Closing Manager, Closer, Funder, Audit, Post Closing, Team Recruiter

REBECCA L. GARRETSON

469-***-**** Cell

************@*****.***

SUMMARY

Highly motivated and experienced professional with a proven ability to meet goals. Team player, excellent interpersonal and organizational skills. Organized and able to effectively manage multiple projects simultaneously. Thrive within highly competitive, fast paced environments.

EXPERIENCE

First Guaranty Mortgage Company Dec 2020 - June 2022 Closing Manager (Remote)

Manage 13 Closers and 1 Funder

Manage 25 India Team (Source Point)

Reviewed Resumes and Interviewed for mortgage positions Training new closers for Docs & System & Funding

Hold Monthly Meetings with Closers

Clear system compliance fails

Help with QC Audits and updates

Worked on Non-QM, Jumbo, Bond, MF home, Heloc, Fannie & Freddie, Conv, VA, FHA, USDA Worked with Texas Attorney s: Polunsky, Beitel & Green and Peirson Patterson Programs used: Encompass / Track via / Outlook / CIS / UltiPro, Teams, Zoom, The Work#, Excel, Title & Attorney sites Payroll / Timecards / Vacation approvals

First Guaranty Mortgage Company April 2019 - Dec 2020 Sr Closer/Funder Promoted to Manager 12/2020 (Remote) Manage pipeline

Reviewed resumes and interviewed for mortgage positions Data Entry for Purchase / Refinance loans

Complete Conventional / FHA / VA loans / USDA

Working with TX Attorneys

Send final documents and attorney documents to title Approving Final Closing Disclosures

Responsible for ordering wires

Responsible for wire approvals

Review & clearing funding conditions

Programs used: Encompass, Outlook, Zoom, Teams, The Work#, Excel, Title and Attorney Portals, Track via Ameri Home Mortgage March 2018 - January 2019

Sr Closer/Funder (Remote)

Manage Pipeline up to 60-115 loans

Reviewed resumes and interviewed for mortgage positions Data Entry for Purchase / Refinance loans

Complete Conventional / FHA / VA loans

Working with TX Attorneys

Send final documents and attorney documents to title Approving Final Closing Disclosures

Responsible for ordering wires

Responsible for reviewing / 2nd wire approval for my team Review & clearing funding conditions

Programs used: Encompass, MS, Outlook, PureCloud, Zoom, The Work#, Title and Attorney Portals Stearns Lending November 2016 - March 2018

Closer/Funder (Remote)

Managing excel pipeline

Reviewed resumes and interviewed for mortgage positions Close and fund for: CONV, FHA, VA, USDA

Clearing all prior to closing and funding conditions Data entry into Empower for new loans

Approving Final CD for closing

Final audit on executed docs

Working with Texas Attorneys and DOCS

Programs used: Empower, Orijin, Citrix, ADP

Caliber Home Loans August 2016 - November 2016

Closer/Funder

Pipeline reports in Excel

Perform Loan Quality Control prior to closing

Clearing all required prior to funding conditions

Responsible for Ordering and Approving wires for funding Preparing and sending closing documents to the title company for closing Approved HUDS for closing

Programs used: H2O program, Doc Portal, TRID

Paramount Equity Mortgage December 2014 - January 2016 Sr Mortgage Loan Processor II (Remote)

Process mortgage loans: Clearing all PTF conditions for closing Completed Conv, FHA and VA loans

Control of 30+ files monthly

Approved HUDS / Wires

Pipeline Reports - Excel

Responsible for Ordering Title Commitments, Appraisals, Survey, Payoffs and Closing documents Coordinated with borrower to collect documents required for final clear to close Perform Loan Quality Control prior to closing

Clearing all required PTF conditions

Programs used: Encompass, MS, Outlook, The Work#, Data Trac November 2013 - February 2017

Manager / CEO

Public Relations

Accounts Payable & Receivable

Ordering and Approving

Data Entry

Marketing

Pipeline Reports

Projects

Programs used: MS, Outlook, Square, Magenta & Brightladder, Point 6.0 WEEKEND / SIDE INCOME ONLY

Prime Lending September 2012 - February 2013

Sr. Mortgage Loan Closer (Remote)

Estimated Closed - 70 loans per month (FHA, VA, USDA and Conventional) Pipeline reports in Excel

Perform Loan Quality Control prior to closing

Clearing all required PTF conditions

Responsible for Ordering and Approving wires for funding Preparing and sending closing documents to the title company for closing Approved HUDS for closing

Capital One June 2012 - September 2012

Mortgage Loan Closing Manager

Managed 12 closers

Reviewed resumes and interviewed for potential closers, processors and coordinators Pipeline reports for individual closers

Data Entry

Responsible for approving incentives and monthly bonuses paid to closers and funders Responsible for solving issues with Unifi and Empower Responsible for solving issues between closers, title company and borrower Approved wires and payroll

Approved CD s /HUD S for closing

Capital One September 2011 - June 2012

Mortgage Loan Closer (Promoted to Manager 6/2012)

Process mortgage loans: Clearing all required PTF conditions Process and prepare for closing wholesale mortgage loans (conventional and government loans, purchases, and refinances) under various loan programs in accordance with policies and procedures Review signed documents to ensure that the loan was closed per program guidelines, underwriter s approval and closing instructions.

