Carrie Habibi

• · 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
• Can handle 150+ loans in Closing pipeline
• · 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.
• · Effectively managed more than 150 client relationships monthly
• · 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

• 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.
  • 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(for Helocs) 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.

• 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.