Mortgage Closer Resume Sample
Earnestine Zemlak
65861 Margret Roads,
Dallas,
TX
+1 (555) 550 6590
Work Experience
Mortgage Closer
06/2016
-
PRESENT
New York, NY
- Experience with POS approval processes using LP, DO/DU and other AUS
- Proficient computer skills including Microsoft Word, Excel and Outlook
- Excellent people skills, patience, customer service and ability to work in high paced environment
- Proficient knowledge of office machines (faxes, computers, printers, adding machines and telephones)
- Home Mortgage Closing Experience
- Familiar with cost to cure when it comes to VCC (valid change circumstance)
- Level of Complexity and Scope
- Frequently sits, stands and walks
- Retirement Plan & 401k with matching
Home Mortgage Closer
12/2011
-
05/2016
San Francisco, CA
- Time away from work, paid vacations and holidays
- Review exception reports to ensure all tasks are completed
- Ensure loans close in accordance with Underwriter’s approval and NPF’s policies and procedures
- Ensures loans close in accordance with Underwriter’s approval and NPF’s policies and procedures
- Maintain customer service satisfaction level of 95% or higher
- Maintain adequate control of files to ensure compliance with all consumer protection statutes/ regulations in a defined area of responsibility
- Prepare funding advices and monitor wires/ funding’s
- Coordinates with mortgage loan officers and escrow company’s on closing disclosure approval
- Creates CIF’s for customers not in the system
Junior Mortgage Closer
10/2005
-
06/2011
Houston, TX
- Prepares and reviews closing docs for residential mortgages and to ensure disclosures are in compliance with Dodd-Frank, State, Federal, and First Bank guidelines
- Provides guidance to loan officers as it pertains to closing issues
- Handles all revision requests in a timely manner
- Checks files for federal and state compliance accuracy
- Ensure loan documents are delivered accurate and on time
- Adhere to First Bank's Service Philosophy and Standards
- Adhere to Liberty’s Service Philosophy and Standards
- Knowledge of Secondary Market guidelines and standards
- Familiarity with industry quality control standards and fraud detection methods
Education
José María Vargas University
1999 - 2004
Bachelor's Degree in Administration
Professional Skills
- Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals
- Excellent oral and written communication skills to communicate effectively with diverse groups and individuals
- Excellent organizational and data gathering skills
- Basic personal computer skills with the ability to work effectively with automated systems
- Excellent telephone skills/ etiquette
- Excellent experience working with the microsoft suite
- Exemplary customer service skills, both written and oral, with external and internal customers and vendors
How to write Mortgage Closer Resume
Mortgage Closer role is responsible for customer, credit, microsoft, reporting, retail, training, mac, auditing, security, compensation.
To write great resume for mortgage closer job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Mortgage Closer Resume
The section contact information is important in your mortgage closer resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Mortgage Closer Resume
The section work experience is an essential part of your mortgage closer resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous mortgage closer responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular mortgage closer position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Mortgage Closer resume experience can include:
- Good organizational skills and ability to manage time efficiently within deadlines
- Proven leadership skills with ability to motivate subordinates
- Prepare mortgage closing packages, per closing instructions, and send to closing attorney with funds (if applicable) prior to closing
- Ensures credit, underwriting, and property conditions of the loan approval have been satisfied prior to closing
- Reviews mortgage closing packages for other Closers prior to delivery during periods of high volume or to assist as needed
- Previous experience closing first mortgage loans (including government and conventional loans) and/or equity loans
Education on a Mortgage Closer Resume
Make sure to make education a priority on your mortgage closer resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your mortgage closer experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Mortgage Closer Resume
When listing skills on your mortgage closer resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical mortgage closer skills:
- Good verbal and written communication skills are essential; proficient at one-on-one contact in person and via telephone
- Solid knowledge of and practical experience with applicable technology tools including, but not limited to Encompass and Microsoft Office suite of products
- Works effectively and efficiently with automated systems and computers
