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Lending Tree Settlement Services - Closer Resume Example

Icthyna Icudlao
XXXX XXXXX XXXXX, Jacksonville, FL 32223
XXXX XXXXX XXXXX, 32223, Jacksonville FL
Professional Summary

Seasoned Mortgage Banker with more than 16 years of experience in fast-paced mortgage environment. Excellent team player, with the ability to also work well alone. I would like to obtain a position with a company that has potential for growth, that will allow me to leverage my experience and knowledge of the mortgage servicing industry with the challenges of a new position. 

  • 65 WPM, 10-Key, Microsoft Office.
  • Fluent in Spanish.
RESPA Review Analyst Dec 2016Nov 2018 Chase Home Mortgage Jacksonville, FL
  • Responsible for RESPA/TILA reviews for mortgage documents to verify compliance review pre-funding, validates changes in circumstances, compare fees on the initial GFEs to the final HUD-1 create conditions and validate that conditions have been cured.

  • Strong analytical skills.
  • Identifies loan files that are out of compliance or incorrect working with Quality Control to resolve. 
Senior Foreclosure Analyst Jan 2009Dec 2016 Chase Home Mortgage Jacksonville, FL
  • Conducting F/C review on delinquent loans based on departmental procedures and within SLA's.

  • Review documents related to the sale of a foreclosed property. These documents include liens, inspection reports, appraisals and insurance policies.

  • If discrepancies are found in these documents, we would try to resolve them for the property owner.

  • Reviewing and responding to external audits.

  • Stay in contact with Property Preservation to ensure property was secure when vacated.

  • Conducting internal audits

  • Preparing and distributing declarations per statutory requirements where applicable.

  • Filing first legal extension requests on HUD loans to prevent interest curtailment penalties.

  • Contacting private investors for authorization to initiate F/C proceedings.
Senior Asset Recovery Specialist Aug 2008Dec 2009 Washington Mutual Jacksonville, FL
  •  Monitor other liens on property to minimize WaMu's risk of loss, including preparing and bidding at the senior sale to acquire the property as REO.

    • Perform loan servicing functions for all loans including HELOCS. 

      • Monitor daily loan tracking reports to verify no payments/payoffs have been applied to loan.

      • Track UCC filings for perfecting lien in a timely manner.

      • Provide accurate payoff and loan verification information to other departments.

      • Prepare bid for upcoming SLM sale and remain in contact with attorney to verify accuracy of bidding instructions. 
      Closer/Processor/Appraisal Operations Sep 2005Jun 2008 Lending Tree Settlement Services Jacksonville, FL
      • Regular/timely communication (e-mail/phone) with clients. lenders, vendors, and borrowers to ensure a timely, accurate, and quality closing transaction.

      • Regular/timely documentation via comments in XSP regarding order events.

      • Verify acceptability of mortgage payoffs & hazard insurance.

      • Review title requirements, vesting, and lender instructions to ensure validity of documents to perfect the necessary insured mortgage position.

      • Schedule loan closings & appraisal appointments.

      • Prepare and e-mail HUD-1 settlement statements per lender's instructions ensuring the accuracy of all lender fees, LTSS fees, payoffs, and recordation fees.

      • Accurately complete all mortgage documents and upload to the XSP system for vendor retrieval.

      • Maintain real time XSP status throughout the closing process.

      • Regular follow-up with client on their CTC pipeline to promote excellent client relations while maintaining a current ‘live' pipeline.

      • Work with team lead to resolve any documentation/ funding issues.

      • Track appraiser's performance & turn around times.
      Customer Service Representative II Nov 2003Sep 2005 Option One Mortgage Corporation Jacksonville, FL
      • Responsible for the set up, maintenance and deletions of loans on our automated system.

      • Adhering to RESPA guidelines while providing professional customer service.

      • Assisted borrowers with questions pertaining to Escrow, Payoffs, Collections, Portfolio Retention and Cashiering issues.

      • Guided borrowers through loan documents produced at funding.

      • Explained the benefits of refinancing
      Customer Service Representative II Oct 2002Nov 2003 ABN AMRO Jacksonville, FL
      • Handled Payments and set up payment plans on delinquent accounts. 

      • Ordered Payoffs and verified Pre-Payment Penalties, researched and updated Flood and Hazard insurance information.

      • Conducted research and responded to the borrower via phone, fax, email and mail.

      • Interface with other areas, as necessary, to resolve more complex inquires, ensuring appropriate responses are given to the borrower.
      Electronic Correspondence Representative Jul 2001Aug 2002 Quill Corporation Lincolnshire, IL
      • Provided customer support via all contact channels, company website, email, live chat, and telephone.

      • Provided feedback to management on any recurring website procedural or product problems Assisted customers with product selections by using catalog, website, internet and intranet.

      • Monitored competitor's websites, web services and made recommendations to implement best practices for our company site.
      QC Analyst/Lead Customer Online Customer Service Representative/Receptionist Sep 1993May 2000 Hallmark Data Systems Skokie, IL
      • Prepared audit test in New York corporate office.

      • Supervised 1-12 auditor per audit cycle.

      • Traveled from Chicago office to corporate office in New York for conferences, meetings and audit presentations.

      • Analyzed subscriber inquires on monthly QA Prepared quarterly report with audit results.

      • Managed 5 other online representatives.

      • Processed customer information on online system.

      • Confirmed necessary adjustments to customer account inquires.

      • Replied to customer inquires pertaining to over 180 trade publications.

      • Handled 20 line phone system, set CEO appointments, greeted visitors.
      Business/Communications Jan 1995 Wilbur Wright College Chicago, IL
      High School Diploma: General/Communications Jul 1992 Steinmetz College Prep Chicago, IL
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      Resume Details

      This is a real resume for a Closer in Jacksonville, Florida with experience working for such companies as Chase Home Mortgage, Washington Mutual, Lending Tree Settlement Services. This is one of the hundreds of Closer resumes available on our site for free. Use these resumes as templates to get help creating the best Closer resume.

      Previous Companies:

      • Chase Home Mortgage
      • Washington Mutual
      • Lending Tree Settlement Services

      Previous Job Positions:

      • Closer
      • Processor
      • Customer Service Representative Ii
      • QC Analyst
      • Receptionist


      • Wilbur Wright College
      • Steinmetz College Prep

      Level of Education:

      • High School Diploma

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