Escrow Specialist

• May 2023 - Present

Senior Government Insuring Analyst

• Sep 2022 - Oct 2022

***Lay off November 2022*** ***Lay off November 2022***

Government Insuring Analyst

• Feb 2022 - Jul 2022

**Sprout Mortgage Closed July 2022** • Creating and working with Encompass IT to develop FHA, VA and USDA for Sprout Mortgage in the Encompass system. • Testing required fields in Encompass to make sure the Encompass Screens are working properly. Reporting back to IT for trends or updates that are needed for testing purposes. • Gathering required documents from Encompass and submitting Case Binders to FHA, and VA. • Works closing with Underwriter, Loan Processor, Closer, Funder to obtain required signed mortgage documents for insuring. • Same Job Functions as below. Show less

Government Insuring Analyst

• Sep 2020 - Feb 2022

**First Guaranty Mortgage Closed October 2022** •Gathering required document from Encompass and arranging the images in VA, FHA and USDA Case Binder order. • Auditing the VA Case Binder images using checklist, job aids and VA lender handbook. • Preparing VA Case binder for final shipment to VA WEBLGY Portal. • Uploading VA and FHA MIC’s, and LGC’s to Encompass. • Submit Insurance Applications to Federal Regulatory agencies such as VA/FHA, using web-based applications such as WebLGY and FHA Connection and USDA. • Disbursing, processing, and refunding VA and FHA Funding Fee Payments. • Works closely with accounting to ensure funding fees are properly disbursed and refunded if needed. • Works closely with VA RLC’s, internal and external partners to address any issues that need to be resolved. • Documents errors and/or missing items in the system, send out notification to operations staff and managers to address any incorrect items on checklist and follow through to ensure updates are corrected if needed. • Responding to Notices Tech Review Deficiencies (FHA/VA/USDA). • Training New Hires on VA processes and assisting team members when needed on VA Loans. Show less

Mortgage Documentation/Disclosure Specalist

• Jul 2020 - Aug 2020

• Receive files from settlement attorney and reviews all documents ensuring that they are properly signed and notarized. • Obtain missing information and/or correct inaccuracies as needed. • Verify all monies have been received from all sources. • Ensure compliance with lender’s instructions. • Prepare and send loan packages per lender's instructions. • Balance and disburse all files including preparing deposits, cutting checks and sending outgoing wires. • Send out final title policies and original recorded documents as needed. • Work with internal and external partners to address any issues that need to be resolved. • Meet with accountant/bookkeeper to review escrow accounting reconciliations. • Research outstanding matters on the reconciliation to review with management. Show less

Inventory Specialist

• Aug 2019 - Mar 2020

**Company Downsized March 2022-COVID** • Prepared shipping and receiving tickets of incoming and outgoing parts for the shop and office. • Conducted inventory management for all the parts in the shop. • Tagged parts when received to keep track for Inventory purposes. • Responsible for updating inventory parts list with part numbers, adding new parts, removing and inputting a count for inventory. • Updated pricing for parts that are received from 3rd party vendors. • Handled all inbound calls. • Worked closely with the accounting manager and purchase order specialist. Show less

Team Lead

• Feb 2017 - Jul 2018

**Company laid off July 2018**• Managed business operations and provided the highest level of customer service while monitoring risk and compliance.• Facilitated and attended meetings with multiple levels of the organization providing detailed agendas and meetings minutes.• Specialized in various mortgage loan options to include FHA, VA, and Conventional.• Validated accuracy of closing disclosure (CD).• Provided cross training to India and other business partner areas.• Tracked and reported out on budget status.• Conducted quality and control analysis on team members, processes, and projects.• Was responsible for workflow and processes, inventory management, tracking loan analysis, various reporting, research and analyzing functions, and risk and quality control analysis.• Worked to resolve issues as needed, escalated to management as needed.• Reported production and quality results to leadership and team• Utilized multiple applications and systems to obtain and analyze data.• Wrote/updated procedures on all processes.• Conducted regular testing of the department’s database to ensure all processes were working properly.• Held regular calls and virtual conferencing with partners at multiple sites and Wells Fargo India partners.• Provided technology support and analysis for applications.• Held one on one coaching sessions with team members to discuss productivity and quality of work, as well as development plans.• Supported the process of sourcing new candidates for open positions.• Worked closely with staffing agencies to identify qualified candidates.• Coordinated the interview process and scheduling of interviews with candidate and hiring managers. Show less

Quality Assurance Analyst

• Feb 2011 - Feb 2017

• Prepared training materials to provide cross training to our Enterprise Global Solutions-India Partners Project.• Performed procedure requests which consisted of requesting procedures from open text, submitting procedures for approval.• Responsible for ensuring that procedures are submitted by certifications deadlines.• Communicated to the team on procedure certifications that are upcoming due or past due.• Approved and implemented any change controls.• Held monthly quality meetings with managers to review audit reporting and trends.• Held regular calls and virtual conferencing with partners at multiple sites and the Wells Fargo India team.• Worked closely with managers to report trends, procedure updates and implementation, coaching opportunity to team members.• Performed control reviews on payments, research of tax, insurance and escrow.• Created audit procedures, developed audit test scripts, created query to obtain loan samples, conducted pilot test audits, and reported pilot results to the business unit.• Provided cross training to other team members.• Assisted operations analysts to prepare inventory database for quality assurance audits.• Identified and suggested process improvements, procedure changes, system enhancement to improve quality of work.• Followed up with team members and/or managers to ensure any required corrections are completed accurately and timely.• Was responsible for completing compliance and desk audits Show less

Senior Loan Servicing Specialist

• Oct 1998 - Feb 2011

• Built and maintained relationships with homeowners, tax authorities and other outside vendors.• Was responsible for assigning real estate agents to new foreclosed properties while monitoring property condition during the pre-marketing phase.• Followed up with agents on broker price opinions (BPO) and appraisals.• Performed delinquent tax searches on non-escrow and escrow loans.• Notified non-escrowed homeowners and tax authorities of delinquent property taxes.• Corrected and/or adjusted tax lines and/or amounts to secure tax bills for payments.• Pulled tax reports and maintained compliance within set standards.• Solved tax sale issues and escalated to management, reported findings as needed.• Reviewed current and delinquent bills (real estate, water/sewer, liens etc) to determine if payment was required.• Verified initial data, identified issues, researched solutions, and performed a variety of procedural tasks for taxes, escrow, insurance, and cash.• Identified reasons behind and escrow shortage or overage.• Communicated with tax authorities, title companies, insurance companies, and 3rd party vendors and agents.• Communicated with internal and external customers on a daily basis.• Processed manual checks, split checks, expense checks, certified checks. • Consistently met and exceeded departmental standards for quality, productivity, and compliance.• Identified and communicated trends in a timely and effective manner.• Provided training and floor support. Show less