Daliah Adams
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Transaction Manager
Citi
02.2022 - Current
- Accountable and responsible for operational oversight of the closing and servicing of all loan transactions of the business division being supported to ensure all internal and external requirements are met
- This includes data capture, requisite documentation, regulatory requirements, internal policy compliance, and conditions precedent are met prior to deal execution
- Ensure all data elements are captured timely, accurately and validated by internal approvals and legal documentation.
- Streamlined transaction processes by implementing efficient systems and procedures, resulting in reduced processing time.
- Managed complex transactions for high-profile clients, ensuring timely completion and client satisfaction.
- Negotiated favorable contract terms with vendors and partners, contributing to overall cost savings for the company.
- Coordinated cross-functional teams to facilitate seamless transaction execution, maintaining clear communication channels throughout the process.
- Analyzed financial data to identify potential risks and opportunities, leading to better-informed decision-making by senior management.
- Developed strategic relationships with key stakeholders to foster collaboration and improve transaction outcomes.
- Reviewed legal documents for accuracy and compliance, minimizing potential disputes or delays in closing transactions.
Senior Loan Closer
Digital Risk
08.2020 - 01.2022
- Review loans after modification approval, performs a series of validation checks, and determine if the file can proceed for settlement or be rejected for incompletion
- Performs a review of the documents that consists of multiple data points to ensure thy were executed correctly, completes a series of validations to ensure that unpaid principal balance is at the correct amount and all fees are accounted for.
- Streamlined loan closing process by implementing efficient workflow strategies and document management systems.
- Expedited loan approval times through close collaboration with underwriters, processors, and title companies.
Wholesale Closing Specialist
First Citizens National Bank
02.2021 - 12.2021
- Perform final preparation and audits of all documents needed to create a loan closing package
- Review the quality and accuracy of each loan package including reviewing the title and survey for exceptions, checking and approving the Closing Disclosure and ensuring the loan meets all FAME, State and Federal compliance regulations
- Input loan data into various closing and compliance systems
- Prepare and deliver closing documents to Closing Agent
- Order wires
- Communicate with Closing Agent and Brokers to ensure timely loan closing.
- 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.
- Reduced errors in loan documentation by meticulously reviewing and verifying information prior to submission.
- Expedited loan approvals with proactive collaboration between underwriters, processors, and loan officers.
- Ensured compliance with federal and state regulations through diligent preparation and review of closing documents.
- Facilitated smooth closings for clients by managing deadlines and coordinating all parties involved in the transaction.
- Maintained accurate records of all completed transactions in accordance with industry standards and company protocol.
Sr Post Closing Associate
Mr. Cooper
12.2019 - 08.2020
- Makes curative recommendations and assists clients with a variety of final doc defects to achieve clear marketable/insurable mortgage securities
- Constant communication with a number of parties involved in the curative resolution effort including but not limited to the closing/title/attorney office, immediate staff, etc
- Generate reports for overview of progress and completion of all tasks associated with the curative effort
- Completion of all required reports and/or specifically assigned functions in an efficient and timely manner
- Communicate with investors and document custodians daily, follow up and procure final documents via title companies, county recording offices, etc
- Clear final document exceptions.
- Enhanced team productivity by streamlining communication and implementing efficient project management tools.
- Developed strong client relationships through timely and thorough follow-up on inquiries and concerns.
- Increased customer satisfaction by resolving complex issues and providing exceptional service at all times.
- Worked varied hours to meet seasonal and business needs.
Reverse Loss Draft Specialist
Mr. Cooper
04.2019 - 12.2019
- Conducted research ensuring accurate and consistent records were maintained
- Escalated issues as needed based on established guidelines
- Partnered with internal departments and third-party vendors to remediate document defects
- Remained compliant to service level agreements with internal and external business partners
- Gathered, reviewed and compiled reverse mortgage assignment packages
- Submitted complete packages to HUD electronically through the Home Equity Reverse Mortgage Information Technology
- Gathered all required documentation, organizes files and submits HUD for approval.
- Improved claim processing times by efficiently reviewing and analyzing loss draft documents.
- Enhanced customer satisfaction through timely communication and resolution of loss draft-related inquiries.
- Collaborated with insurance adjusters, mortgage companies, and homeowners to facilitate the release of insurance funds.
- Maintained detailed records of claim activity, including supporting documentation and correspondence, ensuring accurate reporting.
- Delivered high-quality customer service by effectively addressing concerns and providing clear explanations regarding loss draft procedures.
Independent Insurance Adjuster
Pilot Catastrophe Service
08.2017 - 03.2019
- Improved claim processing efficiency by conducting thorough investigations and timely documentation of property damage.
