Summary
Overview
Work History
Education
Skills
Timeline
CustomerServiceRepresentative

Denise Aguilar

Hermosa Beach,CA

Summary

Looking to become a productive member of a growing organization where I can contribute by utilizing my skills and background, and to have the opportunity to enhance my skills and obtain sufficient experience for further advancement. I am a talented bilingual Senior Closer who is well-versed in loan closing processes with 14 years of experience and I have maintain full calendar of closings and easily handle minimum of 250 to a maximum of 575 per month with a proven record to close 90% of my portfolio.


Overview

15
15
years of professional experience

Work History

Senior Closer

Solidifi
03.2020 - 05.2022
  • Facilitated the closing portion of the transaction by coordinating with lenders.
  • Prepare the closing statements utilizing business partners for data entry and initial quality control functions.
  • Communicate heavily with lenders and other departments internally to ensure transaction deadlines are met.
  • Collaborated with lenders, agents and legal professionals to resolve transactional and title issues.
  • Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
  • Reviewed titles, insurance, and flood zone certifications to meet closing standards for each property.
  • Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
  • Validated and audited final signed documents in accordance with state, county and investor guidelines.
  • Verified government-backed loans followed strict agency guidelines.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Monitored pipelines to track and log status of loans.
  • Compiled closing packages for drafting and presentation accuracy.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.

Senior Closer

Mr. Cooper At Title365
03.2018 - 03.2020
  • As team lead assisted VP with review of new candidate resumes.
  • Interviewed potential employees with the Management team.
  • Work off of 4 Ques, 701/Chasing Doc Que for BofA and Freedom Mortgage, which consist of chasing pending docs for upcoming closings.
  • 735 Rejected docs Que for the lender BofA and Freedom.
  • Abstract and audit closing packages that have been rejected with a future closing date.
  • 737 Pre Audit Que for BofA and Freedom, perform a pre audit on the signed closing package from the closing table in preparation for funding.
  • 707 Disbursement Que for BofA and Freedom, correct any disbursement errors. Prepare CD, and balance signing dates and figures with the lender.
  • Prepare loan documents and ensure the closing package is complete.
  • Work with Title Officer/Curative Department to clear any title issues on transactions under contract.
  • Updated Alta’s as needed per the Lender Instructions, and update the Closing Disclosure accordingly.
  • Upload closing documents in notary website in preparation for closing.
  • Balance and disburse files and sent the Ok to release and record to Title.
  • Demonstrate outstanding attention to detail and interact extensively with business team, management, title and borrowers on issues relating to each closing to ensure each transaction is executed in a timely manner.

Jr. Escrow Officer

Loan Depot
09.2014 - 02.2018
  • Managed a minimum of 265 files and a max of 625 files with diligent accuracy.
  • Kept a status of top 3 Closers on monthly basis by closing 90% of my portfolio.
  • Manage the process for complex transactions, involving multiple parties, clearing title and work with the title department to achieve a resolution on any discrepancies attached to the property and borrowers.
  • Monitored pipelines to track and log status of loans.
  • Open new orders in Loan Depot system Softpro and Empower by inputting and updating system with borrower information, property address, loan number, escrow number etc.
  • Order payoffs, releases, zero demands, satisfaction letters, matured installments for judgments and liens as needed.
  • Updated payoff figures in SoftPro in preparation for the Estimated Alta.
  • Updated Alta’s as needed per processors Lender Instructions, Closing Disclosure and or Fee Sheet.
  • Upload closing documents in notary website in preparation for closing.
  • send out OTR’s (ok to record) to Title, receive Final Closing Figures from Title and balancing and disbursing files.
  • Resolve any post closing issues as needed.

