Customer Service Years Experience

Sherron D Fleming

Email: abop8t@r.postjobfree.com

Address:

City: Philadelphia

State: PA

Zip: 19132

Country: USA

Phone: 215-***-****

Skill Level: Any

Salary Range:

Primary Skills/Experience:

Experienced Loan Closer with more than 10 years experience in various aspects of the Mortgage industry. Highly motivated, self-directed, deadline-oriented, reliable individual who is extremely versatile, detail-oriented and dedicated. My proven outstanding customer service qualities, mature attitude and hardworking nature has enabled me to secure positions in extremely fast paced, high performing organizations within the Mortgage industry.

Educational Background:

High School Dipolma from STRAWBERRY MANSION, Philadelphia PA 1/2001 to 6/1985 (BUSINESS)

Job History / Details:

Professional Profile

Experienced Loan Closer with more than 10 years experience in various aspects of the Mortgage industry. Highly motivated, self-directed, deadline-oriented, reliable individual who is extremely versatile, detail-oriented and dedicated. My proven outstanding customer service qualities, mature attitude and hardworking nature has enabled me to secure positions in extremely fast paced, high performing organizations within the Mortgage industry.

Qualifications

Strong verbal communication

Quick learner

Extremely organized

Computer proficient

Knowledge of 2010 GFE/HUD

Creative Problem Solving

Customer Satisfaction

Customer Service

Multi-Task Management

Attention to detail

Experience

June 2011 to Current

GMAC/Ally Bank Ft. Washington, PA

Closer/Funder

Verify underwriting and funding conditions are signed off on underwriting approval.

Review title requirements for state specific mortgage attachments and or state mortgage tax requirements.

Ensure borrower obtains adequate Homeowners insurance coverage's.

Gather and prepare information for completion of closing documents including Subordinations, 3rd party fees, payoffs.

Confirm loan information in the fulfillment system is accurate.

Verify loan terms including rate, term, price and ratios.

Cure deficiencies for tolerance violations.

Review final Hud-1 for accuracy and compliance.

Verify seller and lender credits, funds on deposit, payoff of debt.

Communicate closing issues to all parties involved.

Assisting with and resolving closing delays at the closing table.

Follow up with closing/escrow agent to verify consummation of loan, disbursement of funds and advise of any problems or concerns.

Reconcile loans that have not funded and retrieve funds from closing agent.

Meet established productivity levels and turnaround times as set by Operations team.

November 2009 to May 2011

Avenue 365 Lender Services Ft. Washington, PA

HUD Closer

Prepared HUD settlement statements for purchase money, REO and refinance transactions.

Reviewed title commitments and cleared exceptions;

Added lender credits to cure deficiencies.

Reviewed closing packages prior to sending out and made necessary changes for final lender approval.

Secured notaries for scheduled settlements and working with vendors to coordinate settlement times with borrowers.

Received signed packages from settlement agents and reviewing for completeness and accuracy.

Balanced funds from lender and disbursed funds accurately and in a timely manner.

Acted as a liaison between company, loan officers and borrowers;

Maintained compliance of company policies and procedures and performed related duties as assigned.

June 2006 to April 2008

InterBay Funding Ft. Washington, PA

Commercial Loan Closer

Prepared HUD settlement statements;

Prepared legal and compliance documents and forwarded to title companies;

Analyzed preliminary title reports, purchase contracts, appraisal reports and HUD settlement statements for accuracy;

Cleared conditions set by underwriters;

Reviewed proper documentation for clients;

Coordinated loan closings with brokers, title companies and borrowers.

Documented and funded transactions for new loan originations;

September 2003 to May 2006

InterBay Funding Fort Washington, PA

Commercial Loan Processor

Reviewed loan packages for completeness.

Obtained supporting documentation from Mortgage Brokers, customers and third party companies for the purpose of credit evaluation subsequent to processing and closing.

Prepared pipeline reports relating loan volume, rate comparisons and loan status.

Interacted with Mortgage Brokers and customers keeping all lines of communication open during processing of the loan application.

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