Cheri Smidt-wehage

Responsibilities include:

* Balancing wires with Title Companies

*Gather all necessary documents in order to fund the loan.

*Sending a wire transfer and routing numbers

* Register all funded loans with MERS

*Register all VA / FHA Loans with FFPS

* Complete all milestone data entry to complete the milestone.

*Receive all closing documents, and audit for accuracy.

*Receive signatures from loan officers on all necessary documents.

* Obtain original Note , process Allonge and ship to funding warehouse

* Gather all necessary documents for VA/ FHA loans and certify through the WEBLGY site

*Upload loan guarantee certificate to Encompass and change milestone

* Send loans out for bid to ensure the Best Efforts have been met

* Once loans have been sent to new investor, I uploaded all closing and credit documents

*Fulfill all conditions to ensure the loan is purchased in a timely manner

*Once loan has been committed for purchase, Prepare good bye letters and reconciled transaction in Encompass

*Assist with the preparation of closing documents and coordinate closing appointments

*Handle any issues or concerns that may arise during the transaction process

*Monitor and obtain all recorded Deeds of trust and check for accuracy

*obtain all Final Title policies and compare to recorded Deeds and Deeds of Trust

• Company Overview: Residential Lending Department
• Receiving and reviewing all closing Documents from settlement
• Asking Title companies for any items missed from settlement
• Reviewing recorded documents for accuracy including researching on Maryland Land Rec to verify items in new Deeds, Deeds of trust, lien releases etc
• Have been reported accurately before sending to be recorded
• Pulling recorded Documents sent to recorders office and comparing to the Final Title policy checking for signatures correct information in Schedules A & B as well as all endorsements and notarization of documents
• Doing a full audit of the entire loan once all documents have been collected verifying loan is closed and ready for outside auditors to review
• Obtaining any documents, homeowners’ policies etc
• That were not collected properly are corrected before final completion of the loan
• Involved in Employee Engagement Committee and helped bring fun events to employees to participate in
• Residential Lending Department

• Meeting with clients to perform an initial borrowing appraisal, which includes gathering information on income and debt as well as explaining the loan process
• Researching applicants' credit standing, income data, and other essential information
• Following up with clients to ensure all documents are ready for loan finalization, applicable criteria are met, and clients fully understand loan repayment plan
• Providing final documentation to the borrower and loan provider while maintaining master copies of vital documents needed to secure the loan
• scheduling closings
• prepare documents for closing
• Review all closing documents for accuracy

• Building relationships with guests and ensuring a great dining experience
• Hiring and training the right people
• Helping control all costs and keeping a clean and comfortable environment
• Managing a staff of 80 people, and assisting in training new managers within the company
• Processed payroll
• General human resource manager

• Scheduling, staffing, reducing turnover, controlling costs, and maintaining profit and loss statements, Processing payroll
• Establishing friendly, personal connections with guests and employees
• Increase sales through guest satisfaction
• Responsible for onboarding of all new team members
• Training all new managers
• Purchasing food and beverages
• Inventory control

• Maintaining profit and loss statements as well as controlling the reduction in cost for the restaurant and retail stores
• Increasing restaurant traffic and retail sales by improving guest loyalty
• Managing a staff of 130 along with training all managers in training
• Processing Payroll
• Human resource leader for all employees