Auditor

LSI Local Solutions
03.2012 - 08.2014
  • Received and executed pending funding conditions from lender (Provident).
  • Revised/updated estimated huds/alta's as needed
  • Developed auditing program to address risks and evaluate regulatory requirements.
  • Participated in interviews, performed observations and evaluated pertinent information to supplement audit findings.
  • Performed strategic planning, execution and finalization of audits.
  • Verified taxes using NETRONLINE or by calling the county tax collector’s office.
  • Audit lender documents, and worked with funding team to clear any discrepancies to avoid delays in closing.
  • Planned and executed audit phases and data input into LSI main software for analysis.
  • Produced and reviewed audit reports for submission to inspector general and advised on audit recommendations and internal controls.
  • Developed and enforced audit policies and administrative and technical functions.
  • Kept account managers and executive team updated with all closing dates.

REO Closer

First American Title
01.2010 - 02.2012
  • Maintained checklists of required documentation and open issues affecting closings.
  • Collaborated with lenders, agents and legal professionals to resolve transactional and title issues.
  • Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
  • Worked with Asset Management Company, Listing/Selling Agents on any extension, addendums, or amendments needed to ensure a smooth closing.
  • Worked on 4 reports on a daily basis which included a 3 day report, stale dated report, EMD release repost and a final hud report to maintain our teams percentage at a 90%.
  • Updated First Americans main system Windtrack daily with any email, notes etc. for accuracy and future auditing purposes.
  • Provide Fannie Mae with recording confirmations from Escrow on a daily basis.
  • Provided final hud package to Fannie Mae within 24 hrs of recording which included, the final hud, wire confirmation, waiver/release and tax proration’s fully executed by the borrower.
  • Worked with client (Fannie Mae) to clear any post closing issues as needed.

REO Closer

Carrington Mortgage Services
08.2008 - 01.2010
  • Kept a status of top 5 Closers on monthly basis by closing 90%
  • Ordered deeds of trust from our escrow department and had our VP sign off on the DOT.
  • Coordinate upcoming closings needs with processing manger.
  • Schedule closing dates with title company, listing agent, seller agent, attorneys and borrowers.
  • Supply closing package for table funding’s to title in a timely manner.
  • Obtain estimated hud for review from our escrow department.
  • Made revisions as necessary and approve final huds prior to closing.
  • Conducted pre-funding and funding activities for over 450 monthly transactions.
  • Produced and submitted completed loan packages to title and escrow professionals.
  • Kept executive team updated with all closing dates.

REO Closer

Chase Home Finance
05.2007 - 08.2008
  • Review title commitment to determine exemptions which must be cleared prior to closing.
  • Assist with execution of deeds, grant deeds, special warranty deeds, affidavits etc.
  • Obtain recording information from county recorder’s office.
  • Order and review necessary surveys and correlate current surveys to property description ensuring accuracy.
  • Ensure appraisal and inspections are complete in timely manner prior to closing.
  • Fund every transaction per company policies.
  • Interact extensively with business team, management, title and escrow company on issues relating to each closing to ensure each transaction is executed in a timely manner.
  • Kept a status of top 3 Closers on monthly basis by closing 90% of my portfolio which included 400 files.

Education

Associate of Science - Criminal Justice

Fullerton College
Fullerton, CA
06.2006

Skills

  • Proficient in Microsoft Office Programs including Word, Excel, Power Point and outlook Knowledge of REO Trans, Equator, Mortgage Serve, Microsoft Office XP, Microsoft Office 2000, MS Access 97, XP, Lenstar, Alltell Workspace, Vision, Linx, Lotus Notes, DRI, AS 400, ELS, Softpro, Empower, Impact/SQL Escrow, (Novare system), Smartview, Citrix, Snap docs, RBJ Soft- ware, DocuSign, Sales Force, MLH (My Land Home) and Resware Application

Timeline

Senior Closer

Solidifi
03.2020 - 05.2022

Senior Closer

Mr. Cooper At Title365
03.2018 - 03.2020

Jr. Escrow Officer

Loan Depot
09.2014 - 02.2018

Auditor

LSI Local Solutions
03.2012 - 08.2014

REO Closer

First American Title
01.2010 - 02.2012

REO Closer

Carrington Mortgage Services
08.2008 - 01.2010

REO Closer

Chase Home Finance
05.2007 - 08.2008

Associate of Science - Criminal Justice

Fullerton College

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