- Enhanced customer satisfaction by promptly addressing inquiries and providing accurate information on claim status.
- Managed a large caseload, prioritizing tasks to ensure timely completion and accurate settlement of claims.
- Collaborated with insurance carriers, agents, and policyholders to gather necessary information for accurate claim assessments.
- Reduced fraud instances by conducting meticulous investigations and identifying suspicious claims patterns.
- Maintained updated knowledge of insurance policies, regulations, and industry trends for effective claim handling.
- Provided comprehensive reports to management detailing claim findings, recommendations, and overall performance metrics.
Sr. Fraud Corporate Investigator
BBVA Compass
03.2017 - 08.2017
- Handled fraud claims under $100,000
- Pursued investigative leads for suspect identification
- Served as a liaison for all LOBs contact on assigned cases Interviews witnesses, suspects and victims to determine facts
- Utilized the bank's camera surveillance systems for subject identification Research and apply statutory defense to various fraud claims
- Prepared comprehensive investigative reports of incidents and maintain case documentation in the case management system
- Provided support to all LOB in the identification and mitigation of fraud risk and resulting losses
- Identified and created innovative solutions to emerging fraud trends and new technology in the banking industry
- Identified control breakdowns and make recommendations to prevent/minimize future fraud losses Referral of criminal matters to state and federal law enforcement for prosecution
- Uncovered fraudulent activities by conducting thorough investigations and analyzing financial records.
- Improved internal security measures through comprehensive risk assessments and policy reviews.
Wholesale Account Manager
CMG FINANCIAL SERVICES LTD
05.2016 - 12.2016
- Responded to broker status calls; coordinated special needs through the appropriate staff member
- Maintained constant Brokers contact on status of conditions, file movement and turn times
- Followed process order as conditions are signed off and new information was received
- Followed up on lock expirations for both un-submitted and approved files to ensure funding within lock period
- Prepared files for documents to be drawn
- Assisted in logging in conditions, new files, and funding packages
- Answered product questions and resolves customer service issues
- Managed pipeline reports to assure reporting integrity
- Verified receipt of Broker Fee Sheet
- Verified fees with the broker and confirms fees to original GFE in file
- Maintained data entry in DataTrac to properly track the forward movement of the file.
Compliance Analyst
Newbold Advisors, LLC
03.2016 - 05.2016
- Assisted in the compliance monitoring of the bank's policies and procedures
- Conducted pre-review and post review processes
- Identified when internal controls corrective measures and training for a specific or day to day process or transaction is required for efficient compliance
- Researched regulations by reviewing regulatory bulletins and other sources of information
- Prepared reports by collecting, analyzing, and summarizing information
- Kept other departments abreast of requirements by researching regulatory and filing information, writing and communicating guidelines
- Reviewed loss mitigation letters for a major U.S
- Bank.
- Enhanced regulatory compliance by conducting thorough risk assessments and implementing effective control measures.
- Streamlined internal audit processes for improved efficiency and accuracy in detecting potential compliance issues.
Leasing Consultant
Olympus Property
10.2013 - 09.2014
- Increased tenant satisfaction by promptly addressing concerns and resolving issues.
- Maintained high occupancy rates through effective marketing strategies and excellent customer service.
- Streamlined the application process for prospective tenants, reducing wait times and increasing efficiency.
- Boosted property revenue by skillfully negotiating lease terms and rent increases.
- Assisted with property management tasks, ensuring timely completion of maintenance requests and rent collections.
- Enhanced community atmosphere by planning and executing engaging resident events.
- Collaborated with team members to consistently provide a seamless leasing experience for all clients.
Wholesale Account Manager
Westland Financial Services
05.2013 - 09.2013
- Increased account growth by identifying new business opportunities and building strong client relationships.
- Provided exceptional customer service, promptly addressing any concerns or issues to maintain high client retention rates.
- Managed a diverse portfolio of accounts while maintaining a keen focus on individual needs and preferences for customized service delivery.
- Streamlined order processing for enhanced customer satisfaction by collaborating with internal teams.
- Collaborated closely with cross-functional teams to ensure seamless integration of new products into existing accounts.
- Developed long-term relationships with key accounts to ensure repeat business and increased revenue.
