationship management professional conducting interviews and presentations for the firm’s key corporate accounts. Coordinated workshops and retirement planning seminars for the 401K advisory practices.

EDUCATION:

Atlantic Cape Community College -Associate in Science (A.S.) Mays Landing, NJ 08/98 – 05/00

500 Hrs. of Continuing Education (P.C.E.) 06/01 – Present

AML Certificate (general) 2019

Works efficiently with Equator & Res.Net Systems

Key software programs:

Empower

Encompass

Fannie Mae HomePath

Word, Excel and PowerPoint

Volunteer Experience:

Big Brother and Big Sister Club

Math Tutor at The Art Institute of Philadelphia

Making Noise Foundation Childhood Cancer

St. Mary’s Catholic School

References available upon request

Technologically available to work remotely and globally

Contact this candidate