Lizzette Whitley
Coconut Creek,FL
Summary
Dedicated professional with over 15 years of experience in Residential and Commercial Loans, Construction Administration, and Customer Service Management. Strong time management skills. Proficient in MS Office, Excel, Encompass, and LaserPro.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Commercial Closer
First Horizon Bank
Fort Lauderdale, United States
03.2023 - Current
- Manage and administer a portfolio of loans from origination through settlement and funding in accordance with bank policies, procedures, and regulatory requirements.
- Analyze credit approvals to identify the required due diligence and documentation for loan closings.
- Serve as a liaison among Private Client Group, internal team, outside counsel, and third-party vendors.
- Confirm that all conditions within the approval have been cleared before closing.
- Prepare Closing Letter for Bank Counsel to include all fees to be disbursed.
- Resolve any post-closing matters, including collateral substitutions, loan document amendments, and clearing capital partner exceptions.
Commercial Loan Closer
SROA Capital
West Palm Beach, United States
09.2022 - 03.2023
- Verified accuracy of all closing documents for completeness and compliance.
- Coordinated closings with outside counsel on behalf of the internal team, Private Client Group, and in-house counsel.
- Reviewed settlement statements provided by outside counsel.
- Resolve conflict between parties involved in transaction, if necessary.
- Closed all loans without material, administrative, or compliance exceptions.
Construction Loan Administrator
Centennial Bank
Miami/Fort Lauderdale Area
01.2020 - 09.2022
- Initial set up of the construction loan file, including review of approval documents, contracts, commitment letters, construction loan agreements, budgets, and draw schedules.
- Resolved issues or disputes between borrowers or lenders in an efficient manner.
- Generated periodic reports summarizing the status of active loans within the portfolio.
- Collaborated with other departments to resolve any discrepancies related to the loan process.
- Received Award for rate of closed loans.
Mortgage Loan Closer
City National Bank
Miami/Fort Lauderdale Area
08.2016 - 01.2020
- Coordinated with closing attorneys, title companies, and various internal departments throughout the mortgage process to ensure timely completion.
- Conducted pre-closing audits for compliance with applicable regulations.
- Calculated mortgage payments, interest rates, taxes, insurance amounts.
- Coordinated with title companies to ensure timely delivery of documents to settlement agents.
- Monitored loans post-closing for compliance with investor guidelines or requirements.
- Assisted borrowers in understanding the terms and conditions of their loans.
Mortgage Loan Closer
Priority Lending Corp (Contract)
Cooper City
08.2015 - 08.2016
- Gathered borrower's information, verified loan documents, and reviewed file documentation from pre-approval to closing.
- Provided guidance and support throughout the entire loan process.
- Ensured timely submission of completed loan packages to underwriting department.
- Adhered to established policies and procedures when preparing closing documents.
- Prepared closing statements, secured signatures on documents, and reviewed all loan conditions with customers.
Mortgage Loan Closer
HAPO Community Credit Union
Edmonds, Washington
04.2010 - 07.2015
- Cleared to close in accordance with company, investor, and federal guidelines for compliance with consumer disclosures.
- Answered inquiries from customers regarding loan status or changes in circumstances.
- Verified that all required documentation was received prior to closing date.
- Reviewed final closing disclosure statement for accuracy prior to closing day.
- Prepared closing statements, secured signatures on documents, and reviewed all loan conditions with customers.
- Processed payoffs from other lenders as well as escrow accounts at time of closing.
Education
Social and Medical Certified Interpreter - Translator - Social and Medical Translation/ Interpretation
Washington State Department of Health and Social Services
01.2003
Project Management -
Coursera
Skills
- LaserPro
- US VA Loans
- US Federal Housing Authority (FHA)
- CRM proficiency
- Closing Techniques
- Application Review
- Relationship Management
- Loan Disbursement
- Organizational Skills
- Collateral Value Checks
Certification
- Motivational Interviewing
- Notary Public
- Certified Interpreter/ Translator
- Community Health Worker Training
Languages
- English, Native or Bilingual
- Spanish, Native or Bilingual
Timeline
Commercial Closer
First Horizon Bank
03.2023 - Current
Commercial Loan Closer
SROA Capital
09.2022 - 03.2023
Construction Loan Administrator
Centennial Bank
01.2020 - 09.2022
Mortgage Loan Closer
City National Bank
08.2016 - 01.2020
Mortgage Loan Closer
Priority Lending Corp (Contract)
08.2015 - 08.2016
Mortgage Loan Closer
HAPO Community Credit Union
04.2010 - 07.2015
Social and Medical Certified Interpreter - Translator - Social and Medical Translation/ Interpretation
Washington State Department of Health and Social Services
Project Management -
Coursera
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