Elsie Marie Schwarz

**** ** **** ** *** **, Midwest City, OK 73130

405-***-****/adt0bf@r.postjobfree.com

Summary: I have been in the Consumer, Mortgage, Title & Abstract industry for over 30 years. I began my journey in 1991 and was hooked ever since. I did stray and went to school and received my Associates in Arts with Platt College in 2009. I was hired with American Southwest Mortgage Corp in 2014 and flourished until the company dissolved in 2017. I am highly motivated and eager to accomplish any task put in front of me. I appreciate your consideration.

Skills: 1. Reliable 5. Customer service-focused

2. Friendly 6. Analytical

3. Detail-oriented 7. Able to analyze credit reports 4. Excellent time-management

Experience

06/2018 Communication Federal Credit Union, Oklahoma City, OK To

Present Post-Closing Team (November 2019 – Present) Review all documents for signatures and accuracy on all types

(Conventional, 2nd, FHA, VA, and Rural Development) of closed loan files. Interaction with loan processing, loan closing, and/or origination staff for assistance as needed to retrieve corrected/missing documents. Responsible for obtaining documents to complete loan files and day to day filing.

Verify all Prior to Close and Funding Conditions in file, stack and ship to investor if Government or 97% Conventional.

Required to Record all 2nd Mortgages via Simplifile or mail to applicable counties.

Monitor Final Documents (Recorded Mortgage & Final Title Policy) contact Title Companies requesting receipt of documents.

Perform monthly Pre-Closing Audit on Conventional and 2nd Mortgage applications, verifying Loan Officer, Loan Processor and Underwriter for all items pertaining to the file.

Self-starter and able to complete work with strict time limits. 2nd Mortgage Loan Processor/Temporary 1st Mortgage Processor (June 2018 to November 2019)

Verify and examine information and accuracy of loan application and closing documents. Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts. Answer questions and advise customers regarding loans and transactions. Contact customers by mail, telephone, or in person concerning acceptance or rejection of applications.

Record applications for loan and credit, loan information, and disbursements of funds, using computers.

Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers. Present loan and repayment schedules to customers. Calculate, review, and correct errors on interest, principal, payment, and closing costs, using computers or calculators.

Check value of customer collateral to be held as loan security. Contact credit bureaus, employers, and other sources in order to check applicants' credit and personal references.

File and maintain loan records.

Submit loan applications with recommendation for underwriter approval. Order property insurance or mortgage insurance policies in order to ensure protection against loss on mortgaged property.

Review customer accounts in order to determine whether payments are made on time and that other loan terms are being followed. 07/2014 American Southwest Mortgage Corp, subsidiary of CBB, Inc and to Addison Group, Oklahoma City, OK

11/2017 Underwriting Coordinator (April 2017 – November 2017) Clear underwriter's conditions.

Assist customers on the phone and via email.

Knowledge of underwriting guidelines and products. Monitor internal reports for the underwriter.

Prepare Verbal Verifications of Employment for all loans. Adhered to all federal and state compliance guidelines relative mortgage lending.

Verified all Prior to Close conditions clear to issue Clear to Close to Loan Officer, Processor and Underwriter.

Production Compliance Underwriter (Nov 2015 – April 2017) Prepare Loan Estimates within strict time limits per compliance. Review all Initial Loan Disclosures and Loan Estimates (if prepared by Broker) for accuracy and time limitations.

Review pertinent documentation for expiration dates. Work closely with broker on loan files.

Correspond with customers via email regarding files. Multi-tasking and working within strict time limits to meet deadlines for file compliance.

Mortgage Loan Reviewer (October 2014 – October 2015) Review all documents for signatures and accuracy on all types

(Conventional, FHA, VA, Section 184 and Rural Development) of closed loan files. Interaction with loan processing, loan closing, and/or origination staff for assistance as needed to retrieve corrected/missing documents. Responsible for obtaining documents to complete loan files and day t o day filing.

Verify all Prior to Close and Funding Conditions in file, stack and ship to investor.

Self-starter and able to complete work with strict time limits. Addison Group (July 2014 – October 2014)

Temporary to Permanent with CBB, Inc

02/2014 Pro-Unlimited Temporary Agency, Santa Ana, CA to

03/2014 Customer Service Representative

Confer with customers by telephone or in person to provide information on products or services, take/enter orders, cancel accounts, or obtain details of complaints.

Make sure appropriate changes were made to resolve customers' problems. Determine charges for services requested, collect deposits or payments, or arrange for billing.

Contract completed.

