BRITIANY DAY
Jacksonville,FL
Summary
A seasoned Mortgage Closer with a proven track record at Mortgage Connect, I excel in leadership and underwriting, enhancing loan processing efficiency by 30%. Skilled in documentation review and problem-solving, my detail-oriented approach ensures compliance with Fair Housing regulations, driving team success and exceeding client expectations.
Overview
10
10
years of professional experience
Work History
Mortgage Closer
Mortgage Connect
08.2024 - Current
- Review Closing Instructions and prepare Closing Disclosure/ALTA
- Audit Loan Documents before closing for accuracy
- Coordinate closing with borrowers, agents and attorneys
- Confirm closings and work with clients borrowers to resolve any issues
- Pre-balance files for disbursement of funds
- Ensure compliance with federal, state, and client requirements through extreme attention-to-detail in preparation of closing documentation
SBA Post Closer
PNC Bank
12.2022 - 03.2023
- Submit, manage and maintain loan package into bank systems
- Post-closing package review
- Closing/Loan Doc Review Department post closing
- Request missing documentation for all loans prior to sale to 3rd party bank
- Submit vendor invoices to Accounting
- Engage with Attorney and Title Agents for loan post closing maintenance
- Review the Application, forms and packaging checklists in bank systems to ensure all forms are correct
- Review DocMan to ensure that all of the SBA Application/forms and supporting documents were uploaded, review date on form and request updated forms if expired (120 days)
- Perform lien/UCC searches post closing, engage attorney to verify search and perfect liens/UCCs record including follow up on UCC filings
- Maintain and update Procedures related to closing and funding SBA & USDA loans
- Train and oversee/supervise Closing Specialists & Assistants and acts as Supervisor in absence of the Department Manager
- Provide assistance with Loan Monitoring/Construction Specialist with loan disbursements and draw requests, as needed
- Audit cashier checks/keep log
- Review Loan Balances, balance to Loan Proceeds & prepare spreadsheet
Senior Mortgage Closer
Choice Mortgage
08.2020 - 05.2022
- Assemble, inspects, and prepares all critical documentation needed to complete the real estate mortgage loan process
- Collaborate with the loan processor and loan officer from origination to close and ensure the loan at closing
- Prepare, collect documentation, review and close the loan packages or loan files
- Enter data on loan closing documents in a timely manner
- Analyze individual loan files for compliance with all state and federal regulations and policies, as well as investor/mortgage lender product and program guidelines
- Assure all information is correct and signed accurately in the closing documentation, third party orders, closing packages and loan files
- Re-verify of employment, mortgage payoffs, assets and income
- Review all closing conditions are satisfied and executed according to closing instructions
- Prepare and execute the transfer of lender funds for disbursement
- Document review for approval of funding clearance
- Review and audit files and clear any post-closing compliance issues immediately for investor purchase
- Balancing of account ledgers
- Underwriting responsibilities: Running AUS (DU and LP)
- Ensure loan meets ATR rules established by Consumer Financial Protection Bureau (CFPB)
- FHA, VA, USDA, Jumbo, HDMA, Manufactured Home loans and guidelines
- Wholesale Lending and Mortgage Compliance (Regulatory and Investor)
- MERS
- TRID, RESPA, TILA, CFPB, HUD and Banking Regulations
- Experienced in Encompass and MSP
Loan Closing Analyst
Mphasis
03.2020 - 08.2020
- Prepare, review and generate closing disclosure and documents according to client specifications ensure all compliance requirements are met
- Review and approve Final HUD/Closing Disclosure; working effectively with the designated Processor to clear any issues
- Resolve closing issues, make system changes and expedite corrected documents to facilitate scheduled closings
- Accurately prepare and transmit funding information to the client to ensure loans are funded in a timely manner
- Ensure all closing needs are met within committed time frames
- Assure error free documentation prior to distribution of closing packages; Provide excellent customer service to internal and external clients
- Ensure customer service surveys maintain the rating level designated by management
- Balanced and Approved the Closing Disclosure as well as disclosed the Closing Disclosure to LENDING CLIENTS, released full closing package, ordered wires, funded loans and assisted with any post closing items needed
Loan Closing Specialist
PNC Bank
07.2016 - 02.2020
- Effectively manage final steps of closing process mitigate risk and errors in order to achieve timely and efficient closings
- Prepares and/or reviews the loan-closing documentation based on approval documentation
- Successfully identify, address, and resolve client issues and escalations
- Analyze commercial legal documentation to resolve any state specific guidelines out of order
- Maintain strict compliance with compliance regulations
- Management of personal pipeline exceeding company performance standards
- Successfully identify, address, and resolve client issues and escalations
- Provides responses and documentation to inquiries
- Completes loan set up sheets and other necessary documentation for entry into the bank's loan system
Loan Processor II
QA Digital Risk, LLC
04.2015 - 02.2016
- Provided effective communication and professional partnership to Loan Officers, Underwriters, and Mortgage Assistants
- Analyzed financial statements, production reports, tax returns, and credit documentation for accuracy and compliance for guidelines
- Performed financial assessments and determined eligibility
- Addressed and resolved customer product complaints, defusing volatile customer situations empathetically and professionally
- Answer clients' questions about the purposes and details of financial plans and strategies
- Proficient with mortgage lending software as well as Microsoft Office
Education
High School Diploma -
Frank H. Peterson High School
Jacksonville, FL06.2006
Skills
- Leadership
- Strong communication
- Fair Housing regulations
- Problem solving
- Decision making
- Data entry
- Microsoft Office
- Time management
- Account reconciliation
- Operations
- Driven
- Underwriting
- Customer Service
- Team management
- Document management
- Detail Oriented
- Documentation review
- Attentiveness
- Credit analysis
Timeline
Mortgage Closer
Mortgage Connect
08.2024 - Current
SBA Post Closer
PNC Bank
12.2022 - 03.2023
Senior Mortgage Closer
Choice Mortgage
08.2020 - 05.2022
Loan Closing Analyst
Mphasis
03.2020 - 08.2020
Loan Closing Specialist
PNC Bank
07.2016 - 02.2020
Loan Processor II
QA Digital Risk, LLC
04.2015 - 02.2016
High School Diploma -
Frank H. Peterson High School
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