Keith Torgersen
Reverse Mortgage and Investor Loan Expert
Owings Mills,MD
Summary
Reverse Mortgage and Investor Loan Expert with 20 years of experience in coordinating, closing, funding, post-closing, shipping, secondary market locks, insuring, and quality control. Consistently successful improving workforce skills through ethical leadership, sound judgment, and a commitment to excellence with a proficiency in managing a variety of projects simultaneously ... a relentless achiever! An adaptable, ambitious and driven individual who minimizes risk and capitalizes on change.
Overview
20
20
years of professional experience
2
2
years of post-secondary education
Work History
Closing and Funding Manager
TRIUS LENDING PARTNERS
Towson, MD
12.2020 - 05.2024
- Consistent in creating and delivering Hard Money and DSCR closing documents to title in a timely manner
- Closing and funding activities included working with UW to confirm loan details for accurate terms and vesting throughout the loan package, reviewing the signed loan package for errors and sending out net wires to title
- Decreased the time frame required from contract to close by having a professional and focused closing / funding department resulting in increased business and quicker sales to secondary banks
- Developed a macro function to populate unique information within the document package which resulted in our ability to reliably create an accurate loan package without paying a 3rd party software company or attorney
- Coordinated closing dates and times with all parties involved i.e
- Buyers, sellers, brokers, title companies, and notaries
- Delivered all funding wires to title upon satisfaction of post-closing conditions
- Participated in loan servicing i.e
- Follow up on insurance and interest payments while assisting the client base with rehabilitation draws upon completion of projects per the schedule of work.
Loan Coordinator, Closer, Funder, and Post Closer
MIDWEST LOAN SERVICES INC
Owings Mills, MD
09.2019 - 12.2020
- Successfully managed the scheduling, closing, preparing funding wires and loan delivery to our investors
- Post Closing tasks included purchase conditions, sale into secondary markets, and the insuring of all loan files
- Continued to update my knowledge of the regulatory environment for strict assurance that all loans from the branch were 100% accurate, which resulted in higher compliance scores
- Always promoted an atmosphere of teamwork and individual growth by being willing to take on jobs outside my responsibilities and accepting closings from other branches.
Closing, Funding, Post Closing, Shipping, Secondary and Servicing
1ST NATIONS REVERSE
Owings Mills, MD
04.2017 - 09.2019
- Daily activities included coordinating closing dates and times with all parties, creation of closing, funding and shipping packages, and overseeing all aspects of post-closing
- Increased sales capabilities and profits within the Secondary Market by managing bid tapes and awarding loans accordingly
- Oversaw the regulatory requirements for strict assurance that all loans were compliant, which resulted in minimal sale conditions and NORs from HUD.
Opening, Closing, Funding, Post Closing, Shipping and Insuring
HOME POINT FINANCIAL CORP
Owings Mills, MD
12.2014 - 04.2017
- Managed a team in charge of scheduling, closing and funding, secondary market bids, shipping and insuring
- Assisted with the development of a paperless storage system for the intake and processing of loans through TPO and retail channels
- Expanded my knowledge of secondary markets and HUD Ensuring requirements for faster more efficient sales leading to higher profitability
- Took on responsibilities/tasks inside and outside my department while promoting an atmosphere of learning new skills and individual growth.
Mortgage Branch Closing Manager, HR Coordinator, NMLS Licensing Assistant, Account Executive
LIVE WELL FINANCIAL
Richmond, VA
03.2013 - 10.2014
- In charge of drawing closing documents and coordinating closing dates / times with clients, title companies and the MLO’s
- Assisted our funding department to insure the highest level of service all the way through disbursement of the wire
- Enriched the client and MLO experience by having a very professional and focused closing department
- Created accurate closing documents resulting in quicker purchase times from our investors
- Strengthened all departments by continually encouraging an environment of teamwork and assisted in the training of new employees with a target focus on being extremely detail oriented.
Opening, Closing and Funding Manager, Transaction Coordinator, NMLS Licensing Assistant
VALUE FINANCIAL MORTGAGE SERVICES
Miami, FL
01.2004 - 03.2013
- Oversaw production from loan origination through shipping while drawing documents for over 3,000 loans
- Managed 10 M warehouse assets while shipping loans to a variety of secondary investors increasing profits
- Ran daily operations and oversaw every aspect of the loan process
- Consistently increased volume & revenues by working with the sales team & broker partners streamlining the application process & required documents for submission to Underwriting.
Skills
- Excellent organizational and time management abilities
- Acute attention to detail
- Analytical
- Verbal and written communication
- Customer focus
- Critical thinking
- Problem solving
- Integrity
- Leadership qualities
- Microsoft Office Suite
- Encompass
- E-boutique
- Reverse Vision
- Tango
- ZoHo
- SafeBox
Educationawardsvolunteerism
- High School Diploma
- 1st Nations Reverse “Sprit Award” - Oakland Park FL
- Police Dept. “Achievement Award”
- Kids in Distress “You Made a Difference Award”
- HSUS volunteer in NC, FL & MD.
Education
High School Diploma -
Severna Park High School
Severna Park, MD 09.1981 - 06.1983
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- Achieved greater productivity through effectively helping with Team Growth.
- Supervised team of 5 staff members.
- Used Microsoft Excel to develop macro functions for populating a closing document package saving the cost of attorney fees ... company profits increased.
- Documented and resolved post closing issues which led to faster Sales Times and Higher Bids per loan.
Timeline
Closing and Funding Manager
TRIUS LENDING PARTNERS
12.2020 - 05.2024
Loan Coordinator, Closer, Funder, and Post Closer
MIDWEST LOAN SERVICES INC
09.2019 - 12.2020
Closing, Funding, Post Closing, Shipping, Secondary and Servicing
1ST NATIONS REVERSE
04.2017 - 09.2019
Opening, Closing, Funding, Post Closing, Shipping and Insuring
HOME POINT FINANCIAL CORP
12.2014 - 04.2017
Mortgage Branch Closing Manager, HR Coordinator, NMLS Licensing Assistant, Account Executive
LIVE WELL FINANCIAL
03.2013 - 10.2014
Opening, Closing and Funding Manager, Transaction Coordinator, NMLS Licensing Assistant
VALUE FINANCIAL MORTGAGE SERVICES
01.2004 - 03.2013
High School Diploma -
Severna Park High School
09.1981 - 06.1983
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