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Team Member Customer Service

Location:
Atlanta, GA
Posted:
September 08, 2023

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Resume:

Stacie Adams

**** *********** *****

Powder Springs, GA 30127

**************@*****.***

770-***-****

Work Experience

Commercial Loan Post Closer First National Bank of PA- remote

September 2021-present

•Review loan documents and identifies/resolves shortfalls to insure alignment with the deal structure and credit approval

•Validate and audit according to the SBA guidelines, deficiencies and tracks for missing/incomplete documentation.

•Effectively communicate with SBA Underwriters, Closers, Construction, Loan Servicing, as well as the Commercial Mortgage Loan Origination and Servicing systems.

•Review the loan approval to determine borrower, collateral, guarantor and loan structure requirements

Post Close Auditor Silverton Mortgage - Atlanta, GA

July 2020 to September 2021

•Audited closed loan files for quality and compliance Resolve any issues found during audit;

•Prepared delivery package in proper order within 3 days of receiving closing packages. If conditioned, post the dates and deficiencies in a timely manner ensuring expiration dates are not missed.

•Monitored pipeline to ensure workflow is completed in a timely manner. Upon loan sale, record information in appropriate areas of los, transfer rights in MERS and post purchase advise on shared reports.

•Maintained working knowledge of secondary and investor guidelines and websites.

Post Close Auditor Angel Oak Mortgage Solutions - Atlanta, GA

December 2019 to March 2020

• Performed auditing tasks for any discrepancies within Encompass.

• Reviewed executed closing documents for accuracy.

• Reviewed all required conditions issued throughout the closing/post close milestone of the loan process.

• Communicated directly with the client and closing agent to ensure loan closed within TRID compliance guidelines.

• Determined by auditing critical documents and balancing of the Closing Disclosure for accuracy and ensure any discrepancies and corrections were made prior to closing otherwise; a rerun of the final Closing Disclosure is required.

• Effectively communicated with internal operations staff, title companies, and closing agents to obtain additional documentation to ensure a proper closing in accordance with investor's guidelines while ensuring a successful trade.

• Maintained pipeline to ensure internal auditing results are documented as well

Collateral Management Specialist Cadence Bank – Atlanta, GA

July 2019 to December 2019

• Audited loan files in FIS Bankway

• Completed critical production and Q/C reports within SLA

• Processed payment exception reports

• Monitored "in process" G/L accounts and processed clearing entries

• Supported front line associates via (email, phone, etc.)

• Researched highly complex/high priority support requests assigned within SLA

• Worked maintenance requests within SLA

Commercial Document Reviewer II Synovus - Alpharetta, GA

January 2018 to July 2019

• Reviewed loan documents to ensure documentation is approved an in compliance with regulations and company policy.

• Reviewed perfected loan documents to verify accuracy and compliance with regulations and bank policy.

• Provided customer service support primarily to internal customers; performs file research and review to provide answers to customer inquiries or directs questions to the appropriate team member or department for response.

• Maintained knowledge of current lending policies, procedures and regulation; stays abreast of variations in laws across state boundaries

• Accurately entered collateral data into collateral management system.

• Reviewed financials, loan approvals and all credit related forms to ensure loan closed in compliance to the Synovus loan policy.

• Problem solved; researched issues, handled complex customer/team member questions or issues; made timely decisions related to workflow and/or procedures.

• Remained up to date on all documentation, regulatory, and lien perfection requirements to ensure loan quality.

• Provided support to bank personnel

• Performed other related duties as assigned.

Pre-Closer/Post Closer; Wharton Firm - Atlanta, GA

January 2017 to December 2018

• Ordered title reports, HOA closing letters, payoffs, utilities

• Reviewed and edited title work prior to closing

• Received and reviewed closing instructions from lender and subsequently work closely with attorney to prepare closing documents, including HUD-1 settlement statements into SoftPro Select, and Qualia

• Reviewed signed closing documents for accuracy

• Managed all closed loan disbursements• Prepared PT-61 for recording

Commercial Document Reviewer II Freddie Mac - Atlanta, GA

April 2015 to January 2017

•Reviewed Agency Multifamily loan processing documentation for accuracy and completeness.