Approved HUDS for closing

Final file audit prior to closing

Pipeline Reports in Excel and Boarding loans in Unifi and matching with DU Bank of America November 2010 - March 2011

Mortgage Loan Closer

Coordinating the closing date with the borrower, escrow officer from the title company and delivering closing documents to the assigned title closer

Process and review all of information

Responsible for preparing and sending closing documents to the title company for closing Completed final approval on Settlement Statements (HUDS) Clearing all PTF conditions for closing

Ordered funds and sent to title for closing

Data entry and pipeline reports

Covenant Processing December 2007 - November 2010

Contract Mortgage Loan Processor CEO / Part time in between jobs Process mortgage loans: Clearing all PTF conditions for closing Control of Inventory

Marketing

Responsible for Ordering Title Commitments, Appraisals, Survey, Payoffs and Closing documents Coordinated with borrower to collect documents required for final clear to close Coordinated with Loan Officers for final audit on Settlement Statements Programs used: Point 6.0, MS (Excel and Outlook), Data Trac Countrywide Home Loans July 2008 - November 2008

Sr. Loan Specialist ll

Process FHA Mortgage loans: Clearing conditions for closings up to 45-60 files for Sr. Underwriters Process and prepare for closing wholesale mortgage loans (conventional and government loans, purchases and refinances) under various loan programs in accordance with policies and procedures. Responsible for registering loans on the origination system; maintain accuracy; issue proper disclosures as required by federal regulatory compliance.

Review rate lock and point objective for accuracy, ensuring overages and underage is approved as well as waiver of any fees. Settings up files and order any necessary exhibits for appraisals and credit report. Responsible for ordering title commitments, surveys and reviewing problems upon receipt. Coordinating the closing date with the loan officer, escrow officer from the title company and delivering file to the assigned closer.

Bank of America June 2007 - November 2007

Sr. Loan Closer

Process and prepare wholesale (both conventional and government purchase and refinance) loan packages under various loan programs in accordance with policies and procedures. Funding, Sending Closing Instructions to Brokers & Documents to Title Co. Directly interfaced with Brokers, Title Co. and Underwriters. Responsible for Auditing files for final closing.

Approved HUDS for closing.

Review residential appraisal reports and credit reports. Ensure each file has proper disclosures required by federal regulatory compliance. Obtain and review all loan conditions prior to sending loan to closing. Pipeline Reports and Boarding loans in LPS & AWD

Castle Financial Services May 2006 - May 2007

Sr. Loan Officer/Office Manager/Sr Processor

Set up mortgage accounts with 26 lenders.

Project Control.

Originate and process all files (Residential).

Process FHA, VA, sub-prime and conventional loans. Making sure that all FHA and VA forms are within compliance to be signed and dated correctly by all parties involved. Responsible for Ordering titles, appraisals and surveys. Review signed documents to ensure that the loan was closed per program guidelines, u instructions.

Setup for closing times.

Approved HUDS for closing.

Responsible for closing review with borrowers

Choice Mortgage, Inc. October 2004 - May 2006

Sr. Loan Officer

Responsible for Originating residential and commercial property loans Processed FHA, VA, sub-prime and conventional loans. Order title, appraisals and surveys.

Direct phone contact with company correspondents and lenders to ensure delivery of all loan closing documentation. Also responsible for making necessary corrections concerning the status of loan files and verify and input underwriting and credit information into the system.

Send funds to title companies and issuing funding authorization. Approved HUDS for closing

Crosspoint Funding January 1999 - October 2004

Office Manager, Loan Processor, Loan Officer

Originate residential and commercial property loans Clearing conditions for up to 30-40 files simultaneously Processed FHA, VA, sub-prime and conventional loans Responsible for ordering titles, appraisals, insurance and surveys Responsible for all files for state audits scoring 100% Project control

Inventory

Payroll, accounts receivables, and account payables EDUCATION / CERTIFICATIONS

9/21 Ellie Mae Compli & Regs ALL Texas Manager/Closing/Funder Education 9/21 Trid Texas Closing/Funder Education

7/14 American Assoc, of Notary Texas Notary

7/08 Countrywide Home Loans Texas Sr. Loan Specialist II Certified 6/07 Bank of America Texas Sr. Closer Certified

8/04 Texas Board of Licensing Texas Loan Officer License 3/00 State of Texas Texas Notary Commission

3/00 Dept of FHA Texas FHA Certified

3/98 Murray State College Durant, OK Sales License 3/94 UTA Arlington, TX Business License

1/88 Weatherford Jr. College Weatherford, TX Basics/Accounting PROGRAMS USED:

TRID

Encompass

Smartsheet

Streetlinks Appraisal

Credit Plus

Edge

Status Mart

Primepath

LT3

Point 6.0

Data Trac

Unifi

Empower

TrackVia

Medallion

Nitro

LPS, AWD, DU and LP, LDP and GSA

Microsoft Office (Outlook, Excel,

Power Point etc.)

Magenta (Web designing)

VA Portal

NCS Title website

Funding Ste

REI Source FEMA

V360 Appraisal

Credit Plus

REFERENCES:

Monica Pogue (VP at Stearns, AmeriHome & First Guaranty Mortgage) 972-***-**** Kelly Cameron (Operations Manager @ Stearns and AmeriHome) 214-***-**** Adrienne Brown 469-***-****

Christina Sanchez 469-***-****

NOTES:

2 - Letter of recommendations are available upon request Monica Pogue, VP at Stearns, AmeriHome & First Guaranty Mortgage she was my direct Manager at all 3 companies.

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