06/2012 Adfitech, Edmond, OK

to

12/2013 Quality Assurance Mortgage Underwriter

Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. Review loan agreements to ensure they are complete and accurate according to policy.

Identify quality problems and recommend solutions. Verify and examine information and accuracy of loan application and closing documents.

10/2008 Embassy Suites, Norman, OK

to

01/2010 Line Cook

Season and cook food according to recipes.

Ensure food is stored and cooked at correct temperature. Inspect and clean food preparation areas to ensure safe and sanitary food- handling practices.

Consult with supervisory staff to plan menus.

Substitute for or assist other cooks during emergencies or rush periods. 05/2007 Capitol Abstract & Title Company, Edmond, OK to

08/2007 Escrow Closing Agent

Examine documentation such as mortgages, liens, judgments, easements, plat books, maps, contracts, and agreements in order to verify factors such as properties; legal descriptions, ownership, or restrictions. Read search request in order to ascertain types of title evidence required and to obtain descriptions of properties and names of involved parties. Copy or summarize recorded documents, such as mortgages, trust deeds, and contracts that affect property titles.

Examine individual titles in order to determine if restrictions, such as delinquent taxes, will affect titles and limit property use. Confer with realtors, lending institution personnel, buyers, sellers, contractors, surveyors, and courthouse personnel in order to exchange title- related information or to resolve problems.

Enter into recordkeeping systems appropriate data needed to create new title records or update existing ones.

Retrieve and examine real estate closing files for accuracy and to ensure that information included is recorded and executed according to regulations.

Prepare real estate closing statements, utilizing knowledge and expertise in real estate procedures.

11/2001 Independent Title Services, Inc., Milwaukee, WI to

02/2007 Escrow Closing Agent

Examine documentation such as mortgages, liens, judgments, easements, plat books, maps, contracts, and agreements in order to verify factors such as properties' legal descriptions, Owner ship, or restrictions. Read search requests in order to ascertain types of title evidence required and to obtain descriptions of properties and names of involved parties. Copy or summarize recorded documents, such as mortgages, trust deeds, and contracts that affect property titles.

Examine individual titles in order to determine if restrictions, such as delinquent taxes, will affect titles and limit property use. Prepare reports describing any title encumbrances encountered during searching activities, and outlining actions needed to clear titles. Confer with realtors, lending institution personnel, buyers, sellers, contractors, surveyors, and courthouse personnel in order to exchange title- related information or to resolve problems.

Enter into recordkeeping systems appropriate data needed to create new title records or update existing ones.

Prepare and issue title commitments and title insurance policies based on information compiled from title searches.

Retrieve and examine real estate closing files for accuracy and to ensure that information included is recorded and executed according to regulations.

Prepare real estate closing statements, utilizing knowledge and expertise in real estate procedures.

09/1999 Cooper Power Systems, Pewaukee, WI

to

10/2001 Assembler/Mold Press Operator

Set up and operate production equipment.

Monitor and adjust production processes or equipment for quality and productivity.

Troubleshoot problems with equipment, devices or products. Start up and shut down processing equipment. Prepare and assemble materials.

Maintain inventory of job materials.

01/1999 Countrywide Home Loans, Brookfield, WI

to

08/1999 Mortgage Loan Processor

Verify and examine information and accuracy of loan application and closing documents. Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts. Answer questions and advise customers regarding loans and transactions. Contact customers by mail, telephone, or in person concerning acceptance or rejection of applications.

Record applications for loan and credit, loan information, and disbursements of funds, using computers.

Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers. Present loan and repayment schedules to customers. Calculate, review, and correct errors on interest, principal, payment, and closing costs, using computers or calculators.

Check value of customer collateral to be held as loan security. Contact credit bureaus, employers, and other sources in order to check applicants' credit and personal references.

File and maintain loan records.

Submit loan applications with recommendation for underwriter approval. Order property insurance or mortgage insurance policies in order to ensure protection against loss on mortgaged property.

Review customer accounts in order to determine whether payments are made on time and that other loan terms are being followed. 05/1998 Local Federal Bank, Oklahoma City, OK

to

12/1998 Mortgage Loan Processor

Verify and examine information and accuracy of loan application and closing documents. Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts. Answer questions and advise customers regarding loans and transactions. Contact customers by mail, telephone, or in person concerning acceptance or rejection of application.

Record applications for loan and credit, loan information, and disbursements of funds, using computers.

Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers. Present loan and repayment schedules to customers. Calculate, review, and correct errors on interest, principal, payment, and closing costs, using computers or calculators.

Check value of customer collateral to be held as loan security. Contact credit bureaus, employers, and other sources in order to check applicant credit and personal references.

