Auditor/Mortgsge Loan Processor
Resume:
MARY A. BALDWIN
SURFSIDE BEACH, SC 29575
*************@*****.***
ACHIVEMENTS
Designed and implemented “Settlement Statement Information Sheet” to make the process between relevant parties more efficient
Designed and initiated outside attorney letters to communicate closing information to all parties
Researched for and facilitated meetings that resulted in securing closing attorneys in North Carolina to do real estate closings for the builder
Selected to serve as a consultant on a National Auditing Team for General Electric Mortgage Securities
Positive problem solving with ability to archive diplomatic outcomes
Demonstrated individual and team effort performance toward achieving company objectives
Proven organization and management skills
Effectively communicated with management, staff, vendors and clients
Consistently learned new and improved techniques for improving operations
Assisted chief real estate paralegal with clearing “hard” cases. Tasked with the lead role in identifying and resolving complex problems in the file.
COMPETENCIES
Initiating and Maintaining contacts with Realtors, appraisers, credit bureaus, builders, and closing attorneys
Managing residential loan application kits, approval, processing, scheduling and closing procedures
Counseling prospective borrowers in the complete loan application process
Checking HUDS as they come in from the attorney for accuracy
Initiating check requests for Change Orders requested too close to closing
Preparing/Disbursing documents to appropriate individuals after closing
Negotiating, quoting and monitoring loan rates and points
Understanding and clearing underwriting conditions
Collateral auditing of real estate contracts, notes and related documents
Following up on incomplete audits
Negotiating transactions on re-pricing issues, client services, escrows
Disbursement, funding department, pool and MI companies to ensure unsurpassable customer service to all parties involved
Auditing files in institution portfolios for purchasing mortgage backed securities
Due diligence of all files received from attorneys office
Ordering insurance certificates for new buildings
Word
Excel
Win-Mort
E-Z Lender
AS 400/AS400 LS
Title Express
Edge
TRAINING AND CERTIFICATES
Field Manager Training Program
Mortgage Bankers Association of America in Mortgage Loan Underwriting
Mortgage Bankers Association of America in Fundamentals of Mortgage Law I
Certificate of Excellence-Centex Homes
Certification in FANtastic Customer Service 2005- Recertified in 2006
Code of Business Conduct-Coastal Federal Bank
Loan Documentation course-Coastal Federal Bank
EXPERIENCE
BANK OF AMERICA
F/K/A COUNTRYWIDE HOMES 3/09 TO 10/15/09
Support Services Specialist
Perform various administrative and support functions including adherence to RESPA, Internet proficient in researching various details of the mortgage loan application, supporting processing of loans all aspects including ordering title from closing attorneys, ordering of insurance; selecting and printing guidelines, Responsible for contacting HOA representatives to collect info for project approval. Interact with Business Partners such as LandSafe to track appraisal reports and resolve issues as they may arise. Supporting 3 Mortgage Loan Officers, 2 Home Specialist II, and 1 Underwriter, while maintaining a high level of customer service by being proactive in communication with the customers, closing attorneys, HOA representatives, and insurance companies.
REAL ESTATE TITLE SERVIES
Paralegal 12/08 TO 3/09
Assisted Chief Paralegal with closings; Resolved issues with problem files--these files did not have title insurance written due to open issues – resolved these issues in order to facilitate writing of the title insurance; Disbursements; Opening files; Receptionist.
LENNAR HOMES, MYRTLE BEACH DIISION 6/08 TO 12/08
Closing Coordinator
Responsible for the coordination of all real estate contracts from sale through closing. Tracking progress of all homes under construction in Division; coordinating all real estate closings between field managers, lenders, agents and attorneys.
COASTAL FEDERAL BANK, MYRTLE BEACH, SC 9/2005 TO 8/2007
Post Closing Specialist
Responsible for conducting the post review of closing loan packages; Notification of attorney of deficiencies or issues to be cleared by attorney/title company; Follow up on missing, inaccurate, and trailing documents; Maintain master log of closed loans; Sale Files; and E-Z Lender follow up system.
COASTAL FEDERAL BANK, MYRTLE BEACH, SC 9/2005 TO 8/2007
(continued)
Closing Specialist
Responsible for producing closing packages; Sending to closing attorneys Review of HUD’s, Insurance Dec pages, Title Binders, Tax info Sheets, Special Conditions set out be Underwriters--Clearing all for closing; After closing follow up on any documents needed prior to funding.
SCOTT B. UMSTEAD-ATTORNEY, MYRTLE BEACH, SC 9/2004-9/2005
Paralegal
Assisted Chief Paralegal with closings; Resolved issues with problem files--these files did not have title insurance written due to open issues – resolved these issues in order to facilitate writing of the title insurance; Disbursements; Opening files; Receptionist.
CENTEX HOMES, MYRTLE BEACH DIVISION 1998-2004
Contract Processor/Closing Coordinator
Responsible for the audit of all real estate contracts; Budget input; Tracking progress of all homes under construction in Division; Coordinating all real estate closings between field managers, lenders, agents and attorneys.
GENE C. WILKES, ATTORNEY, MYRTLE BEACH, SC 1995-1998
SC Real Estate Closing/Paralegal
CTX MORTGAGE COMPANY-PAWLEY’S ISLAND, SC-SATELLITE OFFICE OPERATIONS 1994-1995
Manager/Loan Officer
GEMSCO-GENERAL ELECTRIC MORTGAGE SECURITIES, RALEIGH, NC 1991-1994
Independent Contractor
{Performed contracting services in Raleigh, NC and Mt. Laurel, NJ}:
Auditor/Due Diligence/Quality Control in Wholesale Loan & -Forward Commitment area; Customer Service Representative-Team Concept; Backup Customer Service Representative; Audit Services (assisted in training of new audit services personnel); Telemarketing/Mortgage Counselor; Filled in other areas of the facilities as needed during the re-finance crunch.
References furnished upon request
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