Craig Thornhill
Forest Hills,NY
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. Attentive Loan Specialist with background in assessing credit history data and finding appropriate solutions perfect for customer needs. Ready for new position where loan evaluation background can be best utilized.
Overview
24
24
years of professional experience
Work History
Mortgage Closer
Municipal Credit Union
New York, NY
10.2014 - Current
- Scheduled loans with attorneys to close within expiration dates.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Reviewed title commitment and insurance policies to support pre-closing documentation.
- Ensured accuracy of mortgage calculations including principal balance, interest rate, taxes, insurance and other fees due at closing.
- Reviewed final settlement statements for accuracy and completeness prior to disbursement of funds.
- Reviewed loan applications and supporting documentation for completeness and compliance.
Mortgage Processor
Chase Mortgage
Garden City, NY
01.2009 - 09.2013
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Examined and verified information in loan application and closing documents.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Verified income, assets, credit reports, title insurance policies and appraisals for each loan file.
- Followed up on conditions requested by underwriters or insurers during the loan approval process.
- Ensured compliance with federal regulations such as RESPA, Truth in Lending Act, Home Mortgage Disclosure Act and Anti-Money Laundering laws.
- Educated clients regarding guidelines and adjustments of loan contracts and packages.
QC Specialist
United Nations FCU
Long Island City, NY
12.1999 - 12.2008
- Conducted post-closing quality control reviews to ensure compliance with federal regulations.
- Kept detailed records regarding approved, denied and received loan applications.
Education
Bachelor of Arts - Finance
SUNY Old Westbury
Old Westbury, NY05-1990
Skills
Mortgage Software applications including Mortgagebot LLOS,Encompass and Loans PQ (Meridian Link); Microsoft Office (including Edge, Word, Excel, Outlook, Teams) Proficient with Fannie Mae, FHA, SONYMA, HMDA and corporate portfolio guidelines Familiar with ACRIS, the Work Number, Emp Info, Data Verify, PMI order through EnAct, MGIC, ArchMI, appraisal order through Universal Real Estate and Mercury Network
Timeline
Mortgage Closer
Municipal Credit Union
10.2014 - Current
Mortgage Processor
Chase Mortgage
01.2009 - 09.2013
QC Specialist
United Nations FCU
12.1999 - 12.2008
Bachelor of Arts - Finance
SUNY Old Westbury
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