Customer Service Data Entry mortgage support

Timmy Wells

708-***-**** ***.*******@*****.***

Mortgage industry professional with over 15 years of experience in financial services, specializing in post-closing, compliance, and clearing loan deficiencies using Encompass 360.

Applications

Microsoft Office Suite

Encompass 360

Wire Xchange/Fiserv

Nuance

Skills

Post-Closing

Loan Documentation

ABA/BSA/AML/Compliance

FHA/VA/HUD/TRID

Quality Control

Operations

OFAC/Sanctions

Fannie-Mae Guidelines

Freddie-Mac Guidelines

Banking Regulations

Auditing

Clerical

Lending

Retail Banking

Data Entry

Customer Service

Work Experience

Federal Savings Bank (Chicago, IL)

VOE/Wire Specialist 2020-2023

Processed wire transfers daily for purchase and refinance transactions 24 hours before scheduled closing times

Retrieved outstanding wire transfers for cancelled or duplicate transactions

Provided fed reference/IMAD confirmations to Loan Officers daily

Verified client employment status via phone, email and fax ensuring Encompass hard-stops were completed ahead of funding authorization and disbursement of funds

Federal Savings Bank (Chicago, IL)

Post Closer 2019 to 2020

Reviewed loan documents for accuracy and gathered any missing information and documentation prior to shipping

Prepared release documents for third party vendors

Scanned final documents and shipped packages via Fed-ex

Updated Investor files so that client data remained current for the month

Assisted with training new hires on policy and procedures adhering to BSA/AML and Federal guidelines

Federal Savings Bank (Chicago, IL)

Sr. Loan Administrator 2018 to 2019

Was responsible for auditing funding documents, providing funding authorization and completing check and wire requests

Reviewed loan documents for accuracy and ensured escrow fees were calculated correctly

Booked Consumer and Commercial loans using Fiserv and Encompass applications

Mailed monthly payment letters to clients

Reviewed TRID calculations for any missed fees or bucket misplacement to ensure there were no variances or system errors

BMO Harris Bank (Chicago)

Mortgage Loan Closer (Contractor) 2017 to 2018

Coordinated and prepared closing documents for residential loan closings in accordance to bank policies, procedures and Federal and Investor guidelines

Worked with production staff, title companies and attorneys to resolve any issues related to loan closing

Managed and reviewed assigned daily pipeline and escalated any concerns to management

Coordinated, reviewed, and reported HMDA information from clients

Provided customer service to the borrower during the closing process, answering any questions regarding fees and disclosures

Followed up on any missing information or documentation.

Assisted team members when necessary to achieve productivity goals.

Wintrust Bank (Chicago)

Closer / Post-Closer (Contractor) 2016 to 2016

Coordinated and prepared closing documents for residential loan closings adhering to proper lega1 and compliance requirements

Calculated loan interest, principal payment and closing costs

Verified accuracy and consistency of specifications on documents, such as title abstract and insurance forms

Answered inquiries regarding closing requirements

Assembled documents for delivery to Title Company, Real Estate Broker, and Loan Officer for closings

Compiled closed loan forms for delivery to marketing department for sale to investors

Recorded loan information in daily log and on government reporting forms

Platinum Mortgage (Chicago)

Due Diligence Underwriter (RFL: Location Closed) 2015 to 2016

Analyzed all initial and critical closing documents including mortgage, TIL and HUD

Verified and reviewed client bank statements, hazard and flood insurance policies, PMI calculations and title commitments

Calculated and analyzed HUD and TIL APR

Reviewed funding documents and underwriter conditions for accuracy and sent corrective conditions to funders, underwriters, and processors as necessary

Stone Gate

Due Diligence Underwriter (RFL: location closed) 2013 to 2015

Corresponded with brokers post funding, to cure loan deficiencies, including credit and collateral documentation

Conducted loan closings

Analyzed documentation to ensure compliance with applicable investor guidelines including Fannie Mae, Freddie Mac, FHA, and VA

Analyzed income, credit, assets, and collateral documents in order to determine if the submitted documentation will cure the loan deficiency

PNC Bank

Quality Assurance Specialist 2012 to 2013

Verified borrower and secondary information such as alias on credit reports and bank statements with the Office of Foreign Assets Control (OFAC)

Ensured that Appraisers, Title companies and employers are in good standings with the Office of Foreign Assets Control (OFAC)

Maintained and updated daily reports, reflecting if loans passed or failed the process of researching the OFAC status of borrowers and parties of interest

Thoroughly reviewed the Note, ARM riders, interest only addendums and disclosures to make sure loans were in compliance and all required information was disclosed to the borrower

Reviewed the HUD-1 statements and TIL disclosures for section 32 violations including over and under disclosures

Compared the results of loan origination system outcome (documentation) from the old version to the new one

Bank of America (Chicago, IL)

Mortgage Auditor 2009 to 2013

Audited 15+ FHA and Conventional loan files daily

Audited refinance loan documentation ensuring all closing documents were completed accurately

Oversaw income and equity verification

Completed fraud check, appraisal audits and mortgage documentation reviews

Contacted brokers regarding follow-up on outstanding conditions to ensure items were completed

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