Carmen Cobb
Corpus Christi
Summary
Mortgage Loan Closer at American Bank N.A. with a proven track record in enhancing operational efficiency and delivering exceptional customer service. Expert in meticulous document review and client engagement, successfully reducing errors and ensuring timely loan closures. Adept at training staff and fostering strong relationships, driving satisfaction and loyalty.
Overview
21
21
years of professional experience
Work History
Mortgage Loan Closer
American Bank N.A.
11.2020 - Current
- Coordinated post-closing activities such as disbursement of funds, recording deeds, and delivering final documentation to borrowers.
- Managed a high volume of loans simultaneously, prioritizing tasks efficiently to meet deadlines consistently.
- Improved overall operational efficiency by implementing new software solutions for mortgage processing tasks.
- Provided comprehensive training to junior staff members on loan closing procedures and best practices.
- Reviewed mortgage documents for accuracy, which included title abstract and insurance forms.
- Streamlined communication between all parties involved in the mortgage process to ensure timely closures.
- Collaborated with title companies for smooth and accurate execution of closing documents.
- Reduced errors in loan documents through meticulous review and verification procedures.
- Delivered exceptional customer service, addressing client inquiries promptly and professionally.
- Prepared all paperwork for loan package and arranged final closing meeting.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Worked with underwriters to fix application problems and resolve issues.
- Checked loan documents for accuracy prior to closing.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Developed and maintained relationships with customers, lenders and other third parties.
- Monitored pipelines to track and log status of loans.
- Fielded customer complaints and provided solutions.
- Communicated closely with inter-company staff members to promote quick and effective loan workflow.
Main Operator-Client Services
American Bank N.A.
11.2008 - Current
- Operated various types of machinery, demonstrating versatility and adaptability in diverse work environments.
- Maintained a safe working environment by enforcing strict adherence to safety guidelines and protocols.
- Assisted in training new operators, sharing knowledge of best practices and promoting a culture of teamwork amongst peers.
- Provided on-the-job training to newly hired workers and team members.
- Maintained knowledge of industry policies and procedures to set up and operate equipment safely.
- Collaborated with team members to ensure seamless coordination of tasks and efficient completion of projects.
- Reduced equipment downtime by troubleshooting issues and performing timely repairs.
- Maintained clean and organized work area, setting standard for workplace tidiness and efficiency.
- Played key role in process optimization project, resulting in more efficient production line layout.
- Enhanced team morale and productivity by organizing regular team-building activities.
- Maintained organized work area by cleaning and removing hazards.
- Used problem-solving and issue-resolution skills to promptly and successfully address production problems.
Escrow Assistant
Stewart Title Company
03.2004 - 11.2008
- Developed strong relationships with clients through excellent customer service, fostering trust and loyalty.
- Assisted with the successful closing of numerous escrow transactions, ensuring all parties were informed and satisfied.
- Obtained documents such as proof of insurance and HOA statements.
- Maintained open communication with lenders, brokers and borrowers.
- Efficiently processed incoming funds from buyers and disbursed funds to sellers upon closing transactions successfully.
- Followed-up on status of releases, policies, and return of recorded documents.
- Collaborated with real estate agents to address potential challenges, effectively resolving concerns before they escalated.
- Prepared estimated closing statements for buyer and seller.
- Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
- Handling sensitive financial information securely, protecting both clients'' privacy and company reputation.
- Managed multiple high-priority tasks simultaneously while maintaining strict deadlines and attention to detail.
- Coordinated with title companies to efficiently process title orders, resulting in smoother transactions.
- Consistently updated client information in company database, keeping records accurate and up-to-date throughout the transaction process.
- Studied and clarified buyer, seller, and lender instructions to determine escrow requirements.
- Returned executed loan packages to lender for review and approval in accordance with lender instructions.
- Examined purchase and sale agreement for potential items of concern and addressed immediately.
- Improved communication between clients and agents by promptly addressing inquiries and providing status updates.
Education
Dermatology License -
Metroplex Beauty School
Mabank, Texas 01-1989
High School Diploma -
Calallen HS
Corpus Christi, TX05-1983
Skills
- Writing and verbal communication
- Customer service and support
- Detail-oriented
- Client engagement and assistance
- Pipeline Management
- Financial Document Review
- File Management
- Multitasking abilities
- Document Review
- Funding & Disbursements
- Closing Disclosure
- Draw loan documents
- Loan Closing
- Organizational skills
- Attention to Detail
- Administrative Skills
Languages
Spanish
Native or Bilingual
Interests
- Enjoy hobbies that combine physical activity with outdoor exploration
- Volunteering for community initiatives to give back to local communities and make a positive impact
- I participate in a variety of outdoor recreational activities
- Avid Reader
- Volunteering
- I like working with my hands and fixing things
- DIY and Home Improvement
- Gardening
- Mindfulness Practices
- Volunteer Work
- Creative Writing
- Knitting and Crocheting
Timeline
Mortgage Loan Closer
American Bank N.A.
11.2020 - Current
Main Operator-Client Services
American Bank N.A.
11.2008 - Current
Escrow Assistant
Stewart Title Company
03.2004 - 11.2008
Dermatology License -
Metroplex Beauty School
High School Diploma -
Calallen HS