Heather Kershaw
Rio Linda,CA
Summary
Talented Closer well-versed in loan closing processes and documentation requirements. Maintain full calendar of closings and easily handle more than 80 per month. Keep paperwork organized for smooth closings.
Overview
13
13
years of professional experience
Work History
Closer
Goodleap
Roseville, CA
07.2015 - 05.2022
- Prepared preliminary Closing Disclosure (CD) and any Change of Circumstance CD for review by borrower(s).
- Verified CD amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Produced and submitted completed loan packages to title and escrow professionals.
- Validated and audited final signed documents for funding in accordance with state, county and investor guidelines.
- Verified government-backed loans followed strict agency guidelines.
- Reviewed titles, insurance, and flood zone certifications to meet closing standards for each property.
- Collaborated with Underwriters, Loan Officers, Processors and/or escrow to resolve transactional and title issues.
- Handled as many as 115 closing files each month by effectively organizing, multitasking and prioritizing closing work.
Closer
PennyMac
Sacramento, CA
06.2017 - 07.2018
- Prepared preliminary Closing Disclosure (CD) and any Change of Circumstance CD for review by borrower(s).
- Verified CD amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Produced and submitted completed loan packages to title and escrow professionals.
- Validated and audited final signed documents for funding in accordance with state, county and investor guidelines.
- Verified government-backed loans followed strict agency guidelines.
- Reviewed titles, insurance, and flood zone certifications to meet closing standards for each property.
- Collaborated with Underwriters, Loan Officers, Processors and/or escrow to resolve transactional and title issues.
- Handled as many as 80 closing files each month by effectively organizing, multitasking and prioritizing closing work.
Closing Coordinator/Closer
EverBank
Rancho Cordova, CA
12.2012 - 09.2013
- Produced and submitted completed loan packages to title and escrow professionals.
- Reviewed titles, insurance, and flood zone certifications to meet closing standards for each property.
- Collaborated with Underwriters, Loan Officers, Processors and/or escrow to resolve transactional and title issues.
- Handled as many as 80 closing files each month by effectively organizing, multitasking and prioritizing closing work.
Sr Escrow Assistant
North American Title
Sacramento, CA
09.2004 - 02.2008
- Opened incoming orders and set up escrow files.
- Obtained documents such as proof of insurance, payoffs and HOA statements.
- Maintained open communication with lenders, escrow and borrowers.
- Scheduled closing appointments for borrower or arranged for delivery of documents for out of area closings.
- Prepared estimated closing statements for borrowers.
- Checked signatures on signed loan documents for accuracy and integrity.
- 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.
- Helped managed one million dollar reverse mortgage desk's closing process in compliance with applicable standards and legal requirements.
Escrow Assistant
Old Republic Title
Sacramento, CA
08.2003 - 08.2004
- Opened incoming orders and set up escrow files.
- Obtained documents such as proof of insurance, payoffs and HOA statements.
- Maintained open communication with lenders, escrow and borrowers.
- Scheduled closing appointments for borrower or arranged for delivery of documents for out of area closings.
- Prepared estimated closing statements for borrowers.
- Checked signatures on signed loan documents for accuracy and integrity.
- 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.
- Managed closing process in compliance with applicable standards and legal requirements.
Education
Associate Degree in Paralegal Studies - Law
MTI College
Sacramento, CASkills
- Professional work ethic
- Works effectively as member of team or independently
- Self starter
- Time management skills
- Strong commitment to accuracy
- Represent company with professionalism and pride
- Thrives in fast paced environment
- Proven customer service skills
Timeline
Closer
PennyMac
06.2017 - 07.2018
Closer
Goodleap
07.2015 - 05.2022
Closing Coordinator/Closer
EverBank
12.2012 - 09.2013
Sr Escrow Assistant
North American Title
09.2004 - 02.2008
Escrow Assistant
Old Republic Title
08.2003 - 08.2004
Associate Degree in Paralegal Studies - Law
MTI College
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