Lyndy A Howell
Layton
Summary
Professional with strong background in mortgage loan processing, adept at ensuring smooth and accurate closings. Known for strong focus on team collaboration, consistent reliability, and adaptability to changing needs. Expertise in document preparation, compliance, and customer communication, with keen eye for detail and results-driven approach. Ready to bring high standards and deliver impactful results.
Overview
11
11
years of professional experience
Work History
Loan Setup/Coordinator
UMortgage, Inc.
02.2024 - 11.2024
- Ordered title and home owners insurance policies
- Verified that all information needed for processing was uploaded to the file
- Gathered and organized materials to support operations.
- Managed project timelines for successful completion, ensuring milestones were met and deadlines were adhered to.
- Improved team productivity with regular communication and progress updates, fostering a collaborative work environment.
- Enhanced operational workflows by maintaining well-organized documentation systems and updating records accurately as needed.
Wholesale Mortgage Closer
Click N' Close, Inc.
08.2023 - 09.2023
- Verified accuracy and required legal documentation for each loan application to secure purchase
- Reviewed preliminary title reports to verify property address, vesting, necessary endorsements and legal description.
- Reviewed executed legal documents for actual closing and funding of each loan.
- Ensured all documents were correctly endorsed and that legal documents created by title companies were accurate and executed properly
- Ensured all conditions placed upon loan by underwriting are received, correct and approved by the Loan Underwriter
- Communicated with companies, the appropriate Loan Officer and Processors regarding closing dates and fees on an ongoing basis
- Order the wire to be received by the title company in a timely manner to coincide with the closing time
- Managed a pipeline of 50-70 loans per month, ensuring timely and accurate closings, contributing to high-quality loan processing
- Specialized in in-house down payment assistance programs, enhancing customer satisfaction and operational efficiency
- Provided comprehensive training to junior staff members on loan closing procedures and best practices.
- Improved overall operational efficiency by implementing new software solutions for mortgage processing tasks.
- Contributed to continuous improvement initiatives within the company by sharing knowledge about emerging trends in mortgage lending regulations or technology advancements.
- Streamlined communication between all parties involved in the mortgage process to ensure timely closures.
- Collaborated with title companies for smooth and accurate execution of closing documents.
- Provided highest level of service and support to customers, closing agents and realtors.
- Organized and prioritized multiple loan files simultaneously, maintaining strict deadlines to meet client expectations.
- Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues.
- Consulted with clients to recognize needs and provide tailored solutions.
Post Closing Specialist
UMortgage, Inc.
06.2023 - 08.2023
- Reviewed loan documents and verified data accuracy to resolve any post-closing issues or discrepancies
- Worked closely with internal departments, external parties and investors to clear conditions for loan purchase
- Communicated proactively with clients to address concerns or answer questions related to their loans after closing.
- Maintained a comprehensive understanding of industry guidelines, staying informed on updates and changes that could impact the post-closing process.
- Worked closely with title companies to verify lien releases and ensure accuracy in final documentation.
- Leveraged strong interpersonal skills to build rapport with clients, colleagues, and external partners, fostering a collaborative environment that contributed to the successful completion of loan closings.
- Completed post-closing quality control evaluations of originated mortgage loans.
Retail Lead Closer/Funder
Click N' Close, Inc.
07.2017 - 06.2023
- Established and maintained effective relations with loan officers, processors, underwriters, loan servicing, legal counsel, and government-sponsored entities, enhancing collaboration and efficiency
- Prepared loan estimates, closing disclosures, and closing documents/packages, ensuring timely and accurate documentation, contributing to high-quality loan processing
- Reviewed and approved HUD-1
- Balanced and ordered wires, reviewed signed loan documents and conditions for funding approval, ensuring compliance with federal and state regulations, achieving a compliance accuracy rate of 99%
Call Center Manager/Administrative Assistant
Major Mortgage
01.2014 - 07.2017
- First line of contact for warm leads and prequalification for mortgage loans
- Obtain credit reports, advice on loan program qualifications, and mortgage guidelines for Conventional, FHA USDA and VA loans
- Assistant to post closing manager
- Reviewing loan documents for compliance, completeness, and accuracy
- Obtained missing information, prepared files, and provided support to internal and external customers
- Followed up with loan packages and ensured procedures were followed according to policy and procedure
Education
Bachelor of Science - Criminal Justice
Weber State University
Ogden, UTSkills
- Exceptional attention to detail
- Strong problem solving skills
- Organizational skills
- Ability to work independently
- Experience with multiple files simultaneously
- FHA experience
- VA experience
- USDA experience
- Conventional experience
- DPA experience
- Bond Housing program experience
- Multitasking and organization
- Closing disclosure
- Compliance awareness
- Target achievement
- Microsoft outlook
- MS office
- Property appraisals
- Funding coordination
- Loan closing expertise
- Project Support
Timeline
Loan Setup/Coordinator
UMortgage, Inc.
02.2024 - 11.2024
Wholesale Mortgage Closer
Click N' Close, Inc.
08.2023 - 09.2023
Post Closing Specialist
UMortgage, Inc.
06.2023 - 08.2023
Retail Lead Closer/Funder
Click N' Close, Inc.
07.2017 - 06.2023
Call Center Manager/Administrative Assistant
Major Mortgage
01.2014 - 07.2017
Bachelor of Science - Criminal Justice
Weber State University
Similar Profiles
Alexander JacobsAlexander Jacobs
Jr. Digital Media Producer at UMortgageJr. Digital Media Producer at UMortgage
Nicole PronzatoNicole Pronzato
Mortgage Loan Processor at UMortgageMortgage Loan Processor at UMortgage
NATALIE MOTHORPENATALIE MOTHORPE
Loan Closer at UMortgageLoan Closer at UMortgage