Post Closing Data Entry
Resume:
Claude J. Mungin
***********@*****.***
SUMMARY:
● Twenty Five Years of Mortgage experience in Conventional Conforming and Non-Conforming loans as well as VA, FHA and USDA. Experience in all facets of the industry from Originating to Post Closing.
● Able to demonstrate initiative by taking positive actions in the absence of supervision by making sound and timely decisions to insure successful completion of tasks.
● Can work without supervision and have strong organizational skills to help provide direction and motivation to coworkers and/or subordinates.
● Committed to providing customers with the highest level of service, integrity, and professionalism. Very Knowledgeable in TRID Guidelines and Very Proficient with Encompass and Calyx LOS Software. Have also worked with Doc Magic and ProLender Software as well. PROFESSIONAL EXPERIENCE:
May 2020 - Present LoanFlight Lending, LLC.
Post Closing
Reviewed Closed Loan Documents for completeness and accuracy for Investors. Made sure all documents are in Compliance with Federal, State and Local Agencies as well as Investor Guidelines. Prepared Change of Circumstance Disclosures for files with changes prior to Closing. Shipped completed Loan Files/Packages to Investors via Encompass and Direct Upload to their Portals. Through our processes, I’ve also pulled Fannie and Freddie UCDs, FNMA 3.4 XML files to upload to Investors as well as periodically pulling MERS Registrations when needed.
July 2019 - February 2020 RESIDENTIAL ACCEPTANCE CORPORATION PROCESSING / INVESTOR LIAISON / POST CLOSING
Processed Home Loans for Purchases and Refinance for Conventional, VA, FHA and USDA Mortgages. Gathered required documents for files to be passed on to Underwriters for final approval. Contacted customers to ensure they had the right product for their needs, i.e.Purchase and Refinances. Ordered Title work, Insurance documents, and Appraisals. Also, coordinated and scheduled closings with customers and Title Companies/Closing Agents. Also worked with Investors to clear outstanding conditions for loans to be purchased. Also inputted ULI Numbers in system to Investor and prepared Fannie and Freddie UCDP Documents through the Electronic Portal and numerous other Post Closing duties.
JUNE 2018 – July 2019 CLAYTON HOLDINGS / RADIAN GROUP COMPLIANCE ANALYST
Review Closed Loan Documents for completeness and accuracy for Investors. Make sure all documents are in Compliance with Federal, State and Local Agencies as well as Investor Guidelines. Reviewed Files reviewed files for correctness of documents for loans that closed before TRID and review Closed Loan files that Closed after TRID took effect for Compliance and to ensure all required documentation is included per Government Guidelines.
OCT 2016 – MAR 2018 EAGLE HOME MORTGAGE
SECONDARY MARKETING/ INVESTOR LIAISON
● Worked Closely with Investors to satisfy and cure suspended loan conditions. Especially loans with Unacceptable and/ or Incomplete delivery statuses.
● Cleared all outstanding conditions for loans to get purchased by Clients/ Investors. Performed daily reviews of pipeline from all assigned Clients/ Investors for any new and uncleared conditions which may need immediate attention and for unclear or invalid conditions which may need to escalated. Served as point person for Client/ Investor and Internal inquiries with weekly conference calls. JAN 2016 – OCT 2016 RESIDENTIAL ACCEPTANCE CORPORATION CLOSING/ POST CLOSING, COMPLIANCE REVIEW AND QC AUDITING
● Prepare FHA, VA, USDA and Conventional Loan Files for closing by reviewing the Closing and Funding Conditions from Underwriting. Prepare Initial Closing Disclosure and compare it with the Loan Estimate for accuracy and balancing figures with Settlement agents to Review for Correctness before reconciling final figures for Funding and preparing the Final Closing Disclosure for signing.
● Review Loan Files for TRID Compliance and ensure all required Disclosures are provided within the correct timeframe according to the guidelines. Perform Quality Control Audits on Underwritten Files to ensure files are Compliant and all required documentation and conditions were met before approving file with a clear audit and Clear to close Approval.
● Review Closed Files for Completeness to ensure that all TRID documents and disclosures are included. Prepare and Ship Loan files to Investors and clear any conditions from Investors to guarantee purchase of Loans. Retrieve outstanding and trailing documents for Investors as well.
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AUG 2014 - JAN 2016 HIREGY/ SUNBELT LENDING SERVICES POST-CLOSING REVIEWER
● Review FHA, VA, Conventional and USDA closed files for completeness and data integrity. Confirm all closing docs are included in the loan package and Make sure file is in compliance by checking and comparing the GFE/ Loan Estimate with the Settlement Statement/ Closing Disclosure as well as reviewing all important documents to ensure that the files are ready to be shipped to Investors. Insure FHA Loan files, Guaranty VA and USDA Loan files and also contact Title Companies and Closing Agents to retrieve missing and/ or outstanding documents as well as upload, label and assign documents in Encompass. JUNE 2013 – JULY 2014 STONEGATE MORTGAGE CORPORATION CORRESPONDENT CONDITION REVIEWER
● Reviewed closed loan packages (both Credit and Closing documents) to determine that files have been Originated, Underwritten and Closed in Compliance with Federal Regulations, Agency Guidelines and
● Stonegate Mortgage Corporation’s Company Overlays.