File and maintain loan records.

Submit loan applications with recommendation for underwriting approval. Order property insurance or mortgage insurance policies in order to ensure protection against loss on mortgaged property.

Review customer accounts in order to determine whether payments are made on time and that other loan terms are being followed. 05/1997 Tyndall Federal Credit Union, Panama City, FL to

05/1998 Mortgage Loan Processor

All same as above.

01/1997 Liberty Home Mortgage, Ogden, UT

to

04/1996 Mortgage Loan Processor

All same as above.

04/1996 Goldenwest Credit Union, Ogden, UT

to

12/1996 Mortgage Loan Processor

All same as above.

06/1991 Tyndall Federal Credit Union, Panama City, FL to

04/1996 Loan Processor, Proof Operator

Verify and examine information and accuracy of loan application and closing documents. Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts. Answer questions and advise customers regarding loans and transactions. Contact customers by mail, telephone, or in person concerning acceptance or rejection of applications.

Record applications for loan and credit, loan information, and disbursements of funds, using computers.

Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers. Present loan and repayment schedules.

Calculate, review, and correct errors on interest, principle, payment, and closing costs, using computers or calculators.

Check value of customer collateral to be held as security. Contact credit bureaus, employers, and other sources in order to check applicants' credit and personal references.

File and maintain loan records. Accept payment on accounts. Submit loan applications with recommendation for underwriting approval. Review customer accounts in order to determine whether payments are made on time and that other loan terms are being followed. Establish credit limits and grant extensions of credit on overdue accounts. Education and Training

2009 Platt Culinary Institute Associate of Arts: Culinary Arts 1996 University of Phoenix: FHA & VA Mortgage Loan Processing Certificate of Completion

2017 Regulatory University

Certificate of Completion: ID Theft: Red Flags Rule 2017 Regulatory University

Certificate of Completion: ID Theft Red Flags Rule Video 2016 Regulatory University

Certificate of Completion: Anti-Money Laundering - Mortgage Lenders 2016 Regulatory University

Certificate of Completion: OFAC Basics

2017 Regulatory University

Certificate of Completion: Fair Lending Refresher - Non Bank 2017 Regulatory University

Certificate of Completion: OFAC Basics Radian Training 2017 Certificate of Completion: Reviewing Rural Property Appraisals 2017 AMSW Training

Certificate of Completion: Section 184 - Indian Housing Loan 2017 Genworth Training

Certificate of Completion: Self-Employed Borrower - Cash Flow Form 1084 Part 1 Personal Tax Returns

2017 Genworth Training

Certificate of Completion: Self-Employed Borrower - Cash Flow Form 1084 Part II Business Returns

2017 Genworth Training

Certificate of Completion: Calculating Rental Income - Fannie & Freddie 2017 Radian Training

Certificate of Completion: Understanding & Reviewing Appraisals 2015 CFPB Training

Certificate of Completion: TILA-RESPA Integrated Disclosure - Guide to the LE & CD

2017 Radian Training

Certificate of Completion: Not Your Ordinary Assets 2017 MGIC Training

Certificate of Completion: Evaluating the Self-Employed Borrower 2017 Radian Training

Certificate of Completion: Not Your Ordinary Income 2017 Genworth Training

Certificate of Completion: Reviewing & Calculating Income from Miscellaneous Sources

2017 Radian Training

Certificate of Completion: Fannie Mae - Home Ready Loan 2017 FHA Training Module

Certificate of Completion: FHA - Disaster Victim Program 2017 Genworth Training

Certificate of Completion: Manufactured Housing

2017 MGIC Training

Certificate of Completion: The Fundamentals of the Mortgage Process Evaluating Income

2017 Arch MI Training

Certificate of Completion: Negotiate the Numbers

2017 Radian Training

Certificate of Completion: Understanding & Reviewing Condo Appraisals 2017 Genworth Training

Certificate of Completion: Loan Product Advisor - Understanding the Feedback Certificate

2017 Genworth Training

Certificate of Completion: Mortgage Loan Essentials 2017 Essent Training

Certificate of Completion: Components of Credit Scoring: The Meaning Behind the Number

2017 Essent Training

Certificate of Completion: K-1 Workshop

2017 Essent Training

Certificate of Completion: Desktop Underwriter - Interpreting The Findings Activities and Honors

I was a member of "Women's Bowling Association" WBA in Okinawa, Japan in 1990 - 1991

- I served as Publicity Director and Secretary for bowling Leagues I was "Queen of the Rock" C Division in 1991.

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