Karmel Irby
North Las Vegas,NV
Summary
To obtain a position capitalizing on work experience, utilizing full range of skills, interests, and abilities. 15+ plus years offering solid background in mortgage, banking and finance with recognized strengths in funding, closing, loan processing - FHA, VA, Conventional. 5+ years experience working remotely along with 25+ years computer knowledge. Able to coordinate documents, correct errors, and liaise with external parties to complete paperwork and facilitate smooth closings. Can successfully manage high volumes of loan documentation in fast-paced environments with demanding productivity
and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes.
Overview
11
11
years of professional experience
Work History
Firstline Service Technician
Diebold Nixdorf
09.2022 - Current
- Diagnosed and repaired hardware, software and network issues to mitigate disturbances.
- Responded to problems reported by customers by troubleshooting and resolving hardware and software issues.
- Perform minor maintenance on ATMs. Replacing light bulbs, card reader belts, air filters, etc.
- Perform technical fixes: clearing paper jams, card jams, bill jams, etc.
- Prioritizing and planning service calls. Contacting the customer with the estimated time of arrival.
- Escalating problems and reassigning calls when appropriate.
- Interacting in a professional manner with customers to foster positive relationships.
Closer/Funder
Acra Lending
05.2021 - 04.2022
- Scrubbed and reviewed files ensuring accuracy and completeness of all required documents.
- Prepared loan closing packages.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Resolved any concerns, problems, and documentation issues.
- Wholesale experience – worked closely with mortgage brokers.
- Acted as an intermediary between all parties involved in mortgage loan transactions.
Funding Specialist III
Cardinal Financial
04.2019 - 04.2021
- Examined and verified information in loan application and closing documents.
- Carried out pre-funding and funding functions for more than 800 files per month.
- Verified accuracy of all information on mortgage documents and loan documentation of loan for funding.
- Maintained a fast-paced schedule by consistently meeting funding deadlines.
- Worked with third-party vendors to address and clear loan closing requirements.
- Maintained loan closing pipeline and coordinated funding with title partners.
- Demonstrated self-reliance by meeting and exceeding workflow needs.
- Handled all delegated tasks, including disbursements and wires.
Settlement Specialist
Cardinal Financial
02.2018 - 04.2019
- Prepared and delivered loan documents to title and escrow teams.
- Checked applicant credit and employment histories.
- Worked with third-party vendors to address and clear loan closing requirements.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Completed closing process by collaborating with attorneys, title companies.
- Scheduled closing meeting after gathering and preparing all loan package documentation.
- Responded to customer questions quickly and returned all calls within 2 hours.
- Worked with escrow and title offices to prepare settlement documentation packages.
Loan Technician III
Cardinal Financial
05.2013 - 02.2018
- Prepared disclosures.
- Compiled applications and paperwork and double-checked for accuracy.
- Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
- Created and completed loan submission packages.
- Kept track of each loan from application to funding, organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
- Maintained complete confidentiality of all submitted information according to release guidelines.
- Re-worked file once appraisals were in to determine eligibility.
Loan Processor III
Cardinal Financial
06.2014 - 12.2014
- Managed any conditions sent from underwriting departments.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained a fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Checked approvals against established bank and government lending standards.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Promoted strong commitment to effective loan processing by following up with all necessary parties and quickly resolving issues.
Compliance Processor
Citibank
01.2012 - 12.2012
- Provided support to the department by assisting with special assignments and projects.
- Kept up-to-date with loan product knowledge, internal policies, procedures and regulations.
- Improved compliance with government accounting systems and control requirements to maintain eligibility for government contracting.
- Advised staff and customers through audits and remedy compliance issues.
- Determined acceptance or ineligibility on loans by reviewing and identifying discrepancies, deficiencies and misinformation.
- Mitigated risk by coordinating plans and specifications to maintain safety and compliance.
Skills
- LOS – BytePro, Octane, Encompass, CalyxPoint
- Desktop Underwriter/Loan Origination
- DocMagic
- Appraisals
- FHA/VA
- Computer knowledge
- Compliance experience
- Balancing and reconciliation
- Training and mentoring
- Self-motivated
- Goal oriented
- Time management
- Team-player
- Multitasker
- Flexible
- Focused attention
- Friendly, positive attitude
- Reliable and trustworthy
Timeline
Firstline Service Technician
Diebold Nixdorf
09.2022 - Current
Closer/Funder
Acra Lending
05.2021 - 04.2022
Funding Specialist III
Cardinal Financial
04.2019 - 04.2021
Settlement Specialist
Cardinal Financial
02.2018 - 04.2019
Loan Processor III
Cardinal Financial
06.2014 - 12.2014
Loan Technician III
Cardinal Financial
05.2013 - 02.2018
Compliance Processor
Citibank
01.2012 - 12.2012
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