Summary
Overview
Work History
Education
Skills
Timeline
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Cindy Thomas

Wills Point,TX

Summary

Well-organized Mortgage Loan Closer promoting a background in reviewing paperwork for accuracy and answering questions from customers and other stakeholders. Possessing the skills needed to meet very tight deadlines. Looking to tackle new challenges with a The American National Bank of Texas that values successful response and time management skills.

Overview

28
28
years of professional experience

Work History

Mortgage Loan Closer II

The American National Bank of Texas
Terrell, Tex
01.2022 - Current
  • Reviewed loan documents and ensured accuracy of information provided by customer.
  • Verified that all required documentation was received prior to closing date.
  • Calculated mortgage payments, interest rates, taxes, insurance amounts.
  • Coordinated with title companies to ensure timely delivery of documents to settlement agents.
  • Reviewed final closing disclosure statement for accuracy prior to closing day.
  • Maintained up-to-date knowledge of industry regulations and procedures.
  • Organized files according to company standards and maintained electronic records.
  • Adhered to established policies and procedures when preparing closing documents.
  • Verified accuracy of information on mortgage documents.
  • Identified lending risks and implemented strategies to reduce loan defaults.
  • Reviewed client documentation and contracts for discrepancies and mistakes.

Mortgage Loan Closer I

The American National Bank of Texas
Terrell, TX
05.2016 - 01.2022
  • Reviewed loan documents and ensured accuracy of information provided by customer.
  • Coordinated with title companies to ensure timely delivery of documents to settlement agents.
  • Maintained up-to-date knowledge of industry regulations and procedures.
  • Verified accuracy of information on mortgage documents.

Collateral Specialist

The American National Bank of Texas
Terrell, Texas
03.2013 - 05.2016
  • Reviewed loan documentation to ensure accuracy and completeness prior to closing.
  • Prepared Collateral files for loans, including verifying lien perfection of security interests in personal property.
  • Analyzed title commitments and surveys for real estate collateral.
  • Maintained accurate records of all secured transactions.
  • Monitored loan portfolios to ensure that all collateral is properly secured and insured.
  • Researched legal documents related to secured transactions such as mortgages, deeds of trust, promissory notes.
  • Performed periodic reviews of existing loans to ensure proper collateral coverage exists over pledged assets.
  • Assisted with the preparation of annual reports related to collateral activity.
  • Identified potential issues or risks related to collateral activities and reported findings accordingly.
  • Developed policies and procedures for the effective management of collaterals.
  • Reviewed client documentation and contracts for discrepancies and mistakes.

Imaging, BEST Mail Room & Ln Vault Specialist

The American National Bank of Texas
Terrell, TX
09.1996 - 03.2013
  • Coordinated with other departments to ensure efficient workflow processes.

Education

High School Diploma -

Wills Point High School
Wills Point, TX
05-1992

Skills

  • Skilled in Silverlake,
  • Encompass
  • Onbase
  • Microsoft Office Suite
  • iLien
  • Data entry
  • Customer service and support
  • Attention to Detail
  • Time Management
  • Reliability
  • Team Collaboration
  • Problem-Solving

Timeline

Mortgage Loan Closer II

The American National Bank of Texas
01.2022 - Current

Mortgage Loan Closer I

The American National Bank of Texas
05.2016 - 01.2022

Collateral Specialist

The American National Bank of Texas
03.2013 - 05.2016

Imaging, BEST Mail Room & Ln Vault Specialist

The American National Bank of Texas
09.1996 - 03.2013

High School Diploma -

Wills Point High School

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Cindy Thomas