Michelle Zear
Washington
Summary
Professional with strong background in mortgage loan processing, adept at ensuring smooth and accurate closings. Known for strong focus on team collaboration, consistent reliability, and adaptability to changing needs. Expertise in document preparation, compliance, and customer communication, with keen eye for detail and results-driven approach. Ready to bring high standards and deliver impactful results.
Overview
19
19
years of professional experience
Work History
Mortgage Loan Closer
GreenState Credit Union
08.2020 - Current
- Checked loan documents for accuracy prior to closing.
- Coordinated post-closing activities such as disbursement of funds, recording deeds, and delivering final documentation to borrowers.
- Managed a high volume of loans simultaneously, prioritizing tasks efficiently to meet deadlines consistently.
- Collaborated with title companies for smooth and accurate execution of closing documents.
- Prepared all paperwork for loan package.
- Skilled at working independently and collaboratively in a team environment.
- Self-motivated, with a strong sense of personal responsibility.
Post Closing File Analyst/Funding Specialist
GreenState Credit Union/UICCU
12.2017 - 08.2020
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Managed time efficiently in order to complete all tasks within deadlines.
- Paid attention to detail while completing assignments.
- Organized and detail-oriented with a strong work ethic.
- Provided assistance with reconciliation of mortgage general ledgers
- Responsible for verifying and sending wire transactions.
- Issues all checks and posts general ledger entries related to the mortgage transactions. Funds all refinance loans after rescission period ends and issues all checks at that time.
- Oversees and maintains the accuracy of general ledger and check balancing associated with the funding of mortgage files. Responsible for researching any offages and any outstanding checks or requests from vendors requesting payment.
Senior Mortgage Loan Assistant
UICCU
08.2016 - 12.2017
- Contributed to team success by proactively assisting colleagues during high-volume periods or absences, ensuring uninterrupted service levels were maintained.
- Facilitated a smoother underwriting process by conducting comprehensive reviews of documentation and identifying potential issues for resolution prior to submission.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
- Supported underwriters, ensuring efficient workflow through timely submission of completed files.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Checked loan documents for accuracy prior to closing.
- Reviewed and validated details of loan applications and closing documentation.
Mortgage Loan Assistant II
UICCU
01.2016 - 08.2016
- Supported underwriters, ensuring efficient workflow through timely submission of completed files.
- Contributed to team success by proactively assisting colleagues during high-volume periods or absences, ensuring uninterrupted service levels were maintained.
- Explained different types of loans pertaining to client situations.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Worked with applicants to obtain missing details and verify information.
- Calculated income accurately, minimizing discrepancies that may lead to delays or denials in loan approvals.
- Facilitated a smoother underwriting process by conducting comprehensive reviews of documentation and identifying potential issues for resolution prior to submission.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
Mortgage Loan Assistant
UICCU
04.2006 - 01.2016
- Contributed to team success by proactively assisting colleagues during high-volume periods or absences, ensuring uninterrupted service levels were maintained.
- Supported underwriters, ensuring efficient workflow through timely submission of completed files.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Calculated income accurately, minimizing discrepancies that may lead to delays or denials in loan approvals.
- Expedited closings by coordinating effectively with title companies and attorneys throughout the settlement process.
- Demonstrated strong knowledge of various mortgage products available, enabling informed recommendations for best-suited options tailored to individual client needs.
- Collaborated with loan officers for seamless management of pipeline, resulting in improved processing times.
- Monitored full life cycle of loan from initial application to final funding.
- Monitored key dates to obtain information by deadlines.
- Updated all parties on regular basis regarding status of loan.
- Ensured compliance with federal and state regulations by keeping up-to-date knowledge of industry changes.
- Worked with applicants to obtain missing details and verify information.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Reviewed and validated details of loan applications and closing documentation.
- Managed pipeline efficiently, prioritizing tasks based on deadlines while consistently meeting performance targets.
- Consulted with outside vendors to identify and resolve loan closing issues.
Education
Associate of Applied Science - Accounting
Kirkwood Community College
Cedar Rapids, IA05-1996
Skills
- Writing and verbal communication
- Customer service and support
- Detail-oriented
- Client engagement and assistance
- Document review
- Multitasking Abilities
- Organizational skills
- Closing expertise
- Teamwork
- Time management
Timeline
Mortgage Loan Closer
GreenState Credit Union
08.2020 - Current
Post Closing File Analyst/Funding Specialist
GreenState Credit Union/UICCU
12.2017 - 08.2020
Senior Mortgage Loan Assistant
UICCU
08.2016 - 12.2017
Mortgage Loan Assistant II
UICCU
01.2016 - 08.2016
Mortgage Loan Assistant
UICCU
04.2006 - 01.2016
Associate of Applied Science - Accounting
Kirkwood Community College
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