Karla Aguilar
West Hempstead,NY
Summary
Experienced Loan Closer well-versed in loan closing processes and documentation requirements seeking a position as Transaction Management -Real Estate Closer at Citibank. Maintain full calendar of closings and easily handle more than eight per month. Keep paperwork organized for smooth closings.
Overview
20
20
years of professional experience
Work History
- Managed competing priorities under tight deadlines while maintaining accuracy in document preparation for smooth transaction completion.
- Handled complex real estate transactions adeptly, navigating challenging situations while maintaining client trust and satisfaction.
- Maintained high levels of customer satisfaction by addressing concerns promptly and professionally throughout closing process.
- Managed pipeline of prospects, maintaining consistent follow-ups to ensure timely closings.
- Served as reliable point of contact for both internal teams and external partners throughout deal closures ensuring efficient information flow.
Commercial Loan Closer
Hanover Community Bank
01.2022 - 11.2023
- Expert on loan documentations, due diligence, closing and funding.
- Performed reviewed and approvals on collateral docs ( preliminary title reports, UCC searches & fillings, flood insurance, property insurance)
- KYC records, loans approvals and related correspondence
- Managed 8 to 10 closing per month successful coordination between closing attorney and loan originator for loan documents to ensure loan closing/funding.
- Prepared settlement statements, escrow analysis for loan, closing fees, lender fees.
- Corroborated and approved wire transfers to fund customer accounts.
- Worked cross functionally with underwriters, loan officers, attorneys, and loan processing team.
- Verify and maintain files, database records and/or other documents for recurring internal reports.
- Follow up with documentation required by loan servicing to book loan.
Lending Specialist ( Pre- Closing Department)
New York Community Bank
05.2018 - 01.2022
- Reviewed and determined if loans were reportable according to HMDA and CRA regulations.
- Ensured accurate creation and reporting of loan application registers.
- Analyzed closed, decline and withdrawn loans to determine qualification for HMDA reporting based on FDIC guidelines.
- Gathered and reviewed support documentation for Closed CRE loans and ensure accuracy
- Reviewed wire documentation for completeness and accuracy.
Assistant Vice President, Lending CRE Data
New York Community Bank
02.2010 - 05.2018
- Verified file accuracy and performed review based on current FHLB guidelines and bank underwriting standard requirements.
- Reviewed LTV, debt service, risk ratings, DCSR and policy exceptions at closing.
- Reviewed property violations, commercial estoppels, and leases to ensure any discrepancies identified were addressed prior to closing.
- Assisted loan closing officer with verification of beneficial ownership forms and funding process.
- Performed quality control reviews and made corrections based on findings from post-closing department.
Education
Bachelor of Science - Marketing
University Dr. Jose Matias Delgado
El Salvador 04.2000
Skills
- Acquired proficiency in Loan IQ
- Closing Documents Understanding
- Borrower Relations Skills
- Complex Problem-Solving
- Analytical and Critical Thinking
- Remote Video Conferencing
- Calculate Payments
- Settlements Statements
- Oral and Written Comprehension
- Work well independently and with cross-functional teams
- Detail-oriented with success implementing solutions to create optimal efficiency
- Bilingual ( English, Spanish )
Timeline
Commercial Loan Closer
Hanover Community Bank
01.2022 - 11.2023
Lending Specialist ( Pre- Closing Department)
New York Community Bank
05.2018 - 01.2022
Assistant Vice President, Lending CRE Data
New York Community Bank
02.2010 - 05.2018
Bachelor of Science - Marketing
University Dr. Jose Matias Delgado
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