Angela Manhal
Ellisville,MO
Summary
Accomplished Post Closing Specialist, Shipping Manager, and Customer Service Representative with 20 years of experience in the Mortgage and Financial Industries, leading teams to surpass $1B in annual loan fundings.
Overview
22
22
years of professional experience
Work History
Shipping Manager/Post Closing Specialist
The Home Loan Expert, LLC
10.2015 - 05.2023
- Processed over $1 Million in daily wire transfers for loan fundings, and assisted all warehouse banks with daily inquiries
- Attended weekly management meetings to discuss company updates and provide feedback to enhance internal processes for efficiency
- Provided alternative solutions for loan deficiencies and obtained exceptions from investors
- Assisted title companies in providing funding authorizations during loan closings
- Ensured all closed loans were audited and submitted to investors prior to lock expirations and within 24 hours of funding
- Consistently provided investors with pre-purchase and post-purchase loan conditions before incurring roll fees or repurchase demands
- Collaborated with loan originators, processors, underwriters, closers, and compliance team to ensure loan packages were closed and delivered to investors with the utmost accuracy
- Trained all Post Closing staff additions and created company procedures for all departmental job functions
- Attended all training sessions for new investor additions and established close relationships with all client managers
- Delegated daily priorities to team members to ensure most efficient and accurate pipeline management
- Handled all requests from accounting for tax bills, first payments, refund checks, and additional wire requirements
- Provided all trailing documents to each investor within allotted timeframe
- Provided Quality Control audit conditions to external vendors and internal compliance team
- Completed daily MERS registrations and TOS/TOB transfers to investors
- Shipped collateral files to warehouse banks within 24 hours of loan closings
- Prepared case binders and insured loans with HUD and VA
- Delivered loans for HMDA and State Audit reviews
Post Closing Specialist
DAS Acquisition Company, LLC Dba USA Mortgage
10.2012 - 09.2015
- Communicated daily with investors and clients to induce timely loan approvals for purchase
- Met with Senior Management to review the status of the warehouse reports and explore the most favorable options to mitigate escalated and aged loans
- Addressed client needs after loan closings and collaborated with loan officers to ensure customer satisfaction
- Coordinated with contractors and HUD consultants to cure loan deficiencies on 203k Renovation loans
- Managed a large pipeline of loan files and obtained purchase advices with maximum incentives
- Ensured quality of documentation and determined eligibility for sale on the secondary market
CEMA Coordinatoor/Suspense Processor
CitiMortgage, Inc.
08.2002 - 10.2012
- Submitted assignment packages to closing attorneys
- Inspected CEMA loans to ensure data validity
- Performed quality review to ensure accuracy of investor and servicing data
- Analyzed high risk areas for the organization to illustrate where training focus was required
- Determined the most timely and effective resolutions for loan inaccuracies
Customer Service Representative
CitiMortgage, Inc.
08.2001 - 08.2002
- Supported potential clients in the student loan division by providing feedback and addressing concerns
- Assisted the Underwriting team in reviewing credit qualifications for clients
- Collected necessary documentation from clients to further loan reviews and approval strategies
- Analyzed credit reports to expedite loan reviews
- Completed branch-ledger reports
- Maintained comprehensive records of all client correspondence and loan progression
Skills
- Extensive knowledge of Encompass/Investor Connect LOS
- Experienced in multiple Customer Relationship Management (CRM) programs: Infusionsoft, Surefire, HubSpot, Shape
- Proficient in Microsoft Office, Adobe Acrobat Pro, and Soda PDF 360 Pro
- Accomplished customer service background, providing unlimited support and maintaining lasting client relationships
- Assembled the Post Closing department for a startup lender and implemented all departmental procedures, standards, and policies
- Analyzed HUD requirements for FHA certification, and contributed to the organization becoming an FHA-Approved lender
- Elected by upper management to supervise all specialty products (including JUMBOS, Re-Ships, 2nd liens, 203k Renovations, and HFA loans) to accelerate investor approvals and increase loan proceeds
- Promoted to Shipping Manager at The Home Loan Expert, LLC and led a team of 11 employees while the company surpassed $1B in annual loan fundings
- Influential in providing company procedural enhancements
- Routinely rated in the highest percentile by investors for loan submission turn times and deficiency deliveries
- Sold the startup lender's very 1st closed loan to the investor within 3 hours of loan funding
- Presented with the Post Closer of the Year Award at DAS Acquisition in 2015 (selected out of 33 team members by the Vice President)
- Received Citi Star Player Award in October 2008 and multiple Team Member of the Month Awards
- Exceeded departmental quality standards and surpassed inbound call quotas each quarter as a customer service representative
Timeline
Shipping Manager/Post Closing Specialist
The Home Loan Expert, LLC
10.2015 - 05.2023
Post Closing Specialist
DAS Acquisition Company, LLC Dba USA Mortgage
10.2012 - 09.2015
CEMA Coordinatoor/Suspense Processor
CitiMortgage, Inc.
08.2002 - 10.2012
Customer Service Representative
CitiMortgage, Inc.
08.2001 - 08.2002
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