Kyle Spencer
Chaplin,CT
Summary
Dedicated and highly organized Mortgage Loan Closer with 20 years of extensive experience in the banking and mortgage industries. Proven ability to efficiently manage administrative tasks, ensure file accuracy, and prepare comprehensive closing packages in compliance with TRID guidelines.
Overview
17
17
years of professional experience
Work History
Loan Closer
Northwest Community Bank
01.2020 - Current
- Manage administrative tasks within closing department efficiently.
- Review loan files upon assignment and ensure accuracy.
- Request title and preliminary work from attorneys, coordinating with to schedule closing dates.
- Assemble comprehensive closing packages for each transaction. Prepare initial closing disclosures in compliance with TRID Guidelines.
- Improved administrative efficiency by handling various functions promptly and accurately.
- Streamlined loan department operations through effective collaboration and clear communication with multiple personnel.
Loan Service Specialist
People’s United Bank
01.2019 - 01.2020
- Supervised various functions throughout loan servicing department, including addressing customer concerns, updating loan information, adding messages to loans, and collaborating with collections department for necessary updates. Prepared payoff letters upon request and promptly created releases and paid-off packages.
- Improved efficiency in managing multiple responsibilities, earning recognition for handling various administrative tasks.
- Achieved seamless collaboration and consistent reporting across loan departments by effectively coordinating with multiple personnel, showcasing strong teamwork and communication skills.
Loan Opener
People’s United Bank (F.K.A. United Bank)
01.2018 - 01.2020
- Administered functions throughout loan opening department, ensuring efficient and accurate processing. Ordered Flood Certificates and Fraud Reports for incoming loans promptly. Coordinated timely requests for appraisals and titles. Verified and updated HOI information accurately as needed. Requested VVOEs within 7 days of loan closing. Commended for handling multiple administrative tasks efficiently.
- Ensured compliance with TRID Guidelines by executing initial disclosures and managing COCs, resulting in streamlined regulatory adherence and minimized risk.
- Facilitated smooth operations by collaborating effectively with various loan departments and reporting to multiple personnel, leading to enhanced interdepartmental communication and efficiency.
Escrow Loan Servicer
People’s United Bank
01.2018 - 01.2019
- Performed administrative functions across escrow department, ensuring all tax information was maintained with a third-party vendor, and taxes were paid according to state and town regulations. Facilitated timely payment of insurance policies and spearheaded a clean-up project to ensure all escrowed loans were accurately recorded in vendor system.
- Recognized for enhancing administrative efficiency through proficient management of multiple functions.
- Achieved streamlined communication and coordination across loan departments by collaborating with multiple personnel.
Contract
United Bank, Aerotek
01.2017 - 01.2018
- Assisted in categorizing loan information and accurately inputting data into system. Administered various functions within loan department, including employment verification, insurance binder updates, denial letter dispatch, and system updates for loan information. Managed reorganization and update of a 12,000-file room.
- Improved administrative efficiency and punctuality by meeting deadlines and handling numerous tasks effectively.
- Enhanced team collaboration and communication across loan departments by coordinating with multiple personnel.
Universal Banker I
Savings Institute Bank & Trust
01.2016 - 01.2017
- Offered exceptional customer service while promoting a variety of bank products and services. Opened and closed business and personal deposit accounts. Maintained and balanced cash drawers. Processed wire transfers efficiently and accurately. Utilized technical skills to access customer information, open accounts, process checks, and review deposit histories and customer statements. Collaborated effectively with team members to address customer needs and resolve issues.
- Enhanced client satisfaction and loyalty by cultivating and sustaining strong customer relationships.
- Achieved high customer engagement by demonstrating comprehensive knowledge of bank’s products and services.
- Gained recognition for exceptional service quality through accurate processing of deposits, withdrawals, and other transactions.
Customer Service Representative
Action Packaging System
01.2014 - 01.2015
- Processed orders and prepared tickets for production team. Collaborated effectively with team members to meet and exceed customer expectations. Offered customers with accurate and competitive quotes for purchases. Earned recognition for efficiently managing customer purchase orders, quotes, and order processing.
- Secured purchase orders via email and phone communications.
- Delivered exceptional customer service by cultivating and sustaining strong relationships with clients.
Bank Teller
Savings Institute Bank & Trust
01.2009 - 01.2014
- Managed opening and closing of business and personal deposit accounts. Processed wire transfers efficiently and accurately. Utilized technical skills to access customer information, open accounts, process checks, and review deposit histories and customer statements. Collaborated effectively with team to meet customer needs and solve problems. Cultivated and sustained strong relationships with customers. Maintained an accurate and balanced cash drawer.
- Enhanced client trust by effective resolution of customer account-related inquiries.
- Achieved superior customer service with efficient processing of deposits, withdrawals, and other transactions.
- Increased customer satisfaction through exceptional service and promotion of diverse bank products and services.
Education
Certificate in Medical Billing & Coding -
Tunxis Community College
Farmington, CT01.2024
Master of Science - Sports Management
United States Sports Academy
Daphne, AL01.2013
Bachelor of Science - Sports, Entertainment & Event Management
Johnson & Wales University
Providence, RI01.2008
Skills
- Document review
- Title examination
- Data collection
- Regulatory compliance
- Loan closing documentation
- Closing procedures
- Closing techniques
Timeline
Loan Closer
Northwest Community Bank
01.2020 - Current
Loan Service Specialist
People’s United Bank
01.2019 - 01.2020
Loan Opener
People’s United Bank (F.K.A. United Bank)
01.2018 - 01.2020
Escrow Loan Servicer
People’s United Bank
01.2018 - 01.2019
Contract
United Bank, Aerotek
01.2017 - 01.2018
Universal Banker I
Savings Institute Bank & Trust
01.2016 - 01.2017
Customer Service Representative
Action Packaging System
01.2014 - 01.2015
Bank Teller
Savings Institute Bank & Trust
01.2009 - 01.2014
Master of Science - Sports Management
United States Sports Academy
Bachelor of Science - Sports, Entertainment & Event Management
Johnson & Wales University
Certificate in Medical Billing & Coding -
Tunxis Community College
Additional Experience
- Group Sales Representative | Connecticut Defenders AA Baseball Team, Norwich, CT
- Intern | Stafford Motor Speedway, Stafford Springs, CT
- Floating Clerk | Savings Institute Bank & Trust, Willimantic, CT
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