MALIDA DIDYAVONG

*** **** ******, ***. *

San Diego, CA 92102

Mobile: 702-***-**** / Email: adu6ap@r.postjobfree.com

OBJECTIVE: To secure a position with growth potential and new challenges in Mortgage and Real Estate, where I can utilize my multi-tasking skills and wealth of knowledge by providing unparallel customer service in a fast pace environment

QUALIFICATIONS:

•Over 15 years of experience in Mortgage and Real Estate

•Ensures accuracy and compliance with Bank and/or regulatory requirement

•Excellent analytical ability

•Strong working knowledge of the types of fees charged and names of fees on residential loans and the party typically responsible to pay the charge

•Ability to process all loans from the time of the application to its closing and to work-up and close all types of escrow transactions

•Knowledge of Conventional, FHA, VA, Non QM loans and familiar with Fannie Mae and Freddie Mac loans

•Have strong organizational skills and computer knowledge and possess outstanding verbal and written communication skills

•Strong customer service skills, detailed and conscientious with excellent problem solving techniques

•Ability to multi-task under pressure in a fast pace environment and work independently as well as in a team environment and able to work with little or no supervision

•Assessing information and identifying problems, enjoys challenges and accepting and providing feedback in a constructive and considerate manner

•Proficient in Windows, Microsoft Word, Excel, Access, PowerPoint, Outlook, IBPM, BETA, GUI, PAS, Encompass, Empower, ACT! Database, Citiworks, Citrix, LPM, and LIS, Infoport, Filenet, MSP, and LendingQB

•Granted Proc 4 access to resolve tolerance violations and to complete lock extensions in order to provide closing support for team members

•Exceptionally knowledgeable and highly skilled to train new hires

•Traveled to other regional office sites to provide closing support and training on behalf of CitiBank

•Promoted to Subject Matter Expert

•Promoted to Team Lead

PROFESSIONAL EXPERIENCE:

Best Capital Funding, Remote

(11/20 - 03/22)

Closer/Funder

●Analyze loan documents, employment, homeowner’s insurance, flood insurance, and documentation from escrow/title to render a decision by company guidelines and standards for quality, risk, and profitability as well as calculate and disburse funds.

●Issues initial Closing Disclosure as necessary to facilitate and adhere to the posted turn times. Also, will with the Shipping department for issuing final MIC and delivery of closed loan packages

●Manage funding process in LendingQB

●Work collaboratively with internal counterparts and third parties to efficiently fund compliant, saleable loans

●Liaise with key stakeholders (e.g. Processor) when loan docs are received

●Audit loan documents, Use established processes to verify accuracy of the closing statement, insurance, loan docs, and other items as stated in documentation and systems

●Update LendingQB with missing conditions

●Liaise with Loan Officer, Loan Processor and Escrow/Title with a list of outstanding items

●Ensure conditions are reviewed within 24-48 hours of funding

●Sign off “at closing” conditions in LendingQB and prepare funding figures

●Request wire from warehouse banks

●Record Funding Dates in LendingQB and ensure all data entry (including HMDA) has been completed

●Coordinate with shipping team for collateral to the warehouse bank within 24 hours of funding

●Register loan with Mortgage Electronic Registration System (MERS)

●Wet state closings require to follow up the day following funding to verify original loan docs are being returned in a timely matter

Sweet Escape Cafe, San Diego

(03/18 - 09/20)

Business Owner

Union Bank, San Diego, CA

(09/14 - 03/18)

Lead Post Closing Specialist

•Responsible for reviewing the final settlement statements from the closing and timely reconciling the closing disclosure to ensure accuracy

•Revise and update the closing disclosure as appropriate within requirements with data properly recorded systematically

•Manages assigned pipeline

•Review that the fees which increased did not exceed the allowable TRID tolerances (zero and/or 10% tolerance)

•Determine if the cure is valid for fees which exceeded the allowable TRID tolerance and request cashier's checks for cures that are required

•Process cures by mailing cashier's check and Post Closing CD reflecting cure to borrowers. Update the cure information and upload the cure documents to the system

•Familiar with TILA-RESPA Integrated Disclosure forms and requirements. Accurate and timely reconciliation of all fees and figures on each loan

•Ensure data and codes entered into systems are completed timely and accurately to maintain optimum data integrity

•Provide support to team members

•Provide training to team members

•Key member to develop software with ability to review CDs and cures

•Reconcile corrections to ensure all updates are completed

•Promoted to Subject Matter Expert

Wells Fargo Home Mortgage

San Diego, CA (01/13-08/13)

Closer

•Perform a variety of loan documentation on complex loans for Wells Fargo Home Mortgage

•Process closing and follow compliance regulations for loan products, interpreting policies while analyzing applicant property and documentation

•Closing and compliance for loan products

•Order all required verifications, documentation and subsequent follow-ups

•Provide guidance to other loan document team members

•Manage an assigned pipeline of loans and/or assign new loans to other loan team members

CitiBank, Las Vegas, NV

(10/10 – 11/12)

Senior Retail Closer

•Work in a team environment to close loans and support the necessary team functions

•Validating that closing conditions have been met and responsible for verifying and inputting loan information for accuracy and completeness

•Review and edit information in database to ensure loan documents are properly prepared which entails loan details and borrower information as well as final figures and closing fees

•Request, review and approve HUD from Title Company and request HUD Dept to Approve HUD (a requirement of RESPA) before releasing final documents for each loan

•Responsible for ensuring timely delivery and communication between both the Vendor and the client to avoid any delays or issues with the closing

•Communicate with internal customers to request for changes, corrections, missing information and loan amount adjustments in order to proceed with closing

•Review if loan needs loan amount adjustments and determine new loan amounts that is within investor guideline and authorized to change loan amounts on HARSS loans

