Latonya Henderson
Escrow Operations
Irving,TX
Summary
Talented Escrow Funder with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 15 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.
Overview
20
20
years of professional experience
3
3
Certifications
Work History
Escrow Account Funder
Zillow Group
Irving, TX
02.2020 - 08.2023
- Assessed loan portfolios for compliance with underwriting policies.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Developed and maintained relationships with customers, lenders and other third parties.
- Researched and updated industry knowledge on changing legislation and regulations.
- Supervised loan personnel and motivated to maintain customer service and performance standards
- Monitored pipelines to track and log status of loans
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
- Evaluated loan requests and documents to verify accuracy and completeness
Escrow Assistant
Fair Texas Title
McKinney, TX
03.2017 - 01.2020
- Returned executed loan packages to lender for review and approval in accordance with lender instructions.
- Examined purchase and sale agreement for potential items of concern and addressed immediately.
- Forwarded title clearing documentation to title officer for approval.
- Prepared and delivered projected HUD-1 settlement statements to lender upon request.
- Followed-up on status of releases, policies, and return of recorded documents.
- Scheduled signings and gathered required paperwork.
- Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
- Studied and clarified buyer, seller, and lender instructions to determine escrow requirements.
- Maintained open communication with lenders, brokers and borrowers.
- Developed strategies to improve processes and reduce costs.
- Processed and verified all new account applications and documents.
Mortgage Loan Processor
First American Mortgage Solutions
Plano, TX
04.2007 - 01.2017
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Communicated with originator and applicant concerning progress of loan file.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Educated customers on loan services and regulations to confirm compliance.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Processed mortgage loan applications accurately and successfully for over 10 years
Credit Specialist
Wells Fargo
01.2004 - 03.2007
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Monitored appropriateness of credit limits on customers, making changes to realign operations with policies and targets.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Developed effective relationships with customers, which helped improve overall payment processes.
- Managed additional responsibilities by filling in for unavailable supervisors to maintain smooth operations.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Adhered to banking standards and government lending guidelines for loan services.
- Checked appraisals, title information and insurance documents for each property.
- Prepared reports of findings and recommendations.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Kept records of customers' charges and payments.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts
- Monitored appropriateness of credit limits on customers, making changes to realign operations with policies and targets
- Optimized credit approval and collection processes, improving operational efficiencies by over 75%
- Devised collection recovery strategies to resolve customer issues and delinquent cases
Education
Associate of Applied Science -
Lubbock Christian University
Lubbock, TX 05.2001 -
Skills
Asset Allocation
Data Management
Investment Strategies
Financial Markets
Portfolio Management
Financial Statements
Attention to Detail
Credit History Review
Credit File Updating
Loan File Maintenance
Microsoft Office
Data Entry
Financial History Review
Customer Service-Focused
Oral and Written Comprehension
Analytical and Critical Thinking
Certification
Project Management Certification
Timeline
Data Analytics
12-2023
CSR Certification
05-2022
Project Management Certification
05-2020
Escrow Account Funder
Zillow Group
02.2020 - 08.2023
Escrow Assistant
Fair Texas Title
03.2017 - 01.2020
Mortgage Loan Processor
First American Mortgage Solutions
04.2007 - 01.2017
Credit Specialist
Wells Fargo
01.2004 - 03.2007
Associate of Applied Science -
Lubbock Christian University
05.2001 -