Mortgage Closer Processor

JILL FREDERICK

Margate, FL • 954-***-**** • ************@*****.***

Strategic and communicative mortgage closer with nearly 20 years of expertise in coordinating and managing the mortgage closing process for a wide range of loan types, including conventional, relocation, FHA, and VA loans. Skilled at preparing closing documents and conducting final quality control reviews to ensure all documentation is in order, working alongside various parties and stakeholders, and driving compliance with regulatory requirements. AREAS OF EXPERTISE

• Mortgage Closing

• Loan Processing

• Regulatory Compliance

• Loan Documentation

• Problem Solving

• Quality Control

• Stakeholder Management

• Relocation

• Post-Closing Activities

• Cross-Functional Teams

• Data Collection

• Credit Analysis

RECENT PROFESSIONAL EXPERIENCE

Weichert Financial Services Morris Plains, NJ February 2021 – November 2022 Mortgage Closer

• Directed closing processes for traditional, relocation, refinances, FHA, VA, and conventional loans

• Reviewed loan applications and documents to ensure accuracy, completeness, and compliance

• Communicated with loan officers, underwriters, title companies, and other stakeholders to ensure timely closings

• Proactively reached out to relocation vendors and borrowers to resolve loan and closing process issues

• Conducted final quality control reviews to ensure that all loan closing requirements had been met

• Disbursed loan proceeds to appropriate parties and prepared wire transfers, checks, and other financial transactions

• Maintained records of loan closing activities, including processing, closing, funding, and post-closing activities

• Spearheaded compliance with relevant laws, regulations, and procedures related to mortgage closing and compliance Choice Mortgage Boca Raton, FL April 2020 – February 2021 Mortgage Closer & Processor

• Aligned with cross-functional teams and departments to ensure deficient files were brought into compliance

• Verified loan processor figures and lender documents to ensure they met lender requirements

• Confirmed VOE, homeowners' insurance, title issues, and other requirements were met

• Reviewed loan estimates and closing disclosures to schedule closings and meet stringent guidelines

• Communicated the closing schedule and prepared borrowers for the loan closing process

• Resolved any problems or issues that arose during the loan closing process

• Interacted with all parties involved in the loan closing, including the borrower, lender, and title company North American Title, LLC Plantation, FL July 2016 – March 2019 Processor

• Closed and processed up to 50 transactions per month with precision and efficiency

• Prepared closing documents and statements with accuracy and completeness for closer review

• Monitored and ensured timely progression and closing of approved loans through pipeline

• Maintained professional correspondence with listing agents, seller agents, brokers, and lenders

• Ordered title searches, lien letters, and HOA estoppels for all files

• Resolved and closed any title liens, utilities, and code compliance issues with cities, counties, and HOAs

• Confirmed existing mortgage payoffs to ensure timely closing of loans First International Title, LLC Coral Springs, FL August 2011 – October 2015 Mortgage Closer

Mortgage Processor / Title Analyst

• Oversaw closes for 40+ transactions per month

• Prepared all necessary closing documents and statements while ensuring accuracy and regulatory compliance

• Collaborated with listing agents, seller agents, brokers, lenders, and internal teams to meet loan requirements

• Cleared title liens, lien letters, HOA estoppels, utilities, code compliance, and HOA dues and violations

• Compiled closing loan packages in accordance with bank, investor, and Fannie Mae guidelines

• Monitored loan status on continual basis to ensure that standards were achieved

• Conducted pre-closing quality review of loan files prior to releasing loan packages

• Ensured hazard and flood insurance binders were in place and met lender requirements

• Reviewed deeds to verify ownership and legal descriptions of properties

• Verified HUD-1 Settlement Statement/Closing Disclosure for accuracy and completeness

• Communicated with attorneys and title companies to resolve any issues with preliminary documents ADDITIONAL PROFESSIONAL EXPERIENCE

DJS Processing, LLC Plantation, FL March 2009 – May 2011 Accounting Coordinator

American Home Mortgage Delray Beach, FL September 2005 – January 2009 Mortgage Processor and Closer

JPMorgan Chase Bank Deerfield Beach, FL March 2003 – September 2005 Funder /Processor /Assistant Closer - Rural Housing Division (USDA) / Construction Loans Rolling to Permanent EDUCATION, PROFESSIONAL DEVELOPMENT, AND TECHNOLOGIES Fort Lauderdale College Fort Lauderdale, FL

Bachelor’s Degree in Accounting

Professional Development

• Graystone Mortgage School

o Mortgage Processing Course

• National Association of Mortgage Processors (NAMP) o Underwriting Course

o Processing Course

Technologies

• Microsoft Word, Excel, PowerPoint, Access, Outlook, QuickBooks, Peachtree Asset Management Network (AMN), Landtech, Ramquest, SoftPro, REO Central (Vendor Connect), Preform, Double Time, Equator (FNMA), ATIDS XE, Data Trace, Desktop Underwriter, Byte, Calyx, Encompass, and Snap Docs

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