Olga E. Caruso

*** ***** ******

Silverdale, Pa *8962

Cell: 215-***-****

adtuof@r.postjobfree.com

Objective: To seek a position allowing me to utilize my Finance/Mortgage experiences to the fullest, while offering job stability and longevity.

PROFESSIONAL EXPERIENCE:

Mutual of Omaha Mortgage (remote) Lombard, IL 2020-2022

Mortgage Closer

• Prepared Closing Disclosure in accordance with TRID guidelines and validated all fees were accurate on Final CD. Including accurate figures for monthly payments, escrows and prepaid interest.

• Prepared, organized and sent all closing documents for the loans.

• Prepared and sent Post Consummation CDs.

• Completed the compliance review to ensure loan closed within all Federal and State regulatory requirements.

• Reviewed file for accuracy of all essential documents/information provided in file for closing.

• Communicated with processing, sales/account managers, underwriting and title companies to avoid delays on closing docs.

• Assisted post-closing with any outstanding closing issues.

• Monitored all pipelines pertaining to closing.

• Reviewed executed closing docs for accuracy, balanced wire with escrow/title agent, ordered wire and provided funding authorization.

• I closed FHA, VA, USDA, Conventional, and JUMBO loans. Ensuring they closed in compliant with TRID disclosure, re-disclosure requirements, and all regulatory and compliance requirements. Including Federal or State requirements.

• Provided excellent customer service and developed relationship with internal and external members. Being the contact person for the loan, from the start of the closing process through funding.

• Detail-oriented and very organized

First Savings Bank (EZ2 Lending) (remote) Clarksville, IL 2019-2020

Mortgage Closer

• Prepared Closing Disclosure in accordance with TRID guidelines and validated all fees were accurate on Final CD. Including accurate figures for monthly payments, escrows and prepaid interest.

• Prepared, organized and sent all closing documents for the loans.

• Prepared and sent Post Consummation CDs.

• Completed the compliance review to ensure loan closed within all Federal and State regulatory requirements.

• Reviewed file for accuracy of all essential documents/information provided in file for closing.

• Communicated with processing, sales/account managers, underwriting and title companies to avoid delays on closing docs.

• Helped the brokers and account executives re-structure loans. Calculate what the best pricing would be for the loan. So that we could close the loan within guidelines.

• Monitored all pipelines pertaining to closing.

• Reviewed executed closing docs for accuracy, balanced wire with escrow/title agent, ordered wire and provided funding authorization.

• I closed FHA, VA, USDA, Conventional, and JUMBO loans. Ensuring they closed in compliant with TRID disclosure, re-disclosure requirements, and all regulatory and compliance requirements. Including Federal or State requirements.

• Provided excellent customer service and developed relationship with internal and external members. Being the contact person for the loan, from the start of the closing process through funding.

• Detail-oriented and very organized

Ditech/Green Tree Servicing Fort Washington, Pa 2011-2019

Loan Closing/Funding Specialist

• Prepared and issued Initial CD’s, COC CD’s, Closing Packages and Post Consummation CD’s.

• Maintained close communication with wholesale clients, sales partners, third party vendors, settlement

agents, operations teams and management to ensure proper and timely fulfillment of all responsibilities.

• Reviewed all escalated compliance test failures and verify accuracy of compliance testing. Escalate issues

through proper processes and facilitate interdepartmental communication in order to be able to provide

a solution for the client.

• Helped the brokers and account executives re-structure loans. Calculate what the best pricing would be for the loan. So that we could close the loan within guidelines.

• Monitor all pipelines pertaining to closing and address any and all escalations from the closers/vendors.

• Served as a back up to management. Covered any and all issues and questions.

• Reviewed all daily reports---Unforeseen, cash to close, affiliated list, natural disasters, and lock expiration report.

• Helped developed all wholesale checklist--- Loan Setup, Initial LE, Trailing Docs, COC LE, Initial CD, COC CD, and Closing Packages.

