Felicia Brown

Coordinated communication with loan processors, borrowers, and loan officers as needed.

• Checked loan file data for accuracy and alignment with lock and MI records as applicable.
• Confirmed loan scheduling with title companies.
• Prepared and sent closing figures and documents to title companies.
• Drew closing documents and assembled borrower packages.
• Completed required compliance testing.
• Checked CD signatures and coordinated prompt return of signed copies to meet closing deadlines.
• Prepared wire and journal vouchers and released closing packages for execution.
• Reviewed executed closing packages for completeness, prepared disbursement packages, and completed registrations.
• Reviewed underwriting conditions and obtained required clearance for closing or documented outstanding conditions.
• Reviewed completed loan closing documents for quality control and full execution.
• Reviewed e-folders and compiled documentation for investor-specific requirements to support submission for review.
• Shipped closed loan files, notes, and final documents to investors upon receipt.
• Verified closing file compliance with internal and external requirements.
• Followed up with closers, MLOs, loan processors, underwriters, title companies, and attorneys for missing or required documentation.
• Finalized and activated private mortgage insurance certificates.
• Completed insuring for FHA, VA, or applicable loans.
• Completed MERS information.
• Monitored investor suspensions, requested documentation needed to resolve suspension conditions, and uploaded supporting items to investors.
• Paid upfront government premiums.
• Prepared purchase advice and monitored mortgage ledger.
• Confirmed all loans were properly boarded.
• Monitored closed loan pipeline daily to support timely investor purchases.
• Completed all Encompass milestones through file completion.
• Maintained closing and post-closing procedures to stay current.
• Supported team objectives through additional assigned tasks.
• Reviewed Enterprise Bank & Trust loan files for post-closing completeness.
• Verified executed documents against closing instructions and bank requirements.
• Tracked missing collateral items and requested corrected paperwork.

• Reviewed final approved HUD documents against deposits and payables to confirm accurate disbursement figures.
• Advised fulfillment when funds were ready for disbursement.
• Tracked funding pipeline to keep files funded on time and aligned with SLA requirements.
• Balanced file and cleared differences with fulfillment closer or accounting department; signed off on check and file ledger after balance was complete.
• Opened escrow accounts by depositing funds and keeping records in compliance with escrow laws; audited trust ledgers and issued checks and wires to proper payees.
• Performed required calculations, including prorated taxes and interest.
• Revised HUD based on lender instructions.
• Monitored incoming and outgoing checks and wires not cleared on time by generating and analyzing required reports.
• Coordinated title production processes with underwriting, sales, and customer service teams.
• Supervised day-to-day workflow of employees to maximize productivity and maintain quality standards.
• Supported teams of 10 to 20 employees, conducted interviews, hired new employees, and completed performance reviews.
• Served as subject matter resource for team and resolved complex matters.
• Worked with other departments to identify and resolve process gaps.
• Resolved customer complaints promptly while keeping customer satisfaction at optimal levels.
• Built strong operational teams to meet process and production demands.
• Monitored and improved process efficiency, team performance, and customer service.
• Assessed employee development needs and provided feedback on progress toward goals.
• Identified deficiency areas and performed root-cause analysis to solve problems.
• Kept compliance with safety regulations and maintained safe work environment for all personnel.
• Coordinated with sales, marketing, finance, and human resources to keep operations efficient.

• Executed loan decisioning by analyzing income, credit, assets, and property to ensure compliance with lending standards.
• Review and underwrite conventional (FNMA & FHLMC), USDA, VA, and FHA loans.
• Conducted verification of pre-purchase mortgage loans and confirmed adherence to company and secondary market standards.
• Obtained certification in appraisal review, ensuring compliance with regulations and guidelines. Created title files, cleared liens, and prepared closing documents for customers, verifying files for final disbursement.
• Led team of title associates for 10 years, overseeing processing, closing, and accounting tasks to ensure efficient operations.

• Processed, audited, and closed loans for loan officers throughout the loan cycle, ensuring compliance and accuracy.
• Closed loans accurately by the deadline, providing audited files for efficient post-closing processing.
• Collected and checked required records, including tax returns, bank statements, income verification, appraisals, and credit reports.
• Analyzed financial documents to calculate borrower debt-to-income ratio for loan approvals.
• Examined credit history and financial information to verify borrower qualifications for loans.
• Collected and organized borrower documents for loan completion, streamlining paperwork for final review.

• Prepared closing statements and communicated with borrowers throughout the process to facilitate smooth transactions.
• Collected mortgage loan documents, including credit reports, land surveys, building appraisals, and insurance, to ensure thorough loan processing.
• Calculated loan-to-value ratios and income amounts while reviewing appraisals.
• Supported mortgage loan file prep by reviewing loan applications.