Carmen Elena Couret
Lehigh Acres,FL
Summary
Detail-oriented Closing Coordinator expert in 504 closing documents, third party searches and disbursements. Career history completing multiple closings simultaneously under tight timelines. Excellent relationship-building and project management skills gained during 11+ years of related experience.
Overview
11
11
years of professional experience
Work History
504 Loan Closing Coordinator
Regional Business Assistance Corporation (RBAC)
07.2022 - 06.2023
- Responsible for reviewing approved loan files and determining due diligence and documentation required to close and fund the loan in a timely manner.
- Worked directly with the borrower, lender, attorney and team to resolve due diligence issues prior to loan closing.
- Maintained checklists of required documentation and open issues affecting closings.
- Prepared and submitted 327 actions.
- Prepared checklists and submitted appraisal and environmental reports.
- Reviewed evidence of equity injection.
- Ordered Flood Zone Determination Certificates.
- Verified tax transcripts.
- Reviewed certificates of insurance.
- Ensured loans were closed, documented and disbursed in compliance with SBA regulations.
- Post-closing responsibilities included proper booking of loan, disbursement information of all loan proceeds in accordance the SBA guidelines.
- Maintained proficiency in SBA SOP requirements.
-
504 Loan Operations Specialist
Independent Development Services Corporation (IDS)
01.2012 - 06.2022
- Set up loan files in Ventures+
- Gathered borrower documentation, prepared and reviewed loan applications for accuracy and completeness.
- Pulled and reviewed credit reports, LNRs, CAIVRS and searched SAM.gov and OFAC's Sanctions List.
- Reviewed environmental reports and underwrote checklists.
- Reviewed appraisal reports and underwrote checklists.
- Prepared and submitted loan packages to the SBA via Etran.
- Monitored pipelines to track and log status of loans.
- Prepared and submitted 327 actions.
- Prepared and provided post closing and post funding packages to borrower.
- Prepared and provided monthly reports to management.
Education
MBA - Business Administration
University of Phoenix
Tampa, FL06.2005
Bachelor of Science - Operations Management
University of Florida
Gainesville, FL08.2002
Skills
- Time Management
- Appraisal Accuracy
- Loan Closing Documentation
- Application Reviews
- Customer Inquiries
- Compile Documents
- Regulatory Compliance Documentation
- Government Lending
- Credit Applications
- Document Coordination
- File Management
- Microsoft Office
- Complex Problem-Solving
- Active Listening
- Closing Processes Understanding
- Financial Accounting
Languages
Spanish
Native or Bilingual
Timeline
504 Loan Closing Coordinator
Regional Business Assistance Corporation (RBAC)
07.2022 - 06.2023
504 Loan Operations Specialist
Independent Development Services Corporation (IDS)
01.2012 - 06.2022
MBA - Business Administration
University of Phoenix
Bachelor of Science - Operations Management
University of Florida
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