Encompass
Jessica Toy Delgado
Mortgage Professional
FTW,TX
Summary
Well-qualified administrative team member bringing demonstrated knowledge and abilities in loan processing. Effective at organizing paperwork, resolving discrepancies and working with third-party vendors to clear issues and completing closings. Proficient in Mortgage Closing/Funding & Document Specialist with high knowledge in standards and regulations.
Overview
11
11
years of professional experience
Work History
Document Specialist
Newman & Lawler PLLC
04.2022 - 09.2023
- Maintained and multitasked heavy volume with Wells Fargo Account of 50-90 loan monthly
- Input and Proof-reading files for accuracy and guidelines for Texas
- Enhanced document organization by implementing a comprehensive filing system for easy access and retrieval.
- Reviewed Purchases, Refinances, Home Equity, and VA Loans
- Reduced errors in documentation by conducting thorough quality checks and proofreading tasks prior to submission.
- Prepared Warranty Deeds and released and invoices
- Worked in the Review Area of the firm- reviewed closings for various lenders and released attorney documents for closings
- Worked in the Title area of the firm- reviewed and created documents need for title to close including warranty deeds and releases
- Ability to analyze and comprehend complex financial data and provide financial alternatives
- Ensured compliance with company policies and industry standards, maintaining meticulous attention to detail in all document-related tasks.
- Managed high volumes of documents efficiently, prioritizing tasks according to deadlines and project requirements.
Mortgage Closer
American Financial Network Inc.
01.2018 - 07.2021
- Monitored pipelines to track and log status of loans. 50-90 loans monthly.
- Maintained checklists of required documentation and open issues affecting closings.
- Organized and prioritized multiple loan files simultaneously, maintaining strict deadlines to meet client expectations.
- Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues.
- Collaborated closely with underwriters, processors, and title companies for seamless loan closing experiences.
- Maintained compliance with federal and state regulations, ensuring each mortgage transaction adhered to established guidelines.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Increased accuracy in calculating escrow amounts by implementing improved data entry techniques and double-checking computations.
- Coordinated scheduling of closings between buyers, sellers, attorneys, and lenders for smooth transaction experience.
- Reviewed executed documents thoroughly post-closing to ensure completion of required forms before final submission to investor or servicer partners.
- Balanced funding sheets accurately, verifying that all financial figures were correct before disbursing funds to appropriate parties.
- Organized and prioritized multiple loan files simultaneously, maintaining strict deadlines to meet client expectations.
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Enhanced customer satisfaction with timely and accurate mortgage closings, maintaining professional demeanor throughout process.
- Improved loan closing efficiency by streamlining document preparation and verification processes.
Closer
Gateway Mortgage, LLC.
01.2017 - 01.2018
- Managed daily Queue
- Closed 45-50 Loans monthly
- Similar responsibilities as mentioned in the previous role with a focus on mortgage lending.
Sr Closer/Funder
Pacific Union Financial LLC.
07.2016 - 01.2017
- Closed 75-80 loans monthly
- Preparing loan document packages, obtaining signatures from right parties, providing proper disclosures at appropriate time, and maintaining accurate documentation
- Expedited closing process by effectively coordinating with loan officers, underwriters, and title companies.
- Ensured timely closings by proactively addressing potential issues through constant communication with all parties involved.
- Proof-read and review all Closing Documentation for data integrity, balances with title closer and ordering all wires for timely funding mortgage transactions
- Streamlined workflow for faster turnaround times by implementing efficient organizational systems and processes.
- Monitored pipelines to track and log status of loans.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Balanced /reconciled files for adequate release of Ap/ ACH on daily basis
- Developed and maintained relationships with customers, lenders and other third parties.
- Communicate with title companies and all parties in efficient and courteous manner
- Facilitated cross-functional collaborations between departments to develop stronger, more cohesive funding requests that aligned with organizational objectives.
- Accurate reviewed all documents prior to disbursement, ACH Request, release loan docs
- Ability to analyze and comprehend complex financial data and provide financial alternatives
- Reduced errors in loan documentation by meticulously reviewing loan packages for accuracy and compliance.
- Conducted regular audits of closed files for quality control purposes, identifying areas for improvement where necessary.
- Adhere to all federal and state compliance guidelines for mortgage lending.
Closer/ Funder
Schwartz & Associates for BOKF, NA DBA Bank of Texas
02.2014 - 07.2016
- Managed and multitasked 2 separate email accounts for Document requests
- Closed 75-95 loan monthly and monitored and followed weekly agenda in timely manner
- As Closer for closing attorney reviews loan package, typing in legal description, property tax information, homeowner's insurance information, and various terms and details as needed to ensure documents are fully complete and accurate
- Closed deals by building strong rapport with clients and addressing their needs.
- Negotiated with Vender using Loan Estimate as guide for fees preliminary instructions/CD in timely manner to start 3 days to close
- Exceeded sales targets through effective negotiation and persuasive communication skills.
