Suzanne L. Holmes

Madison, Ohio *****

614-***-****

Experience

**/**/****- ******* ******* Corporation - Independence, Ohio 11/03/2022 QA Analyst/Mortgage Closer - receive file from Underwriting, doing second review to ensure all information meets guidelines and the loans program. Review all closing documentation (Appraisals, Surveys, Insurance, Title Commitments) and ensure file is compliant with State and Federal guidelines, reviewing to ensure meets ATR/QM, passing all applicable tests for fees as well & working with Compliance Dept to resolve any issues. Review all disclosures sent to borrower(s) and within timeframe required by law (Loan Estimates, Lock Disclosures, Initial Closing Disclosure, etc). Review all LE’s and establish baseline for any cures needed and apply those cures. Review Mortgage Insurance Certificate for loan if PMI is required, enter Mortgage Insurance factors so loan documents reflect correct Mtg Ins amount. Setup Escrow Account. Work directly with the Title company and/or Closing Attorney to balance all numbers on the Final Closing Disclosure and once balanced, run & send the Closing Documents to them. Work with funding department to get the loan funded, obtaining anything needed from Closing Agent or making any adjustments as necessary. Follow up Post Closing send out a revised CD to the borrower if Closing Agent made adjustments. 1/7/2012-3/17/13 Proficio Mortgage Ventures, LLC – Independence, Ohio (same job, name changed from First Liberty Financial/ First Ohio Banc & Lending) Mortgage Closer - Review All loan documentation in Imageflow and upload. Review all title work for accuracy/vesting issues and review all RESPA documentation for accuracy and/or violations. Review all UW conditions to be met and also post conditions for items/corrections needed for the Processor to complete. Draw closing docs on AVISTA/Submission Trac and send to Title Company with all other closing documents. Review the Final HUD settlement statement for compliance, accuracy and any violations of RESPA that may need cured/Balance and provide the Funding Docs to Funding Dept. 05/09/2011-1/7/12 First Liberty Financial Group, LLC – Independence, Ohio (same job, name changed from First Ohio Banc & Lending)

Mortgage Closer – Responsible for reviewing all loan documentation including RESPA docs (GFE, TIL’s) to make sure they are compliant with RESPA and run tests to make sure that the loan is also compliant with all State and Federal rules/guidelines using systems such as Encompass, DocuTech/DataTrac; Doc Magic and various investors Docsystems. Prepare closing documents and work direct with Title Companies on completeness & accuracy of the HUD Settlement Statement and correct as necessary. 07/14/2006-05/09/11 First Ohio Banc and Lending, Inc. – Independence, Ohio Mortgage Closer - Reviewed all loan documentation including RESPA docs to make sure they are compliant with RESPA and run tests to make sure the loan is compliant with all the State and Federal guidelines using Encompass ; DocuTech; DataTrac; Doc Magic. Prepare closing documents and work direct with Title Companies on completeness and accuracy of the HUD Settlement Statement and have corrections made as necessary. 11/99-11/05 The Relizon Company (Formerly Reynolds and Reynolds-Print Manufacturing and Document Management Company) – Grove City, Ohio

Account Correspondent - Supported Account Executive on major accounts

($2 million), working direct with clients on document management needs, printing of Marketing Campaigns, and weekly deliveries of supplies/forms. Gathered quotes for projects via a network of over1500 trade partners to obtain the lowest price while maximizing the profit margin for the company. Placed order with correct manufacturing plant based on specifications of project (form, label, envelope, etc.) and worked with art departments if necessary, providing proofs to client prior to ordering. Shipped and billed customer accordingly.

Monitored stock levels of all items in warehouse and notified the customer at reorder point and printing/placing restocking orders & verifying Receiving on those orders. Provided Cost Savings reports and Performance reports to clients. Proficient in Microsoft Excel and Word. Experience includes Oracle systems; Sales Advantage;NFM. DMS Mgmt test score 0f 93%. Trained 3 Sales Offices on new Oracle order entry system. 9/95-11/99 Banc One Acceptance Corporation, Columbus OH (dept closed due to restructuring) Auto Lease Specialist - worked with over 200 auto dealerships,(Ohio, Indiana, & Eastern U.S.) on lease approvals. Reviewed Auto Lease documentation for accuracy, as well as Lease rates based on customers credit approval. Worked on RCO (Retail Credit Organization) system and well as ACH (Auto Clearing House) system,setting up accounts depositing funds into dealership accounts electronically. Back-up for department Manager 8/86-8/95 Bank One, Cleveland - Painesville, OH (transferred to BOAC due to downsizing) Retail Operations/Lending - Funding Specialist - Collections Department Funded both Direct loans (installment loans; second mortgages and home improvement), Indirect loans and Auto Leases. Responsible for review of loan documentation to ensure b government guidelines were followed/Reg Z. Worked direct with local auto Dealers to obtain proper paperwork in order to fund the loan. Worked with Repossession Co. on autos to be sold at Auction, receiving and applying auction invoices/funds to appropriate account/loan. Flipped titles into Bank’s name, advertising in newspaper. Education

Lakeland Community College- Accounting/Business courses 1991; 1992 Bowling Green State University - 1982-1983

Madison High School - Graduated 1982

References

Becky Bisenius Saucito 614-***-****(Chase Bank);Jacquelyn Malone 440-***-****

(Huntington Bank); Melissa Romanello 513-***-**** (Rapid Mortgage) Skills

- Accuracy and Attention Detail; able to work with little to no supervision, Independent/ self starter and able to Multi task/prioritize time. Excellent verbal & written skills.

- Proficient in Microsoft Office, Encompass/Ellie Mae;DocMagic; DocuTech/Data Trac;Submission Trac;AVISTA; NFM (Network Forms Mgmt);Sales Advantage; Oracle

- Critical Thinking skills, excellent Decision Making skills.

-Team Player, being very flexible and adaptable, always willing to help where needed.

- Excellent Communication skills; Customer Service skills both internal & externally.

- Worked REMOTE since March 2013, using WORKDAY for Time Punch/Payroll/PTO