- Interact effectively with all levels of employees throughout the Company
- Maintaining excellent, high quality working relationships with attorneys and title companies, as well as internal and external customers
- Working knowledge of TRID and experience in Closing Disclosure preparation
List of Typical Experience For a Mortgage Closer Resume
1
Experience For Mortgage Closer / Funder Rep Resume
- Obtain UW approval of final Closing Disclosure all loans prior to customer call
- Ensures all wire requests are fully completed, accurate and given to Accounting prior to their cutoff
- Monitors pipeline daily for compliance-related variance alerts and warnings, and addresses and/or clears all alerts and warnings prior to loan closing
- Promote and maintains good public relations with customers, realtors and attorneys
- Experience with high net-worth customers
- Reviews preliminary and final closing package including HUD-1 for Real Estate Settlement Procedures Act (RESPA) compliance
- Communicates with lawyers, Settlement Agents, Real Estate Brokers regarding status of mortgage package closing, what is needed, or status of items requested
2
Experience For Home Mortgage Closer Resume
- Performs final review of closing packages for accuracy of pricing, loan data and completed items; makes corrections as needed
- Authorizes release of closing packages to the closing agent
- Prepares fully executed mortgage file for post-closing to ensure efficient delivery to Secondary Marketing for investment portfolio
- Uses existing procedures to solve routine problems of a recurring nature
- Adaptable to fluctuating work-flow, especially during times of high volume
- Reviews loan pricing to ensure the loan closes at correct interest rate/points and correct cash out limitations
3
Experience For Junior Mortgage Closer Resume
- Determines type of closing mortgage documents to prepare based on loan type (e.g., VA loan, ARM)
- Confirms loan proceeds amount and initiates request for funds by preparing a CDV and forwards to Supervisor for authorization
- Verify all closing conditions are met
- Verify receipt of key documents required to issue funding control numbers (FCN)
- Review final Closing Disclosure costs and loan terms with customers
4
Experience For Retail Mortgage Closer Resume
- Ensure that all loans are delivered to post closing in a timely fashion
- Order bring downs and tax certifications
- Works under general supervision, with the ability to resolve more complex loan closing issues
- Reviews HUD-1for both the buyer and seller, ensuring all fees are reflected on the correct side and all seller concessions are accounted for
- Coordinate mortgage loan closings with closing agents, loan originators and loan processors for correspondent/wholesale lenders and retail lenders
- Prepare funding worksheet to calculate net funded wire
5
Experience For Mortgage Closer / Funder Resume
- Wire funds to closing agent or correspondent bank as needed to fund or purchase a loan
- Ensures proper compliance with TRID timelines for delivery of Closing Disclosure
- Prepares final closing package for first and/or second mortgage transactions
- Reviews closing documents/packages for complete accuracy
- Makes any phone calls to obtain title, surveys or hazard insurance missing from file
- Provides closing package to Team Leader for final review
- Confirms all closings and updates Encompass 24 hours after closing
- Comfortable working in a fast paced, deadline oriented environment
6
Experience For Mortgage Closer / Shipper Resume
- Updates primary address on CIF’s with banker on account if the address is not current
- Review each approved loan file upon receipt so closing packages can be generated for all assigned loan files in accordance with established turn-time expectations
- Maintain open communication with all interested parties in accordance with current Service Level Agreements
- Thoroughly review loan files to verify completeness of data prior to preparing closing documents. This includes final verification, as applicable, of third party vendor work such as Homeowners Insurance and title work
- Ensure approved loan file documentation meets Residential Mortgage Lending/Investor/Agency Standards
7
Experience For June rd Fair Mortgage Closer Resume
- Ensure Loan Origination System is updated to contain appropriate and accurate system input based on supporting documentation in the file
- Verifies completeness and accuracy of approved credit packages; resolves deficiencies
- Furnishes information for title binder to the closing agent and issues instructions to closing agent of documents and conditions required for closing. (e.g., property location survey, termite inspection report)
- Analyzes the title binder to determine status of title and ensures title binder reflects correct information for mortgagees, mortgagors, manner of title, and existing/proposed liens
