KRISTI CARTER
Mabank Feed Southern Glitz Boutique
Crestview,FL
26
years of professional experience
Results-driven Senior Mortgage Closing Professional with 23+ years of experience managing complex residential mortgage transactions from approval through funding. Expertise in FHA, VA, USDA, Conventional, Bond, CEMA, and Co-op loan products with comprehensive knowledge of federal regulations, state closing laws, and compliance requirements. Proven ability to manage high-volume pipelines, lead cross-functional teams, and consistently deliver accurate, on-time closings while providing exceptional customer service.
Work History
CEO Owner (Established April 2003)
3 Years 4 Months- Co-founded and managed a family-owned retail feed store and boutique.
- Directed daily business operations, strategic planning, and financial management.
- Managed purchasing, inventory, and vendor relationships for feed, apparel, footwear, and retail merchandise.
- Oversaw budgeting, banking, accounts payable/receivable, payroll, and cash flow.
- Delivered exceptional customer service and built strong, long-term customer relationships.
- Developed marketing strategies, promotions, and merchandising initiatives to drive sales.
- Supervised employees while fostering a customer-focused work environment.
- Analyzed sales trends and implemented operational improvements to increase efficiency and profitability.
Senior Closer (Northeast Region)
11 Years 9 Months- Managed a high-volume pipeline of 70+ residential mortgage closings monthly, consistently meeting funding deadlines while maintaining exceptional accuracy.
- Coordinated end-to-end mortgage closings for FHA, VA, Conventional, USDA, Bond, Co-op, CEMA, and Renovation loans.
- Reviewed title commitments, Closing Disclosures (CDs), loan documents, deeds of trust, and legal documentation to ensure complete and accurate loan packages.
- Ensured compliance with RESPA, TRID, TILA, HMDA, investor guidelines, company policies, and state and federal regulations.
- Collaborated with loan officers, title companies, attorneys, underwriters, and branch personnel to facilitate timely and successful closings.
- Verified loan conditions, funding requirements, and wire transfers to ensure accurate and on-time loan funding.
- Identified and resolved documentation discrepancies prior to closing to prevent delays and ensure seamless transactions.
- Delivered exceptional customer service while building strong relationships with internal teams, title companies, attorneys, and borrowers.
- Mentored and trained junior closers, assisting with complex transactions and quality review.
- Adapted quickly to regulatory changes and implemented updated closing procedures to maintain compliance and operational efficiency.
Closer/Funder (Northeast Region)
2 Years 11 Months- Reviewed title commitments, tax certificates, homeowners insurance (HOI) policies, Closing Protection Letters (CPLs), and escrow information to verify accuracy, confirm the correct tax entity was entered into the loan system, ensure proper tax and insurance escrows, and maintain compliance with federal, state, investor, and company guidelines.
- Reviewed executed loan documents to ensure accuracy, compliance, and satisfaction of all funding conditions prior to authorizing funding to title companies and closing attorneys.
- Approved HUD-1 Settlement Statements and verified all closing conditions were satisfied before funding.
- Reviewed executed loan documents for accuracy and completeness prior to issuing funding authorization to the title company or closing attorney.
- Authorized wire transfers and coordinated loan funding to ensure timely disbursement of funds.
- Collaborated with loan officers, title companies, closing attorneys, and branch personnel to facilitate timely closings and funding.
- Identified and resolved documentation discrepancies prior to funding to prevent closing delays.
- Managed a high-volume pipeline while consistently meeting funding deadlines with minimal supervision.
- Delivered exceptional customer service while maintaining accuracy and regulatory compliance.
Escrow Closer
3 Years 3 Months- Managed residential real estate escrow transactions from contract to closing, ensuring compliance with Texas regulations, lender requirements, and company policies.
- Prepared, reviewed, and finalized settlement statements, deeds, affidavits, and other closing documents for accuracy and completeness.
- Conducted closing appointments, explained closing documents to buyers and sellers, answered questions, and obtained all required signatures.
- Reviewed title commitments, verified ownership, resolved title issues, and coordinated with lenders to satisfy closing requirements.
- Managed escrow accounts, balanced files, coordinated wire transfers, issued checks in accordance with closing instructions, and ensured accurate disbursement of funds.
