Sr. Mtg Closer and Processor/ Escrow reviewer/post closing/ clerical

Sarai Alers

Lake Hopatcong, NJ *****

Cell 862-***-****

Email: ********@*****.***

LinkedIn: Sarai Alers

Summary Qualification: Experienced bilingual Spanish speaking, highly efficient Mortgage Professional Specialist offering 22 years of experience in conventional and government mortgages. Excellent communication and customer service skills. Well-versed in FHLMC, FNMA, FHA, VA, USDA, HUD, MRG, GNMA, RESPA, and Regulation Z guidelines. Meticulous in delivering error-free documentation and ensuring compliance with company policies and regulatory requirements. Confident and poised in interactions with individuals at all levels. Work well under pressure and willing to do whatever it takes to complete the tasks. I am a self-motivated individual with ability to work independently with minimal supervision. Detail-orientated, resourceful, and able to handle multiple tasks under tight time constraints with high volume.

Qualifications:

Encompass, EMS, English Encompass, Loan Sphere, Docutech, Smart Fees, Funding Shield, Mavent, Ellie Mae, Doc Magic, Snapdocs, Genesis Data trac, Windows, MRGFHA, FHA 203k Renovation, Conventional, VA, CEMA, USDA, DO, DU, LP. Reliable and responsible to work from home as a remote employee.

Professional Experience:

Citi Group, Jersey City, NJ March 2022 to March 2023

Job title: Mortgage Loan Closer/Funding Review

Will collaborate with Private Banking loan closers to coordinate and audit the loan process as well as perform several processing and closing activities. The individual will help verify that all the required processes & key regulations have been followed and conduct timely and proactive follow-ups as needed to ensure the loan closes with 100% regulatory and process compliance and on time. By Review of documents, legal documents, appraisal, title commitments, review HOI binders, Flood ins binders, premiums, review Mortgage Ins Certificates, invoices, request revisions on vesting, request Update and Changes on Insurance, Requested Updated Title, Requested and Correct Appraisals, Requested pending conditions for closing time, verify incomes, verify assets, verify HUD case numbers, verify VA identification numbers, verify Ratios and DTI, Closed loans for all states, release docs to closing agents.

Planet Home Lending, LLC Melville NY October 2021 to February 2022

Senior Closer

Audit loan for final determination all is accurate prior to closing such as, Disclosed Closing Disclosure, COCs, legal documents, appraisal, title commitments, Tax Searches, review HOI binders, Flood ins binders, premiums, review Mortgage Ins Certificates, invoices, request revisions on vesting, request Update and Changes on Insurance, Requested Updated Title, Requested and Correct Appraisals, Requested pending conditions for closing time, verify incomes, verify assets, verify HUD case numbers, verify VA identification numbers, verify Ratios and DTI, Closed loans for all states under mandatory requirements and release docs to closing agents and finalize funding wire breakdowns.

American Financial Resources Inc, Parsippany, NJ June 2015 to October 2021

Senior Closer

Review of documents, legal documents, appraisal, title commitments, review HOI binders, Flood ins binders, premiums, review Mortgage Ins Certificates, invoices, request revisions on vesting, request Update and Changes on Insurance, Requested Updated Title, Requested and Correct Appraisals, Requested pending conditions for closing time, verify incomes, verify assets, verify HUD case numbers, verify VA identification numbers, verify Ratios and DTI, Closed loans for all states, release docs to closing agents

Final Underwriting Review/Clear to Close Specialist June 2010 to January 2015

Final review, Quality Control, Processing, Verification, Pipe line, DO/DU/LP, Request Updates, Clerical, Heavy phone lines, Filing, Request Update and Changes on Insurance, Requested Updated Title, Requested and Correct Appraisals, Requested pending conditions for closing time frame, stamped and cleared file for closing

Other Professional Experience August 2008-2009

Wall Street Financial Mortgage Corporation, Fairfield, NJ August 1998 to October 2009

Senior Processor Jr. Underwriter

Fha, Conventional, Do, Du, Lp, Open files, Review clients documentation, Verification of Employment, Verification of Assets, Verification of Insurance Coverage, Order Appraisals, Order Title Work, Order VOE, Order VOD, Order updates in title binder, Order Insurance Updates, Heavy faxing, Heavy copying, Heavy phone calls, Work together with borrowers, realtors, attorneys, appraisers, Submit complete files to underwriting for approval, Clear conditions, Schedule files for closing

Education:

Chitwood & Chitwood, Chattanooga, TN

Degree: Certification in Finance for Church Organizations

Essex county College, Newark, NJ

Degree: Basic Studies

Barringer High School, Newark, NJ

Degree: High School Diploma

Contact this candidate