Recognized throughout career for in-depth knowledge of the industry and corporate landscape to significantly increase operational regulation and efficiency, leveraging in-depth knowledge of escrow, title insurance, lending practices, regulatory and corporate compliance. Solid organizational, communication and financial management skills. Unique professional background includes escrow, title insurance and processing and closing. Adept at conveying complex concepts in a simple and compelling manner. Bringing years of professional experience as a Senior Escrow Officer, with extensive experience with State, Federal and Industry regulatory compliance, transaction management and administrative support. CORE COMPETENCIES Extensive experience interpreting and completing transactions, including residential, commercial, refinance, builder, investor, short sales, seller carry-back and cash. Having worked for years with industry partners to meet closing and funding conditions. Daily contact with Processors, Closers, Funders and Buyers for closing conditions. Proficient in contract interpretation, loan document interpretation, HUD-1 Settlement Statements, transfer documents, FHA, VA and Conventional financing. Complete understanding of lending terminology, document identification, credit reports, appraisals, tax returns, bank statements and W-2s. Experienced in Federal and State regulatory compliance, including Department of Financial Institutions, Department of Housing and Urban Development, FIRPTA (IRS), State Banking, filed rates, fee calculation and fee interpretation. Highly skilled in file management for financial, technical, corporate and regulatory accuracy. Adept in in paperless environment, to include scanning, posting documents to website, generating and sending documents electronically. Proven ability to identify and implement improvements to streamline processes, increase efficiency and accuracy. Continuous proven ability to meet and exceed stringent deadlines. Thrives in high pressure, high volume closing environment to meet or exceed closing timelines.
Senior Escrow Officer06/2012
to Current Fidelity National Title Agency – Glendale,
Directly responsible for file management from open to final disbursement, create and approve outbound wires.
Track and/or trace inbound funds for closing, Examine and clear title underwriting conditions.
Assemble documents for lender requests to include fee quotes.
Directly responsible for maitaining high volume closing desk, current client management, while prospecting for future transactions with the non-referring Agent.
Maintain regular written and/or verbal communication with Processors, Closers, Real Estate Agents, Loan Officers, Buyers and Sellers, to ensure timely, accurate closings.
Prepare HUD-1 Settlement Statements, following contract and lender's instructions to ensure consistency and accuracy.
Prepare transfer documents, direct and conduct signing of documents with Buyers and Sellers.
Direct and conduct signing of loan documents with Buyers and transfer documents with Sellers.
Assemble funding package to return to lender for funding, meet funding conditions, direct communication with funder/closer to balance for transfer of loan proceeds.
Branch Manager/Senior Escrow Officer05/2011
to 06/2012 Equity Title Agency – Scottsdale,
Executed all new business development initiatives, maintained existing client base, including attending Broker meetings, conducting and sponsoring classes for Real Estate Agents to maximize branch and company exposure.
Assumed full responsibility of branch operations to include preparation of branch annual budget, review and approve monthly profit and loss statements.
Collected and maintained sales and profit data, worked with Excel spreadsheets to generate monthly management reports, tracking current and closed inventory and branch financial status.
Hired and trained new personnel, provided ongoing training to all branch employees in escrow, title insurance and industry mandates.
Process and prepare escrow transactions from open to final disbursement.
Prepare transfer documents, Settlement Statements, direct and conduct signing of documents with Buyer and Sellers.
Examine and clear underwriting conditions to transfer clear marketable title.
Branch Manager/Senior Escrow Officer10/2008
to 05/2011 Greystone Title Agency – Glendale,
Directly responsible to open and establish new branch operation, including new business development, initial branch set-up, hiring and training personnel in escrow and title insurance policy, process and procedure.
Created and implemented new tracking system for open and closed inventory and for branch financial status.
Primarily responsible for approval of branch monthly budget, profit and loss statement.
Managed branch accounting and deposits to meet corporate and Sate Banking regulations.
Process and prepare escrow transactions from open to final disbursement, including outbound wires, prepare transfer documents, Settlement Statements, direct and conduct signing of documents with Buyer and Sellers, examine and clear underwriting conditions to transfer clear marketable title.
Branch Manager/Senior Escrow Officer/Escrow Officer10/1991
to 09/2008 First American Title Insurance – Phoenix,
Executed all new business development initiatives concurrently with maintaining existing client base.
Hired and trained new personnel.
Managed a solid client base, primarily responsible for the annual branch operating budget and conduct monthly examination for variance and current data.
Process and prepare escrow transactions from open to final disbursement.
Prepare transfer documents, Settlement Statements, direct and conduct signing of documents with Buyer and Sellers, prepare and complete final disbursement.
Loan Officer Assistant/Closer/Funder10/1991
to 12/1991 M&I Thunderbird Bank – Phoenix,
Prepare files for underwriting review, transfer dictated loan evaluations to documents for review by loan approval committee, review returned signed documents, balance file for funding, assisted in escrow disbursements for payment of taxes and insurance.
to 11/1991 North American Title Insurance Agency – Phoenix,
Held accountable for maintaining an extensive builder account, to include several subdivisions, from open to close while collaborating with the Closing Coordinator, Sales Agent and Comptroller to meet end of quarter deadlines.
Maintained a large refinance account with an average of 100 closings per month.
Assistant Escrow Officer08/1985
to 03/1987 First American Title Insurance Company – Phoenix,
Escrow Officer in training, primarily responsible for handling builder transactions from open to close, directly responsbile for the final disbursement of escrow transactions, preparing initial opening documents for Buyer and Seller.
Assistant, Special Projects06/1982
to 08/1985 Transamerica Title Insurance Co – Phoenix,
Preparation of inovices and receipt of payments for accounts receivable and accounts payable.
Directly responsible to open title orders for lenders, assisted at the Recording Desk.
High School Diploma: 1 1982Douglas High School-
Member of the Arizona Escrow Association
accounting, accounts payable, accounts receivable, balance, Banking, budget, Closing, client management, client, clients, customer service, Bilingual - English, file management, financial, funds, hiring, insurance, inventory, meetings, Excel spreadsheets, Excel, Outlook, MS Word, new business development, Oracle, personnel, Processors, profit, profit and loss, Real Estate, Recording, Sales, Spanish, taxes, verbal communication, written