AMY KARAHALIS-RICKER
Bradford,Ma
Summary
An energetic, results-oriented professional. Able to interact smoothly and confidently with all members of the business team to identify key issues and accomplish common goals. Administrative assistant, financial, loans and mortgage experience with a strong understanding of general economic theory as it relates to the lending and business environment. strengths in the following areas: Regulatory compliance credit, risk analysis, and analytical skills client database management solid knowledge of financial principles customer service effective verbal & written communication
Overview
21
21
years of professional experience
Work History
Closing Disclosure Specialist
Fairway Mortgage
Remote
11.2020 - 09.2023
- Maintenance and preparation of closing documents to match underwriting and compliance requirements allowed with delivery to settlement agent/title agency in timely manner
- Order closing instructions to be sent to after closing agent has obtained necessary documents closing agents and prepare initial and any subsequent Closing Disclosures according to all TRID guidelines
- Complete pre-closing Quality Control (QC) review of assigned files
- Ensure that all underwriting, QC and closing conditions are satisfied prior to loan closing and release of closing package to closing agent
- Release closing documents, including all at-closing conditions to closing agent.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
Loan Servicing/Post Closing
Salem Five Bank
Salem, Ma
11.2019 - 11.2020
- Responsible for assisting with all customer inquiries and requests through all means including internal ticketing system, contact center and retail branches to ensure prompt response and follow through; responsible for research and customer contact and implement controls to ensure duties executed accurately and as scheduled, data quality on systems of record, and compliance with bank policy and laws
- Investor guidelines and department policies and procedures
- Ensure closed loan package is monitored to ensure all trailing documents are gathered.
Administrative Assistant/Office Manager
Sam's Transportation, Inc.
Georgetown, Ma
01.2009 - 03.2017
- Managed over 30 employees - time earned/insurance benefits/medical cards/licenses
- Oversaw 25 tractor trailer units maintenance records/federal and state permits and inspections
- Managed Department of Transportation drug and alcohol program. Maintained company federal and state compliance
- Assisted with daily operations of company and administrative tasks answering homes, calendar management. General billing of services rendered
Loan Funder
Franklin American
Danvers, Ma
05.2008 - 01.2009
- Complete the data input required for funding, review data elements of the loan, and review investor requirements
- Problem solving on issues or errors found in pre-funding review. Ensures compliance with applicable federal, state and local laws and regulations. Maintains knowledge of and adheres to bank internal compliance policies and procedures
- Takes responsibility to keep up to date with changing regulations and policies.
Bank Mortgage Processor/Junior Underwriter
INDYMAC (formerly NY Mortgage Co.)
Wakefield, Ma
12.2006 - 01.2008
- Facilitated residential loan application process federally-chartered savings bank
- Evaluated consumer loan applications following industry and business unit standards
- Gathered, analyzed and interpreted all types of credit information for existing and prospective mortgage customers
- Assessed and monitored loan applications to ensure compliance with privacy laws, HMDA, and other legal requirements
- Interfaced with loan officers, attorneys, corporate personnel, as well as other lenders/brokers.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
Loan Specialist
Countrywide Mortgage Company
Wakefield, Ma
04.2003 - 12.2006
- Processed loan applications for large, national lending institutions
- Facilitated loan process from initial client file to funding, including credit review. Reviewed and monitored client database daily to assess the current status of each application, identify problem areas, and address issues
- Determined a course of action needed to complete the loan process in a timely manner.
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
Senior Processor
Conseco
Wakefield, Ma
05.2002 - 04.2003
- Performed range of mortgage application functions, including resolving problems, ordering final settlements, and verifying employment history
- Served as compliance officer
- Prepared loans for internal and external quality reviews and responded to questions or concerns regarding loan.
Education
Associate’s degree program - Business Finance
Franklin Pierce College
Rindge, NHSkills
- Word
- Excel
- Outlook
- Quickbooks
References
Supplied upon request
Timeline
Closing Disclosure Specialist
Fairway Mortgage
11.2020 - 09.2023
Loan Servicing/Post Closing
Salem Five Bank
11.2019 - 11.2020
Administrative Assistant/Office Manager
Sam's Transportation, Inc.
01.2009 - 03.2017
Loan Funder
Franklin American
05.2008 - 01.2009
Bank Mortgage Processor/Junior Underwriter
INDYMAC (formerly NY Mortgage Co.)
12.2006 - 01.2008
Loan Specialist
Countrywide Mortgage Company
04.2003 - 12.2006
Senior Processor
Conseco
05.2002 - 04.2003
Associate’s degree program - Business Finance
Franklin Pierce College