Customer Service Post Closer
Resume:
Tina T. Le ** Garden Dr. Fairfield, CT ***** ady8k7@r.postjobfree.com 203-***-****
Objective
Seeking an opportunity to work as a Mortgage Loan Post Closer with an established financial institution, utilizing my expertise in loan processing, customer service, and problem solving.
Experience:
M&T Bank Bridgeport, CT
Correspondent Purchase Specialist III / Post-Closer – April 2022 - June 2023
Experience in both residential and corresponding post-closing process and documentation
Responsible for adhering to LE & Initial CD and Final CD within compliance and RESPA.
Deliver outstanding customer service
Verse is multiple loan operating systems (LOS)
Knowledge of required closing documents in multiple states
Expert in all types of mortgage files; including CEMA, Construction and Trusts and FHA & FNMA
SONMYA & FHA/DPAL and Co-Op & FNMA Home Style
Developed numerous processes to expedite the correspondent workflow
Supervised and trained multiple employees in process
Consistently number one producer of number of files reviewed and turnaround time for clearing conditions to fund.
Resolve client issues by accelerated decision making
Peoples United Bank Bridgeport, CT
Correspondent Senior Post Closer – September 2019- April 2022
Responsible for adhering to TRID, High Cost, TILA, and RESPA.
Review system of record information to ensure closing documentation accuracy
Perform validation of fees and submit wires to fund all loans within necessary time frames adhering to product, investor, state, and federal guidelines.
Collaborate with applicable parties to meet target close date through time management of tasks and pipeline reporting.
Ensure accuracy of data being submitted for CD Issuance
Test closing documents and custom enhancements for system updates.
Serve as senior member of staff to support Team
Assist in new employee/contractor onboarding, and technical training.
Aid with expansion of departmental instructional manual/materials.
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
Collaborates with applicable parties to meet target close date through time management of tasks and pipeline reporting.
Post Closer – October 2012- September 2019
Intake and review closing packages received from Attorneys
Review all documents for accuracy to be sent to investors for purchase of loans
Identify and resolve any issues that arise with post-closing
Uploading complete closing packages to investors and loan servicing
Conduct quality control review of each file and final reconciliation of each loan
Ensure timely payment of FHA premiums
Board loans to the servicing system
Work with various internal departments and external organizations to obtain closing related documentation.
Processing – May 2008- October 2012
Process loans in a timely and accurate manner
Review appraisals, verify income for accuracy
Update automated underwriting system when relevant changes to loan occur
Notifies appropriate parties that loan has been moved to closing
Ability to learn new systems as needed utilizing internal and external resources
Flexibility to respond to multiple assignments or situations to assist management
Follow up on rate lock expirations and document expirations and also cancels/denial files.
Loan Closer – April 2003 - May 2008
Loan closer oversees the loan closing and funding process for the wide range of real estate loan types including, FHA, FNMA, CEMA, TRUST, CO-OP, 30 Fixed Rate, Jumpo loan.
Working closely and collaboratively with Attorneys, Title Complanies public agencies, vendors, borrowies and escrow companies.
Ensures that loan documents are correctly prepared, reviews and approves due diligence documentations, leads regular update meetings
Maintains and authoritative checklist of materals and activities, and marshals all parties throught the process to a successfly closing.
Education:
Housatonic Community College
Major in Accounting
References: Available upon request
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