David Barrigher
Jacksonville,Florida
Summary
Dedicated Mortgage/Banking Professional with over 14 years of experience providing the highest quality results and giving clients the best possible experience. Looking for a career position with an organization focused on excellence. Qualifications Over 9 years of Mortgage Processing experience performing collateral Document review and Post Closing/Audit of Mortgage Loan Files. Outstanding knowledge of all Mortgage Loan Documents such as: Notes, Deeds of Trust, Subordination Agreements, Settlement Statements, Appraisals, Title Report, Income and Asset Documents, and Purchase Contracts as well as many States Specific or Loan Program Specific Documents. Ensured all required documents were present, accurate, and correctly executed and resolved any discrepancies discovered. Tracked documents not received and actively pursued these documents, This entailed communication with clients, bankers, closing agents and attorneys by phone, in writing and email. All missing or incorrect documents were obtained in a timely manner. Experienced Customer Service Representative. Assisted customer by phone and online with payment information, account updating and mortgage verification. Assisted with customer complaints and party disputes.
Overview
107
107
years of professional experience
Work History
Team Lead - Mail Services Department
Z.C,Sterling Corporation
09.1998 - 01.2006
- Processed over 300 incoming and outgoing mail items daily Performed research on all incoming tax documents Received phone inquiries from tax collectors regarding tax payments Shipped 300 checks daily as well as all outgoing mail Processed all incoming checks for cash reconciliation team Maintained documents files for Quality Assurance purposes
Anti-Money Laundering Analyst
CMC-Ebiz Contractor
11.2014 - 05.2105
- Perform analysis of alerts and investigations of transactional activities to detect any suspicions of money laundering or terrorist financing activity.
- Provide training and mentoring to analysts on investigative techniques, internal systems, products and money laundering policy and regulation. Conduct searches, gather data and record evidence from Citi internal systems, the internet, commercial databases and enquiry with business or compliance contacts within Citi. Accumulate facts from investigations to be utilized in presentations to Senior Management and Compliance.
- Report unusual client activities which might relate to money laundering or terrorist financing. Review Analysts’ recommendations for further inquiry, escalation or closure.
- Submit requests for further information and authorize closure of cases. Review investigations to ensure appropriate dispositions have been recommended by analyst. Support the successful accomplishment of internal Management Control Assessment (MCA) policies, as they apply to the department. Implement integrated processes and procedures aimed at meeting internal and external regulatory or policy guidance. Conduct alert investigation using global standard policies, procedures and tools aimed at meeting internal and external regulatory requirements.
- Operated within agreed business SLAs and confidentiality standards. Advocate for the business in matters relating to Compliance and / or Audit. Maintain a proactive curiosity and pursue investigations to a greater level of diligence than normally required for the standard due diligence Support implementation of new products during UAT of systems and processes. Provide training and mentoring to analysts on narrative writing through applying knowledge of money laundering processes.
Loan Closing Analyst/funder
PNC Mortgage
01.2016 - 01.2023
- Closes varied and complex loans and may disburse loan funds. Prepares and/or reviews all loan documents for completeness and accuracy. Reviews documentation and verifies work processes to ensure completeness, accuracy and conformance to established service levels and applicable policies and procedures.
- Prepares and/or reviews moderately complex loan closing documentation based on approval documentation. May be responsible for sharing best practices with team members and may recommend process improvement. May represent department on projects and initiatives. (50%). Partners with internal and/or external business partners to route communications, documents or other action items to complete transactions.
- Identifies and may address exceptions; escalates appropriately. May interact with customers and/or have assigned accounts. (30%). Provides responses and documentation to inquiries and ad hoc requests.
- Completes loan set up paperwork and other necessary documentation for entry into the bank's loan system. (10%). May schedule time frames for loan closings in light of loan commitments and customer needs. (10%). Provided training for new hires across various departments and special projects, created training syllabus for various trainings. Participated in special projects as needed.
Loan Closing Analyst/funder
PNC Mortgage/US Tech Solutions (Contractor)
06.2015 - 01.2016
- Closer/Funder Prepare and review critical documents for mortgage home loans, ensuring all policies and procedures are maintained.
- Work closely with loan processors to ensure accuracy of document submissions Calculate loan payments, interest and closing cost utilizing internal and external systems, factor tables and calculations.
- Assembles closing documents to title companies and closing agents, approves mortgage loan conditions that must be met prior to closing, Communicate with various title companies and closing agents to obtain outstanding closing documents needed prior to funding and disbursement of loans.
- Responds to inquiries from title agents and loan officers regarding questions regarding closing and funding requirements Instituted complete audits for my assigned closers in order to reduce error on QA audits Citibank
Verification Analyst/Loan Closer
Digital Risk Corporation
05.2012 - 10.2014
- Participated on the Bank of America project from January 2014 - October 2014 interacting with Mortgage Loan Processors finalizing loan document packages.
- Conducted reviews to determine compliance with GSE and Regulatory policies, using a software application with advanced audit scripts to ensure adherence to the appropriate client review criteria, depending on individual scopes of work.
- Executed the client review criteria, knowledge of servicing policies and procedures in a changing regulatory and secondary environment Conducted reviews utilizing scripts that will confirm the compliance with servicing policies and procedures Fulfilled the role of Subject Matter Expert (SME) for MRM on FHA/VA/FNMA/FHLMC guidelines and mortgage industry regulations relating to servicing compliance with current regulatory directives.
