Virginia Wiegman

Wholesale, Retail, Portfolio,SBA Loan Closer, looking for opportunities

Boynton Beach, FL 33436

adxho7@r.postjobfree.com

+1-561-***-****

Authorized to work in the US for any employer

Work Experience

Senior Mortgage Loan Closer

City National Bank of Florida - Miami, FL

July 2022 to March 2023

Residential Lending of non conforming products, portfolios and NRA loans. Disclosed ICDs, balanced with title/attorney, calculate wire and insure docs are correct and compliant. Proficient in Encompass LOS, Elevate, Navigator platforms, as well as all Microsoft Office apps Mortgage Loan Closer (Remote)- DAS Acquisition Company/USA Mortgage August 2019 to June 2021

Data Trac, Compliance Ease, Guardian, On Base, Doc Magic, Encompass, Docutech, Conform X.

8/21/2019-Present

Mortgage Loan Closer (Remote)- DAS Acquisition Company/USA Mortgage

- Preparing closing packages for retail lending

- Reviewing underwriting and processing conditions for accuracy and clearing once resolved

- CD approvals, COC's

- Knowledge of FHA, VA and Conventional, USDA, Wet and Dry States

- Knowledge of post closing requirements for loans to be purchased by investors

- TRID and the LE, CD disclosures with APR and tolerance changes

- All MS office proficient

Mortgage Loan Closer (Remote)

Home Point Financial

September 2016 to August 2019

- Preparing closing packages for retail lending

- Reviewing underwriting and processing conditions for accuracy and clearing once resolved

- CD approvals, COC's

- Knowledge of FHA, VA and Conventional,, TX loans, guidelines as well as state requirements

- Knowledge of post closing requirements for loan saleability

- TRID and the LE, CD disclosures with APR and tolerance changes

- All MS office proficient

Mortgage Loan Closer

Acopia Capital Group

November 2015 to August 2016

- Preparing closing packages for brokers, title companies in a wholesale arena

- Calculating and sending wire to appropriate parties

- Reviewing underwriting and processing conditions for accuracy and clearing once resolved

- Hud approvals

- Knowledge of FHA, VA and Conventional guidelines as well as state requirements

- Knowledge of post closing requirements for loan saleability

- TRID and the LE, CD disclosures with APR and tolerance changes

- All MS office proficient

Mortgage Loan Closer (remote)

Freedom Mortgage

December 2012 to October 2015

- Preparing closing packages for brokers, title companies in a wholesale arena

- Calculating and sending wire to appropriate parties

- Reviewing underwriting and processing conditions for accuracy and clearing once resolved

- Hud approvals

- Knowledge of FHA, VA and Conventional guidelines as well as state requirements

- Knowledge of post closing requirements for loan saleability

- Introduction to TRID and the LE, CD disclosures with APR and tolerance changes

- All MS word office proficient

Mortgage Closer

Regions Bank

November 2011 to September 2012

Responsibilities include, but not limited to:

- Training and working in the capacity as a mortgage loan closer in the mortgage lending division.

- Working specifically on production of Convention Refi Products, but have also worked in production on Purchases, FHA, E-Flex and BI-Weekly loans.

- Other responsibilities include verifying loan closing, disbursement and shipping of packages, as well as checking GSA, LDP and exclusionary lists.

Emerging Mortgage Banker Auditor Franklin American Mortgage Company Franklin

September 2006 to November 2011

Established the Mortgage Program as a new implantation in the TN. Ops office Responsibilities include, but not limited to:

- Preparing closing packages for Lenders who have a warehouse line of credit to close and fund loans in their own name on Conventional, FHA and VA loans, brokered or EMB Loans

- Receiving closed loan packages for audit and compliance to sell in the secondary market

- Reviewing all docs for accuracy and compliance ie; Title, Appraisals, HUDs, Required Disclosures and Investor Docs, for salability in secondary marketing

- Run high cost (sect. 32) loan tests for APR and State Regulations

- Placing and clearing conditions on closed loans

- Reviewing and endorsing original collateral to send to ware house bank

- Checking GFE, TIL and all other initial disclosures for compliance, curing any tolerances

- Setting up loans for funding, insuring proper escrows and interest have been collected at closing

- Conducting conference calls with Lenders and Account Executives to set up new EMB Lenders, and building good rapports for smooth loan process

- Knowledge and understanding of RESPA, MDIA and HPML Guidelines

- Knowledge and understanding of LO Compensation guidelines, borrower and lender paid Mortgage Loan Closer

Responsibilities include, but not limited to:

- Preparing closing packages for Attorneys or Title Companies on Conventional, FHA, and VA Loans for brokers

- Built rapports with Lender Contacts to insure a smooth process in clearing loans for sale in the Secondary Market

- Check Title Commitment for effectiveness, vesting, taxes, judgments and or liens and CPLS

- Check Appraisals for value, condition of property, and accuracy

- Check Hazard/Flood policies for dwelling coverage and effectiveness

- Run high cost (sect 32) loan tests for APR failures and State Regulations

- Check final HUD-1 for accuracy and compliance

- Calculating Yield Spread Premiums, or fees for Lender paid loans

- Approve final HUD-1 prior to loan closing

- Setting up wires for disbursement

Post Closer/Secondary Market

K.Hovnanian American Mortgage, LLC

March 2005 to August 2006

Responsibilities include but not limited to:

- Knowledge of Conventional, conforming and non-conforming, sub-prime loans, FHA and VA

- Manage a large pipeline consisting of approximately 100 loans per month

- Receive closed loan packages directly from the Title Company/Attorney

- Review HUD for accuracy

- Audit the closed loan file for accuracy and compliance for sale to Investor/Servicer

- Set and clear closing, processing and investor conditions prior to loan sale

- Review collateral for accuracy and compliance before sending to Warehouse Bank

- Data entry via Integra in house Due-Diligence System

- Correspondence with processors, underwriters, investors and borrowers throughout loan sale process

- Delivery of closed loan to investors via EDI (electronic delivery imaging), and UPS

- Prepare and ship transferable documents for investor once loan is purchased/serviced; including Hazard Documents, Payment Letters, Good-Bye letters, and Pay Coupons.

- Received Department-wide quarterly award for Shipping and Funding the most loans Loan Registration Specialist

Lydian Data Services

July 2004 to February 2005

Responsibilities include but not limited to:

- Receive and review loans for conformance via Mortgage Due Diligence System

- Setting proper conditions upon receipt of loan for collateral and credit packages

- Working in conjunction with Funding and Client Advocate on clearing/waiving conditions

- Shipping collateral, notes and trailing docs to Warehouse Lender / Servicer or Investors

- Kept logs to track conditions for loans waiting to be funded

- Responsible for all original documentation

Skills

• Fair Housing Regulations

• EDI

• Banking

• Escrow

• FNMA

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