MELODY MACK

adzqcb@r.postjobfree.com Aurora, CO 303-***-****

linkedin.com/in/melody-mack-99346a110/

BOOKKEEPING ACCOUNTS PAYABLE ACCOUNTS RECEIVABLE BILLING CLERK

Customer focused professional in the financial services industry with demonstrated experience empowering the financial well-being of the consumer. Adept monthly management of pipeline production of closing documents, including reconciling of HUD-1 /TRID closing disclosures and closing conditions to meet investor/bank guidelines. Proven ability to manage, organize, prioritize, and meet strict deadlines with zero deficiency. Build relationships with processors, loan originators, underwriters, title companies, law firms to ensure all purchase and refinance transactions are closed in compliance with purchase contract timeliness and/or prior to rate lock expiration. Core competencies include:

Customer Satisfaction Financial Accounting Compliance Auditing Closing (Real Estate)

Loan Closings Reporting & Analysis Problem Solving Account Reconciliation

Microsoft Outlook, Word, Excel Credit Risk Management Mortgages

PROFESSIONAL EXPERIENCE

WELLS FARGO HOME MORTGAGE, Englewood, CO 8/2010 - 3/2023

Multi State-Remote TRID Mortgage Closer

Prepare TRID closing documents for multi-state loan products. Create closing documents 7/5/3 days prior to closing date. Verify data accuracy to ensure quality document delivery with title agents. Wire funds in a timely manner, order/audit VOE, perform compliance check on TRID closing disclosure.

•Review and balance HUD-1 closing disclosure with agents prior to releasing documents. Ensure conditions and guidelines have been met, prior to funding the loan.

•Work directly with title agents, lawyers, underwriting, processing, and sales department.

•Perform loan officer tasks.

•Call clients to schedule refinance appointments and go over closing disclosure to answer any questions or concerns. Manage monthly pipeline 30-40 loans $1-$8 million dollars.

•Provide follow-up calls to title companies or law firms to confirm closing and funding took place accordingly.

•Assist coaching team with internal system updates for seamless best practices or system flow.

•Serve as Lead closer for Texas purchase builder account and refinance Texas cash out team.

ADDITIONAL RELEVANT EXPERIENCE

WELLS FARGO HOME MORTGAGE, Englewood, CO

HERA/HEOPA Auditor – Robert Half Contract

•Perform internal audit of file and collaborated with sales of detailed requirements for loans out of tolerance Truth in Lending/APR. Coached team members as HERA/HEOPA auditor on real deals or transmitted loans.

•Verified APR/Annual Percentage Rate on initial Truth in Lending disclosure was within tolerance.

•Updated system accordingly to reflect communication and state requirements.

•Manage daily pipeline report and provide internal training of system updates to operation staff.

•Communicated with sales partners, title agents and compliance department to resolve closing conflicts.

•Produced P-TIL disclosure for borrower signature for out of tolerance APR.

MELODY MACK adzqcb@r.postjobfree.com Page Two

JPMORGAN CHASE BANK, Centennial, CO

Retail Banking Mortgage Loan Closer

Verify loan closing schedules. Prepare loan closing documents for refinance or purchase transactions. Review approved mortgage loan to determine conditions to be satisfied prior to funding, such as explanation letters, HUD-1 from exit home reflecting net amount, or signed tax returns.

•Assemble documents for delivery to title companies via courier or via secured email.

•Verify closing package and documents, such as title commitment, closing protection letter, hazard insurance, tax certificate, and prior conditions are scanned into paperless system.

•Wire funds to appropriate title companies or law firms for each transaction. Post close and satisfy funding conditions. Submit collateral credit file to post closing department.

PULTE MORTGAGE, LLC, Centennial, CO

Multi-State Mortgage Closer

Generated additional revenue by confirming accuracy of system data. For example: rate lock dates, sales price, loan amounts and vesting of title.

•Prevented losses associated with unidentified encroachments, easements, and endorsements by collaborating closely with title companies. Ensured seamless loan closing process by balancing days in advance with title agents.

•Coordinating calendar appointments with clients and builders. Wiring funds and allowing cash flow with accounting department. Enhanced company reputation by answering customer queries concerning loan documentation, such as TIL, and pre-payment penalties with JD Powers defined benchmarks while managing up to 15 daily fundings.

COUNTRYWIDE HOME LOANS, Denver, CO

Sub-prime & Retail Mortgage Loan Closer

Generated closing documents for the state of Colorado’s Sub-prime and A paper market, also managed a monthly pipeline of 80-100 units.

•Reviewed HUD-1 to ensure all applicable fees were compliant with Federal Regulations and all closing and underwriting conditions were met with the title companies.

•Wired funds in a timely manner. Provided necessary follow-up calls to borrowers. title companies, post-closing department, wire department and internal staff.

WELLS FARGO HOME MORTGAGE, Denver, Colorado

Multi-State Retail Mortgage Loan Closer

Handled all aspects of closing and funding for purchase or refinance products: CONV, FHA/VA, ARM and CHAFA for clients. Prepared closing documents and managed monthly pipeline report of 60-80 loan closings. Reviewed HUD-1 and ensured all conditions were met and wired funds in a timely manner. Assisted Team Lead to maintain low deficiency report for the Colorado branch.

•Ensured professional service by handling extensive follow-up calls to loan officers and borrowers, title companies, attorneys, realtors, insurance agents and internal staff.

•Improved customer satisfaction by performing all aspects of role above established metrics, receiving monthly awards and recognition for excellent customer service.

EDUCATION

Jones Real Estate College, Denver, CO

The Hill Institute, Denville NJ

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