- Evaluates title exceptions (restrictive covenants, encroachments, easements, taxes due) to determine if acceptable. If not acceptable, takes action to ensure protection of member's and Navy Federal's interests
- Analyzes property location survey to determine if there are unacceptable or uninsurable encroachments or violations
- Examines property status reports (termite, well/septic, Residential Use Permits, warranties) to ensure property's condition and acceptability and ensures other necessary documents are provided (e.g., Power of Attorney, Subordination Agreement, Escrow Agreements)
- Examines property hazard insurance, flood, wind, hail policies as applicable to confirm correct coverage, mortgagee and lien position
- Instructs lawyer or Settlement Agent to ensure that liens are paid and released in accordance with applicable Federal and State laws, compliance regulations, secondary marketing requirements and Navy Federal's policies and procedures
8
Experience For Mortgage Closer Resume
- Determines amount to be withheld from loan proceeds and prepares the request for loan disbursement by check or wire
- Requests and processes internal payoffs
- Clears any mortgage related deficiencies within specified time periods
- Follows standard course of action; generally does not vary from established policies, procedures, or guidelines
- Close conventional and government refinance mortgage products via automated and manual methods
- Reviews HUD-1 for accuracy to ensure all fees are reflected correctly in accordance with Navy Federal and all compliance standards
- Follow all re-disclosure regulations (RESPA, GFE and MDIA) when changes are made to desired loan amount
- Process documents necessary for the settlement phase of residential mortgages
9
Experience For Mortgage Closer / Funder Rep Resume
- Obtaining and reviewing all conditions necessary to close residential mortgage loans, including but not limited to, title binder, fees, closing service letter, wire instructions and hazard and flood insurance policies for accuracy and meeting investor guideline standards
- Review and approve certifications required for employee loan to assure accuracy and meeting guideline standards, termite, well, septic, structural, POA, maintenance agreement
- Accurately preparing, composing and reviewing necessary documents for all settlements on all loan and product types, including assisting internal customers with documents needed for preparing second mortgages and combined program and products to meet required guidelines
- Have thorough knowledge and background in the conventional and government mortgage closing process and ability to keep self educated in other mortgage lending guidelines and requirements used in combination with loan types
- Mortgage closing experience
- Prepares closing instructions and coordinates with title company
- Provides training and guidance for new closers
- Verify all data for accuracy
- Verify property information for accuracy
10
Experience For Home Mortgage Closer Resume
- Verify lock information for accuracy
- Review and compare last disclosed Loan Estimate (LE) to Closing Disclosure (CD) to determine if valid change of circumstance has occurred and if change of circumstance document is to be provided
- Review Closing Disclosure (CD) for accuracy
- Communicate with Loan Officer regarding CD, delivery and signature requirements, final CD notification etc
- Follow up with title company for receipt of closed loan files
- Ensure timely and independent preparation of closing document packages (in compliance with all applicable laws, regulations and corporate policies and procedures), including
- Accurately review and input loan data into closing document system
- Ensure closing documents comply with all investor and agency guidelines
- Close 50 loans per month
List of Typical Skills For a Mortgage Closer Resume
1
Skills For Mortgage Closer / Funder Rep Resume
- One year of closing/shipping experience
- Mortgage lending (closing experience required)
- Follow up on closing conditions prior to funding
- Experience using Encompass loan processing system
- Experience using Freddie Mac and Fannie Mae’s automated underwriting system
- First Mortgage Processing experience
- Experience working in the mortgage industry
2
Skills For Home Mortgage Closer Resume
- Good knowledge of mortgage lending requirements, regulations and procedures
- Credit card, mortgage, and security loan processing experience
- Recent first mortgage closing or mortgage lender experience
- Software experience utilizing Pilot
- Recent first mortgage closing experience
- Experience using Encompass Loan Origination System
- Experience working with high net-worth applicants
- Ensures that a verbal verification of employment (VVOE) is in every loan before it closes, and that the VVOE is completed no more than 10 days prior to closing
3
Skills For Junior Mortgage Closer Resume
- CD to be reviewed and sent to appropriate parties prior to closing (lenders, attorney, client, etc.)
