Jocquelyn (Jada) Bolden-Smith
Garland,TX
Summary
Enthusiastic, multi-talented Senior Closer positively impacting overall morale and productivity. Consistently rewarded. Eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Motivated to learn, grow and excel.
Overview
20
20
years of professional experience
Work History
SENIOR WHOLESALE CLOSER
First Savings Bank
08.2019 - Current
- Process initial CD request
- Determine where loans are ready to close Assist Broker and Title Balance CD for final disbursement of closing funds
- Prepare initial and additional wires for disbursement
- Review complete loan packages
- Monitor rate locks and file pricing
- Process Change of Circumstance for compliance
- Manager pipeline to ensure all procedures are applied accurately and completed.
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Maintained checklists of required documentation and open issues affecting closings.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Checked accuracy and completeness of all paperwork.
- Completed post-closing quality control evaluations of originated mortgage loans.
SENIOR WHOLESALE CLOSER
PACIFIC UNION FINANCIAL, LLC/MR. COOPER
09.2018 - 08.2019
- Process initial CD request Determine whether loans are ready to close
- Assist Broker and Title Balance CD for final disbursement of closing funds
- Prepare initial and additional wires for disbursement
- Review completed loan packages
- Monitor rate locks and file pricing
- Process Change of Circumstance to for compliance
- Manage pipeline to ensure all procedures are applied accurately
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Maintained checklists of required documentation and open issues affecting closings.
SENIOR RETAL CLOSER/FUNDER
PACIFIC UNION FINANCIAL, LLC
08.2017 - 09.2018
- Process initial CD request
- Act as team lead during staff absence
- Provide training and support to new team members Recommendations to management regarding doc draw/funding processes
- Assist LO and Title Determine whether loans are ready to close
- Prepare wires, provide final authorization
- Review completed loan packages and open prior to funding conditions Clear post-closing discrepancies.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
SENIOR TREASURY/WAREHOUSE LENDING ANALYST
PACIFIC UNION FINANCIAL, LLC
02.2014 - 08.2017
- SME responsible for daily funding processes of loan requests from internal correspondent, wholesale & retail channels
- Initiate wires received from departments across the company and verify supporting documentation
- Access multiple bank systems to support cash flow, research and transactions
- Update cash forecast with daily actual activity
- Assist with monthly warehouse compliance reports
- Post accounting entries from transactions initiated by corporate departments
- Provide information as needed by retrieving data sources
- Assist with warehouse selection and funding file uploads
- Primary processor on WLS warehouse loans
- Assist with department training
- Provide support for various special projects which included loan modification
- Managed Treasury Tracker system for extraction of Federal Reference numbers from various warehouse banks.
AVP/MORTGAGE WAREHOUSE ACCOUNTING
GOLDOME FINANCIAL, LLC
03.2012 - 02.2014
- Disbursement of daily loans
- Extract wire spreadsheet verifying information and submit to bank
- Track inbound wires and loan settlements
- Remit residual to Originators
- Daily balancing of all funded and settled loans
- Process daily request for line increases including placing line back to original warehouse amount at contract expiration
- Warehouse line contract agreements
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
- Handled day-to-day accounting processes to drive financial accuracy.
- Gathered financial information, prepared documents, and closed books.
