Summary
Overview
Work History
Education
Skills
Certification
Additional Information
Timeline
Generic

Debra Stines

Myrtle Beach,SC

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

22
22
years of professional experience
1
1
Certification

Work History

Real Estate Paralegal

Grand Strand Law Group
11.2022 - Current
  • Enhanced client satisfaction by efficiently managing real estate transactions and ensuring timely completion.
  • Streamlined the closing process for residential transactions, resulting in improved efficiency.
  • Prepared legal documents such as deeds, mortgages, and leases to facilitate smooth real estate transactions.
  • Conducted thorough title searches and examinations, mitigating potential risks and discrepancies.
  • Collaborated with clients, attorneys, and lenders to address issues promptly and maintain positive working relationships.
  • Ensured proper recording of property transfers at local government offices, maintaining accuracy and compliance with local regulations.
  • Analyzed deeds of trust to verify grantor, grantee, trustee and loan amounts for executive leadership.
  • Reviewed Deed of Trust, Title Commitments, probate/estate documents, foreclosure documents.
  • Balanced with lenders, prepared documents for closing, disbursement of files, wire funds, funding requirements, and recordings.
  • Prepared legal property descriptions for use in transactions.
  • Assisted clients in understanding complex legal documents by providing clear explanations and answering questions promptly.
  • Managed escrow accounts accurately and securely, ensuring proper distribution of funds upon closing.

Senior Escrow Officer

First American Title Insurance Co
11.2020 - 09.2022
  • Responsible for handling real estate transactions by establishing new escrow accounts, managing funds, processing documents for closing, and completing settlement statements in accordance with established policies and procedures.
  • Mitigated risk in real estate transactions by conducting thorough title searches, preparing accurate legal documents, and ensuring proper execution of all paperwork.
  • Fostered strong relationships with clients, lenders, agents, and attorneys to facilitate smooth escrow transactions and maintain a high level of referral business.
  • Enhanced client satisfaction by efficiently managing complex escrow transactions and providing exceptional customer service.
  • Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
  • Returned executed loan packages to lender for review and approval in accordance with lender instructions.
  • Examined purchase and sale agreement for potential items of concern and addressed immediately.
  • Managed real estate closing process in compliance with applicable standards and legal requirements.

Escrow Manager/ Senior Escrow Officer

WFG National Title Insurance Company
05.2018 - 10.2020
  • Responsible for handling real estate transactions by establishing new escrow accounts, managing funds, processing documents for closings, and completing settlements in accordance with established policies and procedures
  • Serve as point of contact for all parties to the transaction including homebuyers, mortgage, accounting and other areas within the Title &
  • Settlement process -Communicates and explains complex information, including interdependencies within the team and others
  • Developed and maintained relationships with agents, lenders, customers and title partners
  • Achieved or exceeded financial goals on regular basis
  • Review escrow accounting reports and resolve any outstanding check or open file balance issues
  • Managed a team of five employees
  • Managed Critical dates to manage a timely closing
  • Hired & facilitated training for new employees
  • Supervising and Managing office support staff
  • Performed employees reviews, and payroll
  • Completes real estate escrow transactions by determining requirements; title defects, satisfying existing liens and encumbrances against property or principals
  • Completes closing transaction documents by assembling documents; reviewing paper with parties; explaining provisions and procedures; answering questions; checking documents for completeness and accuracy
  • Closes escrow by preparing final settlement statements, CD's, recordings and filing documents, and balancing and disbursing funds.

Escrow Manager / Escrow Officer

Stewart Title Insurance Company
06.2002 - 05.2018
  • Managed a team of seven employees -Excellent management skills including ability to step in and process files
  • Manage assigned tasking for yourself and support team
  • Outstanding customer service abilities with respect for strict client confidentiality
  • Developed organizational ability, strong interoffice communication skills and conflict resolution
  • Training, Supervising, and Managing Employees, New Hires
  • Maintaining executive calendars, scheduling meetings, and teleconferences
  • Improved office efficiency by creating and or maintaining precise filing system and/or databases and record keeping ensuring time-saving measures
  • Review new and current employee training and performance and counsel/reward as appropriate
  • Maintained thorough and current knowledge of all federal, state, and local regulations as well as internal policies and procedures -Ability to handle a case from open to close including but not limited to creating, organizing, acquiring payoffs, HOA's and maintaining coordinated conversations with all contact parties, reviewing Title Searches, preparing Commitments, title curatives, assisting lenders and/or borrowers to facilitate loan thru the underwriting process, balancing Hud's and CD'S.
  • Settlement Statements, disbursements, wire transfers, processing, recording, post closing, Shipping and Handling, Title Policies.
  • Proficient in researching, obtaining and calculating prorations and estimated escrows
  • Ensure proper handling of all funds and closings
  • Experience with Residential, Refinances, 1031 Exchange's, Short Sales
  • Manage more complex and larger dollar size transactions
  • Able to recognize complexity within a transaction and knows how to manage various components of a transaction due to depth and breadth of experience
  • Review escrow accounting reports and resolve any outstanding check or open file balance issues -Perform all other duties as assigned -Establishes escrow account by depositing funds; maintaining records
  • Order final title policies -Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.

Education

HIGH SCHOOL DIPLOMA - General Studies

Green Mountain High School
Lakewood, Co
05.1988

Skills

  • Knowledge of standard concepts, practices, and procedures within the escrow/title industry field
  • Good client relations and organizational skills
  • Detail-oriented and professional
  • Closing Support
  • Settlement Statements Preparation
  • Office Management
  • Teamwork and Collaboration
  • Real Estate Research
  • Title Policies Understanding

Certification

South Carolina Notary

Colorado Title Insurance License

Additional Information

  • 25+ years of title company escrow experience to facilitate closing process from acceptance of purchase contract through issuance of title insurance policy. Familiar with standard concepts, practices and procedure with in escrow and title industry. Completes property transactions while delivering high level of expertise and impressive customer service to clients. Organized and resourceful, with strong multitasking skills, including managing multiple computer programs, adept and handling high volume workload, completing time sensitive tasks efficiently and effectively. Possesses the ability to interpret contracts, can implement complex regulations, makes prompt appropriate decisions in varied environments. Accountable and detailed oriented with professional oral and written communication skills, along with demonstrated listening skills for the purpose of determining issues and problem solving. Demonstrated management skills to work effectively in a team environment and maintain a professional and positive manner. Dependable and reliable, ready to learn and grow with your company.

Timeline

Real Estate Paralegal

Grand Strand Law Group
11.2022 - Current

Senior Escrow Officer

First American Title Insurance Co
11.2020 - 09.2022

Escrow Manager/ Senior Escrow Officer

WFG National Title Insurance Company
05.2018 - 10.2020

Escrow Manager / Escrow Officer

Stewart Title Insurance Company
06.2002 - 05.2018

HIGH SCHOOL DIPLOMA - General Studies

Green Mountain High School

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Debra Stines