Mortgage Closer Officer Assistant
Resume:
Yessica Llamas
Aubrey, TX *****
adwjxd@r.postjobfree.com
Authorized to work in the US for any employer
Work Experience
Loan Officer Assistant
West Capital Lending - Plano, TX
September 2022 to Present
• Set up realtor meetings
• Update calendar for realtor events
• Processing loans
• Daily communication with loan officer on status of loans
• Calculating credit to provide best rate for customers
• Communicating with borrowers, processors, title companies and brokers to deliver expedited mortgage experience
• Verifying loan documents to ensure accuracy to submit to underwriting
• Monitor debt to income ratios to maintain federal guidelines
• Prepared credit plans and scenarios for customers to achieve best rates
• Run DU and LP
• Pricing
Loan Officer Assistant NMLS 1232862
Bank of England Mortgage - Dallas, TX
May 2022 to August 2022
• Daily communication with loan officer on status of loans
• Calculating credit to provide best rate for customers
• Communicating with borrowers, processors, title companies and brokers to deliver expedited mortgage experience
• Verifying loan documents to ensure accuracy to submit to underwriting
• Monitor debt to income ratios to maintain federal guidelines
• Prepared credit plans and scenarios for customers to achieve best rates
• Run DU and LP
• Pricing
Mortgage Loan Closer/Funder
Supreme Lending - McKinney, TX
November 2020 to February 2022
• Preparing and reviewing loan closing package and paperwork
• Properly calculating escrows and fees on final closing disclosure
• Reviewing title commitment, appraisal, hoi, taxes, sales contract
• Ensuring the accuracy and completeness of all required documents
• Managing and resolving any concerns, problems and documentation issues
• Acting as an intermediary between all parties involved in mortgage loan transactions
• Ensuring closing details comply with state and federal regulations
• Balancing and ordering wires, confirming wiring instructions Document Specialist
Sandler Law Group - Dallas, TX
April 2019 to November 2020
• Ensuring loan documents are accurate and in compliance with all state and federal regulatory requirements
• Prescreen loan requests to ensure accurate documentation has been provided in order to proceed with request
• Responsible for assuring Home Equity, Conventional, FHA,VA and USDA guidelines are met on attorney package
• Review of Appraisals, Insurance, Flood, Purchase Agreements, Title Commitment, Credit Report, Survey and Lock confirmation are up to date and accurate
• Verify Private Mortgage Insurance regulations
• Balance Closing Disclosure
• Collaborating with lender to make sure the documents are as accurate as possible to prevent any Redraws
Closer/Funder/ FHA Insurer
Stearns Lending - Lewisville, TX
November 2018 to April 2019
• Verified documents accuracy for government insuring
• Insured government loans after post-closing
• Approved guidelines for specific loan types, FHA, Conventional, VA
• Reviewed approved loans to determine conditions are met prior to closing
• Spoke with brokers, title companies, and processors to assure a smooth closing
• Calculated loan interest, closing costs, taxes, hazard insurance
• Collaborated with title to finalize the Closing Disclosure Mortgage Closer/Funder
Caliber Home Loans - Irving, TX
June 2017 to July 2018
• Managed and closed all assigned loans, enabling fast closings that were free from errors and issues
• Completed intensive, four-week mortgage-closer training program covering VA, FHA, FHA 203(k), FHLMC, FNMA and other loan programs as well as loan-processing software.
• Facilitated closing and disbursement for conventional, Refi, FHA and VA loans.
• Meticulous in delivering error-free documentation and ensuring compliance with company policies and regulatory requirements
• Work closely with title company to get loan estimate and closing disclosure in a timely manner Mortgage Closer
Genpact Mortgage - Richardson, TX
May 2016 to June 2017
• Worked with brokers to finalize loan documents
• Reviewed tax certificates and homeowners insurance
• Calculated monthly escrows
• Assembled, prepared and verified closing documents
• Ensured all terms and conditions are met
• Reviewed appraisal for consistency throughout loan
• Ensured title report was clear of any liens or judgments that would compromise loan Partner
CAPITAL ONE
February 2016 to April 2016
Specialty Processing Plano
2/2016- 4/2016
• Perform Processing/Closing of Mortgage and Home Equity Workout and Assumption transactions to ensure accuracy and quality of he data as well as documenting any findings
• Ensure Compliance guidelines are met with all Capital One and regulatory requirements
• Review of closing disclosure in connection with loan closings
• Partner with team leader in development an execution of policies and procedures and review checklists
• Ability to work independently and meet stringent deadline
• Detailed oriented with strong organizational skills Subject matter expert
MORTGAGE CLOSER - Plano, TX
May 2012 to February 2016
for TRID and KBYO
• Great attention to detail in documents
• Calculated hazard insurance, taxes and flood insurance
• Worked with title vendors and mobile notaries to satisfy customer closing
• Communicated with branches to ensure closing went smoothly
• Balance wire
• Audits file to make sure all upfront disclosures are in the file and signed
• Requests any corrections so file has same address on all documents
• Checks to make sure rate in file is consistent from time of approval
• Enters all updated accurate information in all required fields
• Review and make necessary adjustments to Closing Disclosure and Loan Estimate from settlement agent before signing
• Assign closing conditions to Settlement agents and approve once completed
• Reviews required signed docs and give settlement agent ok to disburse
• Tracks final original documents for delivery to lender in timeframe required CUSTOMER SERVICE/ONLINE BANKING
CAPITAL ONE - Irving, TX
January 2009 to May 2012
• Effectively managed a high-volume of inbound and outbound customer calls.
• Addressed and resolved customer product complaints empathetically and professionally.
• Gathered and verified all required customer information for tracking purposes.
• Defused volatile customer situations calmly and courteously.
• Accurately documented, researched and resolved customer service issues.
• Mastery of customer service management systems and databases.
• Identified chronic customer issues by creating and maintaining customer complaint log.
• Provided incentive to increase productivity by offering employees awards for best customer service.
• Improved call center functionality and service capacity by resolving customer complaints efficiently and quickly
Loan modification auditor
First American - Southlake, TX
January 2008 to August 2008
• Gathered data for internal audits through interviews, financial research and downloads.
• Completed and mailed bills, contracts, policies, invoices and checks.
• Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
• Maintained strict confidentiality of bank records and client information.
• Recommended loan approvals and denials based on customer loan application reviews.
• Collaborated with loan analyst to audit and determine best resolution for customers.
• Spoke with customers to gather required documents for possible loan modifications. Education
Some college
Skills
• SUBJECT MATTER EXPERT (3 years)
• FHA (10+ years)
• DUE DILIGENCE (9 years)
• EXCEL (8 years)
• IDS (Less than 1 year)
• Mortgage Loan
• Encompass (4 years)
• Bank Secrecy Act
• Information Security
• Communication skills
• Customer service
• Microsoft Excel
• Data entry
• Microsoft Office
• Administrative experience
• Microsoft Word
• Credit Analysis
• Network Monitoring
• Loan Origination
Languages
• Spanish - Expert
Certifications and Licenses
NMLS1232862
Present
NMLS
Additional Information
SKILLS
• Bilingual -Spanish and English
• Top quality performance
• FHA, VA, Conventional, USDA and TSAHC loan background
• Subject matter expert in TRID
• Encompass, IDS, H20 system knowledge
• Simple Nexus
• Partners Credit
• Practices due diligence
• Proficient in MS Office, Word, Excel
• Knowledge of Equifax Application Engine
• Quality Assurance
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