● Prepared FHA, VA, and Conventional Loans for Funding: Confirmed Data Integrity and completeness of all required data input. Also confirmed that all conditions were included and cleared and the appropriate Wire Instructions were completed.
OCT 2011 – JUNE 2013 KASS/ SHULER
FORECLOSURE SPECIALIST
● Prepared Foreclosure files for Attorneys
● Processed and generated documents for Foreclosure files that needed to go to County Courts for processing and recording. Tracked and recovered outstanding documents to complete files. JULY 2010 – OCT 2011 BANK OF AMERICA
HOME SERVICES SPECIALIST
● Process home mortgage refinances for existing and new customers using an in-house automated processing system.
● Gathered required documentation to clear conditions for underwriting final approval. Contacted customers on a Sdaily basis to keep them informed on the processing status of their new loan. Ordered title work, appraisals and inspections as needed.
● Coordinated closings with Title companies, closing agents as well as scheduling with customers. Did some Underwriting on certain loan files.
FEB 2004 – JULY 2010 SOURCE ONE FUNDING, INC, ST. PETERSBURG, FL MORTGAGE BROKER
● Originate refinances and purchases on primary and investment properties. Assist clients with mortgage needs and help correct credit issues that pertain to obtaining a new mortgage or securing a refinance. Trained new Brokers that were hired and. instructed them on the processes involved with the business.
● Processed and Closed my own files and coordinated closings with Customers, Title Agents and Lenders. Also ordered Title work, Appraisals and Property Inspections. MARCH 2004 – DEC 2010 SUNCOAST BUILDING CONTRACTORS, INC. SITE SUPERINTENDENT
● Supervised all operations and activities on a Construction Site for New Homes on a daily basis from initial start-up to Completion. Was responsible for daily scheduling of all activities and tasks of Sub-Contractors and individual Trades and also made sure that the Site was safely ran and always in Compliance with OSHA standards.
● Negotiated with Contractors and Suppliers to help keep order costs reasonable as well as requested Sub-Contractors to stay within the prescribed timeframe to complete their phase of the job. Ordered Inspections through the City / County upon completion of each phase to move to the next phase toward completion.
● Was responsible for overseeing all aspects of the Construction Project from beginning to completion. Supervised all onsite personnel and Subcontractors, interacted with Inspectors, Architects, Engineers, City and County Officials as well as Clients. Maintained High Standards of Workmanship and Quality and always adhered to the Original Plans and Specifications. OCT 2002 – JAN 2004 JP MORGAN CHASE, TAMPA, FL.
HOME LOAN ANALYST
● Processed Home Mortgage Loans through Desktop Underwriter, Loan Prospector, and Zippy Loan Approval Systems.
● Gathered required documents for files to be passed on to Underwriters for final approval. Contacted customers to ensure they had the right product for their needs, i.e. Refinance, Line of Credit or Home Equity Loan/2nd Mortgage. Ordered title work, insurance documents, and appraisals. Also, coordinated and scheduled closings with customers and Title Companies/Closing Agents.
● Managed a pipeline of 150 loans per month and exceeded monthly goals by consistently closing 40-45% of pipeline every month.
● Maintained a customer satisfaction rating of 90% on a consistent MAR 2001 – OCT 2002 REPUBLIC BANK, ST. PETERSBURG, FL DOCUMENT CONTROL SPECIALIST/POST CLOSING
● Reviewed Loan Files for Processing. Tracked, ordered, processed, and reviewed outstanding documents. Sent Mortgages and Assignments out to be recorded.
● Worked closely with title companies and recorder’s clerks to retrieve old and outstanding documents. Also did data entry as well as maintained MS Excel spreadsheets.
● Implemented new procedures for tracking outstanding documents.
● Coordinated new system for receiving and filing recorded documents. NOV 1998 – OCT 2001 MORTGAGE INVESTOR’S ST. PETERSBURG, FL PROCESSING/ DOCUMENT CONTROL/POST CLOSING
● Processing/Closing/Pre-Qualifications/Data Entry: Processed VA, some Conventional, and FHA refinances.
● Worked in Closing Department in final figures and reviewed credit reports for processing approval. Also worked in Document Control and Post Closing to review and retrieve outstanding documents. EDUCATION:
● Savannah State University, Thunderbolt, GA Minot State University, Minot, ND
● Richard Arnold High School, Savannah, GA
MILITARY:
● United States Air Force – E5 Staff Sergeant
● U.S. Air Force Reserves
TRAINING/ CERTIFICATIONS:
● Fair Lending – Retail
● Chase Credit Policy
● Fraud Detection and Prevention
● HMDA Training Program
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