Michelle Robinson-Elliott
Woodbridge,VA
Summary
Seasoned Post-Closing Manager with a proven track record at City Lending Inc., adept in leveraging Microsoft Office and demonstrating exceptional teamwork orientation. Spearheaded process improvements, significantly enhancing operational efficiency. Renowned for meticulous quality control measures and a continuous improvement mindset, ensuring compliance and excellence in loan servicing.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Post Closer: Hard Money Lender
Washington Capital Partners
McLean, VA
08.2022 - 11.2023
- Post-closing job is to get the loans to the conduits in a timely manner, get the collateral out same day loan is approved for purchase
- Any conditions are completed within a 48-hour turnaround.
- Put closed loan files in stacking order.
- Audit files for accuracy.
- Send out collateral once the Conduit commits to purchase.
- Clear any conditions within 48 hours.
- Submit loans to Conduits.
- Prepare Allonges and Assignments.
- Notarize Assignments and Certifications of Satisfaction.
- Conducted thorough post-closure audits to identify and rectify any discrepancies.
- Reviewed and verified loan documents for accuracy and completeness post-closing.
- Verified title insurance policies were issued in accordance with loan requirements.
- Coordinated with title companies, lenders, and attorneys to resolve any post-closing issues.
- Ensured compliance with federal and state regulations throughout the post-closing process.
- Scanned and uploaded loan and related documents into system.
- Responded promptly to inquiries from internal departments concerning post-closing matters.
Post-Closing Manager
City Lending Inc.
Vienna, VA
08.2019 - 06.2022
- Oversees the daily functions of the Post Closing Department, monitoring workflow, and ensuring that deadlines are met using various reports and communications with staff.
- Defines and solves department issues, and continually reviews department processes and procedures to improve department efficiency and contain costs.
- Takes a creative, proactive approach in identifying loan and final document delivery methods.
- Responds to emails and voicemails from internal and external contacts in a timely manner.
- Provides guidance and coaching to a team of five staff members, comprising five departments: Post Closing, Collateral, Insuring, Shipping, and Trailing Docs.
- Conducting weekly team-building meetings.
- Ensuring loans are delivered to investors in a timely manner.
- Creating and maintaining department procedural manuals.
- Weekly meetings with other department managers, providing necessary feedback.
- Prioritize and monitor daily staff functions.
- Working closely with the various warehouse banks.
- Interact with Accounting and Quality Control areas, providing timely responses to internal audits and reconciliations.
- Establish and monitor individual and department goals regarding the percentage of suspenses, the number of days to clear suspenses, and the monetary penalties incurred.
- Keep up to date on all investor guidelines and processes, and develop personal relationships with existing investors.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
- Monitored daily operations within the department to ensure compliance with regulations.
- Led team meetings and one-on-one coaching sessions to continuously advance performance.
- Maximized team morale and minimized turnover by recognizing performance and reinforcing positive choices.
AVP, Loan Acquisition Manager
First Guaranty Mortgage Corporation
Mclean, VA
06.2005 - 03.2019
- Manage a team of 14 staff members, comprising 5 departments.
- MERS, Loan Funding, FNMA Loan Delivery, Correspondent Collateral, Correspondent Purchasing.
- Liaison between correspondent clients and the purchasing team, ensuring loans are purchased in a timely manner.
- Provided leadership, direction, guidance, and support to team members on a daily basis.
- Led weekly status meetings with project teams in order to track progress against milestones.
- Delegated work to staff, setting priorities and goals.
- Prepare daily, weekly, and monthly reports for senior management.
- Implemented process improvements that resulted in improved operational efficiencies.
- Analyze pipeline reports from multiple warehouse banks.
- Register and transfer loans in the MER’s system.
- Delegate projects, managing the receipt, review, and submission of collateral to multiple.
Post Closing
Metro Recruiting Inc, Temporary Agency
College Park, MD
01.2004 - 01.2005
- Put closed loans files in stacking order
- Audit files for accuracy
- Track down documents that are missing
- Get files ready for servicing
Processing Division Manager
Housing Made Simple
Fairfax, VA
01.2003 - 01.2004
- Responsible for processing feasibility studies into work write-ups for 203k rehabilitation loans.
- Work with inspectors on scheduling inspections.
- Scheduled Home Inspections.
- Assisted the in-house loan officer with processing mortgage applications.
- Resolved customer complaints regarding inspectors and service.
Final Docs Specialist
1st American Mortgage, Inc
Vienna, VA
01.2002 - 01.2003
- Responsible for obtaining final recorded documents from the title company, including the deed of trust, title policies, and assignments. Send them to various investors weekly.
- Input recorded information into the system.
- Participated in ongoing training and compliance activities.
- Maintained positive working relationship with fellow staff and management.
- Prepare weekly and monthly status reports for the manager.
- Reviewed documents for accuracy prior to submission or publication.
Closer
North American Mortgage Co.
Annandale, VA
01.1998 - 01.2002
- Responsible for closing FHA, VA, and Conventional loans.
- Review title policies, settlement statements, and hazard insurance binders, checking for accuracy.
- Input closing information into the system.
- Review the closing documents returned from the closing agents before giving them to the Post-Closing Department.
- Prepared and delivered loan documents to title and escrow teams.
- Reviewed title commitments to ensure clear titles were obtained prior to closing.
Education
Bachelor of Science - Organizational Leadership
Southern New Hampshire University
Hooksett, NH10-2027
Skills
- Microsoft Office
- Loan Sets
- Point
- Lending Space
- DataTrac
- VIRPAK
- FHA/VA Insuring
- Post-closing compliance
- Teamwork orientation
- Quality control measures
- Deadline adherence
- Continuous improvement mindset
- Encompass 360
- MERs
- Dynamics 365
- Post-closing reporting
- Customer service and assistance
Certification
Licensed Notary for Virginia
References
Available upon request
Timeline
Post Closer: Hard Money Lender
Washington Capital Partners
08.2022 - 11.2023
Post-Closing Manager
City Lending Inc.
08.2019 - 06.2022
AVP, Loan Acquisition Manager
First Guaranty Mortgage Corporation
06.2005 - 03.2019
Post Closing
Metro Recruiting Inc, Temporary Agency
01.2004 - 01.2005
Processing Division Manager
Housing Made Simple
01.2003 - 01.2004
Final Docs Specialist
1st American Mortgage, Inc
01.2002 - 01.2003
Closer
North American Mortgage Co.
01.1998 - 01.2002
Licensed Notary for Virginia
Bachelor of Science - Organizational Leadership
Southern New Hampshire University
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