Mortgage Closer Remote

Kourtnae Hall

Phone: 804-***-****

Email: *************@*****.***

Self-motivated banking professional offering strong communication and quick-thinking skills. Works effectively on teams, as well as independently, in fast-paced environments. Skilled financial professional with 12 years of financial and mortgage services industry and 9 years of practical management experience including business -to-business. Expertly creates customized financial strategies to meet client needs. Experience

April 2022- November 2022 Seasonal Loan Ops Paid Out Remote Ameris Bank

• Review basic loans to determine documents needed to secure the bank's position in collateral pledged

• Review perfected documents to verify accuracy and compliance with regulations and bank policy

• Creates exceptions for missing or incorrect documents

• Draft collateral release documents

• Remain up to date on documentation regulatory requirements in order to ensure loan quality

• Submit documentation for recording for various state agencies

• Review fees and submit ledger entries for recording

• Created and tested paperless process to minimize waste

• Calculated and revised flood determinations residential and commercial residents May 2020 –November 2021 Mortgage Closer Remote Mortgage Connect

• Preparing Closing Documentation, in accordance with federal, state, and client requirements, including settlements/HUD

• Work with Title commitment coordinators to review title commitment for clearance • Secure lender Approval for loan closing documents

• Confirm necessary closing details, as well as closing dates, location, documentation, funds due

• Act as a Liaison for borrowers, assisting with questions/concerns throughout process

• Maintain with Realtors, Attorneys and Lenders to confirm closing instructions and needed items

• Ensure all loan documents are correctly executed, notarized, and returned for processing within deadlines

• Preparing title commitments and lien searches

• Preforming Title processing

• Reviewing business-to-business sales contracts

• Review and update national and international legal laws and issues April 2019-April 2020 Quality Control/ Policy Specialist Team Lead Duluth, Georgia Opendoor Title

• Performing research on property and gather documents regarding the sale

• Gathering and researching all relevant papers

• Ensuring that contracts conform to certain standards

• Checking for any objections on the title and order the documentation ahead of the closing

• Making sure all legal documents are properly recorded, notarized, accurate, and prepared properly

• Ensuring that monetary amounts are correct to pay mortgages, taxes, and judgments

• Overseeing the collection of fees and charges that were agreed on

• Allocating funds as needed

• Generating Policies for properties

• Preparing title commitments and lien searches

• Preforming Title processing

• Preparing Closing Documentation, in accordance with federal, state, and client requirements, including settlements/HUD

November 2017-April 2019 TLM Billing Credit Specialist Alpharetta, Georgia ADP

• Process reimbursements, monthly and annual bills for client accounts

• Work with clients to develop self-pay arrangements and payment plans

• Research and resolve client billing problems or issues

• Process and research termination request from clients

• Maintain weekly termination fiscal reporting

• Document payment records and issues as they occur February 2016-April 2017 Deed in Lieu/Title Operations Paralegal Atlanta, Georgia Aldridge Pite, LLC

• Draft Deed in Lieu, and any necessary clients’ documents for the Deed in Lieu files Forward executed documents nationally for recording.

• Work daily system report to clear client task and address any follow up needed.

• Order and review Full, updated title reports and policies for client.

• Analyzed risk and liabilities to title

• Gather information and review for defects in title

• Research previous and current mortgages, HOA’s, utilities and liens on properties Assist and process payoffs for current and previous lien and judgements.

• Maintain daily email request and prepare chronology reports when needed. Review reports after attorney review to confirm title results

• Maintain SLA timeframes for each client’s and investors timelines

• Assist REO with closings

• Preparing title commitments and lien searches

• Preforming Title processing

June 2009-September 2015 Banking/Loan Default Loss Mitigation Management Richmond, Virginia SunTrust Mortgage Inc.

• Conducted analysis to address claims and recordings which led to reimbursements and completion of state recordings.

• Provided onsite training. Performed Quality control for financial risk, fraud risk and document control

• Monitored multiple databases to keep track of all department inventory.

• Reviewed and provided comments on the adequacy of documents and took necessary steps to cure any deficiencies.

• Preparing Closing Documentation, in accordance with federal, state, and client requirements, including settlements/HUD

• Prepared correspondence, accounting, and financial documents for analysis. Determine tax, insurance, and PMI amounts before and after modifications.

• Review, research and analyze escrow accounts

• Researched banking guidelines and statutory requirements to stay updated on new laws and applications.

• Achieved proper compliance and accurate executive level reporting.

• Complied with regulatory requirements including Bank Secrecy Act, RESPA, Anti-Money Laundering, OFAC, USA Patriot Act, Privacy Act, Flood Disaster Protection Act, and Community Reinvestment Act. Reviewed SOX report daily for accounts out of the timeframe of scheduled SLA times.

• Maintained confidentiality of bank records and client information.

• Served as mentor to junior team members.

• Adhered to all federal and state compliance guidelines relative to retail mortgage lending.

• Researched insurance information and flood certificates.

• costs to the company and customers.

• Oversaw scheduling for the day-to-day activities of 20 transportation employees.

• Completed and followed up on all registration and traffic documents.

• Communicated all emergencies, delays due to weather and carrier schedule changes to customers and supervisors. Coordinated rush orders and order changes.

• Acted as a liaison between logistics, transportation providers and customers.

• Built partnerships with local organizations to increase company offerings and improve services.

• Prepared invoices for all customers in the logistics department at the end of every month Hard and Soft Skills

Microsoft Word, PowerPoint and Excel,Black Knight, Fiserv, CoreLogic, Email Systems, IBS Insight, Salesforce, Simplifile, ServiceDesk and Lien Solutions EDUCATION & ACHEIVEMENTS

HENRICO HIGH SCHOOL 1997-2000 ACADEMIC DIPLOMA BELLEVUE UNIVERSITY 2012-2017 ASSOCIATE DEGREE

Virginia and Georgia Notary Public

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