Mortgage Closer Processor

Education

Queens College

BS in Sociology Graduated June 2000

Experience

Ridgewood Savings Bank Ridgewood, NY

Senior Mortgage Loan Processor

February 2020 – August 2022

Implements the processing and underwriting of SONYMA loans using SONYMA Express

Performs a pre-closing analysis of SONYMA files for compliance of agency guidelines

Responsible for review of applications for approval and closing conditions

Prepares reused disclosures and commitments of approval in accordance with all lending regulations and ensures delivery to customer, bank attorney, and broker

Ensures the closing process by renewing commitment files to review for accuracy

Trains and assists other processors

Mortgage Processor

January 2011 – February 2020

Implements the processing of retail and wholesale mortgage applications, HELOCs, Home resource loans

Evaluates housing and debt ratios and determines their acceptability and all lending policies and secondary marketing guidelines

Orders and evaluates credit report, appraisal, property report and flood certification

Verify employment and income and assets

Prepares mortgage commitment and delineations

Reconciles G/L accounts

Knowledge of state and federal regulations

Senior Mortgage Closer / Consumer Coordinator

March 2006 - January 2011

Set up files for closing attorneys

Prepares documents requested

Prepares funds requested for closing

Sends closing documents to attorneys and borrowers

Create escrow accounts for loans

Mortgage Closer

June 2004 – March 2006

Reviews signed notes and mortgage documents for accuracy

Check closing documents are acceptable and accurate for items requested

Making sure checks and amounts are correct and payable to correct persons/Pay flood fees /order coupon books

Teller

June 1998 – June 2004

Handling customer transactions including deposits, withdrawals, account closings, check cashing, and new accounts/Balanced debits and credits

Greeted customers in friendly respectable manner

Skills

Knowledge of SONYMA, Fannie Mae, Home Resource loans, Home equity lines of credit, personal loans, overdraft loans

Knowledge of conventional, jumbo, wholesale, HELOC, HRL, DU, Fannie Mae and FHA

Strong organizational skills, exceptional accuracy, and constant attention to detail

Extremely professional, courteous, and respectful

Self-starter

Microsoft Word

NY NMLS #646648

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