Summary
Overview
Work History
Education
Skills
References
Timeline
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Ciera Harris

Garner,North Carolina

Summary

Determined Closer with documented success in competitive, fast-paced sales environments. Track record of exceeding expectations and sales goals to drive profit and revenue growth. Collaborating with team members to deliver exceptional customer service. Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking entry-level opportunities to expand skills while facilitating company growth. Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Overview

14
14
years of professional experience

Work History

Loan Closer Funder

RBC Bank
01.2021 - 12.2024
  • Prepared loan closing documents and disbursement instructions according to lender requirements.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Partnered with advisors and other parties to collect information to satisfy closing conditions.
  • Examined and verified information in loan application and closing documents.
  • Monitored daily cash flow activity related to funded loans.
  • Documented waivers, exceptions or deviations from policy.
  • Ensured compliance with applicable laws, regulations, and policies related to loan closings.
  • Assembled and compiled title abstracts, insurance forms, loan documents, and tax receipts.

Loan Processor

Wells Fargo
11.2018 - 01.2021
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Calculated income, assets and liabilities to meet lender requirements.
  • Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
  • Reviewed appraisals to ensure accuracy of value estimates.
  • Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
  • Analyzed loan applications and supporting documents to determine eligibility for approval.
  • Monitored progress of each loan application from start to finish ensuring timely completion.
  • Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
  • Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.

Nursing Support Technician

McKesson
02.2016 - 11.2018
  • Maintained accurate records of patient information in accordance with HIPAA regulations.
  • Communicated with patients to determine feelings, need for assistance or social and emotional support.
  • Answered [Number] calls per shift to assist with customer questions and concerns.

Mortage Collections Agent

IBM
10.2010 - 03.2016
  • Interviewed customers to obtain financial information, payment history and other relevant details.
  • Recorded information about customers' financial status and collections status efforts.
  • Negotiated credit extensions to assist customers in paying overdue accounts.
  • Marketed delinquent mortgage notes to investors, negotiating to achieve highest bids for notes and short sales.
  • Followed fair debt practices and regulatory guidelines when managing collections process.
  • Analyzed customer data to identify potential areas of improvement within the collections department.
  • Created repayment plans based on account holders' financial status and repayment abilities.
  • Performed administrative functions for assigned accounts, recorded address changes and purged records.
  • Investigated historical data for each debt or bill to identify concerns and determine optimal course to bring account current.
  • Resolved complex issues that arose during the collections process.

Education

Some College (No Degree) - Health Admin/ Business

North Carolina A & T State University
Greensboro, NC

Skills

  • Data Collection
  • File Management
  • Loan Modification
  • Customer Account Review
  • Regulatory Compliance
  • Loan Disbursement
  • Credit Verification
  • Employment Verification
  • Personal Data Collection
  • Mortgage Loan Processing
  • Funds Disbursement Application
  • Legal Documentation
  • Customer Service
  • Title Abstracts
  • Problem-Solving
  • Decision-Making
  • Deposit and Payment Collection
  • Lending Software Systems
  • Data Entry
  • Microsoft Office
  • Closing Documentation

References

References available upon request.

Timeline

Loan Closer Funder

RBC Bank
01.2021 - 12.2024

Loan Processor

Wells Fargo
11.2018 - 01.2021

Nursing Support Technician

McKesson
02.2016 - 11.2018

Mortage Collections Agent

IBM
10.2010 - 03.2016

Some College (No Degree) - Health Admin/ Business

North Carolina A & T State University
Ciera Harris