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settlement specialist resume example with 20+ years of experience

Jessica Claire
Montgomery Street, San Francisco, CA 94105 609 Johnson Ave., 49204, Tulsa, OK
Home: (555) 432-1000 - Cell: - resumesample@example.com - -
Professional Summary
Forward Thinking, Consummate, Seasoned Professional, with excellent communication skills, able to adapt and navigate with ease through the changing environment of the mortgage industry. Able to interact with various business units to achieve positive results. Able to work through the loan process from beginning to end. Possesses 15+ years of experience in Real Estate Title, Purchase, Refinance Closings (completing HUD statements NKA Closing Disclosure Statements based on the TRID process), Loss Mitigation (including HAMP), Short Sales and Foreclosure Document review.  
Core Qualifications

Time management skills

Computer proficient




Quality Assurance

Adaptability/Flexibility

Willingness to Lean



Experience
10/2014 to Current
Settlement Specialist Real Broker Denver, CO,
  • Complete settlement of foreclosure alternatives.
  • Maintain settlement quality reviews (MSA) of 95% accuracy.
  • Maintain at least a 90% + average monthly productivity level.
  • Assist with special projects and settlement inquires.
  • Contribute to multiple new system development and system update.
  • Maintain a level of knowledge by adapting to the organization's culture of identifying trends in the mortgage industry and acquiring additional knowledge through management leadership.
03/2014 to 10/2014
Jr. Processor Caliber Home Loans, Inc. Bellevue, WA,
  • Reviewed title reports for accuracy and cleared any discrepancies and/or title defects.
  • Crossed trained to assist in other areas as needed.
  • Examined documentations such as mortgages, liens, judgments, easements, plat books, maps, contracts, and agreements in order to verify factors such as properties' legal descriptions, ownership, or restrictions.
07/2013 to 10/2013
Loan Closer D.R. Horton, Inc. Pike Road, AL,
  • Reviewed files prior to closing for accuracy, completeness, and contingencies.
  • Reviewed title binder and closing documents for accuracy.
  • Sent HUD binders to obtain appropriate insurance within 30 days of closing.
10/2010 to 07/2013
Foreclosure Specialist Southwest Stage Funding Llc, Cascade Financial Services Austin, TX,
  • Audited documents related to the foreclosure process for delinquent loan; for validity prior to review and execution.
  • Reviewed and executed foreclosure related documents from various states; verification of complaints (VTCs), affidavits of indebtedness (AOIs), assignments of mortgage (AOMs), substitution of trustee (SOTs) and various post sale deeds.
  • Foreclosure related documents were reviewed for accuracy in relation to the notice of default, title search, mortgage, note, payoff and any other relevant mortgage origination documents.
  • Performed quality control audits on documents to forward to assigned foreclosure attorney firm.
  • Communicated with attorney firms to ensure policies and procedures were properly enforced.
  • Monitored foreclosure loans and ensured foreclosure actions on delinquent loans were completed in a timely manner, according to investor/insurer, state, and regulatory guidelines, minimizing financial losses to the company.
07/2010 to 10/2010
Loss Mitigation Senior Loan Services Specialist , ,
  • Interacted directly with Real Estate Agents throughout the country concerning assigned short sale files.
  • Analyzed financial statements, tax returns, credit reports, and appraisals in order to recommend the most appropriate alternative.
  • Facilitated contract negotiations in accordance with company and investor guidelines.
  • Monitored Forbearance process; changes and payment plans to ensure compliance to agreements.
  • Provided extensive loss analysis and recommendations as related to all aspects of loss mitigation for investor owned and company owned real estate according to the goals and procedures of the department.
  • Arranged for contractual services relating to property inspections, appraisers, real estate agents, etc., that may be involved in the inspection and evaluation of the property.
  • Ensured compliance with company, investor and/or PMI guidelines in relation to all aspects of loss mitigation.
08/2008 to 07/2010
Closing Specialist , ,
  • Maintained a modification database by updating system and monitoring correspondence in a timely manner; review mod files as they become due, determine action needed on a particular file, request information desired, and perform follow-up to ensure compliance with requests.
  • Audited /reviewed loan documents within modification files to ensure the accuracy of the signed documents, escrow balance, and modification terms.
11/2001 to 08/2008
Settlement Officer Farm Credit Services Of America, Pca/Flca , ,
  • Primary responsibility was to review all HUD-1 settlement statements completed by the settlement officers on the team, prior to Lender review and approval for any errors.
  • Audit post-closing files within the three day right of recession to avoid any payoff shortages.
  • Prepared legal documents, including but not limited to the HUD-1 and documents related to refinance and purchase closings, under the supervision of a legal entity and in accordance with state specific guidelines.
04/2000 to 11/2001
Closing Coordinator , ,
  • Primary contact for attorneys, brokers, borrowers, lenders, real estate agents, federal, state, and local authorities in the closing process.
  • Responsible for verifying that all secured payoff amounts are correct and confirm that the payoffs balance to the lender's loan proceeds.
08/1998 to 03/2000
Senior Client Service Representative , ,
  • Handled an average of 50+ orders, daily, in various states.
  • Responsible for closing orders (from pre-closing through post-closing).
Education
Expected in
Bachelor of Science: Business Management
Point Park College - Pittsburgh, PA.
GPA:
Business Management
Expected in
Associate Degree: Automated Financial Management
Duff's Business Institute - Pittsburgh, PA.
GPA:
Automated Financial Management
Skills

Title clearance; research derogatory entries for validity. RealEC software; able to navigate through this system to update files. SharePoint; able to navigate through this system to access various files, spreadsheets, etc. Communications skills: able to effectively communicate any type of loan process and/or situation to achieve positive end results.

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Resume Overview

School Attended

  • Point Park College
  • Duff's Business Institute

Job Titles Held:

  • Settlement Specialist
  • Jr. Processor
  • Loan Closer
  • Foreclosure Specialist
  • Loss Mitigation Senior Loan Services Specialist
  • Closing Specialist
  • Settlement Officer
  • Closing Coordinator
  • Senior Client Service Representative

Degrees

  • Bachelor of Science
  • Associate Degree

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