Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Denise Cumming

Denise Cumming

Parker,CO

Summary

Proven Sr. Escrow Officer with a track record of streamlining escrow processes at Stewart Title, enhancing closing efficiency for both residential and commercial properties. Expert in title document review and closing transactions, complemented by exceptional problem-solving abilities and customer service focus. Achieved significant reductions in closing timeframes through meticulous attention to detail and effective teamwork.

Overview

26
26
years of professional experience
1
1
Certification

Work History

Sr. Escrow Officer

Stewart Title
02.2018 - Current
  • Maintained strict adherence to regulatory requirements and industry best practices when handling sensitive client information and funds during the escrow process.
  • Prepared documents for closing and handled complete disbursement and follow up of escrow transactions.
  • Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
  • Followed industry standard escrow procedures and maintained awareness of regulations governing escrow process.
  • Returned executed loan packages to lender for review and approval in accordance with lender instructions.
  • Followed-up on status of releases, policies, and return of recorded documents.
  • Examined purchase and sale agreement for potential items of concern and addressed immediately.
  • Reduced closing timeframes for residential and commercial properties by streamlining escrow processes and coordinating with relevant parties.

Sr. Escrow Officer

Colorado Professionals Title
04.2011 - 02.2018
  • Maintained strict adherence to regulatory requirements and industry best practices when handling sensitive client information and funds during the escrow process.
  • Prepared documents for closing and handled complete disbursement and follow up of escrow transactions.
  • Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
  • Followed industry standard escrow procedures and maintained awareness of regulations governing escrow process.
  • Returned executed loan packages to lender for review and approval in accordance with lender instructions.
  • Followed-up on status of releases, policies, and return of recorded documents.
  • Set up escrow transactions, processed deposits and mailed out forms and preliminary title reports for review.
  • Reviewed escrow accounting reports and resolved outstanding check or open file balance issues.
  • Examined purchase and sale agreement for potential items of concern and addressed immediately.

FHA Coordinator

LPS Asset Management Solutions
02.2010 - 04.2011


  • Managed project timelines for successful completion, ensuring milestones were met and deadlines were adhered to.
  • Enhanced customer satisfaction by responding promptly to inquiries and addressing concerns professionally.
  • Coordinated contractors, resulting in seamless outcomes for getting properties ready to convey to HUD.
  • Supported successful project completion by meticulously reviewing and updating project plans to reflect changing needs and objectives.

Branch Manager

LandAmerica
06.2004 - 06.2008
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Maintained friendly and professional customer interactions.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.

Escrow Officer

LandAmerica Transnation Title
05.1998 - 06.2004
  • Managed multiple escrow accounts simultaneously, balancing financial transactions and minimizing risk of errors.
  • Prepared detailed settlement statements for each transaction, accurately reflecting funds received and disbursed.
  • Developed strong relationships with clients by providing exceptional service, earning repeat business and referrals.
  • Collaborated with real estate agents and lenders to expedite closing times on property sales.

Education

High School Diploma -

Temple Baptist Academy
Denver, CO

Skills

Real Estate Closing Processes

Closing Document Preparation

Escrow Standards

Title Document Review

Title Clearance

Loan Document Packages

Closing Disclosure

Mortgage Knowledge

Closing transactions

Document Preparation

Property Research

Funds Disbursement

Escrow management

Closing process expertise

Title requirements

Contracts understanding

Closing process management

Lender relations

Teamwork and Collaboration

Customer Service

Problem-Solving

Time Management

Attention to Detail

Leadership skills

Problem-solving abilities

Multitasking Abilities

Reliability

Excellent Communication

Customer service-focused

Organizational Skills

Adaptability and Flexibility

Decision-Making

Cash Handling

Relationship Building

Active Listening and Learning

Certification

Resident Producer (title) License

Colorado Department of Regulatory Agencies

Timeline

Sr. Escrow Officer

Stewart Title
02.2018 - Current

Sr. Escrow Officer

Colorado Professionals Title
04.2011 - 02.2018

FHA Coordinator

LPS Asset Management Solutions
02.2010 - 04.2011

Branch Manager

LandAmerica
06.2004 - 06.2008

Escrow Officer

LandAmerica Transnation Title
05.1998 - 06.2004

High School Diploma -

Temple Baptist Academy

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Denise Cumming