Closer/ Funder/Notary

CELESTINE MCCRAY

**** ***** ***** ******,, *******, FL, 32810, US 754-***-****

*********@*****.*** Skilled in Outlook, Microsoft, Word, Excel, Softpro, Origin, Encompass, knowledgeable in FHA, VA, CONV, retail and builder business, Texas TSACH, refinance and TRID, office management and excellent customer service. State of Florida Notary

Bachelor of Science Psychology and Communications 2001 Trinity International University

Diploma and Certificate of Completion Ministry Leadership and Bible Studies 2021 Regency School of Leadership and Theological Studies Orlando, FL Dr. Gigi Palmer President

Senior Loan Closer Funder KB Home Loans Maitland, FL 9/19 - Present Florida, Texas and Colorado with previous experience in Georgia, North Carolina, South Carolina, New York, New Jersey, Nevada, Arizona and California.

Audit loan information verifying data and documents are in system correctly.This includes items such as appraisal HOI, flood cert, cpl, title committment, wire instructions, LE, ICD, COC cd(s), VOE, AUS, pricing matches, contract and conditions. Once loan is CTC - getting corrections as needed to prepare closing documents and sending pkg to title company. Wet sign and Esign/hybrid

Balance final cd cash to close with title and request wired funds. Submit adjustment wire requests as needed when changes occur. Review signed funding docs for accuracy and issue funding numbers to disburse. As a closer/funder my average is $216 million in production activity monthly. Closing Manager PURPLEBRICKS GROUP PLC Maitland, FL 1/18 - 6/19 Worked as office manager setting up a new office, hiring and training a team and overseeing their State of Florida operations for R.E. title closing transactions. Supporting all in state loan officers, realtors, brokers, title agency, mortgage lenders and clients through their home purchasing experience from beginning to end. Managing daily operations and weekly reports to corporate. Managing submission of new client relations and solidifying those relationships with consistent caring communication. Managing all receivable and deposit funds.

Responsible for over 18.1 million in closing transactions in the first six months. Note: Purplebricks business model was very successful in U.K. and gained traction in California. The owner and board at the time chose to tap into the Florida market and shortly thereafter that owning family stepped down and sold the company. The new investors and board decided to pull out of the U.S. avoiding future risks and concentrate on the U.K. instead. Closing Specialist Taylor Morrison Maitland, FL 8/12 - 5/18 Audit mortgage loans for accuracy, data entry to prepare ICD(TRID rule), prepare loan docs for closings, balance final cd cash to close and order wires. Working closely with title companies and attorneys nationwide. Ensuring compliance with regulations by thoroughly reviewing documents, identifying potential errors that could result in compliance deficiencies. Review funding dics once signed and notarized and issuing funding authorization. Average 60-100 loan closing/fundings per month.

PROFESSIONAL SUMMARY

SKILLS

EDUCATION

WORK HISTORY

Closing Specialist SunTrust Mortgage Orlando, FL 11/10 - 8/12 Performed internal audits of all loan types and assisted upper management to report findings against FNMA and RESPA specifications. Prepared loan documents for closings, coordinated with title companies anad attorneys nationwide. Set up wires for funding.

Note: prior to this position I worked in their loss mitigation department as a case manager reviewing and approving loan modifications for customers experiencing hardship. Closing Specialist Wells Fargo Bank Lake Mary, FL 2/10 - 11/10 Contract position- working as a compliance officer and closer for auditing purchase and refinance transactions. Prepared documents for closing. Coordinted closings with escrow agents ascwell as funding the loans beforevtransferring to post closing for shipping. Assisted in shipping loans towards the end of contract to expedite pipeline. Closing Officer- VA Ocwen Finance Orlando, FL 6/07 - 1/10 VA closer auditing pipeline of loans for accuracy and coordinating closings with escrow agents. Preparing loan closing documents and funding loan after signing was completed. Working with contracted attorneys as a paralegal assistant to gelp facilitate regulated documents and research required for hedge accounts. Making surevall state and VA regulations were met. Assisting department manager in training employees.

Note: Ocwen shut down Orlando operations after heavy protesting against predatory lending occured outside offices and laid off their employees.

Closing Manager Land America Sunrise, FL 1/05 - 6/07 Title project closing manager for multiple unit developments. Worked with attorneys and title examiner as well as abstract department to search plats, type and issue title committments and oversee escrow accounts. Hire, train administrative staff and submitweekly payroll to HR. Prepare HUD1 settlement statements assisting in heavy volume of closings. Assist corporate management with special projects and reporting.

Note: transferred to Orlando in June 2007. Arrived in Orlando- entire department was laidoff including my hiring manager. That's when I quickly applied at Ocwen and was hired to start that following week. Escrow Officer D.R. Horton Deerfield Beach, FL 12/03 - 12/05 Coordinated closings with mortgage lenders, builder, buyers/borrowers. Prepared HUD1 settlement statements balancing with lenders. Received loan closing documents and facilitated signings and notarized them as required. Faxing, scanning signed funding docs to lender for funding authorization. Disbursed files cutting all checks and issuing keys to purchaser upon completion. Stacking docs in order and shipping them back to the lender. Alao handled refinance transactions. Closing Manager Toll Brothers Boca Raton, FL 11/01 - 11/03 Coordinated and facilitated closings same as D.R. Horton. Loan Closer Mortgage.com Sunrise, FL 5/99 - 10/01 Managed ten plus employees (closers and pre-closers) for mortgage loan transactions. Oversee the success of 2,000 plus per month pipeline in funded loans (all types)

Prepared performance evaluations, reporting of daily/weekly/monthly status forvall loan transactions closing and funding. Oversee team and manage on a daily basis.

Note: CEO (Seth Werner) at that time (allegedly) bankrupted the company and doors were closed by federal marshals on October 31st. No further inquiries or any legal proceedings took place for myself or my department after that. Accounts Receivable and Payable -Escow Officer Sunrise Title Escrow Services, Llc Sunrise, FL 1/96 - 2/99 Managed a small attorney escrow office tha issued title with various insurance providers. Conducted escrow closings for purchase and refinance loan transactions. Assisted attorney and owner with other paralegal type work as needed. Managed eight employees and handled bank deposits.