Jamesa Moten
Red Oak,TX
Summary
Experienced financial professional with good administrative, relationship-building and interpersonal communication abilities. Well-versed in running fast, error-free closings with excellent multitasking, time management and prioritization skills. Dedicated to optimizing procedures to better serve customer and company needs.
Overview
12
12
years of professional experience
Work History
East Closing Manager
LoanStream Mortgage
12.2021 - 06.2022
- Developed and implemented new or updated mortgage lending policies and procedures through periodic evaluation of existing processes; makes necessary improvements to ensure compliance with governmental rules and regulations
- Provided leadership to Mortgage Department through effective communication and direction; conducted weekly pipeline meetings to discuss active loans, policy and procedure changes, and areas for improvement
- Delivered performance feedback to include development plans and performance goals and objectives; clearly communicates department expectations
- Trained and developed Mortgage Department staff to perform at optimal level
- Conducted training sessions and cross trained as appropriate for department coverage
- Recommended and maintained appropriate staffing levels to balance service needs and operational expenses
- Managed department work schedules and coverage to include approving timesheets and vacation requests for department
- Processes and funds all employee loans
- Ensured pipeline is managed efficiently and loans are assigned and worked in timely manner
- Responsible for effective and efficient completion of mortgage lending functions in accordance with established policies and procedures assuring deadlines are met.
East Coast Divisional Manager
Orion Lending
08.2020 - 12.2021
- Directed day-to-day management, attendance, training, hiring, and performance reviews for closers and funders
- Interfaced professionally with mortgage loan officers, and underwriters to ensure successful close
- Elevated service levels for customers by assisting in the application process, overseeing all mortgage loan closings, and completing all post-closing requirements quickly
- Ensured future salability and quality control of residential mortgage loans and refinances by adhering to all lender underwriting guidelines and federal and state regulations
- Examined and implemented closing processes as required to maintain accurate loan files, settlement statements, and closing documents
- Trained new remote closers
- Resolved all closing related issues involving internal and external customers
- Monitored management reports.
- Cross-trained existing employees to maximize team agility and performance.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Delivered exceptional results despite challenging market conditions by staying agile and adapting strategies accordingly.
- Established performance goals for employees and provided feedback on methods for reaching those milestones.
Closing Manager
Caliber Home Loans
01.2016 - 08.2020
- Manage group of 15 local closers and team of 15 offshore funders
- Ensure all loan closing staff conduct thorough and adequate due diligence on all deals and maintain integrity and accuracy of all loan documentation and data
- Coordinate day to day operations by organizing workflow, monitoring work assignments, volumes, distribution, and workload to ensure that work is being completed in timely manner and that expectations of both client and business partners are met
- Facilitate communication and partnerships between Loan Closing staff and other areas
- Serve as first contact in escalation path on issues and help to resolve questions that may arise between team members
- Conduct employee development engagements and activities, performance reviews.
Sr. Loan Closer / Funder
Caliber Home Loans
07.2015 - 01.2016
- Prepare closing documents for title
- Review and audit final closing disclosure versus original closing disclosure for any changes
- Check to make sure closing disclosure meets RESPA and Reg Z guidelines
- Ensure all funding and underwriting conditions have been satisfied
- Coordinate collection of any missing or unsatisfied conditions with closing agent and broker/processor/loan coordinator
- Authorize release of funds to closing agent once all reviews and audits are complete
- Assist with training of new employees.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Developed strong relationships with lending institutions and title companies, facilitating seamless loan closures.
- Developed and maintained strong sales pipelines with qualified leads.
Sr. Mortgage Closer
Sutherland Global Services
06.2013 - 06.2015
- Review and audit required closing documents from closing agent
- Ensure all funding and underwriting conditions have been satisfied
- Review and audit final HUD-1 versus original HUD-1 for any changes
- Check to make sure HUD-1 met RESPA and Reg Z guidelines
- Coordinate collection of any missing or unsatisfied conditions with closing agent and broker
- Authorize release of funds to closing agent once all reviews and audits are complete.
- Managed high volume of loans, maintaining strict deadlines and prioritizing tasks effectively.
Loan Closer / Funder
NationStar Mortgage
06.2012 - 06.2013
- Pulled pertinent information from loan docs
- Prepared closing instructions for closing agents
- Review HUD-1 for accuracy and RESPA and Reg Z regulations and guidelines
- Performed data entry to update information in system to match HUD-1
- Reviewed closing documents for accuracy and released to closing agent
- Made sure all conditions are met
- Request release of funds for funding.
Post Closing Manager
Capital One Bank
11.2010 - 06.2012
- Manage daily operations of post-closing workflow pipelines, procedures, and personnel.
- Manage aged inventory and loans held for sale pipeline to ensure loans are sold within SLA and team meets commitment timeframes.
- Serve as escalation for critical loan issues. Resolve problem loans to minimize losses to organization. Provide strategic decisions to best cure deficiencies.
- Identify root cause of process deficiencies and provide solutions to staff and management to ensure elimination of errors during manufacturing to post-closing.
- Lead, train, and educate staff to achieve goals and maximum success for company and employees.
- Evaluate Post-Closing processes to improve salability of loans, decrease cycle-time of suspended loans, and increase first-look purchased rate.
- Communicate changes to policies and procedures.
- Supervise Post-Closer employee's attendance, production, work quality, conduct, development and complete performance reviews.
- Provide reporting to management of performance factors and other department managers as needed.
- Keep informed of current industry standards, laws, regulations and compliance.
- Accomplished multiple tasks within established timeframes.
- Established team priorities, maintained schedules and monitored performance.
Education
High School Diploma -
North Dallas High School
Dallas, TX06.1987
Skills
- Problem-solving
- Risk Management
- Reporting
- Documentation
- Mortgage Lending Laws/regulations
- Analytical Skills
- Microsoft Office
- Time Management
- Ability to Multi-task
- Training
- Internal Audit
- Interpersonal Written / Verbal Communication Skills
- Attention to Detail
- Post-Close Review
Timeline
East Closing Manager
LoanStream Mortgage
12.2021 - 06.2022
East Coast Divisional Manager
Orion Lending
08.2020 - 12.2021
Closing Manager
Caliber Home Loans
01.2016 - 08.2020
Sr. Loan Closer / Funder
Caliber Home Loans
07.2015 - 01.2016
Sr. Mortgage Closer
Sutherland Global Services
06.2013 - 06.2015
Loan Closer / Funder
NationStar Mortgage
06.2012 - 06.2013
Post Closing Manager
Capital One Bank
11.2010 - 06.2012
High School Diploma -
North Dallas High School
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