Lynnette Roberson
Mortgage Professional
Hazel Crest,IL
Summary
Well-organized Mortgage Loan Closer promoting a background in preparing closing figures for refinance and purchase transactions working with attorneys, clients, and title company professionals. Reviewing final loan documents for accuracy and answering questions from customers and other stakeholders. Possessing the skills needed to meet very tight deadlines. Looking to tackle new challenges with a financial institution that values successful response and time management skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
35
35
years of professional experience
Work History
Warehouse Laborer, Stower & Packer
Amazon
10.2022 - Current
- Scanning and stowing products with a weight of 5 - 75 lbs
- Products stowed into a large pod, product length of 6 inches - 18 inches
- Remove any open or damaged products from tote, product cannot be stowed, placed in problem solve location
- Meeting a stowing rate of 250 items per hour
- Maintain a neat and clean work station at the end of shift
- Cross trained and workshared in packing
- Build a box for each order, and retrieve order items from the packing wall
- Scanning and packing customers orders at a rate of 165 items per hour.
Mortgage Loan Closer
Wells Fargo
Lombard, IL
05.2015 - 07.2022
- Pipeline Management of 40 to 89 loans monthly to include, purchase, refinance, new construction, FHA, VA
- Manufactured Homes and Jumbo loans
- Collaborate with settlement agent's, including (title companies, attorneys), to prepare borrowers with Closing Disclosure figures, estimated or final within 10 -days prior to closing, to meet TRID guidelines
- Any changes to figures the borrowers will receive updated closing disclosure within 5 - 3 days prior to closing
- Review purchase contract to confirm details of any seller's concessions or any fees paid by the sellers, earnest money, seller's information and all required disclosures, to confirm a fully executed PA
- Confirmed with the customer via welcome call, to confirm name spelling and how title should be vested on the mortgage document
- Request insurance company and gents number for follow up
- Promoted strong commitment to productive loan processing by following up with necessary parties and quickly resolving issues
- Review title, appraisal, homeowners insurance
- Confirm closing date, time and location with the settlement agent prior to clear to close
- Communicate with Home Mortgage Consultant and Processor on file status, including closing date, final figures and any issue that arises that could delay closing
- Compiled applications and paperwork and double-checked for accuracy
- Delivered a high level of service to every loan stakeholder through effective communication and explanation of Closing Disclosure documentation
- Follow up with Underwriter and Processor on any prior to closing stipulation that may need to be collected at closing prior to funding
- Closer to ensure that those documents are included with the closing package and are in the closing instructions
- Delivered closing documents and verified accuracy of information on mortgage documents, with a settlement agent
- Delivered a high level of service to borrowers through phone communication, reviewing Closing Disclosure documentation to provide final figures, and confirmed scheduling information with location and time
- Confirm funds to close should be wired to the settlement agent or cashier check made payable to the settlement agent
- Responded to customer questions quickly and returned calls before the end of business day or next business day.
Sr. Loan Processor
Wells Fargo
Downers Grove, IL
09.2007 - 03.2015
- Completed welcome call communication via phone, to customer for processor introduction to provide contact information during the loan process for future follow up
- Discussed additional document requests to complete initial approval submission to underwriting
- Submitted detailed loan packages to the underwriting department to facilitate
- Order appraisal, title commitment for review and underwriting
- Maintained follow up process until vendors delivered requested documents
- Communicated with Home Mortgage Consultant on initial approval or denial after initial underwrite to confirm how to proceed with underwriting results
- Customer is contacted by the Home Mortgage Consultant or Processor on initial underwriter results
- Any additional document needed for final approval submission
- Verify homeowners insurance agents information and order declaration page for insurance review
- Verified accuracy of information with borrowers for mortgage documents
- Responded to customer questions quickly and returned calls within 24 hours or same day
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information
- Compiled applications and paperwork and double-checked for accuracy
- Met with applicants to obtain information for loan applications and answer questions about the loan process
- Promoted strong commitment to productive loan processing by following up with necessary parties and quickly resolving issues
- Delivered high level of service to every loan stakeholder through effective communication and explanation of required documentation for loan approval or clear to close
- Delivered a high level of service to borrowers through phone communication, reviewing and providing final figures, and confirmed scheduling information with location and time
- Communicate with Home Mortgage Consultant and Processor on file status, including closing date, final figures and any issue that arises that could delay closing
- Approval or denial processes
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times
- Obtained and verified clearance of underwriting conditions to prepare loan files for submission and approval.