- Customer Service
FUNDING COORDINATOR/ TITLE-QC ANALYST /WAREHOUSE FUNDER
TEXAS CAPITAL BANK
02.2009 - 03.2012
- Assemble and log files documents submitted by clients and distribute to processing staff
- Assist Funders with missing documents
- Facilitate training of newly hired Funding Coordinators Manage pipelines
- Work with client, closing agents, and attorneys to ensure guidelines are met Oversee the review and audit of conventional, FHA, & reverse mortgage loan document for external bank clientele
- Analyze mortgage file documentation presented for purchase
- Identify unacceptable risk that result in a high percentage loan purchase rate
- Review underwriting approval and verify that all pre-close conditions have been cleared
- Request any missing documentation required by company for funding reducing amount of aged loans in company log
- Audit automated underwriter findings for conventional and FHA loans and condition for any missing documentation
- Ensure bank guidelines are met while satisfying internal audit review
- Coordinate loan collateral delivery to investors guaranteeing loans will be purchased from client's warehouse line
- Send requested wire amount to closing agent in a timely manner resulting in an A-rated customer approval rating.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
ADMINISTRATIVE SUPERVISOR
United Auto Credit
01.2007 - 08.2008
- Supervised and performed the review of all contracts received for completeness, proper signatures, accuracy and compliance with truth in lending
- Administrative functions, payment processing, processing retail commodity verification forms and banking functions
- Required title and insurance maintenance
- Processing turndown and condition letters
- Maintain titles
- Daily cash reconciliation
- Bank deposits
- Ensure all credit offerings received by the branch are accurate and thoroughly investigated for accuracy as well as ensure maximum efficiency to provide quick response time for the dealer.
- Assist with 1-10 in collections and issued promise to pays.
- Updated reports, managed accounts, and generated reports for company database.
- Monitored and evaluated personnel performance to complete annual reviews, recommend advancement, or address productivity concerns.
SENIOR FUNDER
Drive Financial
01.2007 - 11.2007
- Coordinate the purchase of retail contracts from dealers base
- Assist dealerships, credit analyst and marketing representative
- Manager customer files
- Perform advance level of verification to ensure credit guidelines are achieved
- Customer service, internal and external clients Identify appropriate title work for various states.
- Developed and maintained relationships with customers, lenders and other third parties.
SENIOR FUNDER
HSBC
07.2004 - 01.2007
- Received, reviewed, reconciled and entered moderately complex processes of daily funding documents
- Received funds and initiated wire transfer to appropriate vendors
- Code work to provide understandable historical documentation
- Maintain files and inventory of credit applications and other documents
- Provide team support.
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
FUNDER /CLOSING COORDINATOR
Supreme Lending-Greystone Financial
06.2003 - 02.2004
- Process home loan applications (FHA, CONV, VA REFI) Calculate income
- Run DU, LP
- Review assets and liabilities
- Order findings, appraisals, title, surveys
- Verification of other items required for loan approval Monitor rate lock information for data integrity and expiration dates
- Coordinator loan closings.
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Maintained checklists of required documentation and open issues affecting closings.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
Education
Some College (No Degree) - Business
Jackson State University
JacksonSkills
- Customer Service
- Warehouse Agreements
- File Management
- Loan Disbursement
- High-Volume Environments
- Loan Closing Documentation
- MS Office
- Excellent Communication
- Expert closer
- Flexible and Adaptable
- Attention to Detail
Accomplishments
2006 Awarded President's Circle Funder of the Year
2018 Awarded President's Circle Retail Closer of the Year
2019 Awarded President's Circle Top Wholesale Closer of the Year
Timeline
SENIOR WHOLESALE CLOSER
First Savings Bank
08.2019 - Current
SENIOR WHOLESALE CLOSER
PACIFIC UNION FINANCIAL, LLC/MR. COOPER
09.2018 - 08.2019
SENIOR RETAL CLOSER/FUNDER
PACIFIC UNION FINANCIAL, LLC
08.2017 - 09.2018
SENIOR TREASURY/WAREHOUSE LENDING ANALYST
PACIFIC UNION FINANCIAL, LLC
02.2014 - 08.2017
AVP/MORTGAGE WAREHOUSE ACCOUNTING
GOLDOME FINANCIAL, LLC
03.2012 - 02.2014
FUNDING COORDINATOR/ TITLE-QC ANALYST /WAREHOUSE FUNDER
TEXAS CAPITAL BANK
02.2009 - 03.2012
ADMINISTRATIVE SUPERVISOR
United Auto Credit
01.2007 - 08.2008
SENIOR FUNDER
Drive Financial
01.2007 - 11.2007
SENIOR FUNDER
HSBC
07.2004 - 01.2007
FUNDER /CLOSING COORDINATOR
Supreme Lending-Greystone Financial
06.2003 - 02.2004
Some College (No Degree) - Business
Jackson State University
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