Michael V. Linney
Coeur D'Alene,ID
Summary
Organized and dedicated Real Estate Professional with proven track record of providing exceptional customer service in fast-paced environments. Offering keen attention to detail and strong decision-making skills to manage multiple, concurrent tasks. Self-motivated work ethic to perform effectively in independent or team environments. Ready to leverage training and experience to take on new professional challenges.
Overview
11
11
years of professional experience
Work History
Real Estate Clerk
Mountain West Bank
10.2022 - Current
- Order third party services on mortgage loans, including but not limited to; Cert of Eligibility on VA loans, Condo documents, Tax transcripts, Title Commitments, VOE/VOI, Case numbers on FHA loans, CAIVRS, and Homeowners Insurance policies.
- Receive documentation from orders placed, review for accuracy, and upload into loan files.
- Communicate with all team members on issues and progress.
- Create relationships with third parties to assist in providing outstanding customer service.
Real Estate Closing Coordinator
Mountain West Bank
01.2020 - 10.2022
- Managed closing calendar
- Assigned files to closers
- Completed verbal verifications of employment - with accuracy and personal attention.
- Worked with third parties vendors to further enhance the progress and successful resolution.
Real Estate Review Specialist
Mountain West Bank
01.2019 - 01.2020
- Performs loan quality reviews to ensure compliance with policy, procedure, and regulation.
- Issued and insured accuracy on initial disclosures within RESPA timeline
- Established positive flow of communication with Mortgage Loan Originators
Real Estate Closer
West Coast Mortgage Group
11.2017 - 09.2018
- Maintains a professional, courteous, service oriented relationship with all parties involved in the loan process. Acts as liaison between the company, the title/escrow company, and the originator to ensure timely closing of the loan, accurate completion of all loan documents, and coordination of the closing process.
- Schedules and prepares loans for closing once the Underwriter has approved the loan and conditions are cleared. Ensure closing documents and instructions are accurate by:
- Reviewing fees and final figures from title/escrow, calculating cash to close, and validating loan data.
- Entering required data into Loan Origination System (LOS).
- Sends closing document package to title/escrow and borrower. Receives in signed closing docs from title/escrow and requests funding of the loan.
- Accountable for follow up for any missing or incomplete loan documentation in all files processed and/or closed.
Real Estate Closer
PennyMac Mortgage Company
06.2014 - 02.2017
- Maintains a professional, courteous, service oriented relationship with all parties involved in the loan process. Acts as liaison between the company, the title/escrow company, and the originator to ensure timely closing of the loan, accurate completion of all loan documents, and coordination of the closing process.
- Schedules and prepares loans for closing once the Underwriter has approved the loan and conditions are cleared. Ensure closing documents and instructions are accurate by:
- Reviewing fees and final figures from title/escrow, calculating cash to close, and validating loan data.
- Entering required data into Loan Origination System (LOS).
- Sends closing document package to title/escrow and borrower (if eClosing). Receives in signed closing docs from title/escrow and requests funding of the loan.
- Accountable for follow up for any missing or incomplete loan documentation in all files processed and/or closed.
Real Estate Closer/Funder/Post Closing Coordinator
Safe Credit Union
04.2012 - 03.2013
- Audited settlement statements, reviewed funding packages, prepared, wired and disbursed funds, and kept loan in full regulatory compliance
- Performed efficiently and accurately in a very fast-paced environment
- Meeting strict time frames, deadlines
- And constant moving priorities with time sensitive loans
- Ensured all outstanding underwriting and closing conditions were fully compliant prior to funding
- Communicated with title agents, brokers, and account executives resolving any problems
- Audited and ensured files were fully compliant to company, investor and federal regulations files prior to shipping through UPS.
Education
High School Diploma -
University of Texas At Austin
Austin, TXSkills
- Ability to multi-task and handle complex tasks efficiently Strong organizational skills
- Proven attention to detail
- Understands and complies with all company policies and procedures and all applicable laws and regulations
- Reliable and Dependable
- Strong ability to create professional relationships with internal and external customers
- Team player
Timeline
Real Estate Clerk
Mountain West Bank
10.2022 - Current
Real Estate Closing Coordinator
Mountain West Bank
01.2020 - 10.2022
Real Estate Review Specialist
Mountain West Bank
01.2019 - 01.2020
Real Estate Closer
West Coast Mortgage Group
11.2017 - 09.2018
Real Estate Closer
PennyMac Mortgage Company
06.2014 - 02.2017
Real Estate Closer/Funder/Post Closing Coordinator
Safe Credit Union
04.2012 - 03.2013
High School Diploma -
University of Texas At Austin
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