Experience

• 

  Regent Bank

  • Pre-Documentation Review Specialist

• 

  Regent Bank

  • United States
  • Banking
  • 100 - 200 Employee

  • Pre-Documentation Review Specialist

    • Mar 2018 - Present

    • Responsible for reviewing all Residential, Commercial, and Consumer Banking loans before the borrower has executed all documents. Must thoroughly understand all loan types.• Work to ensure speed and accuracy on servicing, quality control, and collateral management as it pertains to loan pre-documentation• Work closely with loan assistants and loan officers to work toward best-case solutions for loan closings, as it relates to loan pre-documentation• Help establish and ensure that all relevant policies, procedures, internal controls, and processes are up-to-date, meet all regulatory requirements• Ensures that loan documents are complete, accurate, and comply with state and federal laws, regulations, and bank lending policies and procedures• Must understand the bank's internal documentation processing system along with being able to interpret attorney-prepared loan documents• Escalate in a meaningful and expedient way any appropriate compliance and regulatory concerns • Help with research for various audits, such as Fair Lending, Call Code, and Loan Type reporting • Administrator for consumer loan originating system, Encompass • Main contact for the bank's ARC Hedge Program by establishing a streamlined process for preparing packages for review and approval, working closely with the participating bank, internal loan officer, loan assistants, and maintaining detailed records of all transactions• Responsible for conducting quarterly quality control audits for eligible FHLB loans

  • Loan Assistant

    • Mar 2015 - Mar 2018

    •Provide administrative assistance to loan officers as well as maintain loan files to ensure completeness and accuracy•Maintain open communication with loan officers in regard to loan status as well as addressing any issues that may arise during the loan process•Provide general loan information to clients and accepts loan documentation provided for loan officer review•Process commercial loans along with data entry promptly•Prepare loan documents including business loan agreements, promissory notes, guarantees, business authorization forms, mortgages, and assignments•Orders title work, UCC searches, credit reports, flood certificates, appraisal reports, environmental reports and any additional services that may be needed such as a certificate of good standing •Coordinate with loan officers concerning issues with title policy, UCC searches, and other credit-related reports•Research county records for filed documentation and addressing issues as needed as well as prepare and file mortgages, lien entry forms, UCC-1/EFS-1 and continuations•Communicate with borrowers, title officers, appraisers and any other interested parties to the loan transaction as needed•Coordinate with the borrower and/or insurance agent for current insurance verification and inform loan officers if there is no policy in force, has lapsed or expired•Review closing documents for proper vesting, legal descriptions, closing dates and signature before loan funding to ensure any pending items or inaccuracies have been addressed•Assist in maintaining lines of credits including advancing or transfer of funds into appropriate accounts•Maintain current and on-going construction loans ensuring the proper documentation, invoices and inspection are provided and are within the percentage of completion and are submitted for loan officer approval before any advances are made

• 

  Urban Financial of America, LLC

  • Closing Department Lead

    • Aug 2013 - Feb 2015

    • Was designated Closer for over 200 Brokers and Correspondent Lenders• Prepared and sent the final closing package to the Settlement Agent and Broker • Was responsible for checking the dates, signatures lines to make sure they match vesting perfectly with how they are listed on title; appraisal information, address and SSN’s to match perfectly in our system and throughout loan documentation• Input lender and title fees correctly • Verified hazard insurance policy is current and valid along with property taxes • Verified our HUD and title's HUD match line for line. • Requested missing loan documents, updated payoffs, credit reports, flood certification and counseling certificates from brokers and correspondent lenders• Was able to read a rate lock, input pricing percentage based on the principle limit of the loan, and re-disclose the file correctly. • Assured traditional HECMs and HECM for Purchase loans are in compliant with HUD & RESPA guidelines.• Reviewed Purchase Contracts, earnest money and services rendered• Assumed any additional duties as they arose

  • Closing Coordinator

    • Sep 2011 - Aug 2013

  • Pre-Closing Coordinator

    • Jul 2011 - Sep 2011

    • Prepared the file for the closer following a checklist of items to help identify discrepancies• Scheduled files to close by coordinating with the Broker, Title, Account Executive and Closer• Communicated with the Loan Account Managers and Closers on a daily basis• Trouble shoot any issues that may arise prior to closing• Pulled information from FHA Connections, PACER and property records

  • Submissions Analyst

    • Aug 2010 - Jul 2011

    • Prepared file for Underwriting • Communicated with Brokers, Account Executives and Loan Account Managers daily• Liaison between Correspondent Lender/Broker and Underwriter, Account Executive• Trouble shoot any issues that may arise• Pulled case number assignments through FHA Connections• Assisted in pipeline management and reporting