Betty E. Brown

Riverview, FL *****

adx5q7@r.postjobfree.com

+1-248-***-****

As a Senior Mortgage Closer with extensive experience with closing and funding conventional and government loans. Proven analytical skills with demonstrated ability to work independently in a fast- paced environment as a professional team player. Seeking opportunities that will allow me to become an asset to a growing company.

Authorized to work in the US for any employer

Work Experience

Mortgage Lending Closing Officer III

BB&T now known as Truist Bank - Tampa, FL

August 2016 to Present

• Responsible for closing residential mortgage loans to ensure compliance with bank, investor and secondary market standards.

• Closed various purchase and refinance products such as VA, FHA, Bond, Trusts,

• Business Entity loans, Vacant Land Construction and New Construction.

• Strong use of critical and analytical skills to review and close loans.

• Demonstration of the understanding of mortgage lending products, policies, processes and their requirements.

• Followed underwriting guidelines to ensure clearance of all Closing Conditions.

• Accurate preparation of closing documents, instructions, initial closing disclosure and final closing disclosure.

• Adherence to TRID guidelines and compliance regulations, including but not limited to monthly continued education courses.

• Proactive written and verbal communication with settlement agents, attorneys, loan officers and processors in order to ensure all loans close in a timely manner.

• Meeting and regularly exceeding monthly goals by effective pipeline management.

• Verification of wire instructions, preparation of wire request, and review/approval of executed loan documents required for funding/disbursement of the wire.

• Implementation of strong proficiency in computer applications such as Empower, Adobe

• Acrobat, Microsoft Office and WebEx software.

• Successfully transitioned into working remotely earning both monthly and quarterly monetary bonuses as a result.

Medical Billing Specialist

Adapt Behavioral Services - Ormond Beach, FL

June 2015 to July 2016

•Followed HIPAA policies regarding confidentiality of client records.

•Entered insurance authorization codes into billing software.

•Entered and updated all transaction details and client information into the billing. software database to ensure that all various accounts are accurately notated/documented.

•Coordinated with funding sources regarding required authorizations and documentation.

•Provided feedback to assigned clinicians regarding documentation and policies in a constructive and timely manner of executed documents in accordance with the guidelines to obtain billing approval. Senior Mortgage Closer

JPMorgan Chase Bank, N.A - Troy, MI

October 2004 to January 2014

•Responsible for preparation and review of the HUD settlement statement for purchase and refinances.

•Coordination and closing of For Sale by Owner transactions, including contract review.

•Achieved and maintained all departmental cycle time, service and volume standards.

•Maintained and balanced disbursements and escrow funding.

•Provided extensive customer service in order to assist all parties with any questions or concerns pertaining to various stages of the transaction.

•Entered and updated all transaction details and client information into the closing database, ensuring that all files are accurately notated.

•Review of loan payoff and judgments.

•Preparation of Mail Away closings.

•Worked closely with underwriting counsel to resolve perfect client experience rush files.

•Reviewed final HUDs Statements for approval.

•Provided extensive customer service in order to assist all parties with any questions or concerns pertaining to various stages of the transaction.

•Entered and updated buyer information into the database, ensuring that all files are accurately notated.

•Review of title commitments to identify and validate title issues/liens.

•Identified the best course of action with the anticipated timelines required to cure the file.

•Escalate opportunities to mitigate losses or otherwise settle.

•Research and provide payoffs for open liens and judgments.

•Preparation of corrective instruments, ie LLC, POA and Trust.

•Obtain and reviewed surveys for use in clearing exceptions to title.

•Effectively handled multiple tasks and exhibited the ability to prioritize daily. Education

High school diploma

Skills

• Adobe Acrobat

• Escrow

• Insurance Verification

• Medical Billing

• Microsoft Office

• Fair Housing Regulations

Military Service

Branch: United States Army

Service Country: United States

Rank: E-4

February 1985 to March 1989

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