Sr. Loan Processor/Closer/ Post Closer Resume

SUMMARY

Highly competent mortgage industry professional with over 13 years’ experience. Areas of emphasis are in quality control, regulatory and investor compliance, data analysis, due diligence, supervision and training. A proven ability to provide investors with a quality product that meets and exceeds expectations.
Experienced in Project Management providing analytics & articulating report data
Extensive knowledge of TRID & Closing Disclosures; working in both the primary & secondary mortgage markets
Strong written & verbal communication skills (summarize & provide analysis)
High level of competencies in origination/processing/closing/post closing/audit/investor relations (loan funding)
Supervised, interviewed & trained employees
Strong knowledge of FNMA/FHLMC, FHA, VA
Proficient in MS word, Excel, Power Point, LOS

PROFESSIONAL EXPERIENCE

Sr. Loan Processor/Closer/ Post Closer

Confidential

Responsibilities:

Work cross functionally on loans processing, underwriting, closing, post closing and funding issues
Prepare and reviewed pipeline reports for loans at various stages of the loan process
Processed, underwrote, closed and post closed loans
Reviewed and cured investor suspend items to complete loan funding
Trained new and seasoned employees in various departments on processes
Assisted in project management during TRID transition & transition to paperless
Worked with 3 rd party vendors to ensure regulatory compliance
Developed procedures to ensure loan compliance with annual audits
Reviewed closing disclosures for accuracy and compliance
Reviewed title work on loans
Worked with IT to develop technology to help streamline the loan process

Regulatory Controls Compliance Auditor

Confidential

Responsibilities:

Analyzing information regarding a borrower's income, assets & debts
Review loans within 30 days of funding to ensure that they are within compliance
Submit corrections to settlement agents as required for loans within 30 days to any cure RESPA violations
Validate Auditors loans to ensure accuracy of findings
Compile audit findings from the audit team into one report to forward to Fulfillment Executives and Sr. Compliance Managers
Assurance of compliant operational activity in terms of state - specific regulations including but not limited to pricing, settlement fees and loan program guidelines
Responsible for training auditors on new processes/coaching on audit reviews

Sr. Mortgage Repurchase Coordinator/Sr. Auditor

Confidential

Responsibilities:

Researched, addressed, and negotiated claims concerning a breach of representation and warranties of the Bank's residential mortgage contracts for all counter parties
Handled proper communication and compliance with the regulatory requirements for company accounting, controls, and procedures across multiple groups
Utilized forensic underwriting/determine appropriate response to requests
Managed the decision and risk analysis of loan documentation, files or on-line transactions through review of individual or aggregate transactions and by acting as a consultant/technical resource on the difficult, most complex transactions
Provided work direction and training to staff including coaching analysts on underwriting decision, departmental operational procedures and policies
Inspected appraisal field reports for valuation issues