Marie Mona Raphael
Wesley Chapel
Summary
Licensed Mortgage Loan Officer/Officer - Loan Servicing Operations Senior Representative with over 19 years of extensive experience in mortgage banking operations and mortgage funding, dedicated to providing exceptional customer service while meeting or exceeding service level agreements. Skilled in both individual and team settings, bringing a strong work ethic, and leadership abilities to every project. Focused on problem-solving, risk management, and operational efficiency, thriving in fast-paced environments, and adapting to changing needs. Expertise in TRID (TILA-RESPA Integrated Disclosure) compliance, disclosure review, documentation accuracy, and regulatory risk mitigation.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Licensed Mortgage Loan Officer
Innovative Mortgage Services
Lutz
07.2025 - Current
- Collaborated with real estate agents to facilitate smooth transactions.
- Assisted clients in understanding mortgage options and loan processes.
- Evaluated financial documents to determine borrower eligibility for loans.
- Reviewed and analyzed credit reports to assess risk factors.
- Maintained up-to-date knowledge of industry regulations and compliance standards.
- Facilitated smooth transitions from pre-qualifications through the closing process by providing timely communication between all parties involved.
- Prepared closing documents such as promissory notes, deeds of trust and mortgages, Truth In Lending Statements, Good Faith Estimates and other required paperwork.
- Gathered client debt, credit and income information to determine loan eligibility.
Licensed Mortgage Loan Officer
Barrett Financial Group
Gilbert
02.2025 - 06.2025
- Ensured compliance with regulatory requirements throughout the lending process.
- Identified potential regulatory and credit risks, and collaborated with underwriting and closing teams to resolve compliance exceptions.
- Evaluating loan applications, understanding credit reports, and making informed lending decisions.
- Building trust and rapport with clients, fostering long-term relationships.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Conducted interviews with prospective clients to gather information regarding loan applications.
Officer- Loan Servicing Operations Senior Representative
Bank of America
Tampa
01.2015 - 10.2024
- Reviewed borrower financial documentation to ensure TRID-compliant disclosures, and adherence to federal lending regulations.
- Verified accuracy, completeness, and timing of Loan Estimates (LE) and Closing Disclosures (CD) in compliance with TILA-RESPA requirements.
- Resolved complex loan issues and enhanced customer satisfaction.
- Analyzed data to identify trends, driving strategic decisions.
- Managed the servicing of mortgage documents, procedures, and risk management of the custodian portfolio.
- Responsible for the day-to-day reports, data analysis, research, and resolution of varied problems.
- Review and capture loan data from mortgage documents, including the Mortgage, Note, Right of Rescission, Loan Estimate, Closing Disclosure, Good Faith Estimate, 1003, and appraisal.
- Performed working sessions for the team to provide quality assurance feedback and ensure consistency.
- Served as backup subject matter expert (SME) on all the functions within the team.
Collateral Research
Bank of America
Tampa
06.2014 - 12.2014
- Performed various intermediate-level production and support functions, including applications compliance with the Federal HMDA File NET imaging system, data entry, monitoring, and reviewing vendor items, appraisals, title, and flood reports.
- Locate, note, or execute a Loss Note Affidavit for foreclosed mortgages, lost notes, and bonds on mortgages.
- Reviewed approved applications for documentation requirements, preparing various closing documents, and monitoring closed loan pipelines to ensure timely processing.
Post Closing Specialist II
Bank of America
Tampa
02.2013 - 06.2014
- Contributed to the development of new policies and procedures aimed at improving overall post-closing operations within the company.
- Reviewed files for complete and accurate documentation to include Deeds, Mortgages, Assignments and Title work.
- Actively worked with outside sources such as the County recorder, Title Company, Underwriter, and outside vendors in the procurement of the documentation required to satisfy government and investor servicing agreements.
- Assisted in resolving outstanding issues with underwriting teams, ensuring complete resolution before finalizing loan closures.
- Provided weekly reporting to upper management and internal/external customers as needed.
Foreclosure Specialist
Bank of America
Tampa
11.2011 - 02.2013
- Developed and implemented a 'Foreclosure Complaint Process,' enabling the bank to solicit, review and resolve complaints, with an independent auditor reviewing and validating of BAC's complaint resolution process.
- Coordinated with property preservation teams to secure assets after foreclosure sales were completed successfully.
- Maintained and updated all portfolios by state given by foreclosure management.
- Collaborated with legal teams to ensure compliance with state and federal regulations during foreclosure proceedings.
- Administered property foreclosures, encompassing proper and timely assignation of cases to realtors.
Suspense Coordinator
Bank of America
Tampa
- Monitored pipeline of suspended Loans to ensure 24 hours follow up is completed to expedite clearance of suspense conditions and loan purchaser.
Jr-Suspense Coordinator
Bank of America
Tampa
- Progressively tracked the progress of these loans to ensure timely completion of conditions to satisfy loan requirements.
Education
Bachelor of Science (B.S.) - Accounting and Finance
Saint Leo University
Saint Leo, FL06.2028
Skills
- Detail-oriented
- Computer literacy
- SharePoint
- Procedure implementation
- Loan estimate (LE) and Closing Disclosure review
- CFPB, TILA, RESPA, HMDA regulations
- Interpersonal skills
- Data analysis
- Microsoft Word
- Excel
- Data interpretation
- Regulatory compliance
- Credit evaluation
- Loan application management
Certification
Licensed Loan Officer, NMLS # 2673838
Accomplishments
Recognized for outstanding teamwork and department contribution that resulted in multiple Global Recognition awards.
Volunteer Experience
- Fill A Heart with Hope
- Metropolitan Ministries
- Feeding America
- Habitat for Humanity
- Go Red for Women
Timeline
Licensed Mortgage Loan Officer
Innovative Mortgage Services
07.2025 - Current
Licensed Mortgage Loan Officer
Barrett Financial Group
02.2025 - 06.2025
Officer- Loan Servicing Operations Senior Representative
Bank of America
01.2015 - 10.2024
Collateral Research
Bank of America
06.2014 - 12.2014
Post Closing Specialist II
Bank of America
02.2013 - 06.2014
Foreclosure Specialist
Bank of America
11.2011 - 02.2013
Suspense Coordinator
Bank of America
Jr-Suspense Coordinator
Bank of America
Bachelor of Science (B.S.) - Accounting and Finance
Saint Leo University