Cynthia Swanson
Jamul,CA
Summary
Highly skilled Loan Closer with over 20 years of experience. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
22
22
years of professional experience
Work History
Senior Mortgage Loan Closer
Wells Fargo Home Mortgage
04.2011 - 07.2023
- Streamlined mortgage closing process by implementing efficient loan management systems.
- Increased client satisfaction rates by providing personalized guidance throughout the loan closing process.
- Collaborated with underwriters and processors to resolve any discrepancies in loan documentation prior to closing.
- Maintained compliance with federal and state regulations by conducting thorough reviews of all loan documents.
- Enhanced department productivity by training new staff members on loan closing procedures and best practices.
- Conducted detailed pre-closing audits, identifying potential issues that could delay or prevent successful loan closings.
- Ensured accuracy in preparation and distribution of necessary paperwork for real estate transactions during mortgage closings.
- Reviewed funding packages by calculating fees and arranging for disbursement of loan funds.
- Produced closing instructions and coordinated with title company to monitor closing and funding.
- Participated in company-wide initiatives aimed at improving overall service delivery, contributing valuable insights gained from direct experience with clients and transactions.
- Continuously improved upon personal knowledge of industry trends, regulations, and best practices through regular professional development activities.
- Demonstrated adaptability when faced with regulatory changes, quickly learning new requirements and incorporating them into daily operations without compromising quality or efficiency of service delivery.
- Supported colleagues during high volume periods, fostering a collaborative work environment where everyone was able to excel under pressure.
- Minimized potential delays by anticipating issues that may arise during the closing process and proactively addressing them before they became obstacles.
- Contributed to team success by proactively identifying areas for improvement in workflows or procedures.
- Ensured compliance with federal and state regulations through diligent preparation and review of closing documents.
- Expedited loan approvals with proactive collaboration between underwriters, processors, and loan officers.
- Reduced errors in loan documentation by meticulously reviewing and verifying information prior to submission.
- Streamlined closing processes by implementing efficient document management and communication strategies.
- Enhanced customer satisfaction by providing timely updates and addressing concerns promptly throughout the closing process.
- Expedited funding requests from title companies, facilitating faster completion of transactions for clients.
- Managed a high volume of loans simultaneously while maintaining strict attention to detail and organization for each file.
- Served as primary point of contact for all parties involved in the mortgage closing process, fostering trust and strong relationships among stakeholders.
- Overcame complex challenges during the loan closing process by leveraging extensive industry knowledge and problem-solving skills.
- Coordinated seamless communication between multiple departments within the organization, streamlining workflow processes for more efficient operations.
- Assisted management team in developing new strategies for streamlining loan closing processes while maintaining compliance with industry standards and regulations.
- Maintained a comprehensive understanding of evolving mortgage laws and guidelines, ensuring the organization''s continued ability to provide exceptional service in an increasingly complex regulatory environment.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Checked loan documents for accuracy prior to closing.
- Reduced turnaround time for loan approvals, ensuring timely disbursement of funds to clients.
- Managed multiple concurrent transactions while maintaining attention to detail, ensuring all timelines were met without sacrificing accuracy or customer satisfaction levels.
Loan Closing Specialist
National City Mortgage
03.2001 - 04.2010
- Prepared closing documents
- Ensured accurate disbursement of funds through diligent review of settlement statements and coordination with title companies.
- Facilitated a smooth transition from origination to post-closing by closely monitoring each step of the process, ensuring all requirements were met promptly.
- Expedited loan closings through proactive problem-solving and effective collaboration with internal teams and external partners.
- Efficiently processed large volumes of complex legal documents without sacrificing quality or attention to detail.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
- Assisted in maintaining regulatory compliance for each transaction by staying up-to-date on industry changes and adapting procedures accordingly.
- Developed strong partnerships with third-party vendors such as title companies, attorneys, enabling smoother transactions for clients.
- Consistently maintained a high level of accuracy while handling sensitive financial information during the closing process.
Education
High School Diploma -
Wichita Falls High School
Wichita Falls, TX06.1979
Skills
- Closing Procedures
- Document Review
- Title Examination
- Multitasking
- Industry Knowledge
- Funding Coordination
- Attention to Detail
- Problem Solving
- Time Management
- Relationship Building
- Residential Mortgage Lending Regulations
- Microsoft Office
Timeline
Senior Mortgage Loan Closer
Wells Fargo Home Mortgage
04.2011 - 07.2023
Loan Closing Specialist
National City Mortgage
03.2001 - 04.2010
High School Diploma -
Wichita Falls High School
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