Mortgage Closer and processor

~Resume Continued ~

ANTOINETTE L. YOUNG

Fort Worth, Texas 76132 817-***-**** **********@*****.*** MORTGAGE BANKING PROFESSIONAL

Strategic and analytical mortgage professional with more than six years’ experience. Exceptional knowledge of the Consumer Financial Protection Bureau (CFPB) and Real Estate Settlement Procedure (RESPA) Act regulations. Experience with taxes, tax liens, escrow accounts, modifications, bankruptcies, foreclosures, collections, and use of amortization calculations loan to value.

EXPANSIVE BUSINESS SKILLS

Strategic Leadership FHA/VA/RH Loans Cash Management Complex Problem Solving Customer Service Loan Document Analyzing & Processing Business Analysis Regulatory Compliance Organization & Time Management PROFESSIONAL EMPLOYMENT HISTORY

Citizen Bank-Fort Worth, TX 1/2021–9/2022

Mortgage Closer

Initial point of contact for the closing department. Maintained communication with Insurance Agencies, Title Companies, Escrow Agents, and Attorneys. Organize and oversee daily workflow to ensure that critical work is effectively completed.

• Accumulated and analyzed Required Closing Documents (RCD's) for completeness and accuracy to prepare for closing.

• Communicate any deficiencies with customers and AE's. Fay Servicing-Irving, TX 10/2019–1/2021

Loan Closer

Managed all aspects of the post-closing process including secondary market file delivery, clearing investor suspense post-purchase audits, MERS, and insurance transfers, and created boarding tapes and loans to the servicing system.

• Worked independently and prioritize multiple functions while meeting pre-established deadlines.

• Ensured all closed loans were compliant with federal and state laws and company policies and investor guidelines.

• Reviewed all closed loans for accuracy and completeness and delivered complete documentation to the investor.

• Effectively communicated with investors to satisfy all post-closing and purchase-purchase audit discrepancies.

• Verified all stipulations requested were valid and met to ensure that loans were saleable/purchased.

• Communicated discrepancies found within a closed loan file and coordinate solutions for resolution.

• Developed preventative strategies to minimize errors in the delivery of loans to all investors and insurers. PennyMac Mortgage Loans, LLC-Fort Worth, TX 12/2015–7/2019

“Toni is dedicated and takes pride in her work. She does all this on top of being a team player with a positive attitude and incredible work ethic.”-Executive Vice President’s comment Transaction Processing Specialist/Customer Support Supervisor Analyzed and verified conditions of loans, accounts receivables, and payables. Worked with County and City Tax Assessor offices to request Tax and Homesteading exemptions. Collaborated with Collections, Modifications, and Foreclosure Departments as needed. Monitored Kronos timekeeping and payroll activities.

• Handled escrow analysis disclosure statements and submitted requests for removal of PMI and MI.

• Validated collateral documents containing customer Mortgage note, deed of trust, closing and settlements foreclosure, and loan modifications.

• Researched and reviewed signature affidavits for Conventional, non–Conventional, VA, FHA, RHS, Fannie Mae, and Fannie Mac Loans.

• Processed six/seven-figure payments and loan payoffs; posted monthly payments and collections.

• Validated court ordered documents for chapter 7, 11, and 13 bankruptcies.

• Setup Automated Clearing House (ACH) and direct deposit auto drafts. Deleted deactivated ACH auto drafts and processed stop payments.

• Setup 90-Day Forbearance of loans in natural disasters (hurricanes, earthquakes, etc.).

• Handled high call volume, responding to escalated customer calls by providing problem resolution for payment disputes and customer refund requests.

• Transferred calls to Account Executives to ensure funding of refinanced, and new purchase of loans. ANTOINETTE L. YOUNG

Fort Worth, Texas 76132 817-***-**** **********@*****.*** New Jerusalem Tabernacle Theological Institute-Fort Worth, TX 6/2012–10/2015 Finance Officer & Treasurer

Worked with finance department chair, committee, and church secretary, on church financial transactions. Analyzed and interpreted financial and statistical data, P&L reports, and reconciled bank statements.

• Evaluated financial process for the congregation and collaborated with other church leaders and board of directors to improve those processes. Provided detailed and accurate records while maintaining confidentially.

• Tracked invoices, approved payments for expenditures, signed checks, and disbursed funds.

• Researched new revenue sources and donors established by the committees on finances for total fiduciary responsibility. Led all fundraising projects.

• Designed the monthly benevolence fund, collected tithes and offerings, and made bank deposits.

• Prepared 1098 and 1099 end of year statements.

Innovative Dialysis Systems of Cedars-Saini Medical Center-Los Angeles, CA 2012–2015 Administrative Office Coordinator, Liver and Kidney Transplant

• Registered 400 patients daily, analyzed data reporting, and filled financial logs.

• Assisted transplant doctors with performing collecting transplant specimens and retrieving bone/connective tissue, or cardiovascular tissue.

• Handled Labs and blood collections of patients In-center Hemodialysis setting.

• Handled HMO, PPO, Medical, Medicare, and EOB insurance verification. Obtained authorizations and share of costs.

• Conducted financial counseling and collected up to $2,500 per cash paying patient depending on level of care post- discharge.

Orange Coast Regional Medical Center-Fountain Valley, CA 2007–2011 Oncology Surgery Scheduling Manager

• Oversaw and managed daily department operations ensuring safe, efficient, and quality care and service.

• Scheduled 500 radiology appointments per month. Resolved escalated customer complaints and issues, ensuring one call resolution (HEAT CALLS).

• Managed staffing levels of all assigned staff while meeting productivity targets and customer expectations.

• Provided an atmosphere and experience that met and exceeded patient and significant others’ expectations while anticipating any needed changes or improvements based upon feedback received.

• Reduced/eliminated risks while ensuring a safe and effective work environment. EDUCATION AND CERTIFICATIONS

Master of Science, Healthcare Administration (MSHAS), Grand Canyon University Certificate of Ministerial Studies, New Jerusalem Theological Institute-Fort Worth, TX Bachelor of Health Administration, Westwood (Alta) College-Torrance, CA BONMET Certified Hemodialysis Technician, Optimum Dialysis Training Academy, 2020 California Licensed Certified Nursing Assistant, Bellflower Technical School, Bellflower, CA TECHNICAL SKILLS

Microsoft Word, Excel, Access, and PowerPoint Medisoft/ Medi-300 Opera X-time Retention System Revolution Schedule System PeopleSoft Lending Portal Lamp Kronos Nice MSP Velocity Five-9 AWARDS AND RECOGNITION

BEST Lead Specialist of the Month-Top performer for commitment to customer care, quality, and sales excellence, 2018 Quarterly “Ace” Award winner for achieving customer excellence, 2017

” The Gallantly” Award for Excellent Customer Service, 2015

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