Mortgage Closer Bankruptcy Specialist

Karen King

***** ***** **** ** #**** Jacksonville, FL 904-***-**** ***********@*****.***

PROFESSIONAL OBJECTIVE

A vibrant and results-oriented financial services professional with over 10 years + experience having held roles from Sr. Mortgage Closer/Funder, Compliance Analyst, and Bankruptcy specialist. As a seasoned financial services professional, I’m proficient in planning & forecasting, customer service centric, and adept at relationship building and management of client accounts. Further, I show strengths in research & analysis, consulting & implementation as well as problem resolution. I’m looking to leverage my talent and experience to take on any new roles that may arise in the mortgage industry and or customer service arena.

SKILLS

Verbal & Written Communication Financial & Business Acumen

Forecasting Abilities Research & Analysis

Customer Service & Account Management Organizational & Interpersonal

Presentation & Public Speaking Collaboration & Coaching

Implementation & Process Improvement Relationship Building & Management

Problem Solving & Resolution Multi-task & Detail Oriented

CURRENT EXPERIENCE

Sr. Loan Funder

Kind Lending

November 2020 – May 2022

Review signed loan documents to ensure proper execution and readiness to fund

Balance closing disclosure to ensure correct wire amount

Communicate with title agent, broker and underwriting to clear all outstanding funding conditions

Release wire thru wire banking system for funding and disbursement

Give final authorization to title agent to record necessary documents

Sr. Loan Closer / Funder

Freedom Mortgage

June 2020 – November 2020

Prepare mortgage closing documents for Conventional, VA, and FHA loans

Review Case number assignment, title commitments, insurance policies, PMI certification and all loan documents for accuracy.

Review file for completeness and accuracy to ensure compliance with underwriting, government, investor and company requirements

Review signed closing documents for accuracy to authorize disbursement of wire and recording of necessary documents

Sr. Loan Closer / Funder

Mphasis

September 2019 – June 2020

Responsible for preparing loan packages for closing and funding of loans

Review loan package for required documentation

Inputs and confirms data required to generate closing documents

Generate, review and approve the closing package & closing disclosure

Calculate funding amount for each loan package, balance closing disclosure figures and release wire and funds loan

Bankruptcy Specialist

Ditech Financial LLC

September 2017 – June 2019

Responsible for coordinating the bankruptcy process from Proof of Claim through payoff/lift of stay/discharge/or dismissal.

Processing necessary legal documents and/or actions for delinquent accounts within the court timelines under the direct supervision of the Bankruptcy Supervisory/Manager.

Timely processing of new bankruptcy petitions to protect the company’s collateral.

Document and maintain bankruptcy information in system IV and Bankruptcy Program

Remote Compliance Analyst (Contract/Temp)

American Mortgage Consultants

February 2017 – May 2017

Analyze loan documents to ensure they are within compliance with state and government regulations

Review loan documents for pertinent information

In timely and efficient manner input loan information into document system for further review by other departments

Sr. Loan Closer

Plaza Home Mortgage

September 2015 - February 2017

Manage pipeline for TRID loans that are cleared to close and ready for closing documents to be prepared

Conduct compliance review of GFE, TILA, and compliance ease to ensure loan passes all state and federal rules

Coordinate and schedule loan closings, prepare loan documents and funding figures and send to settlement agent.

Sr. Loan Closer / Fraud Analyst II

Bank of America

February 2013 - September 2015

Assemble, prepare and verify all necessary loan closing documents to include note, deed of trust, Hud settlement statement, and truth and lending disclosures to ensure terms of sale are accurate

Review and approve Hud settlement statement, title commitments, insurance policies and all loan documents to ensure accuracy.

Coordinate with title company to facilitate revisions to ensure documents follow government, investor and company requirements

Order and disburse wires, validate funding documents and fund loans.

OTHER PROFESSIONAL ROLES

Verification / Compliance Analyst – Digital Risk

Loan Processing Analyst - PHH Mortgage

Sr. Post Closer, Adecco Temp Agency - Bank of America

Customer Service Rep - Vystar Credit Union

Loan Closer, Aerotek Staffing - Washington Mutual

Team Lead/Sr Closer - Master Financial

Receptionist/Post Closer - Aames Home Loans

EDUCATION

Associate of Arts

Ashford University 2013

Jacksonville, FL (Online)

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