Karen Suhre
Covington,LA
Summary
Seasoned Initial and Closing Disclosures Specialist with 18 years of experience, adept at ensuring compliant, timely, and accurate disclosure management. Expertise in TRID guidelines, TILA/RESPA, and pipeline orchestration. Seeking Initial and Closing Disclosures role to leverage extensive background in mortgage processing and regulatory compliance.
Overview
18
18
years of professional experience
Work History
Administrative Assistant
GMFS
05.2023 - 12.2023
- Streamline homeowner inquiries by providing prompt and efficient support via calls
- Manage comprehensive mortgage file creation, including loan data entry, credit check facilitation, flood certification acquisition, MLS supervision, DU operation, and fee entry
- Improve office productivity through effective supply management and timely response to email queries, ensuring all customer communications are appropriately documented and filed.
Teller
Post Office Employee Credit Union
01.2023 - 05.2023
- Managed and processed a variety of financial transactions such as deposits, withdrawals, and loan payments, as well as initiated account openings and loan applications
- Enhanced member relationships through the provision of routine information, cross-selling or referring products and services, and directing members to relevant departments for specialized information and service
- Ensured accurate record-keeping by posting transactions to member accounts, balancing cash drawer with daily transactions, and maintaining strict confidentiality of member account information.
Initial and Closing CD's Disclosure Specialist/Closer
Angel Oak Home Loans
04.2019 - 11.2022
- Managed a portfolio of loan disclosures and closing disclosure packages, diligently observing TRID guidelines to ensure absolute accuracy and compliance
- Consistently met compliance and regulatory timelines by effectively orchestrating assigned pipeline, from disclosure issuance to initial closing disclosures
- Delivered exceptional customer service during disclosure and pre-closing phases, including clear communication of title fee and pricing quotes, and proactive management of documentation concerns
- Conducted thorough reviews of initial disclosures and broker documents, ensured accurate loan disbursements, and maintained compliance with TILA/RESPA guidelines, facilitating prompt and accurate loan closings.
Closing Disclosure and Initial Disclosure Specialist Using Encompass
NOLA Lending / Fidelity Bank
05.2016 - 04.2019
- Managed the issuance of initial Closing Disclosures to consumers, ensuring compliance with the 3-day TRID rule, and confirmed receipt of signed documents
- Maintained accuracy in the verification of closing documents, including fees from title companies, ensuring they fell within the 10% tolerance category range
- Demonstrated strong organizational skills, managing a pipeline for initial, closing, and re-disclosing for Loan estimates and closing disclosures, while ensuring timely communication and problem-solving for both borrowers and loan officers.
Compliance Specialist, Disclosure Specialist, Mortgage Loan Processor
Hancock / Whitney
09.2008 - 04.2016
- Managed prompt issuance and preparation of disclosure documents, ensuring all re-disclosures adhered to the necessary regulatory guidelines, with a particular focus on TRID compliance
- Streamlined loan closing procedures through meticulous file review, including checks on Mavent reports, credit reports, appraisals, loan locks, and Patriot Acts
- Oversaw the loan process from receipt to final approval, ensuring accurate document order, reviewing credit reports, insurance, title work, and appraisals before submission to underwriting
- Gathered essential customer information such as bank statements and W-2's, and expertly handled diverse loans types including Conventional, RD, FHA, VA, Bank Statements, and Portfolio loans, in accordance with underwriting guidelines.
Mortgage Loan Processor, Loan Assistant, Central Teller
Statewide Bank
01.2006 - 09.2008
- Managed daily financial transactions, including deposits, withdrawals, and transfers, adhering strictly to established policies and procedures, while also maintaining the ATM and ensuring precise handling of commercial deposits and charge orders for customers
- Assumed responsibility for the opening and closing of the vault, along with the sale of cashiers checks, bonds, and travel checks; meticulously balanced transactions on a daily basis, providing security for assigned cash trays and transaction documentation
- As a Mortgage Loan Processor/Loan Assistant, facilitated the loan closing process through efficient ordering of payoffs, title, appraisal, and insurance; gathered necessary customer information while simultaneously overseeing scheduling, customer service, and account opening activities.
Education
High School Diploma -
Salem High School
Salem, LASkills
- Microsoft Word
- Windows
- Excel Spreadsheets
- Phone Etiquette
- Excellent Verbal and Written Communications
- Customer Service Skills
- Office 365
- Email Etiquette
- Data Entry
- Understanding 10 Key Functions
- Typing
- Teams
- Organizing and Prioritizing
- Teamwork
Timeline
Administrative Assistant
GMFS
05.2023 - 12.2023
Teller
Post Office Employee Credit Union
01.2023 - 05.2023
Initial and Closing CD's Disclosure Specialist/Closer
Angel Oak Home Loans
04.2019 - 11.2022
Closing Disclosure and Initial Disclosure Specialist Using Encompass
NOLA Lending / Fidelity Bank
05.2016 - 04.2019
Compliance Specialist, Disclosure Specialist, Mortgage Loan Processor
Hancock / Whitney
09.2008 - 04.2016
Mortgage Loan Processor, Loan Assistant, Central Teller
Statewide Bank
01.2006 - 09.2008
High School Diploma -
Salem High School
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