•Contact client with closing details and final figures while ensuring client is provided with superior treatment in addition to notifying them of any issues, closing delays/reschedules

•Request for funding while conforming to RESPA guidelines

•Ensuring each loan is within guideline and meets standard policy and requirements

•Maintain pipeline to meet closing standards of productivity and quality

•Promoted to Proc 4 which entails resolving tolerance violations and completing lock extensions in LPM system to provide closing support for team members

•Promoted to Subject Matter Expert to assist team members with closing questions and issues

•Promoted to Training Specialist for new hires on the closing team and more recently, traveling to Citi Sites to train new hires on processes and procedures of closing

Eastridge Group/LPL Financial Services, San Diego, CA

(12/09 – 05/10)

Retirement Specialist

•Review Contribution Journal Requests and RMD Service Requests to insure completeness and requests are within guidelines

•Compare Contribution Journal Requests and RMD Service Requests to client’s account in database to verify the information matches and is in good order

•Process Contribution Journal Requests ( transfer funds from retail to IRA/401(k) accts, like to like accts and IRA to Outside Investment accts)

•Set up RMD Service

•Review Qualified Retirement Plan docs and Plan Design Questionnaires to ensure it is in good order

•Enter QRP/PDQ docs into PAS system

•Reject requests that are not in good order, incomplete or do not meet requirements/guidelines

•Send notifications to Financial Advisors for requests that are rejected

•Notate account in database for each request that is processed or rejected

Monahan Mortgage, San Diego, CA (03/07 – 05/08)

Loan Processor

●Responsible for processing all loans from the time of the application is taken to its closing

●Handle ordering title and escrow, appraisals, estimates, VOD’s, VOE’s, VOM’s & HOA Certs

●Request, follow up, and obtain personal documents such as borrower’s authorization form, DL, SS Card, Resident Alien Card, bank statements, 401k statements, proof of assets, paystubs, W2’s, CPA letters, Business License, Tax Returns, LOE’s, mortgage statements, insurance declaration page, and any additional documents required from borrower by lender

●Make copy files for submission packages, complete submission form, and submit files via fax, email or transbox to lenders

●Follow up with lender vigorously regarding approvals, conditions, loan docs, and fundings from the time the file is submitted to its closing to ensure a smooth and quick process

●Assist and coordinate with escrow throughout the opening and closing process of all escrow transactions

●Keeping the originating Loan Officer, Officer Manager, Borrower, Real Estate Agent and other parties up to date on the progress of the file throughout the whole process of the loan

●Notate the conversation log and update the file and encompass to keep track on the progress of the loan

New Century Mortgage Corp

San Diego, CA

(08/06 – 03/07)

Submissions Department Lead

•Monitoring the fax and email inbox for incoming new submissions on an hour basis

•Printing new submissions package that are received by fax and/or email

•Logging new submissions into spreadsheet/share drive, then disbursing files to the submissions department

•Ensure that the submissions package is complete with the bare minimum requirements including a submission form, 1008, 1003, credit report, GFE and Borrower’s Authorization form

•Communicate with Brokers and/or Loan Processors via telephone, email and/or fax to request for any

missing requirements/conditions in order to proceed with the new submission to submit to the underwriting dept

•Setting up new files, inputting loan information into the system and submitting files to underwriting

•Back up Doc Drawer - reviewing documents including purchase contracts, escrow instructions, preliminary reports and appraisals and checking all aspects of the loan, such as, the interest rate, program, term and lock expiration to ensure that everything in the file and in the system is correct and complete

•Drawing loan documents and sending docs out to escrow when requested by brokers and/or loan processors

•Provide support and assistance to team members in submissions department

•Training new hires

First American Title Company

San Diego, CA

(06/05 –08/06)

Escrow Assistant

•Duties includes processing openings, cancellations and closings (Step 2’s), download/print and check in loan documents, schedule appointments with buyers to sign their loan documents, package loan documents and sending loan documents to Lender via overnight or special messenger

•Abstracting recording documents to send to Title department, funding, release file to record, prepare Escrow Instructions, Grant Deeds, Amendments, and ordering payoff demands and tax/judgment liens

•Responsible for ordering evidence of insurance, review Preliminary Report, receipt in earnest money deposits, providing clients with purchase agreements, escrow instructions, preliminary report and assist clients and buyers regarding escrow files

AIG Private Client Group, San Diego, CA,

(07/04 – 12/04)

Insurance Specialist

•Managing high volume incoming email/fax inbox daily in a 24 hour turn-around time for New Business Quote Request, setting up new customer accounts into Database, uploading applications into Database and logging submissions into Database

•Ordering necessary reports, such as ISO Passport, Choicepoint, Risksearch, Riskmeter and Dataquick reports in preparation for Quoting Department

•Assigning New Business Quote Requests/Bind Requests to New Business Specialists/ Underwriters to Quote/Bind

ESI US R&D, Inc., San Diego, CA

(08/03 – 04/04)

Office Manager

•Reception duties (telephone system, mail, shipping, couriers, greeting guests, faxing)

•Support of the administration and coordination of human resources activities, such as benefit administration

•Provide administration support to engineering team (project coordination, project plans, timesheets)

•General administrative support to accounting department (payroll, expense reports, collections)

•Office supply management

EDUCATION:

Patrick Henry High School, San Diego, CA: Diploma

(1997 – 1999)

San Diego City and Mesa College, San Diego, CA

(Academic Year: 08-09)

•Major: Business Management

•GPA: 4.0

•Course Completed

•Certificate of Academic Achievement: Dean’s Honor List

Ashford University - Forbes School of Business

(Academic Year: 13-14)

•Major: Entrepreneurship

•GPA 4.0

•Course Completed

Reference Available Upon Request

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