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
Ditech Financial, LLCMay 2016 to CurrentMortgage Loan Closer Fort Washington, PA
Maintain close communication with customers, sales partners, third-party vendors and Operations Manager to ensure proper and timely fulfillment.
Verify all underwriting and funding conditions are signed off on underwriting approval.
Reconcile 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.
Follow up with closing/escrow agent to verify consummation of loan, disbursement of funds and advise of any problems or concerns.
Meet established productivity levels and turn around times for various types of loan products(FNMA/FHLMC, FHA, VA and private investors).
Gather and prepare information for completion of closing documents including 3rd party fees, payoffs and subordinations.
Ditech Financial, LLCAugust 2012 to December 2015Mortgage Loan Processor Fort Washington, PA
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.
Bank of AmericaMay 2011 to August 2012Personal Banker Philadelphia, PA
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.
SprintOctober 2003 to March 2010Sales Supervisor Philadelphia, PA
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
Phoenix UniversityBusiness Administration-OnlinePhoenix, AZ
Technical Skills
Proficient in Microsoft Windows, Word, Excel, Encompass 360 & Other Computer Databases.
