Summary
Overview
Work History
Education
Skills
Custom
Timeline
Generic

Mary Janice Shepherd

Clarksville,TN

Summary

Seasoned Senior Escrow Officer with robust experience in managing escrow processes for residential and commercial transactions. Possess strong skills in documentation preparation, fund disbursement, and overseeing all aspects of closing procedures. Known for problem-solving abilities and customer service focus which greatly contribute to smooth, successful closings. Successfully improved operational efficiency in previous roles. Highly professional professional with many years of experience coordinating, finalizing, and simplifying real estate transactions. Proven client advocate with track record of creating accurate and positive experiences and sparing customers burdensome concern with industry details. Tech-savvy notary public with widely recognized expertise at closing transactions and training other staff members. Efficient and personable Escrow Officer with many years of experience making complex real estate transactions seamless for buyers, sellers, and colleagues. Customer-focused and disciplined detail person with exceptional proficiency at coordinating multiple transactions simultaneously and accurately. Team player with history of smooth closings and repeat customers. Successful at putting together closing paperwork, evaluating information and documenting actions. Knowledgeable about researching and resolving problems. Completes high-quality work in fast-paced settings.

Overview

5
5
years of professional experience

Work History

Senior Escrow Officer

Apex Title & Closings Services
Clarksville, TN
03.2021 - 02.2025
  • Reviewed and verified documents to ensure compliance with laws, regulations, and contractual provisions.
  • Served as an intermediary between buyers, sellers and lenders during real estate closings.*
  • Collaborated with internal banking and accounting teams to maintain escrow accounts and records and approved funds disbursements.
  • Implemented risk management practices to minimize escrow losses and protect client funds.
  • Assisted in the development and implementation of escrow policies and procedures to improve operational efficiency.
  • Guided training team to build training material and job aids to replicate property transaction knowledge and standardize processes.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Identified valuable solutions for customers with credit problems.
  • Evaluated and approved loan applications based on established criteria.
  • Verified client financial information to determine creditworthiness and loan eligibility.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Developed loan contracts and explained contract terms to clients.
  • Informed customers of loan application requirements and deadlines.
  • Updated client account information and records in company databases.
  • Located and suggested loan packages that met client needs and priorities.
  • Collaborated with company teams to expedite loan approval processes.
  • Prepared reports for customers with delinquent and irreconcilable accounts.
  • Set up debt payment plans based on client credit, income and assets.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Approved or denied loan applications and explained reasoning behind decisions.
  • Developed and recommended personal or commercial loan packages for clients.

Concord Title

Concord Title and Escrow
Clarksvil, TN
10.2023 - 08.2024
  • Operated equipment and machinery according to safety guidelines.
  • Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.
  • Completed routine maintenance and repair.
  • Managed household errands and other essential duties.
  • Conducted testing of software and systems to ensure quality and reliability.
  • Operated a variety of machinery and tools safely and efficiently.

Closing Processor

Realty Title & Closing Services
Clarksville, TN
03.2020 - 10.2023
  • Checked applicant credit, personal references and employment histories.
  • Scanned and uploaded loan and related documents into system.
  • Prepared and typed loan applications, closing documents or legal documents using computers.
  • Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Filed and maintained loan records.
  • Accepted payment on accounts.
  • Answered questions and advised customers regarding loans and transactions.
  • Assembled and compiled title abstracts, insurance forms, loan documents, and tax receipts.#
  • Assembled and compiled title abstracts, insurance forms, loan documents, and tax receipts.
  • Established credit limits and grant extensions of credit on overdue accounts.
  • Presented loan and repayment schedules to customers.
  • Checked value of customer collateral to hold as loan security.
  • Recorded applications for loan and credit, loan information and disbursements of funds.
  • Reviewed and corrected errors on interest, principal and closing costs.
  • Assembled and compiled documents for loan closings.
  • Reviewed customer accounts to determine on-time payments and loan terms compliance.
  • Interviewed loan applicants to obtain personal and financial data and assist in completing applications.

Education

Business Administration

Clarksville High School
Clarksville, TN
06-1966

Skills

  • Risk management and financial analysis
  • Real estate law and tax calculation
  • Team building and NMLS registration
  • Loan approval and payment scheduling
  • Financial history assessment

Custom

  • I have done a lot of volunteer work with the board of realtors for Thanksgiving and Christmas seeing that our citizens of Clarksville have the opportunity to eat a well balanced meal

Timeline

Concord Title

Concord Title and Escrow
10.2023 - 08.2024

Senior Escrow Officer

Apex Title & Closings Services
03.2021 - 02.2025

Closing Processor

Realty Title & Closing Services
03.2020 - 10.2023

Business Administration

Clarksville High School