- Coordinated with buyers, sellers, real estate agents, lenders, attorneys, and title underwriters to facilitate timely and seamless closings.
- Ensured all closing documents complied with federal, state, lender, and company guidelines prior to funding and recording.
- Recorded legal documents with the appropriate county offices and ensured timely issuance of title policies following closing.
- Delivered exceptional customer service by addressing client inquiries, resolving transaction issues, and maintaining positive relationships throughout the closing process.
Texas Retail Closing Manager
1 Year 9 Months- Led and managed a team of mortgage closers, ensuring retail mortgage loans were processed efficiently and in compliance with federal, state, investor, and company guidelines.
- Oversaw daily closing operations, monitored production pipelines, assigned workloads, and ensured on-time closings while maintaining quality and regulatory compliance.
- Served as the primary point of contact for loan officers, underwriters, funding departments, title companies, attorneys, notaries, and branch personnel to coordinate timely loan closings.
- Reviewed complex loan files, resolved documentation discrepancies, and implemented effective solutions to prevent closing delays and funding issues.
- Ensured all closing conditions were satisfied prior to funding and maintained compliance with regulatory, investor, and internal quality standards.
- Maintained accurate closing records, reports, compliance documentation, and audit-ready loan files.
- Generated production and pipeline reports for senior management to monitor closing performance, timelines, and operational efficiency.
- Trained, mentored, and supported junior closers by providing guidance on document preparation, compliance requirements, and closing procedures.
- Delivered exceptional customer service by proactively resolving issues and maintaining strong relationships with internal teams, title companies, and closing attorneys.
Texas Closer/Funder
2 Years 7 Months- Prepared mortgage closing documents for Texas home equity loans using TMO software in compliance with federal, state, investor, and company guidelines.
- Reviewed title commitments, tax certificates, homeowners insurance (HOI) policies, Closing Protection Letters (CPLs), and escrow information to verify accuracy, confirm the correct tax entity was entered into the loan system, ensure proper tax and insurance escrows, and maintain compliance with federal, state, investor, and company guidelines.
- Reviewed executed loan documents to verify accuracy, completeness, compliance, and satisfaction of all funding conditions prior to authorizing funding to title companies and closing attorneys.
- Approved HUD-1 Settlement Statements and verified all closing conditions were satisfied prior to funding.
- Authorized wire transfers and coordinated loan funding to ensure timely and accurate disbursement of funds.
- Collaborated with title companies, loan officers, processors, and branch personnel to resolve documentation issues and facilitate timely closings.
- Trained new closers on document preparation, funding procedures, regulatory requirements, and company policies.
- Managed a high-volume funding pipeline while consistently meeting funding deadlines and maintaining exceptional accuracy.
Education
High School Diploma
Skills
Nationwide Mortgage Closing & Funding
Closing Disclosure (CD) Review & Approval
Loan Document Preparation & Review
Title Commitment Review
Funding Authorization
Wire Transfer Coordination
Federal & State Compliance
TRID
HMDA
RESPA & TILA Compliance
Regulatory Compliance
Quality Control
Pipeline Management
FHA
VA
USDA
Conventional
Bond
CEMA & Co-op Loan Expertise
Customer Service
Problem Resolution
Team Leadership
Training & Mentoring
Attention to Detail
Time Management
Microsoft Office Suite
TMO
Datatrac
PrimePath Software
Timeline
CEO Owner (Established April 2003)
Mabank Feed Southern Glitz Boutique
04.2023 - CurrentRead More
Senior Closer (Northeast Region)
Polunsky Beitel & Green Onsite at Primelending, a Plainscapital Company
07.2011 - 04.2023Read More
Closer/Funder (Northeast Region)
Polunsky Beitel & Green Onsite at Nationstar Mortgage
08.2008 - 07.2011Read More
Escrow Closer
Colonial Title Company
05.2005 - 08.2008Read More
Texas Retail Closing Manager
Polunsky & Beitel Onsite at Centex Home Equity
08.2003 - 05.2005Read More
Texas Closer/Funder
Polunsky & Beitel Onsite at Centex Home Equity
01.2001 - 08.2003Read More
Mabank High School
High School Diploma
Read More