Experience

Independent Associate Pre-Paid Legal Services Inc. & Identity Theft Shield

• United States
• Legal Services
• 200 - 300 Employee

• Manger

  • Aug 2008 - Present



Merchant Bank of Indiana

• Carmel Indiana

• Loan Closer

  • Sep 2019 - Apr 2021

  Prepare closing packages; communicate with brokers, processors, underwriters and title companies to ensure the closing occurs as scheduled Make sure all closing conditions have been satisfied in order to accurately fund the loan Make sure that all state and federal guidelines are met Comprehensive knowledge of conventional, and government loan programs Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages Ensure compliance with company policies, underwriting guidelines and lending-program requirements Review mortgage applications and provide risk assessment; order credit reports, preliminary title work, verify employment, debt to income ratios and payoffs Maintained checklists of required documentation and open issues affecting closings. Reviewed titles, insurance, and flood zone certifications to meet closing standards for each property. Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents. Validated and audited final signed documents in accordance with state, county and investor guidelines.



CNAC

• Financial Services
• 200 - 300 Employee

• Account Manager

  • Jan 2019 - Sep 2019

  Addressed problems with accounting, billing and service delivery to maintain and enhance client satisfaction. Liaised between account holders and various departments. Delivered exceptional customer service on collection calls and maintained calm and professional demeanor. Processed payments and applied to customer balances. Counseled debtors on payment options and arranged installment agreements. Maintained high volume of calls and met demands of busy and productive group. Monitored accounts for compliance with established payment plans and flagged non-compliances. Used probing techniques to determine debtors' reasons for delinquency. Worked in call center environment handling manual and automatically dialed outbound calls. Used skip tracing and other techniques to locate debtors.



Paramount Residential Mortgage Group Inc. (PRMG Inc.)

• United States
• Financial Services
• 700 & Above Employee

• Correspondent Compliance Specialist

  • Jul 2017 - Sep 2018

  • Review new incoming submissions for documentation completion, meeting PRMG underwriting requirements and compliance with TRID/RESPA regulations. • Identify and maintain daily contact with sources of mortgage loan production, including Processors, Loan Officers, to ensure smooth flow of loan applications and packages to and within the company. • Verifies accurate TRID compliance • Cross train within organization to ensure adequate backup is in place. • Review incoming submissions for loan set up and TRID compliance, prior to underwriting. • Provide customer service, problem resolution and training to the Sales team and Correspondent Lenders



Freedom Mortgage

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Loan Closer

  • Dec 2012 - Sep 2016

  • Review documents for accuracy prior to the purchase of the loans. • Ensure the salability and insurability of the loan. • Access business system to verify information matches information and documentation in the file. • Enter data in to company business system Lakewood from the collateral documents. Audit and review loan collateral documents for accuracy prior to the purchase of the loans. Add and remove conditions to the company business system to assure all necessary documents have been received Review the compliance documents to ensure accuracy and that they are fully executed and are within the guidelines Prior position: Loan Closer • Prepare closing packages; communicate with brokers, processors, underwriters and title companies to ensure the closing occurs as scheduled. • Make sure all closing conditions have been satisfied in order to accurately fund the loan. Make sure that all state and federal guidelines are met. • Mortgage industry professional with loan-processing experience, a comprehensive knowledge of conventional, and government loan programs. • Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from pre-approval to closing. • Computer savvy in MS Office Suite and proprietary mortgage-processing software. • Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. • Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. • Ensure compliance with company policies, underwriting guidelines and lending-program requirements. • Front-line liaison between buyer and lender; interview and educate clients, research listings, prepare legal documents, coordinate closings • Review mortgage applications and provide risk assessment; order credit reports, preliminary title work, verify employment



Aurora Bank FSB

• United States
• Banking
• 100 - 200 Employee

• Loss Mitigation Specialist

  • 2010 - 2012