Mortgage Processor Estate Paralegal
Resume:
Kristin L. Vanderbilt
Waterloo, S.C. *****
*********************@*****.***
Professional Summary: I served in the United States Navy for twelve years before being medically discharged. I was stationed on the U.S.S. Safeguard out of Pearl Harbor, HI where I held position as PO1 Boatswain Mate and 2nd class Diver at time of my discharge. I was stationed with other commands during my time in the Navy. While I served in the navy, I conducted and supervised many underwater salvage repairs, maintenance, rigging, ship external structure repair, underwater demolitions and ship husbandry operations. Also, while in the navy, I went back to school and received my BA in accounting and my Paralegal Certification. After being discharged, I have spent 28 years of progressing leadership experience focused on challenging banking roles-mortgage processor, loan servicing, closer, funder, title escrow officer, title underwriter and examiner. Compliance/fraud, appeals and claims. Real estate paralegal, litigation, bankruptcy and foreclosure. Experience in audits, training (new hires) and writing proposals for policy and procedures for project management jobs on the government circuit as well as civilian. My track record of increasing sales, improving client retention, demonstrating the ability to manage and successfully lead productive teams to success.
Achievements:
• Completed Quality Assurance certification
• Completed NAVSEA-AWS welding certification
• Completed ESWS-Enlisted Surface Warfare Specialist certification
• Completed ND (Navy Diver) School, Panama City, FL 2nd class certification
• Government Proposal Writing
• Title Underwriter and Examiner
• Senior Mortgage Processor- FHA/VA/Conventional/Jumbo/ Commercial loans
• Real Estate Paralegal
• Jr. underwriter
• Compliance Supervisor
NY State ERAP Housing Specialist- May 2021- Present(Remote Contract position-Guidehouse):Promoted Compliance Supervisor (NOV21)
Supervised team of 20- Processed ERAP applications for rental and utility assistance. Worked in QC to review and process before payment. Handled appeal processing and reviewing accuracy to determine if fraud took place or if appeal will be denied or approved. Created job aids and training manuals for Appeals Department. Training Coordinator/Knowledge Expert-training of new appeal team members with policies and procedures. Assist with daily functions in mass/bulk emails, MCF updates and AMI applications Compliance make sure we are in guidance with regulations. Created trackers and handled reconciliation of invoices. Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
SBA-Disaster Relief Program- Team lead Supervisor. May 2019-April 2021- (Contractor-Guidehouse ODA-OCA-REMOTE):
Process Covid-disaster relief applications. Pulled credit and approved the loan by requested required docs to process the application. Promoted to Supervisor Compliance Fraud team. Created and updated policy and procedures for the department and new hires. Tracked and trained all new hires. trackers for new hires. Managed team of 25.
Real Estate Processor-Title Underwriter -Dec 2018- May 2019-Olde Towne Title Group-St. Augustine, FL:
Prepared CD's, cleared title and ordered documentation to set for closing with lenders. Worked with lenders, attorney’s and real estate companies. Reviewed title binders, surveys, appraisals. I worked the file from beginning to end. Closed the loan, funded and recorded. (MOVED TO SC AFTER THIS JOB WAS TAKING CARE OF FAMILY MEMBER IN FL BEFORE THEY DIED).
Mortgage Processor-September 2017-Nov 2018 Finance of America-Mesa, AZ Analyzed applicant’s financial status, credit and property evaluation to determine feasibility of granting loans. Processed all loan applications and gathered all necessary documentation to go to the underwriter. Worked in (ENCOMPASS). Worked directly with customers regarding their loans.
Compliance Officer Processor-September 2017-Nov 2018-Part-time Title Alliance-Meza, AZ : (SECOND JOB WHILE IN AZ- TAKING CARE OF FAMILY MEMBER)
Processed all loans. Prepared Cd’s and closing packages for closings and closed and funded the loan. Reviewed and cleared title issues/defects. Prepared certificate of satisfactions, mechanical liens, deeds, and deeds of gift.
Real Estate Paralegal/Processor-October 2015-August 2017 First Title & Escrow, Richmond, VA:
Processed all new orders, worked directly with lenders, loan officers, real estate agents. Requested title, cleared all title issues prior to closing. Prepared Cd and closing packages. Prepared releases, assignments and accounts receivable. Worked in (Sureclose and Encompass).
Paralegal-Title Curative August 2014-August 2015 REO- Virginia Beach, VA (Short job due to my dad getting ill and I had to move to take care of him):
Set up new orders, researched liens, prior mortgages, judgments and 2nd liens that were not closed prior to closing. Worked directly with lenders, law offices and title companies. Accounts receivable, prepared releases, and assignments, deeds and handled all litigation matters.
Mortgage Processor-Jr. Underwriter March 2012-July 2014-Bank of America-Norfolk, VA-Contract Job:
Processed loan files and cleared issues from underwriting before submitting to closing department. Handled residential, new construction and commercial. Gathered all sensitive documents for loan review and approval. Worked in queue base structure. All loans FHA, VA, Conventional, VHDA and USDA loans.
Foreclosure/Litigation Analyst-August 2007-January 2012- Shapiro and Burson, LLC:
Processed Foreclosure files, handled compliance and cleared title issues in title department before sale. Research Nexus Lexus, clearing title issues. Worked directly with the lenders and reported in their systems. Prepared Litigation files and filed court filings.
Chief Operating Officer- June 2000-June 2007-Seaside Title & Escrow, LLC-
New start up business hiring, training, marketer and creator. Pre-closer, Closer, Funder and Post Closer Oversaw the branch and customer service. Trained all new hires. Compliance with title company and state. Developed annual branch business plan for maximum profitability and effectiveness. Worked directly with lenders, real estate agents and local companies to grow business. Compliance officer, Escrow Officer and Underwriter. Handled all disbursements, and all auditing.
Education: U.S. Navy- E-6 November 1985-March 1997
University of Hawaii-Honolulu-Hawaii BA in Accounting-1994
Honolulu Community College-Honolulu-Hawaii Paralegal Certificate-1996
License Title Underwriter VA and Florida
Skills: Encompass 6+ ADP, Sage, Quickbooks Microsoft Window programs 25+ LPS- Calyx, Turnkey, other banking systems 25+ years CSR, Docuphase 3+ years Mortgage Processing-5+ years, Underwriter 1+ year, Govt contracts-proposals 3+years Title, Escrow, Processing, Qualia, Sureclose, Softpro, 17+ year. Provana, Sharepoint, Lexus Nexus, VPN, Project Management, DOD, Visio.
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