WEB121 week8

To build leadership qualities while increasing expertise and knowledge in a profession that promotes growth and development. I am a highly motivated team player who easily adapts to changing environments by interacting with staff and cliental with a proactive positive demeanor.

Industry Qualifications: Advanced customer service and computer knowledges, with knowledge, reaction and expertise.

· Experienced knowledge in the mortgage industry from origination, underwriting, processing, closing/funding, collateral, post- closing, shipping, insuring and trailing documents

· Expertise in management, administration/operations and customer service

· Motivated procedural writer for job and task efficiency

· High level manager with ten years of leadership, experienced manager of over thirty employees

· Working toward Microsoft Certifications required with Database Development

· Familiar with SQL,VBA and HTML



LPSIFICATIONS

Technical Computer Skills:

Microsoft Access, Default Tracker, Windows , Pro & XP Excel, CPI, Data Trac, Encompass, Microsoft Outlook, Powerpoint, Word, Adobe Page Maker, Adobe Acrobat, Adobe Photoshop., Mortgage Dashboard, Data track, Prime Path ,FTS, 10 key touch, LPS, FCIS type 40-45 wpm.

Work Experience

Fairway Independent Mortgage Carrollton TX Post Closing Auditor 3/2013-Present

· Responsible to audit mortgage loans for delivery to the investor for purchase or for servicing.

· To be highly organized and efficient with the knowledge of documents viewed.

· Able to be proficient with all software related to the job with a high knowledge.

· Proficient in reaching numbers of loans complete with low errors in a timely manner

Highlands Residential Mortgage Dallas, TX

Post- Closing Manager 1/2012- 8/2013

· Manage full array of post- closing processes of banked mortgage loans from the processing, closing, funding, collateral, shipping, clearing suspense’s for purchase by the investor and deliverance of final documents to the investor.

· Responsible for all performance reviews, coaching and hiring personnel in the department and assist with new hire training.

· Acquired all necessary documentation required to clear loan from the borrower, to running DU and LP, and generation of letter of explanation as needed.

· Oversee the paying of the MIP for FHA loans, VA fee for VA loans and Fees for USDA, reverse loans and insuring.

· Monitor and review all loans funded or purchased while aligning with company goals.

· Ensure loans are delivered to investors in a timely fashion.

· Oversee loan review process and ensure that loans meet investor delivery requirements.

· Manage post-closers and communication for on-going training and support.

· Identify and analyze recurring issues.

· Formulate strategies that will reduce or eliminate inefficiencies and recurring problems.

· Ensure final title policy and recording instruments are received and delivered to investors in acceptable time frames.

· Project manager for MERS ensuring quarterly reports for loans registration and transfer through MERS accordingly.

Prime Lending (Through Express Pros) Dallas,TX

Senior Compliance Auditor 8/2011-1/2012

· Audit Mortgage loans (Conventional, FHA, VA, Bond and Rural Housing).

· Specializing in audit of Initial GFE’s (Good Faith estimates) and Change of

Circumstance GFE’s and HUD ONE settlement statements.

· Document that loans are correct in line with RESPA with detail and attention to guidelines.

· Assuring all loans are in compliance

Vantium Capital, Aqura Loan Services Irving,TX        

Document Control Manager                   2/2011-7/2011

· Manage documents needed for Loans in Bankruptcy, Foreclosure, REO and Servicing, Auditing and Quality Control

· Requesting original collateral from the custodian.

· Processing bailee letters and delivering to the attorneys requests.

· Oversee departments for process management regarding foreclosure and bankruptcy.

· Assist in the boarding and deboarding process of loans for servicing.

· Organize and create procedures for efficient and accurate daily tasks for individual management.

 Benchmark Mortgage Plano, TX

Post Closing/ Funding Manager 11/ 2005-1/2011

· Manage post-closing process of banked mortgage loans, from the processing, closing, funding, collateral, shipping, clearing suspense’s for purchase by the investor, deliverance of final documents to the investor, QC audit of loans.

· MERS administrator overseeing the registering and transferring of loans through MERS.

· Responsible for all performance reviews, coaching and hiring personnel in the department and assist with new hire training.

· Oversee the paying of MIP’s, VA Funding fees and the USDA Fees as well the insurance.

· Work with quality control of files for compliance HMDA, RESPA, state and government levels.

· Lead departmental employees toward efficiency with staffing and productivity.

· Manage post closed loans.

· Worked with investors for timely purchases to resolve matters to avoid repurchase and to remain in good standing as their clients.

First Horizon Home Loans Irving, TX

Post- Closing File Processing Manager 10/2004-11/2005

· Delegated and implemented the flow of file processing to ensure that all new loans were banked within guidelines.

· Supervise the production program of “Operation Excellence” as it complied with the structure that inhibited the culture of FHHLC.

· Ensured that all collateral files were pulled from closing package and logged to make available for branches throughout the country within FHHLC for interactive and referral purposes.

· Maintain production numbers via daily, weekly and monthly reports.

· Submit closing volume reports to executive level staff on a regular basis.

Willow Bend Mortgage Plano Plano ,TX

Post Closing Coordinator 8/2003-8/2004

· Received and reviewed closed Mortgage loan packages.

· Prioritized loan packages for shipment to investors.

· Monitored collateral, ensured deliverability to correct warehouse, bank or investor.

· Responsible for clearance for investor to ensure a timely purchase of a loan.

· Prepared case binders for FHA loans and assisted in the insuring of such.

· Responsible for all MERS registration of loans (Mortgage Electronic System).

· Managed final docs from initiation to completion of transaction.

· Responsible for collecting, locating and organizing missing doc and report.

· Assisted with processing loans.

P&P Services/Pierson &Patterson L.L.P Dallas, TX

Fulfillment Services Closer/Funder 8/2002-7/2003

· Managed Correspondent Lenders.

· Set up files loans to be closed and funded.

· Ordered wires through the warehouse bank for the closing.

· Net out lender fees and escrows-prepaid interest on the wire.

· Obtained and reviewed all the documents needed from the appraisal.

· Professionally cleared to close, lock, 1003 and 1008, title commitment.

· Reviewed HUD-1 and all approval conditions before funding was allowed.

· Guided the process from title to balance wires.

Mortgage Bankers Consultants (Temp Agency) Dallas, TX Mortgage Associate 12/2001-8/2002

· Temped for job placement company, worked for major mortgage companies such as Countrywide Home loans, CTX Mortgage.

· Conducted audits of closed loans.

· Reviewed all the documents for loans to be purchased by the Investor.

· Organized by correct stacking order and shipped to the investor.

· Funding loans in the closing office for the lender.

· Ensured all conditions on loans were satisfied.

· Ordered funds on closed loans to ensure correct fees for all documents for presentation for funds release

EDUCATIONAL EXPERIENCE:

American Public University West Virginia (online)

2013-2016 Associated of Science/Database Developer

Computer Learning Center Dallas, TX

2001 Training Networking/Trouble Shooting South Shore Hospital Weymouth, MA

1996 EMT Certification Certification Program

Quincy, MA

Art Institute Fort Lauderdale, FL

1988-1990 Applied Arts- Photography

CERTIFICATIONS: 2002:

Certificate of Achievement: Champions School of Real Estate Dallas/Texas Mortgage Brokerage Certificate of Achievement.

References Available upon Request.