Joy Morris
Orlando,FL
Summary
Mortgage Loan Closer with 10+ years of experience in loan closing, processing and compliance. Extensive real estate knowledge and understanding of credit analysis. Adept at time management and task prioritization.
Overview
22
22
years of professional experience
Work History
Sr. Mortgage Closer
Loan Depot
Foothill Ranch, CA
09.2020 - 08.2022
- Consistently surpassed company-recommended targets for closed units
- Ensured loans adhered to lender guidelines and complied with federal, state, and local regulations
- Generated and ensured timely preparation of all required documentation and closing disclosures
- Facilitated efficient loan closings by coordinating with clients, brokers, closing agents, and title companies
- Conducted quality control reviews of closed loans by established procedures
- Ensured all necessary documentation was collected and verified before loan closing
- Received ongoing recognition and financial reward for maintaining an error rate of less than 1%
Sr. Closer/Securitization Auditor
Flagstar Bank
Troy, MI
10.2000 - 09.2020
- Reviewed FHA, VA, USDA, and Conventional loan documentation to ensure compliance with regulatory standards
- Validated and audited a variety of closing documents, consistently exceeding team quotas by 30%
- Conducted thorough examinations of loan documents to meet RESPA and TRID disclosure requirements
- Prepared and submitted completed loan packages to title and escrow professionals for final processing
- Mitigated documentation risk by adhering to credit approval, pre-closing, and pre-funding guidelines
- Collaborated with lenders, agents, and legal professionals to resolve transactional and title-related issues
- Coordinated and scheduled closings with customers, lenders, real estate agents, and attorneys
- Ensured that all closing requirements were fulfilled before settlement
- Consistently achieved 100% customer satisfaction ratings
- Promoted to Mortgage Securitization Auditor for outstanding work quality and attention to detail
Education
Associate of Arts - Business Administration
Valencia College
Orlando, FLSkills
- TRID Policy and Procedures
- Microsoft Office Suite
- Desktop Underwriting Expertise
Timeline
Sr. Mortgage Closer
Loan Depot
09.2020 - 08.2022
Sr. Closer/Securitization Auditor
Flagstar Bank
10.2000 - 09.2020
Associate of Arts - Business Administration
Valencia College
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