Marisela Troya
Ridgefield,NJ
Summary
Versatile and detail-oriented Closing Analyst with 20+ years of experience in mortgage operations, loan processing, and closing. Expertise in Conventional, FHA, VA, USDA, Jumbo, and construction lending, with strong command of TRID, ECOA, FCRA, and investor compliance. Proven ability to manage high-volume closing pipelines, perform comprehensive title and document reviews, coordinate funding and disbursements, and resolve complex loan issues. Recognized for accuracy, regulatory compliance, and exceptional communication with borrowers, attorneys, title companies, and internal teams.
Overview
23
23
years of professional experience
Work History
Loan Closer Team Lead & Paralegal
Assets Based Lending
09.2023 - Current
- Manage a 70-loan monthly closing pipeline, averaging 570 closings annually.
- Review loan agreements, financials, appraisals, and legal documents for accuracy and compliance.
- Conduct full title review, identifying liens, ownership issues, and encumbrances; coordinate resolutions with title companies.
- Support attorneys in residential and commercial transactions, maintaining organized case files and tracking deadlines.
- Coordinate closings with borrowers, attorneys, title companies, and internal teams to ensure timely execution.
- Prepare and verify funding instructions, coordinate wire transfers, and oversee accurate disbursement of loan proceeds.
- Ensure all executed documents meet investor, legal, and internal policy requirements prior to funding.
- Provide ongoing support to borrowers and stakeholders throughout the closing process.
Senior Loan Processor
CrossCountry Mortgage
03.2022 - 03.2023
- Processed complex loan scenarios including first-time buyers, self-employed borrowers, and credit-challenged applicants.
- Qualified borrowers for Conventional, Non-Conforming, and FHA loan products.
- Managed a pipeline of 180 loans annually, totaling $48M.
- Ordered and reviewed appraisals, title, surveys, and third-party verifications.
- Cleared title issues, balanced pre-CD, and approved final Closing Disclosures.
- Coordinated closings with title companies and attorneys to ensure accuracy and compliance.
Home Loan Advisor Associate / Production Manager
Chase Home Mortgage
02.2020 - 03.2022
- Ensured compliance with federal, state, and local regulations for affordable housing and construction lending.
- Collaborated with government agencies, community groups, and housing advocates to support housing initiatives.
- Reviewed and resolved issues within loan applications to ensure timely processing.
- Managed a high-volume pipeline of 450+ loans annually, totaling $91M.
- Initiated pre-qualification calls and reviewed borrower data with loan officers.
Loan Processor
CrossCountry Mortgage
10.2017 - 09.2019
- Processed FHA, Conventional, USDA, and VA loans in compliance with investor and regulatory standards.
- Managed a pipeline of 360 loans annually, totaling $71M.
- Served as primary contact for borrowers and loan officers, providing updates and resolving issues.
- Collaborated with underwriters to clear conditions and ensure timely approvals.
- Conducted quality checks to reduce errors and mitigate risk.
- Coordinated closings and document execution with title companies and attorneys.
Home Mortgage Associate
Wells Fargo Home Mortgage
11.2012 - 10.2017
- Prepared loan agreements, disclosures, and closing packages in compliance with TRID, ECOA, and FCRA.
- Conducted quality reviews to ensure accuracy and data integrity.
- Delivered high-level customer service to borrowers throughout the loan process.
- Identified workflow improvements to enhance processing efficiency.
Education
BBA -
Universidad De Puerto Rico
Ponce, Puerto RicoSkills
- Closing Operations
- Loan Documentation Review
- TRID & Regulatory Compliance
- Title Review & Issue Resolution
- Funding & Disbursement Coordination
- Pipeline Management
- Stakeholder Communication
- Risk Mitigation
- Encompass
- DOCs
- MS Office
Certification
Project Management Professional (PMP)
Timeline
Loan Closer Team Lead & Paralegal
Assets Based Lending
09.2023 - Current
Senior Loan Processor
CrossCountry Mortgage
03.2022 - 03.2023
Home Loan Advisor Associate / Production Manager
Chase Home Mortgage
02.2020 - 03.2022
Loan Processor
CrossCountry Mortgage
10.2017 - 09.2019
Home Mortgage Associate
Wells Fargo Home Mortgage
11.2012 - 10.2017
BBA -
Universidad De Puerto Rico