Cheryl Simoneau
Las Vegas,NV
Summary
Highly engaged mortgage closer with 5 years’ experience producing accurate and timely closings in high-volume environments. Accomplished at collaborating across departments with a proven history of managing multiple files with competing deadlines. Proficient in balancing and calculating figures for closing disclosures or funding wires with an eye for detail. Experience closing various loan products including Conv, FHA, VA, and USDA. Extremely interested in digital solutions to streamline the process and am a strong advocate of helping people attain their homeownership goals.
Overview
12
12
years of professional experience
Work History
Mortgage Customer Service Rep II
Leidos/FHA Resource Center
12.2021 - Current
- Enhanced company service levels by managing over 65 calls daily, addressing policy inquiries regarding FHA financing for lender staff, realtors, and public.
- Provided support for FHA systems, including LRS, FHA Connection, Catalyst, and HUDHomestore.gov.
- Proficiently used various software platforms to address inquiries related to reverse mortgage servicing, provide FHA claims status, and facilitate realtors' enrollment in HUD's REO sales program.
Mortgage Loan Closer
LoanDepot/Wholesale Division
01.2020 - 06.2021
- Managed over 75 to 90 mortgage loans monthly, overseeing processes from initial clearance to closing and funding.
- This included reviewing title commitment, preparing Closing Disclosures, and reviewing loan conditions.
- Prepared accurate and compliant loan documents, ensuring timely delivery for Conv/FHA/VA/HELOC.
- Collaborated with internal departments to resolve loan issues promptly, achieving a 98% error-free closing rate consistently.
- Conducted thorough reviews of executed loan documents and pre-closing conditions before issuing wires or authorizing funds to be released.
Mortgage Loan Closer & Consumer Lending
Unify Financial Credit Union
01.2017 - 12.2019
- Engaged directly with borrowers to process consumer loan requests, including auto loans, credit cards, and debt consolidation loans, managing the process from application to funding
- Prepared documents for HELOC, Conventional, FHA, and VA files, including balancing CDs, and interacted with all parties to resolve issues and meet required deadlines
- Disbursed checks, activated credit lines, initiated funding wires, and provided final funding authorization.
Mortgage Closing Support
One Nevada Credit Union
02.2015 - 01.2017
- Prepared initial Loan Estimate Disclosure packages promptly for all new loans within designated timelines
- Supported Closing Dept
- By timely dispatching of loan documents to closing agents, transferring funded loans in MERS, issuing post-consummate Closing Disclosures
- Collaborated closely with the post-closing team to promptly resolve issues, facilitating the rapid purchase of funded loans by investors to consistently meet required shipping deadlines.
Customer Service Specialist
Ameriprise Auto & Home Insurance
01.2013 - 02.2015
- Provided support to auto and homeowner clients through inbound calls, addressing inquiries related to policy details, changes, billing issues, payment processing, and coverage limit clarification
- Maintained adherence to stringent call time requirements while delivering exceptional customer service, effectively supporting the company in achieving daily call metrics.
Education
Generative Ai For Everyone/Learning How To Learn -
Coursera Education
OnlineSkills
- Strong Time Management
- Analytical/Detail Oriented
- Collaborative Across Teams
- Microsoft 365 Suite
- Encompass/Byte/Empower/Mortgage Builder
- Customer Focus
- Follow-up skills
- Compliance Awareness
Timeline
Mortgage Customer Service Rep II
Leidos/FHA Resource Center
12.2021 - Current
Mortgage Loan Closer
LoanDepot/Wholesale Division
01.2020 - 06.2021
Mortgage Loan Closer & Consumer Lending
Unify Financial Credit Union
01.2017 - 12.2019
Mortgage Closing Support
One Nevada Credit Union
02.2015 - 01.2017
Customer Service Specialist
Ameriprise Auto & Home Insurance
01.2013 - 02.2015
Generative Ai For Everyone/Learning How To Learn -
Coursera Education
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