Customer Service Project Management

FASHIA FLOWERS

Brentwood, CA – 626-***-**** – ******.*******@*****.***

Result driven, goal oriented professional with diversified experience in training, negotiations, and project management. Highly skilled at problem identification, resolution and maintaining open communication. Proficient in business practices including compliance, gathering, and reporting. Known for effective presentation, communication and customer service skills while successfully working independently or part of a larger team.

Proven ability to excel in a fast-paced environment while setting and maintaining proper expectations with all

parties on. Organized and meticulous leader who remains current on company standards, federal and agency regulations, standards, and guidelines to ensure accuracy and compliance. Experience and extensive knowledge of new TRID guidelines and State Bond programs.

CORE COMPETENCIES

Client Relations • Cross-Collaboration • Documentation and Reporting • Accuracy and Timeliness • Complex Problem Solving • Doc Magic PowerPoint • Loan Sphere Encompass • Calyx Point Lotus Notes • MS Office • Windows • MLS • NDC Data

PROFESSIONAL EXPERIENCE

FUNDER/ POST CLOSING; Excel Realty & Mortgage – Pleasanton, CA 09/2021 – Present

•Ensured all collateral is correct prior to the wire and transfer of funds.

•Prepare and transmit commitment packages for parties to the transactions.

•Reviewed closing disclosure and requested funding documents for accuracy.

•Provide funding authorization to Title/Escrow Agents.

•Worked with Multiple lenders and worked within their required guidelines.

FUNDER/ CLOSER; Owning/ Guaranteed Rate – Remote 08/2020 – 07/2021

•Prepared closing packages using Encompass and Doc Magic system.

•Reviewed closing disclosure and requested funding documents for accuracy.

•Provide funding authorization to Title/Escrow Agents.

MORTGAGE CLOSING ANALYST/ RETAIL WHOLESALE; Fremont Bank – Livermore, CA 07/2019 – 08/2020

•Reviewed signed loan documents and signed off on documents and funding conditions.

•Completed initial audit of entire loan file and performed simultaneous document and funder check.

•Reviewed outstanding funding conditions in a timely manner to adhere to funding deadlines.

•Calculated and ensured adequate available funds and fulfilled wire processes.

LOAN FUNDER/ DOC DRAWER; East West Bank – El Monte, CA 02/2018 – 05/2019

•Reviewed loans for compliance with RESPA, RESPA tolerances, TILA and MDIA.

•Reviewed signed loan documents, HUD, loan approval and investor conditions.

•Balanced funds for wire transfers and confirmed fees, rates, points and loan information.

•Served as an intermediary for loan issues with Management.

•Effectively communicated status and expectations to internal staff, loan originators, and closing agents.

CLOSING COORDINATOR/PROCESSOR; Nationstar/Mr. Cooper – Santa Ana, CA 02/2016 – 01/2018

•Monitored lending process and identified, resolved, and communicated issues impacting timely closure of loans.

•Reviewed all third-party documentation, including credit checks, title reports, appraisals, tax returns, verification of employment/assets, etc. to identify and address potential issues.

•Reviewed and verified documentation to ensure alignment with findings, completeness, and compliance.

LOAN OFFICER; American Advisors Group – Orange, CA 09/2015 – 02/2016

•Executed loan origination process via dialer and inbound calls, ordered credit reports and requested title reports.

•Reviewed appraisals to determine value and any assess any outstanding repairs needed.

•Educated customers on the variety of loan products available based on their financial situation.

LOAN PROCESSOR; PennyMac – Moorpark, CA 10/2011 – 01/2015

•Confirmed approval with automated underwriting systems (DU/LP) and major loan origination systems, Encompass.

•Analyzed credit, income, assets and collateral documents to submit files for underwriting.

•Calculated income for qualifying status, including self employed income analysis.

•Maintained open lines of communication with borrowers and third parties to obtain loan documentation.

SHORT SALE PROCESSOR/PROJECT ANALYST; LDT Investments – Granada Hills, CA 10/2009 – 08/2011

•Generated weekly project status reports in Access and exported to Excel, creating pivot tables, charts, and ad hoc reports.

•Consulted, advised, assisted, and provided recommendations for sellers.

•Scheduled and participated in site visits in collaboration with Lenders and Appraisers.

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