- Strong knowledge of mortgage banking industry
- Previous experience with Title review
- Two - four years experience as a residential loan Closer (coventional and government)
- Experience in administrative and/or customer service positions
4
Skills For Retail Mortgage Closer Resume
- Assuring accuracy and timely delivery of all closing packages
- Working knowledge of industry regulations
- Review and approve HUD-1 and HUD-1A’s for closing and/or closing disclosures for closing
- Maintains current knowledge of policies and procedures as they relate to documents, funding, insuring, and post-closing requirements
- Knowledge of UNIFI Mortgage Processing/Closing system
- Proficiently close all assigned approved loan files rendering current Service Level Agreement-required closing’s per month
- Thorough understanding of TRID regulations, federal and state regulations and company closing policies and procedures
5
Skills For Mortgage Closer / Funder Resume
- Prepare closing packages for FHA & VA applications according to respective agency guidelines
- Responsible for funding mortgage loans and ensuring that funds are sent to the title company on the day of disbursement
- Ensure that all closing documents are returned 24 hours after closing
- Update clearing status of any “at closing” conditions
- After loan closing, finalize loan in a timely manner in preparation for the post closing department
- Work with loan underwriters, processors and post closing on any outstanding conditions to be cleared
- Reconciles Closing Disclosures with Closing Agents
- Interfaces with warehouse and post-closing teams to ensure quality of funding packages
- Familiarity with reading and interpreting insurance policies, title reports, appraisals and settlement statements
6
Skills For Mortgage Closer / Shipper Resume
- Knowledge of Navy Federal lending policies and procedures
- Mortgage Closing Documentation Knowledge
- Attention to detail and focus on quality while meeting productivity standards required
- Verify premium pricing, points
- Loan files for delivery to Post Closing and Branch
- Ensure funds are issued to closing agent for disbursement
- Manage and maintain necessary closing work loan
7
Skills For June rd Fair Mortgage Closer Resume
- Fannie Mae and Freddie Mac automated underwriting system
- Make contact with applicant and Title Company to schedule closing upon of receipt of the file
- Ensure Loan Origination System input is completed in accordance with policy including accurate file status and all required data fields
- Balance loan funding and prepare wire for disbursement
- Timely follow-up and correction of post-closing deficiencies
- Schedules settlement with closing agent, member, seller, and realtor
8
Skills For Mortgage Closer Resume
- Prepare accurate closing documents for loan files in accordance with investor guidelines and loan type
- Prepare & provide closing figures
- Assist with post closing deficiencies
- Run tickets to clear funding (if applicable)
- Reviews the Closing Protection Letter and wire instructions for accuracy; requests revisions if necessary
- Requests or follows up for receipt of the Funding Shield Certificate
9
Skills For Mortgage Closer / Funder Rep Resume
- Prepares initial Closing Disclosure
- Assists with Closing Hotline coverage
- Addresses and clears all post-closing and Quality Control exceptions within the timelines established by those departments
- Coordinate closings with title companies, balance for wire figures and complete accurate funding procedures
- Tracks receipt of and reviews post-closing legal documents
10
Skills For Home Mortgage Closer Resume
- Review files that are in the ‘to closer’ milestone for all pertinent documentation required
- Work in a fast paced environment with low tolerance error
- Work in a high volume and fast paced environment
- Effective oral and written communication skills, including the ability to remain calm and courteous when dealing with deadlines, peers, Supervisors, Title Companies, Attorneys and Realtors
- Excellent attention to detail and ability to work in a fast paced environment
- Customer Service 2-3 year’s experience in oral and written communication with internal and external customers
List of Typical Responsibilities For a Mortgage Closer Resume
1
Responsibilities For Mortgage Closer / Funder Rep Resume
- Draw mortgage closing documents for wet and dry state loans
- Prepare general ledger tickets to allocate all funds appropriately
- Follows standard course of action with limited discretion to vary from established policies, procedures, or guidelines
- Close conventional and government purchase transactions
- Calculate APR and issue final TIL when applicable
2
Responsibilities For Home Mortgage Closer Resume
- Read, understand and adhere to internal and governmental policies and procedures; and
- Learn and utilize all necessary computer applications
- Reviews title commitments and invoices; reconciles fees in Encompass
- Reviews hazard insurance policy for correct coverage
- Ensures that Closing Disclosures are sent before 6:00 p.m. when up against the TRID-required 3-day wait period. Calls GSM and customer to inform them that the Closing Disclosure was sent
- Prepares/reviews daily reports and monitors workflow and turn times
3
Responsibilities For Junior Mortgage Closer Resume
- Draw loan docs, fund, or ship loans
- Communicate with Processors, Brokers, Escrow Officers and Settlement Agents to keep them updated throughout the closing process and close loans in a timely manner
- Meet production and quality standards consistently
- Proficient with Microsoft Word, Excel, and Outlook systems
- Verifies proper fess were collected for appraisals, any final inspections were met
- Initiative and ability to create relationships of trust with customers, investors and Bank personnel
4
Responsibilities For Retail Mortgage Closer Resume
- Completion of settlement documents
- Appraisal, title binder, survey /plat map,
- Disclosures for expiration dates
- Conditions of approval and compliance
- Appropriate credits and all escrow information and analysis type
- Package loan for delivery to title company/attorney
- Review HUD -1 Settlement Statement for compliance
5
Responsibilities For Mortgage Closer / Funder Resume
- Familiarity with Microsoft Word and Outlook
- State required forms
- Lock loans properly
- Verify loan closed
- 222 event is a task requesting a comment as part of the loan closing -This event is used by the Lender. Use this event to provide a comment and simultaneously indicate an action is required as a result of the comment. Post-closing audit discovers a defect from closing instructions (Information) i.e. incomplete or missing document or other closing issue. Closing fails to take place (information)
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