John Granado, Jr.
Corporate Mortgage Closer
San Bernardino,CA
Summary
Detail-oriented and methodical Closer successful in assembling closing documentation for FHA, VA and Conventional loans. Work quickly and accurately to meet strict standards, clear issues and prepare document packages. Handle industry-funded and government-backed loans with skill and efficiency.
Overview
13
13
years of professional experience
4
4
years of post-secondary education
Work History
Corporate Closer
Mountain West Financial, Inc.
Redlands, CA
08.2014 - 08.2022
- Maintained checklists of required documentation and open issues affecting closings.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
- Validated and audited final signed documents in accordance with state, county and investor guidelines.
- Collaborated with lenders, agents and legal professionals to resolve transactional and title issues.
- Handled as many as 40 closing files each month by effectively organizing, multitasking and prioritizing closing work.
- Analyzed identified defects and remediated issues by using established procedures and available resources.
- Reviewed and validated details of loan applications and closing documentation.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Consulted with outside vendors to identify and resolve loan closing issues.
Loan Document Specialist/Home Loan Processor
Wells Fargo Home Mortgage
Ontario, CA
03.2012 - 06.2014
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Provided quick turnaround times to maintain fast-past schedule.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Coordinated closing process with attorneys, title companies and government clerks.
- Checked packages for appropriate documentation.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering FHA, VA and Conventional loans.
- Reviewed and validated details of loan applications and closing documentation.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Produced and submitted completed loan packages to title and escrow professionals.
- Conducted pre-funding and funding activities for over 20 monthly applications.
Underwriting Assistant 1/Underwriter
Mountain West Financial, Inc.
Redlands, CA
05.2009 - 01.2012
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Calculated group and individual renewal rates based on customers' background, industry and demographic information.
- Produced ad hoc reports and documents for senior team members.
- Copied, logged and scanned supporting documentation and placed all information in client files.
- Served bankers, internal staff and borrowers by offering alternative options and explaining credit decisions.
- Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
- Completed pre-closing responsibilities to prepare loan files for closing team.
- Responded to customer requests via telephone and email and effectively answered questions and inquiries.
- Reviewed credit reports, financial statements and transactions to verify accuracy and completeness.
- Reviewed sales contracts, appraisals, titles and deeds to effectively underwrite real estate loans.
- Trained and delivered feedback to a seven-person underwriting team by coaching subordinates on underwriting policies and decisions.
- Performed second-level review for loans recommended for denial by assisting with re-negotiations.
- Modified loan requests to determine best type of loan program for each potential borrower.
- Provided high level of assistance to help with review, classification, coding and rating of applications.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Verified data integrity and accuracy.
Education
No Degree - General Studies
San Bernardino Valley College
San Bernardino, CA 05.2001 -
No Degree - General Studies
Irvine Valley College
Irvine, CA 05.2001 -
High School Diploma -
Colton High School
Colton, CA 09.1992 - 06.1996
Skills
Excellent Communication
Interpersonal Communication
Data Entry
Clerical Support
Self-Motivated
MS Office
Organization and Time Management
Teambuilding
Multitasking Abilities
Training and Development
Attention to Detail
Flexible and Adaptable
Critical Thinking
Teamwork and Collaboration
Dependable and Responsible
Timeline
Corporate Closer
Mountain West Financial, Inc.
08.2014 - 08.2022
Loan Document Specialist/Home Loan Processor
Wells Fargo Home Mortgage
03.2012 - 06.2014
Underwriting Assistant 1/Underwriter
Mountain West Financial, Inc.
05.2009 - 01.2012
No Degree - General Studies
San Bernardino Valley College
05.2001 -
No Degree - General Studies
Irvine Valley College
05.2001 -
High School Diploma -
Colton High School
09.1992 - 06.1996