John Moua

● 5+ years of experience with FHA/VA/USDA loan program

●Handled as many as 80 closing files each month by effectively organizing, multitasking and prioritizing closing work

● Prepare loan closing documents within LOS (Encompass)

● Manage a pipeline of conventional, VA, FHA, USDA, Bond/DAP loans

●Ensure accuracy of documents sent to closing, including but not limited to borrower names, rate, term and loan type, first payment date and escrow information

● Verified government-backed loans followed strict agency guidelines

●Reviewed titles, insurance, and flood zone certifications to meet closing standards for each property

●Ensure fees for lender and title companies are within TILA/RESPA guidelines

●Reviewed mortgage documents for accuracy, which includes title abstract and insurance forms

●Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs

●Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents

●Complete an accurate and compliant Closing Disclosure to be provided to the borrower within the TRID timing guideline requirements

● Monitor the borrower's receipt of the Closing Disclosure

●Review underwriting closing conditions to ensure salability of loan and adherence to the underwriting decision

●Coordinate funding dates with accounting to ensure accuracy of loan disbursements

● Analyzing and interpreting compliance reports (MAVENT)

● Coordinate closing packages with title companies in a timely fashion

● Validated and audited final signed documents in accordance with state, county and investor guidelines

● Prepare loan closing documents within LOS (Encompass).
● Manage a pipeline of conventional, portfolio, and USDA loans.
●Complete an accurate and compliant Closing Disclosure to be
provided to the borrower within the TRID timing guideline
requirements.
● Monitor the borrower's receipt of the Closing Disclosure
●Ensure accuracy of documents sent to closing, including but not
limited to borrower names, rate, term and loan type, first payment
date and escrow information.
●Review underwriting closing conditions to ensure salability of loan
and adherence to the underwriting decision.
●Coordinate funding dates with accounting to ensure accuracy of loan
disbursements.
●Ensure fees for lender and title companies are within TILA/RESPA
guidelines.
● Coordinate closing packages with title companies in a timely fashion.
● Verify that loan closes within specified locks with investors.
● Analyzing and interpreting compliance reports (MAVENT)
● Order Uniform Closing Dataset (UCD).
● 5+ years of experience with FHA/VA/USDA loan programs

●Proficient with Encompass and knowledge of mortgage lending
guidelines and regulations
● Managed pipeline that includes Conventional, FHA, VA, USDA loans
●Responsible for preparing all loan-closing documents, and ensuring
accurate information to have a fully compliant mortgage loan
●Reviewed all documents for any errors, and confirm that pricing and
program are correct to insure loan will be funded
●Reviewed all closing details to ensure compliance with state and
federal regulations.
● Ensured all terms of the loan are met
●Worked with title companies on any outstanding closing conditions
required to fund the loan
●Communicated with title companies to gather all necessary
information for accurate document preparation, and coordinate
delivery of the documents before closing
● Proficient in working with a variety of states and in understanding their guidelines and regulations, i.e., MN, WI, IA, NE, MO, KS, NE, CA,
AZ, WA, GA, AL, CT, IL, CO, KY, OH
● Proficient in working with specialty products, i.e., Relocation loan,
Renovation loan, MN Bond/DAP, NE Bond/DAP, WI Bond/DAP, IA
Bond

• Responded to service calls in homes and businesses using a company van
• Set up and installation of new DirecTV service including installation of satellite dishes on rooftops
using ladders and tools to appropriately mount the satellite dishes
• Programmed dishes and indoor equipment and turned the systems on
• Tested newly installed systems and activated them while on site to ensure the installation was
successful
• Answered questions about the service.
• Performed troubleshooting for customers having difficulty with existing DirecTV systems
• Tested satellite dishes and indoor equipment using meters and tools
• Replaced dishes and equipment that failed
• Kept appointments in a timely manner through efficient time management
• Maintained a careful list of inventory for tracking

• Demonstrated to customers proper methods for operating equipment after it had been installed.

• Research and locate current demographic information for tax payers and other government
debtors for individual income tax, property tax, military and political campaign returns being
processed, and for returned mail items for the agency
• Perform work in the integrated tax processing software Gentax
• Analyze and determine if demographic information is most current using information from
Gentax, Driver License and Accurint
• Pay attention to detail to accurately complete the work item in compliance with policies and
procedures
• Establish and maintain priority on work items
• Locate high volume work items that involve independent problem solving skills and decisions
• Communicate with Lead on complex work items to ensure accuracy and a better understanding

• Sources and screens applications to develop qualified candidate pool
• Posts merchandising jobs on external boards using ICIMS
• Contact top candidates and walk through job description and new hire information
• Follow up and complete all necessary new hire paperwork and ensure all hiring requirements
have been met

• Conducted phone interviews to assess applicants relevant knowledge, skills, experience and aptitudes

• Conducted reference checks, background screening and other pre-employment checks to verify information on applicant's resume

• Processed large sum of loan application look-ups into an open file Excel spreadsheets
• Review data entry for completeness and correct any discrepancies to ensure compliance with
bank
• Able to perform multiple tasks simultaneously on duo monitors
• Able to train new co-workers on loan look-up procedures
• Participated in creating new and more efficient loan look-up procedures
• Finish daily loan quotas without supervision
• Able to work well with every person to finish common goals

• Responsible for payment processing, check disbursements, imaging and document management
• Verify accuracy of data input and related records
• Research, create, and correct moderately complex loan servicing processes and related records
• Contact a variety of internal and external contacts via phone to obtain and validate information
• Perform high volume, time sensitive tasks related to the loan servicing process requiring research
and problem-solving with high degree of accuracy and control
• Experience with Arrow, Loan DQ, Fidelity/CPI/LPS/LIS/MSP, File Net/LIV/ICMP