CHRISTINE M. MARQUEZ
San Diego,Ca
Summary
To secure a challenging position within an organization where my experience, skills and knowledge will be fully utilized as well as offer an opportunity for personal advancement and growth. Detail-oriented and methodical Closer successful in assembling closing documentation for loans. Work quickly and accurately to meet strict standards, clear issues and prepare document packages. Handle industry-funded and government-backed loans with skill and efficiency.
Overview
27
27
years of professional experience
Work History
Closing Manager
Nvestor Funding Company
01.2022 - Current
- NON-QM Loans and DSCR Commercial Business Purpose Loans
- Prepared initial settlement statements and final Cd’s balanced files with escrow officer, once file balanced to CD drew final loan documents Obtain all outstanding conditions to ensure timely closing and closing of the loan
- Draw closing documents, issue closing funds review closed loan packages to ensure completeness of loan documentation
- Review and verify accuracy of final closing statements prior to closing to ensure compliance with Company, Investor, regulations, and requirements
- Reconcile final figures to calculate wire amount and balance with the settlement agent
- Verify loan closing package complies with the insurer and/or guarantor requirements and documentation
Retail Funder / Closer (Remote)
Kind Lending
Santa Ana, CA
06.2021 - 01.2022
- Prepared initial and final Settlement statements balanced files with escrow officer, once file balanced drew final loan documents Generate & reviewed closing documents, cleared stipulations, audited loan information, proceeds, signed documentation and fees 2 Verification of disbursement amounts and methods; generate & disburse fund
Funder / Closer
Guild Mortgage Company
07.2020 - 05.2021
- Review Processor input and confirm payees and zero tolerance fees with Settlement Agent
- Make appropriate adjustments and approve in system; notify Processor
- Forward Closing Disclosure to Settlement agent for review and approval
- Review preliminary title reports to identify excluded items and necessary endorsements
- Communicate loan program requirements to Processors and/or Loan Officers necessary at closing and provide status updates
- Obtain all outstanding conditions to ensure timely closing and closing of loan
- Draw closing documents, issue closing funds review closed loan packages to ensure completeness of loan documentation
- Review and verify accuracy of final closing statements prior to closing to ensure compliance with Company, Investor, and Conventional regulations and requirements
- Reconcile final figures to calculate wire amount and balance with settlement agent
- Verify loan closing package complies with insurer and/or guarantor requirements and documentation
Post-Closing Specialist
San Diego County Credit Union, SDCCU
12.2017 - 06.2020
- Audit and review funded loans to generate Final Post Closing CD’s Generate and issue checks to escrow and borrower for lender credit shortages
- Post received checks from Overages of Lender Credits
Quality Assurance Specialist
12.2017 - 12.2018
- Audit and review loan information to generate initial Loan Estimates and disclosures Quality assurance pre-fund audits of First Mortgages/Home Equity Loan files, ensuring policies and procedures
Sr Funder/Closer
OTHL, Inc
02.2017 - 12.2017
- Prepared initial and final Cd’s balanced files with escrow officer, once file balanced to CD drew final loan documents 3 Generate & reviewed closing documents, cleared stipulations, audited loan information, proceeds, signed documentation and fees Verification of disbursement amounts and methods; generate & disburse funds.
Closer/Funder
Supreme Lending, Inc
01.2016 - 01.2017
- Prepared initial and final Cd’s balanced files with escrow officer, once file balanced to CD drew final loan documents Generate & reviewed closing documents, cleared stipulations, audited loan information, proceeds, signed documentation and fees Verification of disbursement amounts and methods; generate & disburse funds
Sr Funder/Closer
RMS, Inc
03.2015 - 09.2015
- Generate & review closing documents, waive, add clear stipulations, Resolve HUD-1 discrepancies
- Audited loan information, proceeds, signed documentation and fees
- Verification of disbursement amounts and methods; generate & disburse funds
Sr Funder/Closer
MUFG, Union Bank MUFB
01.2012 - 01.2015
- Maintained checklists of required documentation and open issues affecting closings.
- Collaborated with lenders, agents and legal professionals to resolve transactional and title issues.
- Handled as many as 30-60 closing files each month by effectively organizing, multitasking and prioritizing closing work.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Validated and audited final signed documents in accordance with state, county and investor guidelines.
Closing Loan Coordinator
REO World Asset Management corporation, CHASE
New Port, CA
01.2010 - 01.2012
- In charge of Tracking and processing deeds for (#) files per month Order REO Insurance, Manage any insurance claims/Monitor Property Taxes 4 Once Contract is approved, get it signed and open escrow Review property preservation pictures & reports, inform the Asset Manager if there are any problems Notarized deeds and affidavits any additional documentation needing to be notarized Monitor the closing with escrow, get Deed signed and approve HUDS Once closed and money is received close out loan
Mortgage Loan Processor
Wells Fargo Bank
01.2005 - 01.2010
- Generate & review closing documents, waive, add clear stipulations, Resolve HUD-1 discrepancies Verification of disbursement amounts and methods; generate & disburse funds Audited loan information, proceeds, signed documentation and fees
Mortgage Senior Loan Coordinator Processor
Washington Mutual Bank Wholesale LFC
01.2002 - 01.2008
- Responsible for reviewing the loan application package for completeness and accuracy verifies and validates supporting income, assets and liability documentation to support automated underwriting decision
- Duties include calculating income, funds to close, reviewing and verifying credit report & other income & liabilities
- Sign off on loan conditions, analyze title report, purchase contract and escrow instructions, identifies potentially fraudulent information, performs verbal verification of employment and acts as a backup to processing.
Closing Loan Coordinator
Washington Mutual Bank Wholesale LFC Mortgage
01.2002 - 01.2005
- Generate & review closing documents, waive, add clear stipulations, Resolve HUD-1 discrepancies Verification of disbursement amounts and methods; generate & disburse funds Audited loan information, proceeds, signed documentation and fees.
Education
GED -
Madison Adult GED Program
San Diego, CANotary Public | Signing Agent - Notary Loan Signing Agent
National Notary Association
San Diego, CA06.2021
Skills
- Point, BNT, Mortgage Cadence, Symitar, DataTrac, Optis 02, MLCS, Pronto, Quick Books, Word Perfect,
- Excel, MLO/Rumba, Platform, Compass, RV, Encompass, Blue Sage
Timeline
Closing Manager
Nvestor Funding Company
01.2022 - Current
Retail Funder / Closer (Remote)
Kind Lending
06.2021 - 01.2022
Funder / Closer
Guild Mortgage Company
07.2020 - 05.2021
Post-Closing Specialist
San Diego County Credit Union, SDCCU
12.2017 - 06.2020
Quality Assurance Specialist
12.2017 - 12.2018
Sr Funder/Closer
OTHL, Inc
02.2017 - 12.2017
Closer/Funder
Supreme Lending, Inc
01.2016 - 01.2017
Sr Funder/Closer
RMS, Inc
03.2015 - 09.2015
Sr Funder/Closer
MUFG, Union Bank MUFB
01.2012 - 01.2015
Closing Loan Coordinator
REO World Asset Management corporation, CHASE
01.2010 - 01.2012
Mortgage Loan Processor
Wells Fargo Bank
01.2005 - 01.2010
Mortgage Senior Loan Coordinator Processor
Washington Mutual Bank Wholesale LFC
01.2002 - 01.2008
Closing Loan Coordinator
Washington Mutual Bank Wholesale LFC Mortgage
01.2002 - 01.2005
GED -
Madison Adult GED Program
Notary Public | Signing Agent - Notary Loan Signing Agent
National Notary Association