Enovi Molina-Chevez
Somerset Regal Bank
Bridgewater,NJ
2
Languages
1
Certification
6
years of professional experience
Results-driven banking, lending, real estate, and corporate law professional with over 10 years of experience, including 5 years in loan origination and 5 years as a paralegal specializing in real estate and corporate law. Expertise encompasses residential and commercial transactions, lending, LLCs, corporations, document processing, and regulatory compliance, ensuring efficient operations and timely closings.
Work History
Sr. Secondary Loan Closing Specialist
- Address client inquiries and provide timely updates to enhance customer satisfaction.
- Coordinate communication among lenders, title companies, and borrowers to streamline closing processes.
- Review closing documents for accuracy and regulatory compliance.
- Verify loan conditions were satisfied before proceeding with closing transactions.
- Manage timelines to achieve timely closings in high-pressure situations.
- Maintain up-to-date knowledge of various loan products and compliance regulations.
- Mentor new employees on best practices for closing procedures and compliance standards to enhance team competency.
- Share expertise in mortgage processes and documentation to assist team members in achieving compliance.
- Communicate with clients to address inquiries and provide updates.
Sr. Secondary Loan Processing Specialist
2 Years 9 Months- Managed secondary market transactions, ensuring timely loan processing and funding/closing to investors.
- Managed loan locks and updated loan disclosure documents to ensure compliance with changing loan terms.
- Oversaw the management of loan locks to ensure compliance. Prepared updated loan disclosure documents for any changes to the loan terms.
- Prepared Loan Estimate, Loan Disclosures and Needs List with requested income/asset documents.
- Interacted with team members, lenders, and borrowers to submit advance documentation per Needs List.
- Reviewed appraisal reports for first mortgages and equity loans, including single-family, multi-family and condominium reports.
- Processed and underwrote loan products, maintaining compliance with Fannie Mae DO findings.
- Served as the primary backup to the Loan Originations Manager.
Life Insurance Premium Financing Paralegal
1 Year 1 Month- Drafted and circulated loan closing documents for review and approval by internal C&I underwriting and commercial loan closing teams, ensuring compliance and timely processing.
- Analyzed deeds of trust to verify grantor, grantee, trustee and loan amounts for executive leadership. Additionally, analyzed corporate documents to verify membership and titles.
- Facilitated communication with C&I underwriting and commercial loan closing teams, enhancing collaboration for efficient loan closings.
- Coordinated preparation of customer-specific forms, including CIP, entity checklists, certification forms, regulatory disclosure rooms, and confirmation notices, streamlining documentation processes.
Mortgage Loan Closer
1 Year- Managed file progression throughout closing process, addressed borrower inquiries, and maintained regular communication with all parties involved.
- Confirmed funding instructions provided by disbursement agent and ensured pre-funding requirements were completed prior to initiating wires.
- Conducted due diligence for all closings and loan advances, confirming interest payments, balancing CDs, and ensuring timely payments for taxes and insurance.
- Executed employment verifications and OFAC checks, ensuring compliance with pre-closing requirements.
- Performed employment verifications and OFAC checks to clear pre-closing requirements.
- Assessed release considerations and issued partial release letters or modification documents to enable efficient loan processing.
- Coordinated with supervisor to troubleshoot escalated concerns and exception requests.
Loan Closing Specialist
1 Year 2 Months- Reviewed and cleared pre-closing bank conditions, title binders, surveys, and insurance policies for accuracy, mitigating potential closing issues.
- Managed loan closing pipeline using Excel and provided weekly updates on upcoming closings to enhance team awareness and preparedness.
- Coordinated ordering of title searches, real estate surveys, zoning reports, and environmental and property condition reports to ensure comprehensive due diligence.
- Confirmed funding instructions from disbursement agent and ensured completion of all funding requirements.
Education
Bachelors of Arts - Political Science Major, Spanish Minor
Skills
Loan processing
Loan closing
Loan workflow management
Origination systems
Loan compliance
Document management
Regulatory Compliance
Document Review & Management
Credit Analysis
Contract Analysis
Mortgage Regulations
Issue resolution
Effective communication
Financial calculations
Process efficiency
Document systems
Certification
- Notary Public Commission — State of New Jersey | Commission valid through May 2029
- Perform and oversee notarization and certification of legal documents for virtual and in-person loan closings.
- Ensure compliance with applicable state and federal notary regulations and transaction requirements.
- Maintain a high level of accuracy in document processing, execution, and notarization.
- Effectively manage complex signing requirements and resolve documentation issues to support timely closings.
LANGUAGES
English, Native — Verbal and Written
Spanish, Native — Verbal and Written
PROFESSIONAL STRENGTHS
- Analyze and resolve complex issues with minimal supervision.
- Quickly learn and implement new systems, concepts, and procedures.
- Research and obtain information necessary to complete complex tasks and projects.
- Identify process inefficiencies and recommend opportunities for improvement.
- Communicate effectively with internal teams, clients, and other stakeholders.
- Demonstrate strong attention to detail, accuracy, and regulatory compliance.
Timeline
Sr. Secondary Loan Closing Specialist
Somerset Regal Bank
08.2026 - CurrentRead More
Sr. Secondary Loan Processing Specialist
Somerset Regal Bank
10.2023 - 07.2026Read More
Life Insurance Premium Financing Paralegal
Peapack Private
08.2022 - 09.2023Read More
Mortgage Loan Closer
Peapack Private
07.2021 - 07.2022Read More
Loan Closing Specialist
Somerset Regal Bank
04.2020 - 06.2021Read More
Rutgers, The State University of New Jersey
Bachelors of Arts from Political Science Major, Spanish Minor
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