Larry Alexander
Brandon,FL
Summary
Experienced mortgage and loan processing specialist with a strong background in administration, post-closing audits, underwriting and team leadership. Proven record in managing mortgage pipelines, collaborating with title companies, and ensuring compliance with loan terms and conditions.
Overview
25
25
years of professional experience
Work History
Mortgage Post Closing Specialist
Suncoast Credit Union
Tampa
03.2022 - 01.2026
- Maintained a pipeline of 50 to 75 mortgages to review.
- Worked closely with title companies and / or law offices to complete the post-closing audit.
- Reviewed documents in the post-closing packages to ensure accuracy.
- Reviewed registered mortgages to verify that the credit union's interest was recorded with the correct county and state recording offices.
- Reviewed the registered mortgage to verify the correct riders were attached.
- Confirmed that the final Closing Disclosure is complete and has the correct dollar amounts.
Home Loan Specialist I
Aston Carter on behalf of Pennymac Loan Services
Tampa
08.2021 - 05.2022
- Reviewed checks received post-closing and determined how the funds should be applied to the mortgage.
- Contacted title companies to ask for additional documents that were needed to apply the funds to the mortgage (i.e., ALTA Settlement Statement, Final Disbursement Log, etc.)
- Requested a new Post Closing Disclosure when fee amounts changed due to funds after they were applied to the loan.
- Reviewing local tax websites to determine if taxes were paid in full for the current year. Printed tax certificates and attached to the file.
- Monitor the post-closing email box, and replying to the sender, or forwarding the message to the correct department.
- Use Encompass to review notes, add documents to the eFolder, and search for documents that were received.
Team Leader – Streamline Refinance Processing Team
Sourcepoint Mortgage on behalf of Freedom Mortgage
Tampa
11.2020 - 07.2021
- Replied to emails from Loan Officers and borrowers regarding outstanding conditions needed to move loan to the underwriting department.
- Worked exclusively on the FHA Streamline Refinance programs.
- Reviewed loan compliance documents to make sure they were completed accurately.
- Cleared conditions in the processing system as necessary.
- Contacted the borrower directly if additional information or documents were required.
- Produced productivity reports for management to review.
Loan Processing Assistant – Government Contractor
Brilliant Corporation
Tampa
05.2020 - 11.2020
- Worked with the Small Business Administration to provide disaster relief loans during the COVID crisis.
- Reviewed client's credit bureau and made recommendations based on borrower's credit history.
- Independently manages assigned portfolio of loans. Ensured all routine transactions requirements were accomplished for assigned loans.
- Advised supervisory loan specialist and/or lead loan specialist any adverse change in financial condition or any serious violation of loan agreement.
- Analyzes borrower’s financial statements, compared with statements previously furnished to determine trends in financial condition and to determine compliance with loan terms and conditions.
- Answers basic credit requests from individual borrowers, banks, and other financing agencies.
Senior Underwriter
MCAP
Toronto
09.2010 - 09.2014
- Evaluated risk factors for mortgage applications and established underwriting guidelines.
- Collaborated with loan officers to assess borrower qualifications and financial stability.
- Reviewed property appraisals to ensure accurate valuation and compliance standards.
Manager Senior Underwriter
AGF Trust
Toronto
03.2001 - 06.2010
- Developed strategic plans for improving client service and engagement.
- Managed team of financial professionals to ensure compliance with regulations.
- Oversaw project timelines and deliverables for multiple client accounts.
Education
Bachelor of Science - Business Administration, Accounting / Finance
University of Tulsa
Skills
- Over 25 years of customer service
- Providing Atmos service to retailers and borrowers
- Reviewing financial documents
Mortgage Credit Experience
- 01/01/98, 12/31/01, Cendant Mortgage, USA, Mortgage processing (Conventional, FHA, and VA)
- 01/01/02, 12/31/09, AGF Trust Company, Canada, Mortgage administration, Funding / Closing, and Underwriting (Government Insured and Conventional)
- 01/01/09, 12/31/14, MCAP Mortgage Corporation, Canada, Underwriting, Special Processing (Covenant removal, Partial Discharge, insurance payments)
- 01/01/20, 12/31/20, Brilliant Corporation, FL, USA, Underwriting Small Business Administration COVID Loans
- 01/01/20, 12/31/21, Sourcepoint Mortgage, FL, USA, Team Lead FHA Streamline Refinance Processing
- 01/01/21, 12/31/22, Ashton Carter / Pennymac, FL, USA, Post closing processing payments
- 01/01/22, 12/31/26, Suncoast Credit Union, FL, USA, Post Closing Audit
Timeline
Mortgage Post Closing Specialist
Suncoast Credit Union
03.2022 - 01.2026
Home Loan Specialist I
Aston Carter on behalf of Pennymac Loan Services
08.2021 - 05.2022
Team Leader – Streamline Refinance Processing Team
Sourcepoint Mortgage on behalf of Freedom Mortgage
11.2020 - 07.2021
Loan Processing Assistant – Government Contractor
Brilliant Corporation
05.2020 - 11.2020
Senior Underwriter
MCAP
09.2010 - 09.2014
Manager Senior Underwriter
AGF Trust
03.2001 - 06.2010
Bachelor of Science - Business Administration, Accounting / Finance
University of Tulsa