mortgage loan closer resume example with 15+ years of experience
JessicaClaire
Montgomery Street, San Francisco, CA94105609 Johnson Ave., 49204, Tulsa, OK
Home: (555) 432-1000
Cell:
resumesample@example.com
:
Objective
Qualified and resourceful financial professional with diverse expertise in retail banking, high-level customer service, and mortgage experience.
Highlights
Compelling leadership skills.
Self-motivated professional.
Excellent time management skills.
Perform well in high-demand, fast-paced environments.
Exceptional multi-tasker.
Strong organizational skills.
Analysis of extensive amounts of data.
Polished communication skills.
Experience
Loan Closer, 10/2019 to Current D.R. Horton, Inc. – Henderson, NV,
Reviews all documents from the settlement company to ensure closing instructions are properly followed including all fees and closing cost.
Interprets lending guidelines and exercises judgment in determining if the loan is ready to close. Works with necessary individuals to remedy any issue that is discovered.
General knowledge of mortgage products and processes for both Retail and Wholesale (including Lender Paid Compensation and Borrower Paid Compensation) transactions. Prepares net funding for all loans.
Proficient understanding of RESPA, TILA, TRID, ECOA and HMDA regulations.
Handles various types of loan products(Conventional, FHA, VA, USDA & State Bond Loans-(Purchase & Refinance Transactions).
Audits files from underwriting to ensure they have required necessary documentation to prepare closing documents.
Maintained close communication with customers, sales partners, third-party vendors and Operations Manager to ensure proper and timely fulfillment.
Verified all underwriting and funding conditions are signed off on underwriting approval.
Reconciled within the fulfillment system. Verify seller and lender credits, funds on deposit, payoff of debt and ensure borrower has met minimum investment requirements (if applicable).
Extensive knowledge of current closing regulations including preparation of CD, review of title, homeowners', tax information & mortgage insurance.
Proficient understanding of RESPA, TILA, TRID, ECOA and HMDA regulations.
Followed up with closing/escrow agent to verify consummation of loan, disbursement of funds and advise of any problems or concerns.
Met monthly productivity levels (90-120 loans) and turn around times for various types of loan products(Conventional, FHA, and VA -Purchase & Refinance Transactions).
Gathered and prepared information for completion of closing documents including 3rd party fees, payoffs and subordinations.
Mortgage Loan Processor, 07/2012 to 11/2015 Community Trust Bank – West Monroe, LA,
Served as liaison for loan officers, applicants & mortgage underwriters ensuring communications remain open and loan processing deadlines are met.
Handled various loan application verification processes.
Interacted with outsourcing vendors for information and account updates relative to real estate tax processing, mortgage and hazard insurance(sufficient coverage, flood zone and correct mortgagee clause).
Knowledge of marketing programs and underwriting guidelines according to the secondary market sources(Conventional, FHA, VA & HARP).
Administer the PMI/MIP removal process to ensure that coverage is removed in accordance with applicable investor and regulatory requirements.
Validated appropriate documentation as required by processing option, DU or other automated underwriting or evaluation tools.
Proficient understanding of RESPA, TILA, TRID, ECOA and HMDA regulations.
Coordinated with buyers, sellers, title companies, attorneys, escrow agents, surveyors and real estate agents to complete loan submissions and set up closing date and time.
Personal Banker, 05/2011 to 08/2012 Midwestone Financial Group, Inc. – Cedar Falls, IA,
Established, retained and deepened relationships with branch customers and potential customers to achieve team sales goals and provide quality customer service.
Resolved complex service issues or referring to appropriate associate to guarantee customer satisfaction and retention.
Interviewed and processed consumer loan/credit line requests for customers, and obtaining referrals from loan customers.
Researched banking guidelines and statutory requirements to stay updated on new laws and applications.
Sales Supervisor, 10/2003 to 03/2010 Republic Services – Elyria, OH,
Directed and supervised employees engaged in sales, inventory-taking and reconciling cash receipts.
Ensured all methods & procedures were followed within the store.
Addressed customer inquiries and resolved complaints.
Delivered excellent customer service by greeting and assisting each customer.
Worked closely with the store manager to formulate and build the store brand.
Education
: Business Administration, Expected in to Phoenix University - Phoenix, AZ GPA:
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