Mortgage Closer Loan Specialist

GALIA SANTOS

**** ***** **** ***** ****: 954-***-****

Weston, Florida 33326 Email: *****.******@*****.*** LOAN SPECIALIST

Mortgage – Legal – Bankruptcy – Foreclosure

SUMMARY

A conscientious, detailed-oriented loan specialist who consistently provides a high level of performance. Keen knowledge and understanding of regulatory requirements, processing conforming and non-conforming products, compliance, and analyzing and validating data for Mortgage Loans, Legal, Bankruptcy and Foreclosures. Demonstrates strong analytical, organizational, communication, and customer service skills, with an ability to analyze and research any type of transaction. Collaborates well with all levels within an organization. PROFESSIONAL EXPERIENCE

HAMILTON HOME LOANS, Sunrise, Florida 04/2016 – 8/2022 Mortgage Closer

Assure compliance with final underwriter’s approval, HHL policies, RESPA, and any other federal regulatory requirements

Communicate and coordinate closings with title companies, loan advisors, and processors to facilitate excellent service

Analyze and approve the title commitment. Ensure title work is clear of liens, judgments and encroachments

Inspect and approve required insurance policies. Insurance coverage must be sufficient; policies need to be active at time of closing and paid in full

Review, balance and approve the HUD-1 Settlement Statement to ensure all data is accurate and complete BAYVIEW LOAN SERVICING, Doral, Florida 2/2014 – 4/2016 Foreclosure Coordinator

Foreclosure Loan Servicing

Loss Mitigation Stops and Holds

Familiar with CFPB requirements and compliance

Foreclosure timeline management

Servicing for Freddie Mac Loans and compliance

Resolution of title issues, transfers and probate JPMORGAN CHASE, Deerfield Beach, Florida 2007 – 2013 Purchase Funding Analyst 12/2012 – 10/2013

Quality review of a high volume of USDA loans for investment purchase

Identify funding exceptions and work closely with lenders to resolve issues that hold up the purchase

Review and sign-off on any outstanding “Prior to Funding” conditions

Ensure loan data is accurately entered into the system to prepare for funding

Knowledgeable with all mortgage loan documents, and experienced with HUD-1 review, escrow set up, and insurance and title review

SPECIAL PROJECT: Participated in Federal & State High Cost Test review project for audit Senior Operations Specialist – Foreclosure 09/2011 – 12/2012

Managed a high volume pipeline of multi-type affidavits of indebtedness, complaints, assignments, and substitution of trustees, while adhering to Bank policies and OCC regulations

Monthly processed on average of 300 various judgments on affidavits of indebtedness

Verified all facts for complaints submitted by the foreclosure attorney prior to execution and notarization

Responsible on a daily basis for updating production activity with status (documentation sent/receipt dates from foreclosure attorney and compliance verification team, deficiencies, proactive follow ups, internal issues, etc.) in order to refer any potential issues to Senior Management for further escalation

Reviewed aged foreclosure attorney issues and resolved them through investigations within various departments (bankruptcy, loss mitigation, REO) to prevent delay of foreclosure property going to sale

Litigation Collection Specialist (Office of the General Counsel) 08/2007 – 08/2011

Review cases pursuant to a Suggestion of Bankruptcy and the appropriate governing FL statute

Prepare Dissolutions of Writs and Continuing Writs

Create all Motions/Orders related to Bankruptcies

Vacate Final Judgments or Final Judgments of Garnishment

Complete all legal correspondence furnished to opposing counsel

Prepare files for the sale of the Judgment

Sub Prime Mortgage Closer 05/2007 – 08/2007

Reviewed loans for accuracy and completeness prior to system input

Communicated with an escrow/settlement agent about vesting and estimated closing fees

Obtained verification of employment

Prepared closing documents and forwarded to escrow/settlement agents detailed closing instructions

Reviewed HUD-1 received from title agents/attorneys and requested revisions or issue funding approval

Completed funding of the loan including handling wire requests and adjustments ABN AMRO MORTGAGE GROUP, Sunrise, Florida 12/2002 – 05/2007 Senior Retail, Purchase and Wholesale Closer

Monitored daily pipeline to ensure timely, smooth, and successful closings

Scheduled incoming loans including preparing and sending closing documents to title companies

Reviewed settlement statements, then coordinated with closing agents, attorneys, brokers, and funders all parties to efficiently complete loan packages

Communicated in an open, clear, and consistent manner with all parties through the closing process

Determined funding breakdowns and provided authorization to the corporate office to fund loans and resolve any post closing concerns

Reviewed title commitment for liens, judgments, and vesting issues

Validated the HUD-1 by determining funding breakdowns, and balancing figures with title companies

Administered cross training to fellow teammates and trainees CERTIFICATES

Loan-to-value - Mortgage Insurance - Tax Analysis - Fraud Awareness - Analyzing Appraisals – Automated Underwriting - Customer Experience - Attitude and Connection - Loan Processing – Notary Public COMPUTER SKILLS

Encompass-Windows – Microsoft Office – Lotus Notes - Excel – Outlook – Laser Pro Mortgage – D-3000 - Merlin – Moai One Fee (RealEC) – Moai Rocks - Mupit – Online Documents – Closer – Rumba – TAW – IRQ – ELF – NetOxygen/Gallagher – Columbia Ultimate – Pacer - LPS – MSP – DocLine – I/Vault – LISA – CCW – FileNet- CAPS – Access

AWARDS AND RECOGNITIONS

Received Bonus Bucks and Star Cards for outstanding overall performance

Received Outstanding Performance award for 3 consecutive months

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