Meagan Donley
Plant City,FL
Summary
Attention to detail mortgage loan processor and closer. Used to working in a fast paced, every changing industry.
Overview
11
11
years of professional experience
Work History
Mortgage Loan Processor
Florida Mortgage Firm
03.2022 - 05.2023
- Handled any conditions sent from underwriting departments.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Communicated with originator and applicant concerning progress of loan file.
- Coordinated closing process with attorneys and title companies.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Prepared file for final clear-to-close.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Educated customers on loan services and regulations to confirm compliance.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Managed loan pipeline of 17+ plus
- Inform borrowers of required loan documents from underwriting
- Read and understand all lending program guidelines
- Update loan application and underwriters’ office with correct loan information in event of change
- Process changes of circumstances to comply with TRID
- Effectively explain cash to close to borrowers
- Review purchase agreements and all addendums
- Communicate daily with all parties involved in transaction with next steps
- Create reports of loan statuses to send to respective parties
Mortgage Closer
Florida Mortgage Firm
02.2016 - 05.2023
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Verified closing disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues.
- Built constructive relationships with customers to understand and capitalize on personalized preferences.
- Consulted with clients to recognize needs and provide tailored solutions.
- Only loan closer for 5 years closing all loans for company by myself with high volume and accuracy
- Track and coordinate wires from lender and borrower
- Prepare loan package for title company for consummation of mortgage
- Coordinate closing time and location with borrower and Real Estate Agent
- Ensured waiting period is met before scheduling closing date
- Explained documents borrowers sign in their closing package
- Communicate with title to balance final figures
- Deliver final figures to borrowers with explanation
- Follow up with title companies on payments for services provided
- Assist customers with setting up loan servicing
- Review and prepare invoices for services rendered
HOME SERVICE SPECIALIST II
Bank Of America
01.2012 - 05.2015
- Review HELOC application for credit worthiness
- Contact customers daily to provide them a status of their application
- Request and review required documents to complete loan process for submittal to Underwriting
- Manage risk
- Maintains an average pipeline of 25 applications
- Meets production requirements; DPO, Call Quality, and Service Standards
- Perform duties of Team HSS in their absence
Education
High School Diploma -
Plant City High School
Plant City, FL08.2006
Skills
- Lending Software Systems
- Closing Documentation
- Microsoft Office
- Processing Procedures
- Government Lending
- Application Preparation
- Loan Paperwork
- Support Closings
- Closing Costs Calculation
- Critical Thinking
- Desktop Underwriter
- Calyx Point
- Lending Pad
- Compile Documents
- Mortgage Closing Scheduling
- Regulatory Compliance Documentation
- Funds Disbursement Application
- Principal, Interest and Payment Calculation
- Bank Secrecy Act
Accomplishments
2020 Most Valuable Process- United Wholesale Mortgage
Timeline
Mortgage Loan Processor
Florida Mortgage Firm
03.2022 - 05.2023
Mortgage Closer
Florida Mortgage Firm
02.2016 - 05.2023
HOME SERVICE SPECIALIST II
Bank Of America
01.2012 - 05.2015
High School Diploma -
Plant City High School