* Approved lending authority up to $500k on Freddie Mac Streamline refinances (i.e. HASP, HARP) * Utilized and cited Freddie Mac and Fannie Mae credit guidelines * Accountable for clearing title issues, subordinations, credit report discrepancies, and completing files for closing * Interfaced between clients and Mortgage Loan Officers to meet Fifth Third’s service lending agreement expectations * Enrolled in underwriting mentor program working test case files to obtain FTM lending authority; allowing credit analysts to satisfy underwriting conditions

* Supported management and departmental sub-groups within the closing department by utilizing the developed knowledge from cross training * Worked with key staff members to assist in maintaining strong relationships with core business accounts * Co-member of team that effectively marketed title services to various lenders, realtors and brokers * Responsible for the development and implementation of the organizational processes/procedures to facilitate efficient work flow * Cross trained in all positions of the closing department to develop and broaden my knowledge base * Closing Specialist * Prepared Final HUD Settlement Statements while abiding by RESPA guidelines * Initiated consistent communication with all REO parties (i.e. Asset Managers, Banks, Agents, Lenders, Buyers) to ensure that appropriate procedures are followed * Oversaw the closing process to include clarification of fees, documents and procedures * Liaison between the client, realtor and buyer to ensure smooth closing transaction * Territories: Ohio

* Established understanding and experience in mortgage lending, compliance and processing * Proficient in front-end mortgage processing, income calculation and credit grading * Mastered ability to decision subprime mortgage loans, evaluate appraisals, income and credit bureaus in a high volume environment * Able to multi-task and process internal and external customers with excellent service and a knowledgeable foundation * Closing Manager * Promoted from entry level to management within six months due to high performance metrics * Supervised a team of 8 closer/back-end processors for a non-conforming mortgage division and conducting training for new hires * Ensured quality control and instituted policy and procedure for closing and funding departments * Directed daily operations utilizing critically needed skills in time management and organization

* Knowledgeable of the following programs, guidelines and Investor overlays: Conventional (Pacific Union, BB&T, Fifth Third, Chase, Ditech, Wells Fargo, US Bank), Rural Devlopment/USDA, OHFA & KHC, GE JUMBO loans * Experienced FHA DE underwriter familiar with 4000.1 handbook * Analyze income, credit, assets and collateral to ensure compliance with Investor guidelines as well as specific investor and lender overlays * Evaluate appraisals by utilizing thorough knowledge of investor requirements and restrictions * Asses condominiums for both FHA and Investor loans, including questionnaires, budgets and master policies to ensure investor and HUD requirements are met