Summary
Overview
Work History
Education
Skills
Skills
Timeline
Generic

Carrie Habibi

MO

Summary

Dynamic Closing Department Manager with extensive experience at The Home Loan Expert, adept at streamlining processes and enhancing team performance. Proven track record in managing high-volume loan pipelines and ensuring compliance with investor guidelines. Exceptional relationship management and customer service skills drive successful closings and foster collaboration across departments.

Overview

15
15
years of professional experience

Work History

Closer

Lakeview Loan Servicing
REMOTE
10.2024 - Current
  • Ensured proper execution of all documents at the closing table.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Managed a high volume of files on a daily basis.
  • Managed and resolved concerns, problems or issues to avoid closing delays.
  • Prepared and audited loan file documents for long-term file maintenance.
  • Reviewed customer accounts to determine on-time payments and loan terms compliance.
  • Reviewed title commitments to ensure clear titles were obtained prior to closing.
  • Recorded applications for loan and credit, loan information and disbursements of funds.
  • Prepared and delivered loan documents to title and escrow teams.
  • Scanned and uploaded loan and related documents into system.
  • Provided excellent customer service throughout the entire process.
  • Reviewed title commitment and insurance policies to support pre-closing documentation.
  • Examined and verified information in loan application and closing documents.
  • Verified accuracy of all closing documents for completeness and compliance.
  • Provided support and guidance to colleagues to maintain a collaborative work environment.
  • Utilized various software and tools to streamline processes and optimize performance.
  • Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
  • Worked effectively in team environments to make the workplace more productive.

Closing Department Manager

The Home Loan Expert
REMOTE
10.2015 - 06.2024
  • Managing Closing Department and onboarding of Closers, Loan Officers and LOA's
  • Assisting New Hire employees to train in process and system functions.
  • Approving Timecards for payroll and Managing PTO, Yearend reviews, and Future Goals with Company
  • Managing closing Queue for closer assignment to each loan for TRID requirements
  • Weekly and Monthly Department Meetings
  • Update to all employees for Investor requirements, meeting notes and feedback from other Departments
  • 150+ loans in Closing pipeline per month
  • Schedules loan closings with Title Company and ensures all loans are input onto Closing Calendar for internal purposes.
  • Calculates loan interest, principal payment and closing costs for final CD approval to close.
  • Verify all information in accordance with Appraisal, lock information and Title is clear.
  • Contacts Real Estate Broker, and Title Company to request specified documents, such as receipt for payment of outstanding tax bill and/or Homeowner's Insurance as well as specific Attorney fees.
  • Clear all Underwriter/Closing conditions for each specific loan.
  • Assembles documents for delivery to Title Company, Real Estate Broker, or lending officer for closing.
  • Records loan information in log and on government reporting forms
  • Wire set up and funding each loan.
  • Follow up calls and letters for referrals on each loan.
  • Activating Mortgage Insurance after loan has closed for Conventional loans.
  • Access to FHA Connection to pay MI on government loans.
  • Recording VA loans after closing to pay VA fees or record if Exempt.
  • Shipping loans to each Investor prior to lock Expiration.
  • Works with Post-Closing to clear any Investor conditions for Purchase Advise.
  • Created and enforced department policies, procedures, and standards to establish productivity and quality.
  • Kept employee workloads fair and balanced to achieve objectives while maintaining high job satisfaction.
  • Introduced new methods, practices, and systems to reduce turnaround time.
  • Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
  • Evaluated employee performance and conveyed constructive feedback to improve skills.
  • Defined clear targets and objectives and communicated to other team members.
  • Recruited, interviewed, and hired employees and implemented mentoring program to promote positive feedback and engagement.
  • Improved staffing during busy periods by creating employee schedules and monitoring call-outs.
  • Established performance goals for employees and provided feedback on methods for reaching those milestones.
  • Streamlined and monitored quality programs to alleviate overdue compliance activities.
  • Familiar with DPA programs in various states and Closing documents.
  • Familiar with State Marital Signature requirements
  • Communicated with managers of other departments to maintain transparency
  • Communicated with managers of other departments to maintain transparency.
  • Created and enforced department policies, procedures and standards to establish productivity and quality.
  • Kept employee workloads fair and balanced to achieve objectives while maintaining high job satisfaction.
  • Motivated associates to consistently deliver effective selling behaviors through coaching and recognition.
  • Introduced new methods, practices, and systems to reduce turnaround time.

