Luz Annette McClenton

904-***-****

MORTGAGE BANKING CLOSER RELEASED/REMOTE CLOSER MORTGAGE LOAN CLOSER Mortgage Loan Applications Documentation Verification & Analysis Superior Customer Service & Satisfaction Revenue & Profit Maximization Due Diligence Assessment Key Relationship Management Contract Negotiations OVERVIEW

Highly accomplished and results-focused professional with 20+ years of proven experience working with clients and stakeholders in both wholesale and retail environments throughout complete mortgage process including loan closing, documentation & data accuracy, due diligence assessment, transparency & time management, title analytical review, and post-closing. Committed to operational efficiency, profitability, risk management, and compliance with strong track-record of helping people on investment properties to meet their financial goals. Highly proficient in handling loan application requirements, negotiation, and closing with ability to maintain customer satisfaction and contribute to mission-critical organizational objectives. Consistently relied upon for completing strategic initiatives to generate and enhance revenue to deliver industry-leading success. SUMMARY

Mortgage Loan Applications Management Extensive knowledge in high volume closings of conventional, FHA, VA, CEMA, CO-OP and CRA/bond loans ensuring secondary market resale compliant. Highly experienced in assessing true needs and expectations, building lasting professional relationships. Grow and deepen strategic partnerships to achieve mutually beneficial outcomes. Leverage extensive executive sales, account management, loan administration, and staffing experience in mortgage underwriting. Have a demonstrated track record of aligning organizational critical mission/vision with the delivery of desired results through effective use of resources, processes, and technologies. Solutions Delivery Possess a proven ability to anticipate unique requirements or potential road-blocks in all situations. Continually develop back-up plans to minimize risk and deliver exceptional results; streamline communication and implementation channels to effectively meet client and organizational needs. Adept at listening to pin point communication breakdown on relayed process per individual, learning awareness when using dialect for translating modules, available with an approachable demeanor. Client/Customer Satisfaction Able to bring revenue generation through customer satisfaction, consumer segmentation and emphasis on returns on investment (ROI). Drive insight to enhance execution and innovation of continuous improvements. Adept at providing strategic planning, development and flawless execution of high-profile loan closing initiatives. Achieves balance between analytic and creative by being open to ideas and providing inclusive cross-functional process optimizations. Strategic Leadership Strong track-record of leading highly dynamic teams within organization to assess ineffective areas of customer service and propose effective solutions. Design and promote shared, singular vision across worldwide team, while allowing every team member understand their importance in achieving this vision. Mentors and coaches high-functioning teams to excel in complex, challenging environments. AREAS OF EXPERTISE

• Loan Processing & Management • Growth/Revenue Maximization • Team Training & Development

• Strategic Time & Resource Mgmt. • Research & Operation Support • Strategic Planning & Execution

• Networking/Relationship Building • Complex Problem Solving • Software Savvy & Fast Typing

• Documentation & Data Accuracy • Mortgage Loan Applications • Superior Customer Service & Gui.

• Cross-functional Collaboration • Interpersonal Communications • Transparency/Proactiveness & Eff PROFESSIONAL EXPERIENCE

FIRST HOME MORTGAGE CORP 2020 to 2022

Released/Remote Closer Baltimore, MD

• Worked with mortgage lenders, title and escrow companies signing and notarizing mortgage loan documents.

• Influenced results-driven implementation, compliance, and maintenance of standards while completing loan documents for real estate, refinancing, and modifications.. Highlights

Expedited accurate loan closing for 200+ clients on monthly basis.

Verified authenticity of client and identification for each borrower.

Reduced compliance hits by redisclosing eligible LE's and lowered tolerance cures in wholesale environments by observing the accurate and genuine pricing.

Recognized on monthly top closer circle at PNC, Zions, BofA, WellsFargo and further recommended for various call back assignments.

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ZIONS BANK CORP 2019 to 2020

Mortgage Banking Closer II Greenwood Village, CO

• Notarized closing documents in compliance with State laws prior to forwarding to title company.

• Provided detailed explanation of all closing package documents to borrowers to ensure thorough understanding. Highlights

Grew trust of the company and awareness on portfolio to achieve home ownership while retaining and expanding the existing customer base through quality performance and on-time delivery.

Explored networking opportunities with real estate professionals, title offices, lenders, and built rapport with management and employees to establish trust.

Created and taught training material for a phone bank unit of 40 on site representatives to successfully operate taking applications for appliance financing.

Leveraged mortgage banking closing expertise to ensure compliance with stated deadlines and customer expectations.

Improved company reputation on turnaround and service times consistently while initiating and cultivating professional relationships through networking.

LEWIS AND JAMES PROFESSIONALS 2019 to 2019

Mortgage Banking Closer Georgia, Orlando, FL

• Formulated and implemented results-driven client engagement strategies that ensured revenue growth at greater profitability levels.

• Consulted with clients seeking to purchase or refinance and provided pre-approval/pre-qualifications to enable seamless loan closing.

Highlights

Created loan scenarios through sales force marketing software for borrower’s review and assisted them with making the best choice to meet their financing needs and budget.

Networked with referral partners and business partners, explaining features and benefits resulting in referrals and new long-term relationships.

Exceeded weekly goal of contacting 100+ referral partners through multiple communication channels with focus on continuous engagements.

Developed training plans for all new employee so that they can continually improve their technical expertise and loan closing skills.

PNC MORTGAGE 2016 to 2018

Remote Closer Jacksonville, FL

• Reviewed new loan applications and assisted with gathering/reviewing supporting documents.

• Verified applications and submitted disclosures to borrower in order to guide clients through loan process and keep them constantly updated.

Highlights

Completed missing information and notes via Encompass while liaising between Sr. Loan Officers and processing team to maintain accuracy and resolve any missing items or issues with loan files.

Set realistic expectations by ensuring up front that borrower and project were eligible to be approved to avert reputational damage for the company and clients.

Monitored loan files throughout processing and underwriting process to ensure efficient and on-time closings.

EDUCATION

General Curriculum in Business, Millville, N.J. / Business Spanish while on merger in Zona Rosa, D.F. Mexico City, Mexico

COMPUTER SKILLS

• Savvy user of Encompass, Snapdocs, Latitude, CIMS, Oracle(Wrapper) Microsoft Office, 10Key by touch

@ 10KS, Digidocs, MS Teams, CRA Platforms for Bond Docs, State & County Tax & Property Lookup Savvy (Escrows/Sale Review)

LANGUAGES

• Bilingual, fluent in Spanish

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