•Remained current on the documents required by Freddie Mac

•Reviewed files for completeness and identify critical missing information Input data (i.e. rent roll and income and expenses) into Freddie Mac loan template(s)• Performed other administrative duties, as required

•Prepare loans for Funding/Booking

Receptionist Cohen Cooper Estep Allen - Atlanta, GA

December 2014 to April 2015

• Managed front office reception area

• Acted as the first point of contact while greeting visitors, vendors and clients

• Handled and routed all incoming calls to appropriate party

• Performed administrative duties as required by attorneys

• Scheduled meetings for conference room based on attorney's request

Pre-Closer/Closer Morris Hardwick Schneider - Atlanta, GA

July 2013 to June 2014

• Ordered loan payoffs for "Transferee" in transition to relocate to GA

• Scheduled closings and performed various tasks to prepare the file for closing

• Resolved any issues which are discovered prior to closing while working closely with the clients to communicate and resolve title problems and ensured all necessary paperwork is in the file in advance of closing

•Received and reviews closing instructions from the lender and subsequently works closely with the attorney to prepare closing documents, including the HUD-1 settlement statements into Soft Pro

• Accurately balanced, disbursed checks, and Prepared PT-61 for recording deeds

Closer/Post Closer Georgia's Own Credit Union - Atlanta, GA

June 2012 to June 2013

Mortgaged Accounting Associate• Assisted Loan Originator, processor, and members as needed• Closed FNMA and PHH loans for preparation to sale to Investor• Maintained all loans for internal report and post servicing• Posted mortgage funding checks and balanced General Ledger into internal system for the Mortgage Service Department• Submitted check request for expenses incurred by Mortgage Department• Delivered FNMA closed loan files, contracts and quality review to investor within 48 after closing

MLO Sr. Closer Bank of America - Atlanta, GA

November 2010 to June 2012

• Reviewed approved loans for accuracy prior to closing

• Sent closing documents to closing agents and attorneys

• Ensured accuracy of closing documents and proceedings

• Disbursed closing funds and closed out file in system

Receptionist Hennessy Lexus - Atlanta, GA

May 2008 to January 2010

• Managed front area, greet guests, and referred customers to appropriate department

• Managed high volume telephone system routing calls through more than 100 lines to dealership staff

Closer First Magnus Financial - Marietta, GA

December 2006 to August 2007

• Reviewed file for consistency of accurate pre closing information of loan documents prior to properly inputting data to generate final closing documents

• Reviewed HUD-1 for approval prior to wiring funds for disbursement

Closer Home Capital, Inc - Atlanta, GA

August 2006 to December 2006

• Audit and Validated data for accuracy while imputing additional information to export to final document system

• Properly prepared loan documents for delivery to closing attorney

• Determined sufficient funds to close while effectively communicating with associates

• Created preliminary documents for delivery to Title Company for review of final figures

• Reviewed and approve final HUD, stack file in accordance to company policy for funding department

Closer MIT Lending - Norcross, GA

November 2004 to July 2005

• Reviewed and resolved all prior to closing conditions with broker

• Contacted closing attorney to confirm broker fees and actual date and time of closing

• Evaluated and approved insured closing protection letter and reviewed hazard insurance for sufficient coverage to proceed with closing

• Created documents for delivery to prospective closing agent and Title Company for closing

• Reviewed and approved HUD settlement prior to authorize funding

• Compiled closed loan documents delivered from closing agent to Post Closing Department for shipping

Closer National City Mortgage - Atlanta, GA

February 2004 to August 2004

• Verified that all closing conditions prior to closing were cleared by broker

• Prepared closing documents in accordance with company policies

• Reviewed settlement statements for approval and provided funds for disbursement

• Prepared closed loan file for post-closing/shipping

Senior Closer Soluna 1st Mortgage - Atlanta, GA

July 2003 to December 2003

• Audited and prepared all closing documents in accordance with state regulated guidelines• Crossed trained and supported employees into the closing department

• Ensured that all prior to close conditions were met while scheduling loans to close

• Effectively communicated with Title companies and attorneys to ensure proper closings in accordance with investor's guidelines

• Reviewed and approved HUD Settlement statements for Retail and Wholesale loans

• Provided funds for disbursement for all closed loans

• Managed closed loans for MERS registration while tracking and sending post-closing documents to their respective counties for recording

Senior Closer JP Morgan Chase - Atlanta, GA

October 1995 to May 2003

• Reviewed files for accuracy and completeness prior to input into the system

• Confirmed final pricing of loan with secondary marketing department

• Ensured that all conditions were met prior to delivering loan documents for closing as well as approved estimated HUD-1 settlements

• Reviewed files received from closing agent to ensure that loans closed properly and in compliance with instructions

• Prepared closing loan file in appropriate order for post-closing department and delivered to shipper on the day of recording



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