Debbie Baker
Frederick,MD
Summary
Hardworking employee with customer service, multitasking, and time management abilities. Devoted to giving every customer a positive and memorable experience.
Overview
18
18
years of professional experience
Work History
Closing Officer
NVR Settlement Services
Columbia, MD
02.2024 - Current
- Reviewed loan documents and closing instructions to ensure accuracy and completeness.
- Verified title commitments, surveys, appraisals, and other related documents.
- Prepared closing statements for buyers and sellers in accordance with state regulations.
- Coordinated with lenders to ensure timely receipt of funds for closings.
- Managed post-closing activities such as recording of all closing documents at local registries.
- Ensured that all legal requirements were met prior to closing transactions.
- Attended closings to explain documents and answer questions from buyers and sellers.
Billing Manager
PearlFection Dentistry
Frederick, MD
01.2023 - 01.2024
- Analyzed customer accounts and identified discrepancies in invoices, payments, credits, and deductions.
- Entered procedure codes, diagnosis codes and patient information into billing software to facilitate invoicing and account management.
- Collected, posted and managed patient account payments.
- Reviewed insurance claims for accuracy and completeness, ensuring that all required information was present.
Closer
Endpoint
Frederick, MD
02.2022 - 11.2022
- Consulted with title department to resolve tax liens, boundary disputes and encroachments.
- Processed payments related to mortgage loans, taxes, insurance premiums and other fees associated with the sale of a property.
- Reviewed documents for accuracy and verified funds.
- Gathered information necessary for processing transfers including deeds, mortgages, titles and encumbrances.
Escrow Officer
OS National
Duluth, GA
02.2018 - 02.2022
- Reviewed contracts, commitments and orders to prepare for closing and assembled documents to prepare files and facilitate smooth final transactions.
- Coordinated transaction documentation by ordering title reports, completing forms and statements and gathering existing documents.
- Managed multiple files simultaneously while ensuring adherence to deadlines.
- Researched liens on properties in order to accurately close escrow accounts.
- Monitored closing activities to ensure timely completion of all transactions.
- Closed purchase transactions in multi-state, high-volume environment and satisfied customer expectations by meeting timelines and communicating proactively.
Underwriter
Digital Risk
Jacksonville, FL
11.2017 - 02.2018
- Examined documents to determine degree of risk from health, financial standing and value and condition of property.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
Underwriter
Citi Mortgage
Jacksonville, FL
04.2012 - 08.2017
- Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Gathered and analyzed information to determine risk acceptability.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
Risk Analyst
Chase Bank
Jacksonville, FL
06.2009 - 04.2012
- Lead and executed risk management projects to identify deficiencies and possible corrective actions.
- Collaborated with various departments within the organization to ensure effective implementation of risk mitigation strategies.
- Maintained databases containing information about current and past risks.
- Developed and documented risk management systems.
- Used Excel pivot tables, charts and reports to break down and analyze information.
Title and Escrow Assistant
First American Title Insurance Co
Silverdale, WA
07.2006 - 04.2008
- Evaluated documents to determine property ownership.
- Prepared expense reports for management review.
- Reviewed real estate closing files to identify and correct errors.
- Served as a liaison between departments to ensure efficient communication flow.
- Established and maintained positive relationships with owner banks, non-owner banks, attorneys, mortgage lenders and builders.
- Drafted settlement statements for review by both parties prior to closing.
- Notarized documents when necessary during the course of a transaction.
- Verified ownership, transaction information and dividend distribution instructions to conform with governmental regulations.
- Prepared forms for real estate transactions such as deeds, mortgages, and other legal documents.
Education
High School Diploma -
Camden County High School
Kingsland05-2002
Skills
- Builder Relations
- Legal Requirements
- Closing Process Coordination
- Funds Disbursement
- Contracts Knowledge
- Lender Relationship Management
- Product Education
- Automated Underwriting System (AUS)
- Customer Relations
- Attention to Detail
- Softpro/Resware/Streamline/Greenfolders
Additional Information
- Military Veteran Spouse
Timeline
Closing Officer
NVR Settlement Services
02.2024 - Current
Billing Manager
PearlFection Dentistry
01.2023 - 01.2024
Closer
Endpoint
02.2022 - 11.2022
Escrow Officer
OS National
02.2018 - 02.2022
Underwriter
Digital Risk
11.2017 - 02.2018
Underwriter
Citi Mortgage
04.2012 - 08.2017
Risk Analyst
Chase Bank
06.2009 - 04.2012
Title and Escrow Assistant
First American Title Insurance Co
07.2006 - 04.2008
High School Diploma -
Camden County High School
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