Overview
Work History
Timeline
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Courtney Brett Breland

Waveland,United States

Overview

6
6
years of professional experience

Work History

Assistant Branch Manager

Mariner Finance
Gulfport, MS
08.2022 - 01.2023
  • Ensured compliance with internal policies and procedures as well as external regulations.
  • Analyzed financial data and prepared reports on the branch's performance for senior management.
  • Maintained oversight of all branch activities
  • Performed financial transactions such as deposits, withdrawals, transfers, loan payments.
  • Maintained a positive relationship with customers by responding promptly to inquiries or complaints.
  • Identified opportunities for improvement within the branch environment and implemented solutions accordingly.
  • Managed daily cash flow activities including counting cash drawers at opening and closing times.
  • Prepared monthly reports on branch activity metrics such as number of accounts opened and closed.
  • Evaluated credit application to determine risk factors and financial feasibility.

Disclosure Desk Specialist

EPM
Atlanta, GA
03.2022 - 07.2022
  • Ensured compliance with federal, state, and local laws regarding disclosure document requirements.
  • Processed requests from customers for additional copies of their disclosure documents.
  • Responded promptly to emails, phone calls, and other inquiries from customers regarding their accounts.
  • Communicated effectively with team members to coordinate efforts when resolving complex issues.
  • Assisted Loan Officers with the completion of Closing Disclosure forms.
  • Analyzed loan data to ensure compliance with federal, state, and local regulations.
  • Prepared Closing Disclosures in accordance with applicable laws and regulations.
  • Reviewed loan documents for accuracy and completeness prior to the creation of Closing Disclosures.
  • Verified accuracy of all closing costs associated with each loan file.
  • Resolved discrepancies between lender's estimate and actual closing cost figures.
  • Generated accurate Closing Disclosures according to customer specifications within established deadlines.
  • Maintained detailed records of all changes made to loan files during the disclosure process.
  • Created reports detailing any errors found in the disclosure process and recommended solutions for resolution.
  • Updated internal systems with new information as needed throughout the disclosure process.
  • Worked closely with other departments to resolve any outstanding issues prior to closing.
  • Provided guidance on proper documentation requirements when necessary.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Examined and verified information in loan application and closing documents.
  • Prepared and delivered loan documents to title and escrow teams.
  • Reviewed and corrected errors on interest, principal and closing costs.
  • Checked value of customer collateral to hold as loan security.

Settlement Specialist

Cardinal Financial
Charlotte, NC
07.2020 - 03.2022
  • Verified accuracy of mortgage documents to ensure compliance with regulatory requirements.
  • Maintained and updated records of all settlements and related activities.
  • Researched title issues and worked with attorneys to resolve any discrepancies.
  • Reviewed escrow instructions from customers and lenders to ensure accurate funding of transactions at close of escrow.
  • Prepared final closing disclosure forms and ensured that they were delivered to borrowers in accordance with applicable regulations.
  • Collaborated with external vendors, including title companies, appraisers, surveyors, attorneys, and other third parties involved in the settlement process.
  • Interpreted complex legal documents relating to real estate transactions in order to identify potential risks or liabilities associated with the transaction.
  • Monitored loan status updates from underwriters and communicated any changes or updates directly to customers.
  • Managed a high volume of incoming calls while providing excellent customer service.
  • Coordinated closings schedules between buyers, sellers, lenders, title companies.
  • Assisted in resolving any post-closing issues related to settlements.
  • Complied with federal laws governing consumer lending practices.
  • Authored settlement agreement documents containing resolutions and obtained signatures from both parties to finalize agreements.
  • Prepared closing packages that included all relevant documents.
  • Served as a resource to Loan Officers, Processors, and Underwriters regarding closing process.
  • Verified that settlement statements were accurate and in compliance with applicable laws and regulations.
  • Coordinated closings with buyers, sellers, title companies, attorneys, lenders, and other parties involved in the transaction.
  • Organized files for each closed loan into an electronic database.
  • Resolved discrepancies between lender requirements and borrower documentation prior to closing date.
  • Ensured timely processing of loans by monitoring progress throughout the entire process.
  • Participated in weekly meetings with management team to discuss current projects and goals.
  • Reviewed title commitments for liens or encumbrances that could affect the sale of property.
  • Collaborated with internal departments such as accounting, legal, operations., as needed during the closing process.
  • Maintained loan closing pipeline and coordinated funding with county partners.
  • Managed validation of documentation to regulate underwriting and closing requirements.
  • Reviewed attorney prepared documents and construction loan documents.
  • Delivered excellent customer service by identifying needs and recommending custom solutions.
  • Handled pipeline of active deals in closing stage.
  • Liaised between front line and lender or portfolio manager and underwriting.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Prepared and delivered loan documents to title and escrow teams.

Closing Team Lead

Advantage Title LLC
Bay Saint Louis, Mississippi
08.2016 - 06.2020
  • Directed and coordinated closing team activities to ensure timely completion of tasks.
  • Developed and implemented efficient strategies for managing the closing process.
  • Ensured compliance with all regulatory requirements related to closings.
  • Provided guidance and training to new employees on closing processes.
  • Developed and implemented processes to ensure accuracy of titles, deeds, liens and other documents.
  • Reviewed title commitments to identify any encumbrances or other restrictions that may affect ownership rights.
  • Analyzed title insurance policies and prepared endorsements as needed.
  • Conducted due diligence research on properties including tax records, deeds, liens, judgments and mortgages.
  • Collaborated with attorneys, lenders, surveyors and brokers to resolve issues related to title clearance.
  • Maintained accurate records of all title documents within assigned portfolio.
  • Reviewed and verified documents to ensure compliance with laws, regulations, and contractual provisions.
  • Verified that all legal requirements were met prior to recording documents at county offices.
  • Evaluated current procedures related to title coordination and suggested improvements when necessary.
  • Coordinated transfer of funds between parties involved in real estate transactions.
  • Provided guidance on legal documents such as mortgages, releases of lien or quitclaim deeds.
  • Worked closely with escrow officers to ensure timely processing of closings.
  • Ensured compliance with state laws governing land transactions.
  • Reviewed closing statements prior to issuance of policies to ensure accuracy.
  • Coordinated closings between buyers, sellers, lenders, agents, brokers.

Timeline

Assistant Branch Manager

Mariner Finance
08.2022 - 01.2023

Disclosure Desk Specialist

EPM
03.2022 - 07.2022

Settlement Specialist

Cardinal Financial
07.2020 - 03.2022

Closing Team Lead

Advantage Title LLC
08.2016 - 06.2020

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Courtney Brett Breland