Lurena Black
Corona,CA
Summary
Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience. Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
24
24
years of professional experience
Work History
Loan Closer Funder
Essex Mortgage
Orange, CA
10.2010 - 09.2023
- Prepared loan closing documents and disbursement instructions according to lender requirements.
- Reviewed loan documents for accuracy and completeness prior to funding.
- Verified that all conditions of the loan have been satisfied before funding.
- Maintained accurate records of funded loans in the system database.
- Resolved any discrepancies or issues identified in the loan files prior to funding.
- Ensured compliance with applicable laws, regulations, and policies related to loan closings.
- Coordinated with external partners such as title companies, appraisers, lenders.
- Assisted with post-closing activities such as document recording, wire transfers.
- Participated in training sessions conducted by lenders on new products or services.
- Managed assigned pipeline of loans from initial application through final closing and funding stages.
- Updated internal teams on progress of each individual loan file throughout the closing process.
- Managed and resolved concerns, problems or issues to avoid closing delays.
- Reviewed title commitment and insurance policies to support pre-closing documentation.
- Delivered excellent customer service by identifying needs and recommending custom solutions.
- Handled pipeline of active deals in closing stage.
- Scheduled loans with attorneys to close within expiration dates.
- Completed final closeout of systems after loan funding.
Loan Closer Funder
American Home Mortgage
Rancho Cucamonga, CA
07.2003 - 08.2007
- Prepared loan closing documents and disbursement instructions according to lender requirements.
- Reviewed loan documents for accuracy and completeness prior to funding.
- Verified that all conditions of the loan have been satisfied before funding.
- Maintained accurate records of funded loans in the system database.
- Assisted with post-closing activities such as document recording, wire transfers.
- Resolved any discrepancies or issues identified in the loan files prior to funding.
- Ensured compliance with applicable laws, regulations, and policies related to loan closings.
- Coordinated with external partners such as title companies, appraisers, lenders.
- Participated in training sessions conducted by lenders on new products or services.
- Updated internal teams on progress of each individual loan file throughout the closing process.
- Managed and resolved concerns, problems or issues to avoid closing delays.
- Reviewed title commitment and insurance policies to support pre-closing documentation.
- Delivered excellent customer service by identifying needs and recommending custom solutions.
- Handled pipeline of active deals in closing stage.
- Reviewed loan applications and supporting documentation for completeness and compliance.
- Completed final closeout of systems after loan funding.
Mortgage Post-closing
Capital Funding Group
Costa Mesa, CA
10.1999 - 06.2003
- Reviewed loan documents and ensured accuracy of information provided by customer.
- Prepared closing statements, secured signatures on documents, and reviewed all loan conditions with customers.
- Verified that all required documentation was received prior to closing date.
- Resolved discrepancies between loan documents and credit reports.
- Calculated mortgage payments, interest rates, taxes, insurance amounts.
- Coordinated with title companies to ensure timely delivery of documents to settlement agents.
- Reviewed final closing disclosure statement for accuracy prior to closing day.
- Maintained up-to-date knowledge of industry regulations and procedures.
- Organized files according to company standards and maintained electronic records.
- Adhered to established policies and procedures when preparing closing documents.
- Monitored loans post-closing for compliance with investor guidelines or requirements.
- Scheduled closing meeting after gathering and preparing loan package documentation.
- Verified accuracy of information on mortgage documents.
- Promoted strong commitment to productive loan processing by following up with necessary parties and quickly resolving issues.
- Reviewed post-closing documents to ensure accuracy and completeness.
- Prepared closing files for final review and approval by management.
- Verified loan data to ensure accuracy of information in the system.
- Updated loan status on internal systems as needed.
- Generated reports related to closed loans and other mortgage transactions.
- Assisted with resolving discrepancies between lender's documents and title policies.
- Researched problems related to post-closing activities, such as late payments or incorrect fees charged.
- Monitored daily workflow queues for post-closing tasks requiring completion.
- Responded promptly to customer inquiries about their closed loans.
- Analyzed documents for compliance with applicable laws, regulations, and investor guidelines.
- Facilitated communication between lenders, borrowers, investors, and other parties involved in the transaction.
- Performed post-closing checks of mortgage loan documentation.
- Reviewed records for accuracy and completeness to maximize compliance and prevent errors.
- Completed transaction documents such as buyer, seller and HUD paperwork.
- Consulted with warehouse bank personnel to handle collateral document shipments.
- Scanned and uploaded loan and related documents into system.
- Examined and verified information in loan application and closing documents.
- Reviewed and corrected errors on interest, principal and closing costs.
Education
High School Diploma -
Palisades Charter High School
Pacific Palisades, CA06.1988
Skills
- File Management
- Regulatory Compliance
- Loan Disbursement
- Employment Verification
- Calculations Review
- Problem-Solving
- Mortgage Broker Collaboration
- Calculations Error Correction
- Loan Records Filing and Maintenance
- Funds Disbursement Application
- Government Lending
- Microsoft Office
- Customer Communication
- Data Entry
- Closing Documentation
- Decision-Making
- Mortgage Closing Scheduling
- Customer Service
- Bank Secrecy Act BSA
- Lending Software Systems
- Regulatory Compliance Documentation
Languages
English
Professional
Timeline
Loan Closer Funder
Essex Mortgage
10.2010 - 09.2023
Loan Closer Funder
American Home Mortgage
07.2003 - 08.2007
Mortgage Post-closing
Capital Funding Group
10.1999 - 06.2003
High School Diploma -
Palisades Charter High School
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