Closing Specialist/LOA & Realtor Assistant

Delmar Financial Group
01.2014 - 10.2015
  • Prepared and maintained accurate property listings, sales contracts and closing documents.
  • Implemented strategies to optimize successful closing of real estate transactions.
  • Cultivated and maintained professional relationships with clients, real estate agents, lenders and escrow personnel.
  • Assisting Loan Officer in Marketing for past clients using Mortgage Builder and Encompass. Follow up calls and letters for referrals on each loan. Entering new Applications and sending out disclosures.
    • Assisting Realtors with new listings, new clients and testing websites. Direct access to MLS system. Mailings for referrals and follow up calls for new clients.
  • Assisting in Closing Department using Encompass to close large volume of loans.
    • Schedules loan closings with Title Company. Compiles and types closing documents. Reviews approved mortgage loans to determine conditions that must be met prior to closing, such as purchase of private mortgage insurance.
    • Calls borrower, real estate broker, and Title Company to request specified documents, such as receipt for payment of outstanding tax bill and/or Homeowner's Insurance.
    • Verifies accuracy and consistency of specifications on documents, such as Title Abstract and Insurance forms.
    • Enters numbers and calculates loan interest and principal payment, and closing costs for final HUD approval to close u[ to 100 loans per month.
    • Assembles documents for delivery to Title Company, Real Estate Broker, or lending officer for closing.
    • Activating Mortgage Insurance after loan has closed for Conventional loans. Access to FHA Connection to pay MI on government loans. Recording VA loans after closing to pay VA fees or record if Exempt.
    • May compile closed loan forms for delivery to Marketing/Shipping Department for sale to Investors.
    • Ensures delivery to Title Company/Credit Union's on day of Funding for timely payoff of existing liens.
    • Works with accounting for funding checks or Wires
    • Assisting in New Hire employees to train in process and system functions. Answered questions for Loan Officers regarding system flow.

Senior Closer

USA Mortgage
02.2012 - 01.2014
  • Schedules loan closings with Title Company. Compiles and types closing documents. Reviews approved mortgage loans to determine conditions that must be met prior to closing, such as purchase of private mortgage insurance.
  • Calls borrower, Real Estate Broker, and Title Company to request specified documents, such as receipt for payment of outstanding tax bill and/or Homeowner's Insurance.
  • Verifies accuracy and consistency of specifications on documents, such as Title Abstract and Insurance forms.
  • Enters numbers and calculates loan interest and principal payment, and closing costs for final HUD approval to close.
  • Assembles documents for delivery to Title Company, Real Estate Broker, or lending officer for closing.
  • Records loan information in log and on government reporting forms.
  • May compile closed loan forms for delivery to the marketing department for sale to Investors.
  • Works with accounting for funding.

Senior Closer

US Bank
01.2010 - 02.2012
  • Delivered positive customer experiences and successful deal closures through open, constructive communications.
  • Maintained checklists of required documentation and open issues affecting closings.
  • Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
  • Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
  • Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
  • Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Monitored pipelines to track and log status of loans.
  • Compiled closing packages for drafting and presentation accuracy.

Education

High School Diploma -

Sparta HIgh School, Sparta, IL
Illinois
06.1994

Skills

  • DPA programs
  • MERS Registration
  • Investor Guidelines
  • Customer Satisfaction
  • Administration and Reporting
  • Corporate Communications
  • Client Correspondence
  • Team Meetings
  • Employee Performance Evaluations
  • Goals and Performance
  • Data Accuracy
  • Motivational Leadership
  • Loan documentation
  • Title review
  • Closing procedures
  • Customer service
  • File management
  • Relationship management
  • Team collaboration
  • Time management
  • Process improvement
  • Employee training
  • Data accuracy
  • Communication skills
  • CRM proficiency
  • Data collection
  • Loan closing documentation
  • Adaptability and flexibility
  • Professionalism
  • Multitasking capacity
  • Data entry
  • Loan disbursement

Skills

  • Policy and Procedure Adherence
  • Purchasing
  • Recruiting and Hiring
  • Document Quality
  • Employee Coaching and Mentoring
  • Proficient in Microsoft Word, Excel, Outlook, Adobe, Encompass, Data Management, Insurance, Accounting, Credit, Financial Forms, Government, Marketing and Real Estate.

Timeline

Closer

Lakeview Loan Servicing
10.2024 - Current

Closing Department Manager

The Home Loan Expert
10.2015 - 06.2024

Closing Specialist/LOA & Realtor Assistant

Delmar Financial Group
01.2014 - 10.2015

Senior Closer

USA Mortgage
02.2012 - 01.2014

Senior Closer

US Bank
01.2010 - 02.2012

High School Diploma -

Sparta HIgh School, Sparta, IL

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Carrie Habibi