Mortgage Closer Loan Processor
Resume:
KENYON JOHNSON
***** ******** ****** **********, ********
adwqpb@r.postjobfree.com 313-***-****
Seeking a fulltime position in Taxation
●Finance professional with experience in tax, mortgage processing, insurance, client relationships and sales.
●Excellent communication skills – able to explain complicated tax and financial concepts.
●Highly analytical with the ability to glean relevant information from large amounts of data.
EDUCATION & LICENSURES
Walsh College, Troy, MI
Master of Science in Taxation Dec 2021
Michigan State University, E. Lansing, MI
Bachelor of Science in Human Resources
Licensed Life Accident and Health Agent, State of Michigan, 2013-Present
Licensed Property and Casualty Agent, State of Michigan, 2013-Present
Licensed Realtor, State of Michigan, 2000-Present
SAFE ACT registered NMLS # 1368662
WORK EXPERIENCE
Tax Defense Ohio
Staff Accountant Jan 2022-present
●Provide holistic tax compliance and consulting services for family office structures, privately held businesses, their owners, and families
●Provide tax compliance and advisory services to pass-through entities and partnerships and/or a variety of Asset Management clients
●Perform detail level review of individual, fiduciary, partnership, closely held corporations, estate, and gift workpapers and tax returns
●Research tax planning opportunities to retain and/or grow wealth to help clients make informed strategic decisions based on their personal objectives
●Excellent verbal and written communications skills and the ability to articulate complex information
●Ability to handle multiple engagements and client service teams
●Extensive use of Ultra Tax software
●Processed ERC calculations and determined eligilbiliy.
Bayview Financial (Remote}
Mortgage Closer -Jan 2021-May 2021
●Reviews approved mortgage loan to determine loan is clear to close, and all conditions that must be met prior to closing, such as purchase of private mortgage insurance, have been satisfied.
●Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms.
●Enter wire transfer data into the banks system, complete Journal Voucher, and Wire Instructions for Bank's Accounting Dept.
●Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan * Completes work within established closing deadlines
Generates, reviews, and approves the Closing Package
Flagstar Bank Troy MI
Mortgage Closer October 2019-Feburary 2020
●Reviews approved mortgage loan to determine loan is clear to close, and all conditions that must be met prior to closing, such as purchase of private mortgage insurance, have been satisfied.
●Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms.
●Enter wire transfer data into the banks system, complete Journal Voucher, and Wire Instructions for Bank's Accounting Dept.
●Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan * Completes work within established closing deadlines
●Generates, reviews, and approves the Closing Package
●& CD Settlement Statement
●Managed pipeline 0f 40 to 50 loans per month
ECM LLC Detroit, MI
Tax Accountant, January 2005- August 2021
●Prepared individual, partnership, corporate and other types of tax returns and ensured that all sales, personal property and use tax returns are filed timely and accurately; 1040, 1065, 1120.
●Processed tax returns accurately, efficiency and in a timely manner.
●Prepared written communication for sales tax and personal property tax audits.
●Performed and computed sales and use tax.
●Performed bookkeeping duties for small companies.
●Ensured companies following GAAP Principles as it relates to accounting services that were provided.
●Extensive use of Drake Software and CCH research
●Prepared 5471 and 5472 forms in conjunction with Sec 6038(A) and associated regulations.
●Familiar with FACTA and FBAR as it relates to international transactions and transfer pricing documentation.
Sumit Realty, Detroit, MI
Realtor, Jan 2001-Present
●Maintained contact with realtors, title companies as well as client in loan process.
●Collected and analyzed financial documents to determine loan eligibility.
●Responsible for ordering title work reviewing tax information, license and legal description.
●Scheduled closings ensured that all documents in stacking order were and signed as mandated.
●Ordered loan pay offs to complete loan transaction and calculated debt to income analysis.
Urban Lending Solutions Jan 2017- June 2017
Senior Mortgage Funder/Closer
●Reviews approved mortgage loan to determine loan is clear to close, and all conditions that must be met prior to closing, such as purchase of private mortgage insurance, have been satisfied.
●Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms.
●Enter wire transfer data into the banks system, complete Journal Voucher, and Wire Instructions for Bank's Accounting Dept.
●Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan * Completes work within established closing deadlines
●Generates, reviews, and approves the Closing Package & CD Settlement Statement
●Managed pipeline 0f 40 to 50 loans per month
Citi Group Belleville, MI
Mortgage Closer Aug 2016-Jan 2017
●Prepare general closing instructions, Closing Disclosure (CD), loan payment form, funding wire breakdown, review CD for accuracy and completeness, and notify appropriate staff of any errors;
●Verify and update information is correct per loan approval—review all closing related loan support documents from Encompass, including but not limited to loan approval, 1003, URAR, title insurance and CPL information, tax information, Closing Disclosure (CD);
●Review and update itemizations in Encompass;
●Send initial Closing Disclosure (CD) to the title company and borrower in a timely manner;
●Re-disclose Closing Disclosure (CD) when there is a change of circumstances in the file as necessary;
●Coordinate and balance loan closing with title company in a time manner;
●Accurately notate at-closing all underwriting conditions;
●Generate closing doc package and review for accuracy, to include reviewing all documents that require execution for discrepancies in address, name, interest rate, APR, costs, and fees
American Lending Solutions, Southfield, MI
Loan Processor, June 2015-Sept 2015
●Dialed over 100 calls per day in order to take loan applications.
●Gathered financial information from clients in order to have a complete file for underwriting.
●Followed all regulatory guidelines as it relates to RESPA and TIL.
●Familiar with ratio’s and guidelines as it relates to FHA, VA, USDA and Conventional loans.
●Ordered and reviewed title and appraisal to meet investor guidelines.
●Reviewed HUD-1 for accuracy and completeness.
●Calculated debt to income ratios and reviewed tax returns.
●Collaborated with third parties to clear all underwriting conditions.
TECHNICAL SKILLS
Tax Preparer Quick Books Drake
MS Excel MS Word SharePoint
MSP Encompass 360 CRM
MS Access MS Publisher MS PowerPoint
MS Outlook Moodle
ACTIVITIES
Member, Board of Realtors, 2000-Present
Member, Omega Psi Phi Inc., 1996-Present
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