Kamma Schell
Evans,CO
Summary
Qualified financial services professional with a strong track record in managing bank reconciliations and ensuring compliance with RESPA and TRID guidelines. Demonstrates effective communication and documentation review skills that enhance service quality and client satisfaction.
Overview
16
16
years of professional experience
Work History
Bookkeeper
Fitness Repair Solutions
Evans, Colorado
04.2025 - Current
- Executed monthly bank reconciliations, identifying and rectifying discrepancies to uphold financial accuracy.
- Maintained accurate financial records using QuickBooks software.
- Issued invoices for clients and monitored payments received from customers.
- Collaborated with vendors to resolve billing discrepancies, ensuring timely payments and maintaining strong vendor relationships.
- Managed sensitive financial information, safeguarding confidentiality and upholding integrity in financial reporting.
CD Analyst/Closer
Crescent Mortgage Company
Atlanta, GA
07.2020 - 09.2022
- Demonstrated expertise in RESPA, FHA, VA, RD, TIL High Cost, and TRID guidelines to ensure accuracy and compliance in Closing Disclosures.
- Applied comprehensive knowledge of TRID guidelines, RESPA, MDIA, High Cost Test, and Fed Rule restrictions to ensure compliance in BPO and LPO processes, Loan Estimates, and Closing Disclosures.
- Reviewed and interpreted Underwriting conditions to effectively clear requirements prior to fund release.
- Calculated funding wire amounts and balanced Closing Disclosures accurately.
Closer / Funder
Caliber Home Loans
Loveland, CO
08.2013 - 08.2019
- Accurately managed a heavy pipeline, meeting company guidelines and standards despite multiple deadlines and interruptions
- Managed changes in pipeline circumstances and coordinated re-disclosure per RESPA guidelines to ensure compliance and minimize delays
- Examine and monitor loan documentation for accuracy to ensure compliance within specific loan guidelines
- Communicated and coordinated with borrower, loan officer, and key personnel regarding document requests.
- Established clear expectations for clients regarding loan processes. and review closing figures in a timely professional manner
- Built and maintained positive working relationships through proactive communication with customers, associates, and key personnel to enhance overall service quality
Mortgage Production Assistant / Mortgage File Review & Set-up Specialist
Home State Bank
Loveland, CO
01.2011 - 07.2013
- Create a loan submission package and submit files to assigned Underwriter
- Verified loan approvals aligned with established lending guidelines
- Review initial loan approval and work with borrower to gather appropriate documentation
- Initiated follow up of verifications to employers, depository firms, and creditors. Obtained missing documentation and determined alternate sources to satisfy loan requirements.
- Collaborated with third-party vendors and personnel to rectify inaccuracies on title, credit report, insurance binders, and appraisal issues before closing
- Accurately record information in lender systems when documentation is received, and conversations take place
Jr. Loan Processor/ Home Services Specialist
Bank of America
Fort Collins, CO
08.2010 - 09.2011
- Evaluated loan applicant's repayment capacity and verified income sources to mitigate risk for the institution
- Researched and verified loan applicant information to ensure accuracy and compliance with institutional guidelines
- Calculated repayment schedules and detailed payment structures to provide clear loan terms for applicants
Skills
- QuickBooks usage
- Bank reconciliations
- Problem solving
- Documentation review
- Effective communication
- Task prioritization
- Versatile work approach
- Confidential document control
- Review of mortgage documentation
- Detail-oriented
Timeline
Bookkeeper
Fitness Repair Solutions
04.2025 - Current
CD Analyst/Closer
Crescent Mortgage Company
07.2020 - 09.2022
Closer / Funder
Caliber Home Loans
08.2013 - 08.2019
Mortgage Production Assistant / Mortgage File Review & Set-up Specialist
Home State Bank
01.2011 - 07.2013
Jr. Loan Processor/ Home Services Specialist
Bank of America
08.2010 - 09.2011