Mortgage Professional

Vanessa Cannon

*** ******* **** *****, ********, SC 29210

Main: 803-***-**** Alternate: 803-***-****

Email: *********@*****.***

Objective Seeking a new career where my experience in Mortgage Banking will help me to learn and grow with a good company.

Summary A Mortgage Professional specializing in Closing, Post-Closing, Final Docs and Loan Review. Detail orientated committed to excellence, eager to demonstrate greater potential, strong sense of urgency. Ability to work well with team members and external customers to ensure production goals is obtained. Proficient in Microsoft Word, Excel, Datatrac, Mortgage Cadence, (Mercury).

Experience:

Wachovia, (10/15/2007 to present)

Proof Encoder (25 hrs)

 Prepare Teller work for processing.

 Encode teller work by keying numerical line data on each item.

 Verify that debits and credits are in balance for each transaction.

 Encode credit/debits accurately and rapidly.

NetBank, Inc. formerly RBMG, Inc. (08/04/2003 to 07/27/2007)

Closer II: 11/2006 to 07/27/2007

 Accurately prepared closing documents in accordance to FNMA, FHLMC, GNMA, VA and NetBank guidelines.

 Compared legal document information to computer system, Mortgage Cadence, for accuracy.

 Responsible for running test to insure that limits are not exceeded such as broker compensation and Section 32.

 Reviewed title, appraisal, hazard/flood insurance and other mortgage documents to guarantee loans are marketable and/or investor ready.

 Posted Broker and Title fees to computer system to complete HUD-1 statement. Made sure that all required fees were included.

 Reviewed HUD-1 statements for accuracy and resolve any discrepancies between the Broker, Title Company and/or Closing Agent.

 Audited closing conditions to ensure closing requirements are satisfied according to underwriting guidelines before funding.

 Authorized funding for loan transactions, including reserving, releasing and balancing wired funds.

 Imagined the completed signed closing packages by scanning them into Isynergy.

Investor Analyst: 05/2006 to 11/2006

 Worked on Conforming and Non-Conforming loan files to be sold to investors: CONV, FHA, VA, HELOCS, and 2nd mortgages.

 Identified the correct documents required for the investor files and put them in stacking order. Like the HUD1, Underwriting package, appraisals and other required docs.

 Verified key elements on each document for accuracy based on Netbank’s product codes and investor guidelines.

 Reviewed and made in-house corrections on documents that could be fixed in our dept.

 Set up problems on required documents in Cadence/Mercury (Computer system)

 Used Cadence/Mercury and Isynergy (imagine software) to keep track of files and to print imagined docs that were needed to put into the investor files.

 Changed the current status in Cadence on a loan after the stacking process was completed.

Final Docs Liaison: 08/2003 to 05/2006

 Obtained outstanding Recorded Mortgages, Final Title Policies, and other final docs for Correspondent, Wholesale and Meritage Mortgage Corp. loans.

 Contacted closing agents, title companies and attorneys to get updates on critical docs 4 months and older.

 Reviewed documents to make sure they are correct and meet Netbank, Inc. and Investor guidelines. Corrected docs that had mistakes.

 Used Mortgage Cadence and LXDOCS to track documents and provided monthly comments.

 Helped out in the NEW LOAN STEP UP dept whenever they needed help with adding new loans in to NetBank’s internal computer system. Add to audit each loan for accuracy against certain documents imagined on out computer system like the Note, Mortgage, and Title policy.

First Citizens Bank & Trust of South Carolina (7 years)

Research Assistant, 2001 to 2003

 Worked closely with branches to complete daily research requests from customers within a deadline and resolved account problems in a timely manor

 Charged fees to branches and customers for research requests

 Used Access to keep track of research request and charges made.

 Balanced and approved proof work for the department.

Secondary Marketing/Mortgage Assistant, 1997 to 2001

 Reviewed and setup new mortgage loans to be sold to different investors or to be kept in the mortgage Servicing Department

 Packaged loans to be insured by FHA and VA.

 Posted closing fees into the correct general ledger accounts.

 Mailed payment letters, customer surveys and payment coupons.

 Sent correspondence to attorneys and borrowers on problem files.

 Assisted the Mortgage Department Director with different duties and special projects.

 Paid department invoices and developed an Excel tracking system.

 Reconciled the departments petty cash account.

 Reported payroll to Human Resources.

 Used MS Office software to create forms, letters, memos, reports and fliers.

Education

Associates Degree in Business Office systems Technology, 1995 Midlands Technical College, Columbia, SC

References

Available upon request

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