Mortgage Loan Closer

Professional Experience

Mortgage Loan Closer Jul 2023 – Nov 2024

Alliance Credit Union - Lubbock, TX

• Responsible for finalizing and closing mortgage loans, ensuring all documents comply with federal, state, and credit union policies. Reviewing loan files for accuracy, preparing and balancing closing documents, coordinating with title companies, and ensuring timely closings. Authorize loan funding, review signed documents, initiate wire transfers, and resolve any post-closing conditions. Lead Mortgage Loan Closer/Funder/Post-Closter Jan 2018 – Jun 2023 Peoples Bank Mortgage - North Charleston, SC

• Oversee the closing, funding, and post-closing processes for mortgage loans, ensuring all documentation and procedures comply with regulatory guidelines and company policies. Review loan files for accuracy, prepare and balance closing documents, and coordinate with title companies to ensure timely and successful closings. Responsible for authorizing loan funding, managing wire transfers, and ensuring all post- closing tasks are completed, including shipping loans to investors, clearing post-closing conditions, and submitting required documentation for investor review. Supervise and mentor junior closers. Loan Closer May 2016 – Dec 2017

Polunsky Beitel Green LLP - San Antonio, TX

• Responsible for managing the final stages of the mortgage loan process, ensuring that all closing documentation is prepared accurately and in compliance with company policies, federal and state regulations, and client requirements. Review loan files for completeness, coordinate with title companies and other parties to facilitate smooth closing, and ensure all closing documents are executed properly. Authorize loan funding, review signed documents, and resolve any post-closing issues. Senior Mortgage Loan Closer Jan 2015 – May 2016

Randolph Brooks Federal Credit Union - San Antonio, TX

• Oversee the closing process of mortgage loans, ensuring compliance with regulatory requirements, internal policies, and credit union standards. Reviewing and preparing accurate closing documents, balancing closing disclosures, and coordinating with title companies, attorneys, and other parties to ensure timely and smooth closings. Manage loan funding, review signed documents, authorize wire R/B

Rebecca Barrera

Loan Professional & Mortgage Loan

Closer

Phone: 806-***-****

Email:

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

Lubbock, TX 79423

OBJECTIVE

Motivated Loan Professional with

extensive experience in loan

origination, processing, and closing,

seeking to leverage strong attention

to detail and customer service skills to

drive successful loan outcomes. Eager

to contribute to a dynamic team and

help clients achieve their

homeownership goals with efficiency

and compliance.

EDUCATION

Wayland Baptist University:

B.B.A – Management/Marketing

EXPERTISE

Loan Origination & Processing

Underwriting

Client Relationship Management

Compliance

Document Review and Preparation

Closing Coordination

Communication/Negotiation

Sale & Marketing

Credit Analysis

Risk Management

Financial Analysis/GAAP

Escrow Management

Appraisal Review

Legal Review

Business Information Systems

Budget Compliance

MS Office – Outlook, Word, Excel, etc.

transfers, and resolve any post-closing conditions. Mentoring junior closers, troubleshooting complex issues, and ensuring adherence to industry regulations and company best practices. Processor Assistant/Recruiter Feb 2014 – Dec 2014

First California Mortgage Company – Folsom, CA

• Provides support to the loan processing team while assisting with recruiting new talent for the organization. Gather and review borrower documentation, ensure all files are complete and accurate, and help prepare loan packages for underwriting. Responsible for sourcing, interviewing, and onboarding qualified candidates for open positions within the mortgage department.

Loan Closer Aug 2013 – Jan 2014

Castle & Cooke Mortgage LLC – San Antonio, TX

• Responsible for ensuring the accurate and timely closing of mortgage loans in compliance with company policies, federal, and state regulations. Review and prepare closing documents, including the Closing Disclosure and loan agreements, coordinate with title companies and other parties to facilitate the closing process, and ensure all documentation is accurate and complete. Authorize loan funding, verify that all conditions are met, and address any post-closing issues to ensure successful loan disbursement.

Loan Closing Manager Jun 2007 – Aug 2013

Siwell INC – Lubbock, TX

• Responsible for overseeing the entire loan closing process, ensuring that all mortgage loans are closed efficiently and in compliance with company policies, federal and state regulations. Manage and lead a team of loan closers, reviewing closing documentation for accuracy, and ensuring that all necessary paperwork is prepared, signed, and completed in a timely manner. Coordinate with title companies, attorneys, and other stakeholders to ensure smooth and timely closings. Resolve post-closing issues, authorize loan funding, and ensure all conditions are met. ACHIEVEMENTS

• Closed an average of 30+ residential and commercial loans per month, ensuring compliance with federal, state, and internal regulations. Streamlined the loan closing process, reducing average closing time by 20% through improved coordination with title companies and borrowers. Achieved a 100% accuracy rate in preparing and reviewing loan documents, minimizing post- closing corrections. Consistently met or exceeded all regulatory requirements, including TRID, RESPA, and TILA, with zero compliance issues or audits. Improved client satisfaction by 15% through proactive communication and a smooth, efficient closing process. Worked with multiple title companies to ensure timely and successful closings, maintaining a high level of customer service. Supervised and coordinated the closing of over 100+ loans per month, ensuring smooth processing and timely funding. Managed and mentored a team of X closers, increasing team efficiency by 25% while maintaining high-quality standards. Developed and implemented new processes that reduced the loan closing cycle time by 15%, improving overall operational efficiency. Reduced loan errors by 20% through the development of a standardized checklist and improved review procedures. Led a team with a 98% or higher on-time closing rate by ensuring all conditions were met and working closely with stakeholders.

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