Customer Service Regulatory Compliance

William Hill

Work Experience

Senior Closing Representative/Post Closer

Freedom Mortgage – Mount Laurel, NJ

July 2018 – Feb 2025

Prepared and reviewed Closing Disclosures (CDs) and loan documents in compliance with FNMA/FHLMC guidelines and TRID regulations.

Managed closing pipelines, ensuring accurate and timely processing of high-volume loan files.

Collaborated with title companies, borrowers, and internal teams to resolve conditions and coordinate closings.

Ensured compliance with underwriting, investor, and regulatory requirements.

Performed final verifications for credit and employment, cleared loan conditions, and ensured accurate disbursement of funds.

Provided subject matter expertise on closing-related escalations and inquiries.

Proficient in Encompass and other loan origination systems.

Experience with regulations such as TILA and Respa.

Regulatory compliance testing in consumer lending specifically in Mortgage servicing.

QC experience.

Advanced problem solving skills and mule-task, strong organizational skills.

Senior REO Claims/Closing Representative/Post Closing Rep

PHH Mortgage Company – Mount Laurel, NJ

January 2015 – June 2018

Review loan documents for accuracy and compliance

Follow up on title insurance

Gather missing information

Ensure loan documents follow policies and procedures

Coordinate with title companies, loan officers, and investors

Resolve post-closing issues

Oversee mortgage collateral

Handle loan boarding and servicer reporting

Maintain customer service

Stay up to date on regulatory training

Managed closing processes, including preparation of CDs and loan packages, title balancing, and wire requests.

Ensured all loans adhered to underwriting and investor guidelines.

Collaborated with claims vendors, investors, and attorneys to resolve post-liquidation claims.

Monitored aged loan pipelines, minimized losses, and prepared investor claims for submission.

Senior Foreclosure/Bankruptcy Representative

Bayview Mortgage Company – Fort Washington, PA

September 2013 – April 2016

Worked with attorneys, investors, and government agencies to manage loans in bankruptcy.

Prepared reinstatements, bids, and other loan-related documentation.

Reviewed daily reports for accuracy and exceptions.

Foreclosure/Bankruptcy Documentation Representative

Cenlar Mortgage Company – Ewing, NJ

April 2011 – August 2013

Processed bankruptcy cases and ensured compliance with timelines.

Reviewed and updated document packages to maintain accurate loan records.

Interacted with attorneys, trustees, and clients to address inquiries.

Account Manager/Credit Analyst

AAMCO Transmissions Corp – Horsham, PA

May 2008 – March 2011

Managed accounts receivable for 200+ stores, setting and monitoring credit limits.

Prepared daily cash flow reports and evaluated customer creditworthiness.

Senior Foreclosure Specialist/Bankruptcy Representative

Popular Mortgage Company – Jersey City, NJ

March 2005 – May 2008

Oversaw foreclosure cases from referral to conveyance, ensuring compliance with investor guidelines.

Prepared bids, payoff figures, and legal documents for attorneys and investors.

Education

Bachelor's in Business Management

Morgan State University – Baltimore, MD

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