CHRISTINA REYES

• Efficiently process and prioritize collateral packages, including separating and organizing essential loan documents. Review closing and trailing documents for accuracy, identifying and resolving discrepancies with title companies and other parties. Perform accurate data entry in Encompass and other systems to track and manage collateral files. Prepare and ship collateral packages to warehouse banks, adhering to strict deadlines. Manage and resolve collateral exceptions promptly. Communicate effectively with branch and corporate employees, title companies, and attorneys. scanning closing document, File the closing Packages.

• Auditing contract packages, reviewing documents for accuracy, and identifying any discrepancies. Responsible for verifications of employment, insurance, references, residence, and other required stipulations. Income verification and calculations. Gathering and uploading missing documents from dealerships and customers. Accurately and effectively communicate with dealerships, customers, underwriters and management. Taking inbound phone calls in relation to deal status.

Experienced and detail-oriented Corporate Closer with a strong track record of ensuring regulatory compliance and executing smooth, accurate mortgage transactions. Demonstrated expertise in RESPA, TRID, and company-specific guidelines, consistently upholding the integrity of the closing process.

Skilled in managing complex loan portfolios, maintaining clear and prompt communication, and fostering productive relationships with title companies, loan officers, and internal teams. Adapted quickly to remote operations, leveraging strong organizational and multitasking abilities to perform under pressure.

Proficient in closing a variety of loan types including Conventional, FHA, VA, USDA, and refinances. Successfully handled closings across multiple states including Florida, Ohio, Oklahoma, and Texas. Recognized for reliability, collaborative spirit, and dedication to client trust and operational excellence

• Responsible for preparing loan packages for the closing and funding process. Serves as liaison between Caliber and closing agent. Calculates funding amount for each loan package balances figures with closing agent, releases wire and funds loan.

• Prepare and audit loan files promptly and review signed settlement Statements and the rest of the documents for accuracy. Monitor quality findings and their resolution. Comply with the quality control testing standards. Recommend reasonable corrective action relative to quality control findings. Provide timely loan level reports of QA/QC findings. Verify usage of correct Mortgage and Note. Supervise escrow funds daily allocation to payees.
• Assist in the escrow process, such as opening orders, inputting closing statement information, preparing documents for closing, handling the complete disbursement and follow-up
• Communicate regularly with customers during the escrow process flow
• Interpret various agreements as they relate to escrow closings

• Handled and processed document types that include, but not limited to Legal, Title, Inspection and other property related reports, evidence of sale, previous claims, forms, foreclosures and escrow. Provided exceptional customer service when interacting with clients, lenders and attorneys on various matters related to title curative services. Developed and maintained a professional relationship with multiple title companies to ensure accuracy of title curative documents. Utilized advanced problem-solving skills to resolve complex title issues quickly and accurately.

• Deployment new program (PRE- PROCESSING) (The Wall) Helping the Loan Offices with income Calculations and have all the documents ready to send to processing, Helping to clean condition on files to helping to speed the process to close the loans on time.
• Employee training and development Interact with operations partners (processing/closing/UW) to provide the best customer service and most efficient origination practices. Ensure files move through processing and closing in a timely manner. Establish appointments with clients. Meet with clients to complete necessary documents. Follow up with clients at all times, keeping them informed of the loan process. Daily illustration of excellent customer service skills with clients and applicants to ensure client retention.