Mortgage Closer Customer Service

Jessica Rodriguez Laredo, Texas

210-***-**** **********@*****.***

http://www.linkedin.com/in/jessica-rodriguez-172683239

PROFESSIONAL PROFILE

I am a resourceful, dynamic professional with a broad range of experience in fast-paced business environments. I am a strong leader and motivator who excels in teaching, training, and empowering employees. I am a flexible, adaptable, results driven person who is committed to quality work with details in accuracy.

AREAS OF EXPERTISE

Operations Management Customer Service Training

Organizational Effectiveness Marketing Strategies

Resource Planning & Management Sales Strategies

Multi-site Management Personnel Management

Policies & Procedures Developmental Management

Train and write procedures for system conversions

Experience in conflict resolution and/ or de-escalation

Excellent problem solving skills

Adaptability to carry multiple projects

Completion of bank regulated exams

Banking regulations, Federal Laws, rules

Bilingual-Spanish

PROFESSIONAL EXPERIENCE

First Guaranty Mortgage Corp.- Plano,Texas

Senior Loan Closer-Remote (2020-2022)

●Verify loans documents for accuracy in different systems

●Prepare CD- closing disclosure and balance with title companies and or attorneys

●Fund loans, adhere to post-closing findings and quality control audits

●Collect/ coordinate all and any paper trail documents to satisfy any investor findings

●Engage attorney, appraiser, title company, etc. for QC approved packages as requested by lending teams. Continue to work with all parties to ensure a smooth and timely closing, review and approve settlement statement for accuracy, prepare funding paperwork as well as resolving all open items before and after closing.

Meet all underwriting/ investor conditions

Wells Fargo Bank- San Antonio, Texas

Assumptions Closer-Funder (2018-2020)

●Make contact with borrower and seller (person coming off loan and title) on all loans. Coordinate with attorney, title or vendors office conducting the closing

●Verify loans documents for accuracy in different systems

●Prepare CD- closing disclosure and balance with title companies and or attorneys

●Contact team members,responsible parties, or departments on discrepancies corrections

●Combine and convert document into PDF formats to send to vendors or tile company’s

●Meet all underwriting/ investor conditions

●Fund loans, adhere to post-closing findings and quality control audits

●Collect/ coordinate all and any paper trail documents to satisfy any findings

●Review signed documents for funding authorization

Wintrust Mortgage -Rosemont, Illinois

Compliance Specialist (2016-2017)

●Meet internal audit deadlines of compliance monitoring-Validating all fees charged to the borrower at closing

●Meet monthly report on 10% of loans closed and funded

●Logging and tracking internal audits in various departments

●System conversion testing

●Maintain Regulatory knowledge/ courses of Regulations, Federal and State Regulations Laws that impact Retail Lending

●HMDA-Track all errors found on 1003

●Verify/correct/update and track action codes for approval,denials,withdrawn loans

●Geocoding, Verify number of loans reported match production

●Audit findings-LO errors and report to department for corrections

●Closing Disclosure Scrub SME-Project

●Weekly reporting,Verify TRID calculation for timeline violations

●Loan Estimate comparison with the final signed Closing

●Analyzing of RESPA Disclosures to ensure adequate timelines were in adherence

USAA Federal Savings Bank-SanAntonio,TX

Mortgage Closer (2009-2016)

●POD project- concept in 2010 and Beta Team project in 2010

●Testing SME the department in Addison project in March 2013.

●Trust specialty team, skill builders,

●Audited new closers in Tampa

●Testing for closing docs, and met with Third Party vendors to collaborate in mortgage processes

●Received numerous Pride Tributes, High Five Awards for Excellence in Loan review from the QC Audit

●Pipeline management-Benchmark of less than 5% error ratio as documented through Quality Control reports, Internal Audits, External Audits and Regulatory Examinations

●Pre-closing audit review for accuracy on required closing documentation (such as the title commitment, survey,property insurance,MI cert)

●Coordinates the preparation of closing packages for accuracy prior to closing

●Coordinate disbursement of loan proceeds (usually via wire) review funding packages to meet requirements

●Coordinate investor delivery (and loan purchasing), government insuring, and final document (final title policy and recorded mortgage) tracking.

Emerald Capital Mortgage - Laredo, TX Loan Officer-Processor (2006-2008)

●Collecting client data and evaluating credit reports

●Working effectively with other departments to achieve company’s objectives

●Review loan folder to ensure accuracy at loan submission and closing documents

●Regarded as one of the company's most productive loan processors, handling an average of 22 files monthly.

●Outperformed company average in achieving loan-processing turn-around time of 12 days or less (compared to typical 15 to 20 days).

●Provided expedient service as key to consistently high customer satisfaction and a 10% increase in referrals in 2006.

●Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.

●Processed challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories).

South Texas Realty - Laredo, TX

Realtor (2005-2008)

●Interviewed clients to assist in the selling or buying process

●Staged and advertised homes for sale in the local market

●Provide clients with reports from possible prospects and conducted open houses

●Provided market analysis on current market values for buyers or sellers

●Assist in the closing transaction of a real estate purchase

Fred Loya Insurance - Laredo, TX

Regional Manager (1997-2003)

●Analyzed competition to develop aggressive customer service to subside with corporate rates

●Assist HR with interviewing candidates

●Developed formal sales techniques and product knowledge

●Maintained multi-locations by fully staffing to ensure the assigned duties were performed

●Managed 22 employees in four offices

●Handled complex issues with complaints

●Heavy face to face, telephone,email communication to respond to customer

●Achieve excellent team response to satisfy sales goals, retention and assure 100% customer

●Reconciled money boxes from CSR’S at the end of day, made daily deposits

Education/Licenses held

●Mortgage Loan Officer License

●Real Estate License

●P&C License

●Life & Health License

●GED

System Knowledge

Blacknight, Fiserv, Portal, Unifi, LOS/Point, Docusign, Cadence, Mortgage Builder, Encompass, Calyx, Excel,Word, LP/DU/AUS, RATA, APRWIN, LIS/MSP, RESWARE, OMNI,XPM,Brooks, ICMP

Contact this candidate