Customer Service Data Entry

CHRISTINA REYES

Fort Worth, TX *****

1-321-***-**** - WWW: Bold Profile

PROFESSIONAL SUMMARY

Dynamic and experienced professional with wide exposure in the process and procedures of Underwrite moderate individual consumer requests and products within company and industry guidelines. Responsible for evaluating risk, layering of risk, program guideline accuracy, collateral review and making appropriate loan decisions based on established underwriting guidelines, information and documentation provided in the loan file. Core Skills Include: /Customer Service/ UAT Analysis / Documentation, Problem Solving/Quality Assurance/Data Entry/ Loss Mitigation. SKILLS Ability to complete goals assigned by management, work well without supervision, ability to prioritize and remain focused on the essence of an issue. My background as a Production Support Manager, and my 25 years of work make me a star candidate. Before working as a Production Support Manager, I was an Acceptance Test

(UAT) Analyst / Underwriter and an Underwriter II. Possessing skills in auditing, contracts, credit analysis, financial accounting, loans, mortgage financing, notary accounting, taxes, and underwriting, I'm a strong Mortgage Banking candidate. Among my terrific skills, I possess knowledge in documentation, filing, reporting, and research. SKILLS With my excellent skills in customer service and customer support, I have proven to be a superior customer service provider. Professional in processing with strong analytical and organizational skills. Known for team collaboration, adaptability, and delivering consistent results. Adept at data management, documentation, and workflow optimization. Reliable and flexible in meeting changing needs and ensuring high standards.

SKILLS

25 Years mortgage servicing

experience

• • Notary Public / CLOSING CERTIFY

8 Internal Audit and Compliance

experience

• • HAMP knowledgeable

MSP, LPS, Tricalc, iSeries/AS400,

FiServ proficient

• • Net Oxygen System, Pulse, Point

Open Close. Max (Mortgage approval

Xpress)

• • Data Trac, Encompass 360

Champions Desktop 2, Chip, Share

Point (Assign) Hermit, SWBC, HOA

Precedent

• • TRID Training

Pinecone, Dotloop, Simplifile, Chartio,

HelloSing, Lakewood system, EDMS,

Expend

• Skilled at troubleshooting and problem

solving

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• Able to work under pressure Detailed; able to organize and streamline facts

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• Good with time; able to meet deadlines Consistently awarded for top performance

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Service oriented with a “can do”

attitude

• • Document management

• Employee training • Document review

• Data entry background • Discrepancy research and resolution

• Process control • Records management

• Reports analysis • Recordkeeping expertise

• Loan payment processing • Good communication

• Quality assurance standards

WORK HISTORY

11/2023 to 05/2024 Collateral / Processor (Contract) Fairway Independent Mortgage – Carrollton, TX

Efficiently process and prioritize collateral packages, including separating and organizing essential loan documents.

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Review closing and trailing documents for accuracy, identifying and resolving discrepancies with title companies and other parties.

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Perform accurate data entry in Encompass and other systems to track and manage collateral files.

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Prepare and ship collateral packages to warehouse banks, adhering to strict deadlines.

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• Manage and resolve collateral exceptions promptly. Communicate effectively with branch and corporate employees, title companies, and attorneys.

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• Scanning closing document, File the closing Packages.

• Supported team members in their tasks, contributing to overall team success.

• Increased productivity by effectively managing workload and prioritizing tasks. 08/2022 to 01/2023 Funding / Processor

Solera Auto Finance – Irving, TX

Auditing contract packages, reviewing documents for accuracy, and identifying any discrepancies.

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Responsible for verifications of employment, insurance, references, residence, and other required stipulations.

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• Income verification and calculations.

• Gathering and uploading missing documents from dealerships and customers. Accurately and effectively communicate with dealerships, customers, underwriters and management.

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• Taking inbound phone calls in relation to deal status.

• Supported team members in their tasks, contributing to overall team success.

• Increased productivity by effectively managing workload and prioritizing tasks. Maintained accurate records and ensured timely completion of all necessary paperwork.

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Enhanced team collaboration, sharing best practices for efficient processing techniques.

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Participated in continuous training initiatives, staying up-to-date on relevant regulations, policies, and best practices within the processing field.

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Assisted colleagues as needed, fostering a positive work environment based on teamwork and mutual supportiveness.

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Provided outstanding customer service by promptly addressing inquiries and resolving issues.

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Adhered to strict deadlines for processing applications, ensuring timely approvals and client satisfaction.

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• Received and reviewed incoming documents and materials. 08/2020 to 05/2022 Closer / CD Specialist

Fairway Independent Mortgage

Experienced and detail-oriented Corporate Closer with a strong track record of ensuring regulatory compliance and executing smooth, accurate mortgage transactions.

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Demonstrated expertise in RESPA, TRID, and company-specific guidelines, consistently upholding the integrity of the closing process.

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Skilled in managing complex loan portfolios, maintaining clear and prompt communication, and fostering productive relationships with title companies, loan officers, and internal teams.

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Adapted quickly to remote operations, leveraging strong organizational and multitasking abilities to perform under pressure.

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Proficient in closing a variety of loan types including Conventional, FHA, VA, USDA, and refinances.