Sr Loan Processor
Bank of America
04.2012 - 02.2013
- Review refinance applications submitted by the Sales Department and complete customer service follow up for client retention
- Managed a daily pipeline of 40 loans
- Analyze items needed for the initial review to be completed by underwriting: Income, assets, title, appraisal
- Gathered conditions for loan requirements for purchase & refinance mortgage applications; Ex - Appraisal, Application, Credit Bureau Reports, Income/Assets, Title, Hazard/Flood Insurance
- Process file for loan completion and closing by meeting the conditions required by underwriting from the Desktop Underwriting (DU), and Loan Prospector (LP) findings, per the Fannie Mae & Freddie Mac guidelines
- Responsible for clearing conditions and issuing changes to the terms on previously approved loans
- Responsible for verifying conditions of approval, customer income/assets documentation, resolves routine title issues including, vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens, processes subordinations; resolves appraisal disputes
- Print and send approval letters to borrowers
- Coordinates closing activities while maintaining a high level of customer service by being proactive in communication with customers including banking center associates
- Process FHA/VA IRRL Streamline Refinance ensuring all government documents are received in completion.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Contributed to company growth by successfully managing an expanding portfolio of diverse loans.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
Sr. Mortgage Loan Specialist
Citi
06.2009 - 04.2012
- Gathered conditions for loan requirements for purchase & refinance mortgage applications; Ex - Appraisal, Application, Credit Bureau Reports, Income/Assets, Title, Hazard/Flood Insurance
- Processed subordinations for HELOCS and second mortgages
- Handled a daily pipeline of 40+ loans
- Ensured all income documents were in the file (W'2s, paystubs, bank statements, child support, etc.)
- Followed up with borrowers whenever there were judgments or liens on the credit report
- Reviewed credit reports thoroughly for any additional addresses or new credit that was opened since the purchase of the loan
- Extensive knowledge of processing FHA, VA and Conventional Loans within their specific guidelines
- Answered and fully serviced incoming calls from internal and external customers, independently researched application submittals, annotating files of activities performed and initiated follow up activities that were required with internal and external departments
- Scheduled closing for fully approved loans
- Processed 120-day delinquent loans that were denied by the HAMP program
- Modified Freddie Mac and HARP loans
- Performed basic mortgage calculations to validate score based approval
- Established closing and prepared/forwarded closing documents
- Responsible for reviewing settlement statements, titles and closing documents to prepare for closing
- Verified funding and forwarded to post-funding
- Interfaced with attorneys, loan officers and title companies to ensure all documents were in place prior to scheduling closing date (title, survey, appraisal, sales contract, good faith estimate, wire instructions, closing protection letter); Completed HUD-1; Updated 1003
- Reviewed all closing files for accuracy in meeting closing conditions set by underwriting; retrieved and reviewed HUD's sent by title companies and attorneys to ensure funds collected and/or disbursed at closing also met conditions.
- Increased loan approval rates by carefully evaluating applicant creditworthiness and financial stability.
- Streamlined mortgage application processes for quicker turnaround times, enhancing customer satisfaction.
Education
Nursing
University of Oklahoma
Norman, OKBachelor of Science Business Administration - Business Administration
University of Phoenix
05.2015
Skills
- Operational Risk
- Commercial Finance
- Attention to Detail
- Closing Process Facilitation
- Contract Negotiations
- Interpersonal Skills
- Stakeholder Engagement
- Resource Allocation
- Critical Thinking
- Multitasking
- Client Relations
- Risk Assessment
- Regulatory Compliance
Websites
Certification
- Florida Licensed Adjuster-All Lines
- Tower Hill Certification
- State Farm Estimatics Certification
- State Farm Policy Certification
- Texas Licensed Adjuster
References
References available upon request.
Timeline
Transaction Manager
Citi
02.2022 - Current
Wholesale Closing Specialist
First Citizens National Bank
02.2021 - 12.2021
Senior Loan Closer
Digital Risk
08.2020 - 01.2022
Sr Post Closing Associate
Mr. Cooper
12.2019 - 08.2020
Reverse Loss Draft Specialist
Mr. Cooper
04.2019 - 12.2019
Independent Insurance Adjuster
Pilot Catastrophe Service
08.2017 - 03.2019
Sr. Fraud Corporate Investigator
BBVA Compass
03.2017 - 08.2017
Wholesale Account Manager
CMG FINANCIAL SERVICES LTD
05.2016 - 12.2016
Compliance Analyst
Newbold Advisors, LLC
03.2016 - 05.2016
Leasing Consultant
Olympus Property
10.2013 - 09.2014
Wholesale Account Manager
Westland Financial Services
05.2013 - 09.2013
Sr Loan Processor
Bank of America
04.2012 - 02.2013
Sr. Mortgage Loan Specialist
Citi
06.2009 - 04.2012
Nursing
University of Oklahoma
Bachelor of Science Business Administration - Business Administration
University of Phoenix