Mortgage & Banking Operations Specialist with 20+ Years Experience
Resume:
Paula Sampson
Jacksonville, FL 32218
Email: ***************@*******.***
Phone: 904-***-****
Summary of Qualifications
Over 20 years of progressive experience in Mortgage and Banking with a demonstrated success and working knowledge, while committed to excellence by displaying a solid work ethic. Accustomed to fast paced environments where deadlines are a priority and handling multiple tasks are the norm.
Work Experience
03/22 - 10/25 –
I have been taking cares of my sick parents. They are both deceased now. I’m ready to get back to work.
Highlight Technologies – Virginia - Loan Servicing Specialist – 03/2019 to 03/2022
I work on the PPP loans and Forgiveness for SBA. I review and requested documents from lender to send to borrower for decision. If documents were provided, I would review and input the information into the SBA Calculator. We use SBA calculator to determine if borrower would receive Full, Partial and Denial base on their loan amount.
Reviewed SBA loans and use PPP Platform Portal to work files
Reviewed loans package for required documentation
Ensured loan package meets SBA guidelines
Served as liaison between Lender and borrower
Reviewed and verified loan documents to ensure completeness of loans
Requested additional documents from Lender to send to borrower for decision
Using SBA Calculator to determine and calculate forgiveness of loan
Digital Risk – Senior Closer III / Quality / Compliance Auditor – 08/2017 to 03/2019
Reviewed loan package for required documentation
Reviewed Hud-1 Settlement and TRID
Multi-tasked between different due diligent projects while adhering to all client/lender policies and procedures, in addition to federal, state, and /or municipal laws and regulations within the due diligence process
Ensured loan package meets compliance guidelines; fixing discrepancies as necessary
Input and confirmed data required to generate closing documents
Produced documents for closing packages
Served as liaison between Lender and closing agent
Balanced figures with closing agent
Completed work within established closing deadlines Verified all loan documentation for accuracy
Experienced with TIL, FNMA 5%, High-Cost Testing, and HUD-1 Fees for NPV
Reviewed Loan Estimates and Closing Disclosures for accuracy
Reviewed and verified loan documents to ensure completeness
Assisted Compliance Analysts with Compliance test questions regarding the mortgage files
Reviewed all closing disclosures – Final HUD and TRID for accuracy with allowable fees
Caliber Home Loans – Senior Closer III – 06/2016 to 06/2017
Reviewed Loan Estimates and Closing Disclosures for accuracy
Calculated debt to income ratios, loan to value and combined loan to value ratios (based on credit reports, tax docs, and paycheck stubs)
Reviewed loan files for completeness, accuracy, analyzing credit documents, including, mortgage application, credit history, income documents, title documents, appraisals, and all applicable compliance documents
Scanned and uploaded documents in loan files to the loan origination system, and ships collateral to the corporate office within required timelines
Ensured closing documents are executed within compliance of Federal and State Regulation
Prepared closing instructions and documents validating
Networked system data input using H20 software
Reviewed FHA, VA, Conventional, Fannie Mae, Freddie Mae Investors, and Piggyback loans
Consistently recognized for outstanding loans disbursement with minimal to no error
Citi Bank – Senior Closer III – 05/2014 to 06/2016
Mentored and trained new hires and associates on FHA, VA, Conventional, Fannie Mae, Freddie Mae Investors, and Piggyback loans
Prepared closing instructions and documents validating
Prepared Bond Documents on e-housing website
98% completion rate of loans directed for closing and finalization
CoreLogic – Compliance QC /Due Diligence – 03/2012 to 03/2014
•Adhered to RESPA and TILA Compliance Requirement
•Reviewed loan for compliance related item. Such as 1003, Appraisals, TIL, Title, GFE, ROR and Compliance Ease
•Experienced with compliance testing included High Cost HOEPA, etc.
•Knowledge of Zippy, CLOSR and Mortgage Xpress
•Made decisions to identify deficiencies and fraud through a forensic and detailed review of each Mortgage loan file
•Audited random sampling of loans for adherence to state and federal regulations and provided management with information regarding quality and compliance
•Conducted required due diligence underwriting of loan files submitted from various financial institutions, while following RESPA/TIL guidelines
•Performed initial appraisal of potential borrowers by thoroughly examining their application
•Approved or declined loan files based on procedural guidelines
•Reviewed loan files for completeness, accuracy, analyzing credit documents, including, mortgage application, credit history, income documents, title documents, appraisals, and all applicable compliance documents
•Multi-tasked between different due diligent projects while adhering to all client/lender policies and procedures, in addition to federal, state, and /or municipal laws and regulations within the due diligence process
Ever bank - Senior Closer III – 01/2010 to 03/2012
Reviewed Loan Estimates and Closing Disclosures for accuracy
Reviewed and verified loan documents to ensure completeness
Networked system data input using H20 software
Scanned and uploads documents in loan files to the loan origination system, and ships collateral to the corporate office within required timelines
Prepared closing instructions and documents validating
Ensured closing documents are executed within compliance of Federal and State Regulation
Reviewed loan application packages for completeness and accuracy
JP Morgan Chase– Default Escalations Litigation Specialist – 01/2008 to 01/2010
Managed pipeline loan processing and reviewed HUD-1 Settlement Statements
Reviewed approximately 120 loans per day and resolved cases to close
Participated in document mediation to resolve loan completion
Reviewed legal applicant information in mediation for loan resolutions
Adhered to FDCPA Laws and Banking Regulations
Cleared conditions and issuing changed to the terms on previously approved loans
Education
Currently pursuing degree in Business Administration
Further information can be provided during the interviewing process
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