• Served as the backup for any checklist updates. Including filters.

• Trained new employees.

• Ensured all loans closed within company and state guidelines.

Loan Review Manager

• Managed all on-shore Full Time Employee’s.

• Monitored e-mails to ensure all questions are answered in a timely and accurate manner.

• Applied experienced problem-solving techniques to successfully address and resolve issues.

• Provided training and support on all Jumbo and Home Equity audit and TRID Compliance matters.

• Provided support to all auditors in an efficient manner and provide educational information to reduce the number of overall errors.

• Completed 2nd level reviews for Full Time Employee’s and Vendors with feedback and documentation needed for training.

• Assisted in providing clear direction and education to all auditors on all compliance changes/updates (TRID) and its impact on checklists, policies, procedures and systems.

• Reviewed and clearance of Trailing Docs to ensure that loans cleared and funded in a timely manner.

• Took proactive action on loans with escalated issues and follow thru until resolution.

• Achieved specific volume and revenue goals of the Channel.

Document Audit Review Specialist

• Audited all pertinent docs for accuracy related to the approval and closing of loan transactions for Conforming, Jumbo & Government products.

• Reviewed/enter loan data into Walt, Compliance Ease and Online Checklist to confirm loan closed within company, investor, Federal and State guidelines.

• Reviewed the Loan decision letter on all loans underwritten in house to make sure all the At Closing, Prior to Closing, and Prior to Purchase underwriting conditions Were met.

• Escalated any and all issues I come across on a file to the appropriate department/manager for a resolution to avoid delay in the purchase of the loan.

• Primary point person to help manager with special projects. Review UCDP, LP, Data Delivery, DITI issues, etc.

Closing Team Lead/Assistant Manager

• RESPA 2010 HUD-completed and approved for Conventional, FHA and VA Loans.

• Reviewed funding docs for accuracy and compliance prior to ordering wires for the funding of the loans.

• Assisted the closers with the closing docs. Updated changes, made corrections and released the closing package to the closing agent/attorneys.

• Assisted in the training of new employees.

• Communicated with Agents, Brokers, Closing Vendors, AE’s and Regional Managers on status of loans and/or issues that needed to be resolved and to get the loan to close.

• Ensured all loans are reviewed and funded in a timely manner.

• Diligent in making sure all funding communications received are answered timely and professionally.

• Reviewed and approved tolerance cures, excess premium pricing, escalated issues, closing rush request, and Qualify Mortgage review.

• Assisted the closing vendors with training opportunities and closing hold conditions.

• Created funding pipeline process flow job aides for funders so the pipeline is monitored consistently.

• Helped maintain and develop checklist updates that have resulted in reductions in MTR findings.

• Monitor the funders and vendors funding auditors- daily to verify that conditions are cleared accurately.

• Maintained the vendors’ report cards and provided remedial action after identifying areas in need of improvements.

• Served as supervisor backup when supervisor not available.

• Available for after-hours business when needed to insure there were no interruptions to the service levels.

Cardinal Financial Company Warminster, Pa 2009-2011

Closing Coordinator

• Reviewed loans assigned to me for accurate documentation.

• Contacted the appropriate party for documents needed for the file.

• Weekly review of pipeline for updates on loans that are were on the pipeline report.

• Made sure that the documents complied with corporate, local, state and federal guidelines.

• Called for VOE’s on loans due to fund.

• Reviewed about 10-15 files weekly.

• Worked with both retail and wholesale loans.

Skills

• Microsoft Word, Microsoft Excel-Basic formulas, Microsoft Outlook, Encompass, Mavent, Digi Docs, Cola, Walt, BLT, Compliance Ease, Blitz Docs, Mortgage Ware, Transcor, Edge, DocMagic and Open Close.

• VA, FHA, Conventional, USDA and JUMBO loans.

Language Proficiency: Fluent in English, Spanish

Education:

DPT Business School, Philadelphia, PA

Certificate in Accounting 1994-1994

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