Sr. Loan Processor
LaSalle Home Lending
Orland Park, IL
08.2006 - 08.2007
- Managed conditions sent from underwriting departments
- Created and completed loan submission packages
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes
- Answered questions and advised customers regarding loans and transactions
- Worked with third-party vendors to address and clear loan closing requirements
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications
- Reviewed initial client documentation to structure and submit loan packages
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting
- Confirmed submitted documents meet lender requirements prior to initial loan underwrite.
Closing Coordinator
Ocwen Financial Corporation
Downers Grove, IL
01.2006 - 08.2006
- Performed title searches, ordered reports and obtained clearance documents
- Reviewed title commitment and insurance policies to support pre-closing documentation
- Handled pipeline of active deals in closing stage
- Collaborate with settlement agent's, including (title companies, attorneys), to prepare borrowers with final figures
- Read and interpret loan and legal documentation
- Scheduled loans with attorneys to close within expiration dates
- Managed and resolved concerns, problems or issues to avoid closing delays
- Completed final closeout of systems after loan funding.
Home Mortgage Consultant
Wells Fargo Home Mortgage
Chicago, IL
04.2000 - 01.2006
- Employed fresh marketing techniques to expand the book of business
- Held presentations with realtors, builders, and attorney’s presenting marketing materials
- Also mass mailout brochures with new products lenders have implemented
- Discussed loan product financing (FHA, VA, Confirming, and Subprime
- Lending)
- Confirm which product meets borrower financial needs
- Counseled clients on home purchasing and loan process as well as on industry topics
- Presented and processed client loan documents and verified comprehension of essential language
- Discussed current loan rates ( fixed and adjustable)
- Helped clients fill out loan applications and find ideal loan options
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information
- Communicated effectively with settlement agents, attorney’s and realtors on procedure towards final approval loan status
- Developed and maintained relationships with local real estate agents
- Gathered client debt, credit and income information to determine loan eligibility
- Met with applicants to obtain information for loan applications and answer questions about the loan process
- Stayed abreast of lending regulations, industry trends and market rates
- Collaborated with company teams to expedite loan approval processes
- Approved or denied loan applications and explained reasoning behind decisions
- Final position Branch Coordinator
- Liaison between OPS and Branch Office
- Prepared reports for Branch Manager
- Follow up with OPS for status on Loans with no processing actively within 30 days
- Prepared Excel spreadsheet based on information provided by Home Mortgage
- Consultant on file’s requiring immediate attention
- Compiled report to all processing manager and branch manager for status update
- Continued follow up until loans were either closed or submitted for denial, due to lenders requirements not met.
Mortgage Loan Processor
North American Mortgage
Lisle, IL
03.1999 - 04.2000
- Submitted detailed loan packages to the underwriting department to facilitate
- Order appraisal, title commitment for review and underwriting
- Maintained follow up process until vendors delivered requested documents
- Verify homeowners insurance agents information and order declaration page for insurance review
- Verified accuracy of information with borrowers for mortgage documents
- Responded to customer questions quickly and returned calls within 24 hours or same day
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information
- Compiled applications and paperwork and double-checked for accuracy
- Met with applicants to obtain information for loan applications and answer questions about the loan process
- Promoted strong commitment to productive loan processing by following up with necessary parties and quickly resolving issues
- Delivered high level of service to every loan stakeholder through effective communication and explanation of required documentation for loan approval or clear to close
- Delivered a high level of service to borrowers through phone communication, reviewing and providing final figures, and confirmed scheduling information with location and time
- Communicate with Home Mortgage Consultant and Processor on file status, including closing date, final figures and any issue that arises that could delay closing
- Approval or denial processes
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times
- Obtained and verified clearance of underwriting conditions to prepare loan files for submission and approval.