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Successfully handled closings across multiple states including Florida, Ohio, Oklahoma, and Texas.

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Recognized for reliability, collaborative spirit, and dedication to client trust and operational excellence.

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03/2020 to 07/2020 Closer / Funder (Contract)

Caliber Home Loans Mortgage

• Responsible for preparing loan packages for the closing and funding process.

• Serves as liaison between Caliber and closing agent. Calculates funding amount for each loan package balances figures with closing agent, releases wire and funds loan.

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• Managed a pipeline of prospects, maintaining consistent follow-ups to ensure timely closings.

Managed competing priorities under tight deadlines while maintaining accuracy in document preparation for smooth transaction completion.

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Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.

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Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.

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Maintained high levels of customer satisfaction by addressing concerns promptly and professionally throughout the closing process.

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Delivered positive customer experiences and successful deal closures through open, constructive communications.

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Served as a reliable point of contact for both internal teams and external partners throughout deal closures ensuring efficient information flow.

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Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.

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Streamlined closing processes by implementing efficient organizational systems, improving overall productivity.

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Optimized sales funnel efficiency, ensuring steady progression of leads from initial contact to close.

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• Reviewed and validated details of loan applications and closing documentation. 06/2019 to 03/2020 Post Closing - Auditor / Quality Control Spruce Land Services – Plano, TX

Prepare and audit loan files promptly and review signed settlement Statements and the rest of the documents for accuracy.

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• Monitor quality findings and their resolution.

• Comply with the quality control testing standards.

• Recommend reasonable corrective action relative to quality control findings.

• Provide timely loan level reports of QA/QC findings.

• Verify usage of correct Mortgage and Note.

• Supervise escrow funds daily allocation to payees. Assist in the escrow process, such as opening orders, inputting closing statement information, preparing documents for closing, handling the complete disbursement and follow-up.

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• Communicate regularly with customers during the escrow process flow.

• Interpret various agreements as they relate to escrow closings. Contributed to departmental meetings by sharing insights gained from auditing experiences, fostering continuous improvement efforts among colleagues.

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Enhanced audit accuracy by meticulously reviewing loan documents and verifying compliance with industry regulations.

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Maintained accurate records of audit findings, providing valuable data to support process improvements and risk mitigation strategies.

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Provided guidance and support to new hires on audit processes, ensuring consistent application of company policies across the team.

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• Demonstrated adaptability amid changing regulatory environments by quickly adjusting auditing procedures as warranted by new guidelines or requirements. Exceeded quality assurance targets by consistently delivering thorough and accurate audit reports within established deadlines.

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Uphold strict confidentiality standards when handling sensitive client information, maintaining professional integrity at all times.

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Identified trends in common errors or inaccuracies, enabling targeted training initiatives to improve overall staff performance.

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Streamlined post-closing procedures for increased efficiency by identifying areas of improvement and implementing effective solutions.

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Developed comprehensive knowledge of federal and state regulations governing mortgage lending, ensuring all audits were conducted in accordance with applicable guidelines.

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Maintained open lines of communication with other departments involved in the loan closing process, promoting a spirit of cooperation that facilitated seamless interactions between teams.

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• Checked accuracy and completeness of all paperwork.

• Worked with warehouse banks to manage shipment of collateral documents.

• Completed post-closing quality control evaluations of originated mortgage loans.

• Managed disbursements, cut and processed checks and mailed correspondence. 03/2018 to 06/2019 Title Curative Specialist / HUD Assignment Associate Solomon Edwards – Irving, TX

Handled and processed document types that include, but not limited to Legal, Title, Inspection and other property related reports, evidence of sale, previous claims, forms, foreclosures and escrow.

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Provided exceptional customer service when interacting with clients, lenders and attorneys on various matters related to title curative services.

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Developed and maintained a professional relationship with multiple title companies to ensure accuracy of title curative documents.

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Utilized advanced problem-solving skills to resolve complex title issues quickly and accurately.

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Maintained detailed records of all curative actions taken, ensuring a clear audit trail for future reference.

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Minimized errors in title reports by meticulously proofreading documents before submission to clients or county recorders offices.

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Negotiated settlements with lien holders, ensuring timely clearance of encumbrances on property titles.

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Enhanced team efficiency by developing streamlined workflows for handling complex title issues.

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Developed strong working relationships with county recorders to facilitate efficient document retrieval and recording processes.

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02/2017 to 02/2018 Production Support Manager

Champions Mortgage – Melbourne, FL

• Deployment new program (PRE- PROCESSING) (The Wall) Helping the Loan Offices with income Calculations and have all the documents ready to send to processing, Helping to clean condition on files to helping to speed the process to close the loans on time.

Employee training and development Interact with operations partners

(processing/closing/UW) to provide the best customer service and most efficient origination practices.

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• Ensure files move through processing and closing in a timely manner.

• Establish appointments with clients.

• Meet with clients to complete necessary documents.

• Follow up with clients at all times, keeping them informed of the loan process. Daily illustration of excellent customer service skills with clients and applicants to ensure client retention.

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LANGUAGES

Spanish Native or Bilingual

EDUCATION

06/1986 High School Diploma

Ayuntamiento De Guadalajara - Guadalajara, Jalisco REFERENCES

available upon request

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