- Released balanced CD to Borrower
- Maintained high levels of customer satisfaction by addressing concerns promptly and professionally throughout closing process.
- Balanced /reconciled files for adequate release of Ap/ ACH on daily basis
- Monitored file lifetime in making following was done accurately- cleared/ waived, dates are entered into system, confirmation of loans documents along with and documents required by UW to be signed at closing are released to Title Company
- Requested and released electronic wires once loan documents are reviewed for accurate signatures etc., funding number is issued.
- Handled complex real estate transactions adeptly, navigating challenging situations while maintaining client trust and satisfaction.
Document Specialist
Beadles, Newman and Lawler
11.2012 - 10.2013
- Closed 35-50 Loans monthly
- Met expected time delivery in Preparing loan documentation including closing instructions, legal documents, Truth-in-Lending disclosures, and all miscellaneous forms necessary for closing and funding
- Enhanced document review efficiency by streamlining processes and implementing new organizational strategies.
- Reduced errors in documentation by conducting thorough and meticulous reviews of legal contracts and agreements.
- Collaborated with team members to develop comprehensive document review system, ensuring accuracy and compliance with industry regulations.
- Maintained strict confidentiality of sensitive information, adhering to privacy policies and ethical guidelines at all times.
- Supported legal team by creating summaries of key findings from document reviews, facilitating informed decision-making processes.
- Demonstrated adaptability in handling diverse client portfolios, ensuring each received customized service tailored to their unique needs.
- Used electronic systems for data entry, tracking and analysis.
- Scheduled and tracked deadlines of multiple active compliance audits.
- Consulted with outside vendors to identify and resolve loan closing issues.
Education
GED -
Eastern Hills High School
Fort Worth, TX12.1988
Skills
- Document/Records Management
- File conversion
- Document Review
- Invoice/Payment/ACH Processing
- Data Entry
- Quickbooks
- Closing Techniques
- Analytical and Critical Thinking
- Customer Service
- Quality control measures
- Title Examination Expertise
- Settlement Statement Preparation
- Appraisal analysis
- Risk Assessment Competence
- Loan Closing Expertise
- Account Reconciliation
- Federal Regulation Compliance
- Organizational Skills
- Customer Support
- Transaction Reporting
- Outbound Calls
- Money Transfers
- Cash Reconciliation
- Selling Skills
- Electronic Funds Transfer
- Regulatory Guidelines
- Change Orders
- Customer Inquiries
- Financial Statements
- Wire Transfer
- Bank Deposits
- Performance Goals
- Document/Records Management
- Funds Disbursement
- Records Evaluation
- Government Standards
- Title Processing
- Closing Disclosures
- Electronic Filing System
- Greeting Visitors
- Title Requirements
- Real Estate Title Concepts
- Documentation Review
- Risk Analysis
- Figures Calculations
- Mortgage Loan Processing
- Processing Loan Applications
- Billing and Payment Processing
- Microsoft Office
- Settlement Statements
- Loan Closing Documentation
- Payoff Planning
- Financial Information Monitoring
- Analyze Financial Histories
Programs
- Document Management
- Microsoft Suites
- Orace 8l, Visual Basic
- Calyx Point
- Data Trac
- Quickbooks
- ADS, RAM, Closr
- MSP Empower, Chase File Manager
- Lotus Notes, Ctx, Unifi
- Docutech, Neto Oxygen Doc Magic
- Max, Byte, IDS, Encompass
- Doctracke, MERS, Docs on Demand (DOD).
Activities
- Parent Volunteer and PTA Member
- South Hi Mount Elementary
- Parent Volunteer
- Ballet Folklorico Azteca de FTW
Parent Volunteer and PTA Member** South Hi Mount Elementary Parent Volunteer** Ballet Folklorico Az
Help Teacher with parties, watched children at recess to give the Teacher a full hour lunch break. assisted with parties, scanning, and reading with children.
Assist in making flowers for floats, contribute to fundraisers and attend activities, helping watch the girls, help with hair, makeup and keeping hydrated.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Software
Doc on demand
Microsoft suites
Calyx Point
Data Trac
Ram
Docutech
ADS Closer
Orace 8L
MSP Power
Unifi
Neto Oxygen
Doc Magic
CTX
Lotus Notes
Timeline
Document Specialist
Newman & Lawler PLLC
04.2022 - 09.2023
Mortgage Closer
American Financial Network Inc.
01.2018 - 07.2021
Closer
Gateway Mortgage, LLC.
01.2017 - 01.2018
Sr Closer/Funder
Pacific Union Financial LLC.
07.2016 - 01.2017
Closer/ Funder
Schwartz & Associates for BOKF, NA DBA Bank of Texas
02.2014 - 07.2016
Document Specialist
Beadles, Newman and Lawler
11.2012 - 10.2013
GED -
Eastern Hills High School