Mortgage Loan Specialist
Green Tree Financial, Oakbrook
, IL
03.1998 - 03.1999
- Submit complete loan application to underwriting for loan approval
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information
- Order, title commitment, appraisals, homeowners insurance, subordination agreements or any documents that are required for the loan process ( refinance or purchase)
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses
- Reviewed client documentation and contracts for discrepancies and mistakes
- Updated client account information and records in company databases
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action
- Stayed abreast of lending regulations, industry trends and market rates
- Informed customers of application deadlines, approvals and denials
- Gathered client debt, credit and income information to determine loan eligibility
- Met with applicants to obtain information for loan applications and answer questions about the loan process
- Delivered closing documents to Loan Officer
- All closings were notary closing with Loan Officer and closing documents after signing were reviewed by Loan
- Mortgage Specialist for accuracy
- Facilitated final funding procedure, and issues checks to all creditors, and settlement agent funding checks via express.
Compliance Document Review Specialist
Household Finance Corporation
Elmhurst, IL
01.1989 - 01.1998
- Compliance review of all closed loans Household Bank in 47 states
- Review all closed loans transactions to ensure all documents are fully executed, and in compliance with state laws
- Prepared compliance deficiency report for
- Loan Officers and Branch Managers, to be addressed prior to final post closing, for commission approval
- Prepared Mortgage release documents and delivered to county for recording on all closed loans, within 30 after paid in full
- Borrowed received a copy of original release, with paid in full Note for their records, Original will be sent by county to borrower
- 1996 cross trained in a call center setting as a Customer Service Representative for Household Bank
- Providing customers with account information for checking, savings, ira's and money market accounts, and addressing overdraft fees
- Loan Officer for one year
- Facilitated Sales, revolving, closed-end, equity lines, and personal loans
- Return back to OPS as a temporary Team Lead Manager in document compliance
- Facilitated training in the area of document review and mortgage release for personnel and new hire onboarding
- Gathered and distributed content management system training materials to users.
Education
High School Diploma - undefined
Thornton High School, Some College
May 1981
Bank Tellers Training Course - undefined
South Suburban College of Cook County
Real - Estate Finance
IL Some College, Triton College
Insurance Licensing Course (online, currently active classes), Excel Partners - undefined
Skills
- Income Evaluation
- Loan Processing Coordination
- Complaint Handling
- Credit History Review
- Automated Underwriting System (AUS)
- Loan File Review
- Problem-Solving
- Customer Service and Support
- Closing Document Procedure
- Documentation
- Resolve Paperwork Errors
- Regulatory Compliance Documentation
- Compile Documents
- Funds Disbursement Application
- Closing Costs Calculation
- Complete Loan Applications
- Appoint Scheduling
- Mortgage Closing Scheduling
- Active Listening and Learning
- Home Mortgage Disclosure Act
- Desktop Underwriter
- Completing Interviews
- Client Data Gathering
- Government Lending
- Program Requirements
- Processing Procedures
- Customer Interaction
- Information Verification
- Government Standards
- Short Sales
- Contacting Borrowers
- Appraisal Reviews
- Status Updates
Timeline
Warehouse Laborer, Stower & Packer
Amazon
10.2022 - Current
Mortgage Loan Closer
Wells Fargo
05.2015 - 07.2022
Sr. Loan Processor
Wells Fargo
09.2007 - 03.2015
Sr. Loan Processor
LaSalle Home Lending
08.2006 - 08.2007
Closing Coordinator
Ocwen Financial Corporation
01.2006 - 08.2006
Home Mortgage Consultant
Wells Fargo Home Mortgage
04.2000 - 01.2006
Mortgage Loan Processor
North American Mortgage
03.1999 - 04.2000
Mortgage Loan Specialist
Green Tree Financial, Oakbrook
03.1998 - 03.1999
Compliance Document Review Specialist
Household Finance Corporation
01.1989 - 01.1998
High School Diploma - undefined
Thornton High School, Some College
Bank Tellers Training Course - undefined
South Suburban College of Cook County
Real - Estate Finance
IL Some College, Triton College
Insurance Licensing Course (online, currently active classes), Excel Partners - undefined
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