Mortgage Closer Processor

Gina Guarino

Warren, Ohio *****

****.********@*****.*** • 330-***-****

Mortgage Closer

Strong planner and problem solver who readily adapts to change, works independently and exceeds expectations. Able to prioritize and meet deadlines without compromising quality. Highly motivated and goal oriented focusing on the company’s vision and managing the workflow while balancing several tasks.

— Key Skills —

Office Administration Records Management Problem Solving

Customer Service Spreadsheets / Reports Front Desk Reception Executive Support Meet Deadlines Follow Government Regulations Coaching Team Members I Works Under Pressure I Time Management I Communication Skills I Teamwork

— Computer Skills —

MS Word MS Outlook Unfi Encompass Integra

Professional Experience Highlights

Supreme Lending Dallas, Texas

Mortgage Loan Closer 2020 – 2022

Qualified closer with nine years experience in the mortgage industry. Expert at managing a busy desk with multiple loans and working on different loan programs. Seeking a position to grow experience and be an asset to the company.

Key Accomplishments:

●Balance Closing Disclosure for accurate figures

●Generates, reviews and approves closing documents

●Ensure updates are communicated between all parties, including loan officer, title, and processor

●Well-versed in FHLMC, FNMA, FHA, and Regulation Z guidelines

●Meticulous in delivering error-free documentation and ensuring compliance with company policies and regulatory requirements.

●Bond loan experience in FL, TX, MS

●Closed Government loans, ensuring all rules and regulations were met

Home Savings Bank Youngstown, Ohio

Mortgage Loan Closer /Funder 2019 – 2020

Highly efficient mortgage closer offering six years experience closing and funding residential mortgage loans, according to investor specifications and government regulations with completeness and ensuring accuracy

Key Accomplishments:

●Managed and closed all assigned loans, to perform fast closings that were free from errors and issues

●Delivery of the Closing Disclosure, meeting government guidelines

●Review title work, legal descriptions, liens, easements and restrictions ensuring proper authorization for real estate transactions

●Communicated with all parties to facilitate accurate closings and recordings of all legal documents

●Well-versed in FHLMC, FNMA, FHA, and Regulation Z guidelines

●Meticulous in delivering error-free documentation and ensuring compliance with company policies and regulatory requirements

●Gathered closing figures, input closing information and generated loan documentation

●Funded all loans and verified and initiated all wires

First National Bank of Orrville / Farmers National Bank of Canfield, Canfield, OH (merger) Canfield, Ohio

Mortgage Loan Specialist / Funder 2013 – 2019

Processed, underwrote and closed residential mortgage loans according to investor specifications and government regulations with completeness and ensured accuracy.

Key Accomplishments:

●Underwrite, process, close conventional, Freddie Mac, Investment, Portfolio, Residential and construction loans. Fixed Rate, ARM, etc

●Order and analyze credit, income, assets, order mortgage insurance, title work and appraisals along with uploading UCDP for Freddie Mac and Fannie Mae

●Underwrite loan in accordance to fair lending standards, government regulations, financial intuitions standards and investor standards

●Properties include single family homes, co-ops, condos, and multiple unit homes.

●Coach and train fellow team members as needed

●Software programs: Integra, CBC, Data Verify, Word, Excel, Encompass

●Underwrite files within 30 days

●Loan files scheduled within 24 hours of receipts

●Prepare denied and withdrawal files

●Work closely with loan officers, title companies to meet contract dates and to close in a timely manner

●Managed and closed all assigned loans, enabling fast closings that were free from errors and issues

●Delivery of the Closing Disclosure meeting government guidelines

Review title work, legal descriptions, liens, easements and restrictions ensuring proper authorization for real estate transactions

●Meticulous in delivering error-free documentation and ensuring compliance with company policies and regulatory requirements

●Gathered closing figures, input closing information and generated loan documentation

●Call on verbal verifications

●Call to get homeowner insurance policy and review to make sure it fits the loan product

●Funded all loans and initiated and verified all wires

Huntington National Bank Warren, Ohio

Assistant/Office Administration/Mortgage Processor 2006 – 2011

Handled multifaceted clerical tasks (data entry, filing, records management and billing) as the assistant to the Vice-President and colleagues. Maintained spreadsheets and ensured the delivery to various recipients in corporate headquarters. Quickly became a trusted assistant known for “can-do” attitude, flexibility and highly detailed work

Key Accomplishments:

●Communicated effectively with multiple departments. Established strong relationships to gain support and effectively achieve results

●Print daily reports in order to colleagues to understand volume and what needs to be accomplished

●Provided timely, courteous and knowledgeable response to information requests; screened and transferred calls; and occasionally greet client

●Electronically submitted confidential payroll information to colleagues

●Created printed and assigned documents and entered referrals to meet the corporate deadlines.

● Stack files in appropriate files

●Supervised monthly inventory and ordered office supplies

●Distributed mail in a timely manner

●Attended weekly conference call and monthly meeting. Prepared minutes for distribution.

●Typing accuracy 45-50 wpm

●Processed invoices to ensure payments were made

●Documented payments received and forwarded originals to corporate

●Earned excellent marks on performance reviews, with citations for excellence in areas including work volume, accuracy and quality; ability to learn and master new concepts; positive work ethic; and commitment to providing unsurpassed service

●Order title and appraisal

●Follow up on appraisal status when needed

●Make copy of application and credit card fee, put in file and record on log to be sent to corporate.

●Initial and call on verbal verifications

●Order FHA case numbers

●Assign loans to Mortgage Underwriters from pipeline

●Prepare the denied and withdrawal files

Education

Bradford School - Pittsburgh, PA

Associates Degree

Howland High School – Warren, OH

High School Diploma

References available on request

Contact this candidate