Jacob Komara

Results-driven professional with 20 years of experience supporting mortgage, finance, sales, and IT support functions across diverse industries, including banks, mortgage companies, and custom furniture manufacturers. Proficient in auditing mortgage files from origination to servicing, ensuring compliance and accuracy. Demonstrated ability to consistently deliver high-quality work, streamline processes, and foster collaboration among cross-functional teams. Seeking new opportunities to leverage extensive knowledge and skills in different industries.

• Conventional Post Closing
• Regulatory Compliance Auditing
• FHA / VA Post closing
• Client / Lender Relations
• Borrower Outreach
• Bridge/ Construction/ Fix & Flips
• Strategic Analysis
• Encompass
• Wire/Fundings
• Underwriting
• Closing
• Calyx Point
• Quality Control
• Salesforce
• MS Office

• Closer - Funder - Post Closer, Bond Street Mortgage, Lake Worth, FL, 06/01/21, Present, Review Title, Homeowners Insurance, TRID, Appraisal, Entity docs are within compliance for CTC, Stack and audit closed loan conventional/FHA/VA files to ensure timely delivery to investors within 48 hours., Respond to investor suspense items to ensure timely loan purchases., Communicate with investors to rebut erroneous findings on qualified loans., Work with members of the underwriting/processing team to resolve underwriting or documentation suspense questions or deficiencies by prescribed deadlines., Review conditions on Jumbo, Government (FHA, VA, USDA, DSCR, Construction) and Agency (Fannie Mae and Freddie Mac) loans and work with investors to resolve discrepancies in interpretation of guidelines., Review final closing package and issue authorization for funding, Review more complex loans, Jumbo and high net worth borrowers, Generating loan docs and reviewing for accuracy, Able to follow AUS findings as well as manually underwritten loans., Research guideline questions and scenarios with our Correspondent investors., Keep up-to-date on agency/non-agency guidelines and internal policy and procedures, Maintain accuracy of post-closing status dates in the loan origination system for accurate reporting., Clearing underwriting conditions for CTC, Coordinating and scheduling closings with borrower and title company
• Underwriter and Compliance Officer (QC), Dominion Mortgage, Lake Worth, FL, 06/01/18, 06/01/21, Perform underwriting and quality control DSCR loan file reviews of loan files prepared and underwritten by processors from origination to funding., Make sure all loan files are within specific investor guidelines and issue conditions for processors to clear., Re-review any issues found during audit and review files for compliance under investor guidelines., Created policy and procedures to ensure all audits are within compliance., Funding Authorization - perform a final review of signed closing package to ensure all docs are signed and any pre-funding conditions are cleared., Underwriting review includes reviewing Entity docs, OFAC, Foreclosure, Credit Report, Background report, Title, Insurance, closing docs, settlement statements, fund sheets, Bank Statements, Leases, E&O, Loan Applications, ID's
• Closing & Post Closer, Guaranteed Rate Inc, Lake Worth, FL, 06/01/16, 06/01/18, Collected and reviewed documents in a timely manner to prepare files for closing and ensure compliance with investor guidelines., Reviewed title, appraisal, homeowners, purchase contract, and payoffs., Prepared initial closing disclosures within Respa timeframes using Encompass software., Prepared files for sale to investors by gathering all necessary documentation to satisfy investor conditions for loan clearance., Communicates with Division Manager to establish accurate monthly closing projections at the beginning of every month., Participates and comes prepared for weekly status meetings., Communicates constantly with lenders for status to ensure all documents, etc. are complete and the loan is progressing properly., Communicates with buyer and lender to ensure everything that is needed is obtained in the timeframe needed., Communicates weekly with construction team on the progress of the home to ensure completion and CO is obtained on time., Communicates with Closing Attorney/Title Agent weekly on the progress of each closing, Schedules closings with the Attorney/Title Agent and buyer., Communicates constantly with management on issues that may prevent closing on time., Generates weekly closing status report on number of closed homes for the month, homes scheduled to close, and homes in play that are not yet scheduled to close with copies to Division Manager, Regional Sales VPs, and Region President.
• Mortgage Loan Closer | Post Closing, Capital One Bank, Bethesda, MD, 01/01/04, 01/01/08, Supported FHA/VA Department and Retail/Wholesale Post Closing processes, including audits., Calculated aggregate escrow with disclosures and leveraged Access database to track issues., Liaised with settlement agents, processors, and closures to ensure compliance with Chevy Chase, Fannie Mae, and Freddie Mac guidelines., Prepared Note, Mortgage, and Truth in Lending disclosures., Reviewed HUD-1 settlement sheets, Truth in Lending, and Right to Cancel., Awarded for outstanding performance as a 'Leading Post Closer.'
• Mortgage Processor Post Closing | Operations, Chase Home Finance, Gaithersburg, MD, 01/01/02, 01/01/04, Supported loan closure process, including audits., Performed high-cost test and APR sheets verification., Verified loans were closed, funded, and shipped to the National Post-Closing Center within 48 hours., Tracked issues on a weekly basis using Excel and Lotus.
• Servicing Team Lead, Wells Fargo, Frederick, MD, 01/01/00, 01/01/02, Supported mortgage holders, title companies, and attorneys in a high-volume inbound call center., Modified, researched, and updated customer accounts., Actively handled high-profile accounts., Consistently adhered to strict investment guidelines for mortgages., Recognized with an award for achieving a 98% job performance rate, ranking 2nd in the company.
• Sales | Commercial Contracts, Country Casual, Ltd., Gaithersburg, MD, 01/01/08, 01/01/16, Supported high end outdoor patio custom furniture manufacturer in commercial sales, administrative operations, quality control and logistics / tracking., Optimized administrative operations by importing web order to a large-scale database., Continually met company standards by performing ongoing quality assurance practices., Developed + Implemented internal courier tracking system for all orders.