- Demonstrated relevant skills and experience in the mortgage industry Provided three years of residential mortgage experience with an emphasis in customer service, collections, loss mitigation, foreclosure, bankruptcy, investor reporting, escrow administration is preferred.
- Gained knowledge of mortgage documents, including loan closing documents Displayed excellent communication skills, including impeccable written and verbal communication skills. Demonstrated the ability to work independently in a team environment
Loan Verification Analyst
Digital Risk Corporation (AppleOne Contractor)
01.2012 - 05.2012
- Validated the accuracy of pertinent documents within the loan file Searched all third parties to the origination loan transaction via the internet.
- Validated contact information and then submits requests for audit verifications to validate loan information while recording all results of attempts made to obtain the verification
Loan Processing Assistant
PHH Mortgage Company (Accounting Principles Contractor)
07.2011 - 01.2012
- Provided support to Loan Processing Team by contacting customers and loan stakeholders (Mortgage Advisors, Financial Consultants, Real Estate Agents) to ensure timely communication at key points in the loan process.
- Ordered and followed up of third party documents including verifications of employment, deposit, credit, rent and mortgages, appraisal reports, credit supplements, title work, and subordination agreements to expedite the loan process and meet required closing dates / rate expiration dates.
- Validated final closing costs, tax figures, email addresses and confirmed scheduled closing date and time with the assigned Closing Agent.
- Prepared the loan for closing by completing the following: aggregate escrow, closing cost worksheet, and verifying the final payoff figure to ensure closing package is accurate.
Operations Specialist
Lender Processing Services (AppleOne Contractor)
04.2011 - 07.2011
- Organized, recorded, processed and serviced the production output of the various servicing activities of the company. Received explicit instructions on filing, recording and organizing documentation associated with work products Worked on basic projects with assistance and oversight of senior staff and managers Utilized various client bases systems to review foreclosure and bankruptcy documents Worked various hold reporting spreadsheets within Microsoft Excel.
Loan Processing Assistant
PHH Mortgage Company (Accounting Principles Contractor)
10.2010 - 04.2011
- Provided support to Loan Processing Team by contacting customers and loan stakeholders (Mortgage Advisors, Financial Consultants, Real Estate Agents) to ensure timely communication at key points in the loan process.
- Ordered and followed up of third-party documents including verifications of employment, deposit, credit, rent and mortgages, appraisal reports, credit supplements, title work, and subordination agreements to expedite the loan process and meet required closing dates / rate expiration dates. Validated final closing costs, tax figures, email addresses and confirmed scheduled closing date and time with the assigned Closing Agent Prepared the loan for closing by completing the following: aggregate escrow, closing cost worksheet, and verifying the final payoff figure to ensure closing package is accurate.
Foreclosure Support Specialist
American Home Mortgage Servicing (Aerotek Contractor)
06.2010 - 09.2010
- Responded to requests via email on phone for collateral file documents Managed collateral files and scanned and uploaded files to client database Created spreadsheets for upload into Microsoft Access Researched collateral files for open items
- Gap: Actively Seeking Employment.
Lender Processing Services
01.2006 - 07.2008
Supervisor - Document Processing Center
ZC Sterling Corporation
08.1998 - 01.2006
- Processed over 2,000 insurance documents daily Scanned over 10,000 documents daily for processing Processed and delivered all incoming checks Performed rescanning functions and also sorted and delivered faxes Assisted with inbound and outbound high volume center as needed Assisted with insurance verification and data entry as needed.
Application Processor
Qualfon
09.2025 - Current
- Processed applications accurately to ensure timely approvals and compliance with company standards.
- Coordinated documentation verification, reducing errors and improving overall processing efficiency.
- Assisted in training new team members on application processing systems and procedures.
- Reviewed applicant data for completeness, ensuring adherence to regulatory requirements.
Education
High School Diploma - Computer
Ballou High School
Computer Operations Certification - undefined
Learning Center
Skills
- Microsoft Office: Word, Excel, Outlook, PowerPoint, Access AS400
- PeopleSoft SharePoint TRID ComMIT Systems MTS MSP LPS
- Attention to detail
- Customer focus
- Coaching and mentoring
- Performance improvement
- Regulatory compliance
Timeline
Application Processor
Qualfon
09.2025 - Current
Loan Closing Analyst/funder
PNC Mortgage
01.2016 - 01.2023
Loan Closing Analyst/funder
PNC Mortgage/US Tech Solutions (Contractor)
06.2015 - 01.2016
Anti-Money Laundering Analyst
CMC-Ebiz Contractor
11.2014 - 05.2105
Verification Analyst/Loan Closer
Digital Risk Corporation
05.2012 - 10.2014
Loan Verification Analyst
Digital Risk Corporation (AppleOne Contractor)
01.2012 - 05.2012
Loan Processing Assistant
PHH Mortgage Company (Accounting Principles Contractor)
07.2011 - 01.2012
Operations Specialist
Lender Processing Services (AppleOne Contractor)
04.2011 - 07.2011
Loan Processing Assistant
PHH Mortgage Company (Accounting Principles Contractor)
10.2010 - 04.2011
Foreclosure Support Specialist
American Home Mortgage Servicing (Aerotek Contractor)
06.2010 - 09.2010
Lender Processing Services
01.2006 - 07.2008
Team Lead - Mail Services Department
Z.C,Sterling Corporation
09.1998 - 01.2006
Supervisor - Document Processing Center
ZC Sterling Corporation
08.1998 - 01.2006
Computer Operations Certification - undefined
Learning Center
High School Diploma - Computer
Ballou High School