Open To Work
Hi, I’m
Michelle Valenzuela
Mortgage Closer/Funder
Castaic,CA
Work Preference
Summary
Detail-oriented and methodical Closer successful in assembling closing documentation for Conventional, HFA, VA, USDA & Non-QM loans. Work quickly and accurately to meet strict standards, clear issues and prepare document packages. Handle industry-funded and government-backed loans with skill and efficiency.
Organized and dependable who is successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Talented Closer / Funder with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
17
years of professional experience
Work History
OceanAir Federal Credit Union
Senior Loan Closer Funder
10.2024 - Current
Job overview
- Led loan closing process, ensuring compliance with regulations and accuracy of documentation.
- Streamlined funding procedures, reducing turnaround time for loan disbursements.
- Mentored junior team members on closing protocols and industry best practices.
- Reviewed and analyzed complex loan files to verify completeness and adherence to guidelines.
- Collaborated with underwriters and real estate professionals to resolve discrepancies efficiently.
- Implemented quality control measures that enhanced the accuracy of loan documentation.
- Developed training materials for staff, improving onboarding processes and knowledge retention.
- Adhered strictly to both internal policies as well as federal and state regulations, mitigating potential legal risks.
- Reduced errors in loan documentation by conducting thorough pre-closing reviews, minimizing potential delays or complications.
- Ensured accuracy of final settlement statements by diligently reviewing and reconciling figures before disbursement of funds.
PennyMac Loan Services
Home Loan Specialist II
03.2023 - 03.2024
Job overview
- Handle any escalated files that have issues from Initial CD all the way through Funding
- Have taken on a leadership role on the team in order to assist with any inquires teammates have before going to management.
- Help answer phones and respond to inquiries from Brokers, vendors, and borrowers
- Help train new employees with software and loan products
- Audit all Initial Closing Disclosures for accuracy per the Federal, State and TRID regulations
- Help with updating policy and procedures
- Improved Audit Reviews by 25% in the span of 2 months
LoanDepot
Senior Loan Closer/Funder
07.2020 - 08.2022
Job overview
- Utilize subject matter expertise to ensure that organization is adhering to current internal policies and State/Federal mortgage regulations
- Review mortgage loan documents for accuracy and prepare mortgage closing packages to ensure that mortgage process is running efficiently and follows regulatory guidelines
- Serving as a liaison for all loan closings and providing top notch customer service with extreme attention to detail
- Request wires from warehouse banks and coordinate disbursements from title/escrow
- Train employees in customer service skills, loan products and software
Greenbox Loans
Loan Closer/Funder
11.2019 - 03.2020
Job overview
- Fund Conventional, FHA, VA and Non-QM loans
- Work collaboratively with internal counterparts and third parties to efficiently fund compliant sellable loans
- Review signed loan documents for accuracy, and compliance
- Complete a pre-funding reviews on each loan file ensuring that all conditions are met
- Request wires from warehouse banks and coordinate disbursements from title/escrow
HMS Capital
Closer/Funder
08.2019 - 11.2019
Job overview
- Prepares loan packages and coordinates the details of the final closing.
- Ensures all documents are properly recorded and delivered.
- Assists with post-closing and post-funding tasks.
- Prepares wire breakdowns and wire requests to send to Title company.
- Maintains a working knowledge of the lending process, and the ability to work under strict deadlines.
Simply Mortgage
Mortgage Funder
01.2019 - 07.2019
Job overview
- Review final signed closing package for accuracy prior to wire request and authorization
- Act as a liaison between the clients, underwriters, and organizational staff to ensure effective communication throughout multiple departments
- Ensuring all paperwork is completed, signed and filed correctly in accordance with established policies & procedures
- Analyzing all loan documentation to ensure all HUD statements are correct and ready for approval including but not limited to title commitments, purchase contracts, tax certifications, insurance documentation, assets and payoffs
- Assembling wire request packages for management approval, ensuring all documentation is correct and all required conditions are satisfied prior to the loan closing and preparing checks for funding
Wintrust Mortgage
Mortgage Closer/Funder
04.2017 - 06.2018
Job overview
- Thoroughly reviewed and verified all loan documents to ensure accuracy and compliance with applicable regulations
- Experienced in coordinating with title companies and lenders to ensure timely and accurate closing
- Excellent communication and interpersonal skills with the ability to work with all levels of personnel
- Trained to become a Subject Matter Expert in Blind Trusts, Jumbo Loans and main closer/funder for high profile clientele
Caliber Home Loans
Mortgage Closer/Funder
05.2015 - 12.2016
Job overview
- Managed a pipeline of 200+ loans a month
- Worked bi-coastal on two teams, 8 hours per each team a day in order to maintain business continuity while new teams were being put together
- Prepared the Closing Disclosure (CD) and insuring it meets the Underwriting guidelines.
- Communicated and resolved issues with Closing Agents while the borrowers are at closing.
- Responsible for completing a pre-funding audit on each file prior to disbursement.
Skills
- Documentation Review
- Relationship Management
- Attention to Detail
- Multitasking Abilities
- Regulatory Compliance
- Organizational Skills
- Customer Service
- Conflict Resolution
Document verification
Policy adherence
Funding management
Languages
Spanish
Native or Bilingual
Timeline
Senior Loan Closer Funder
OceanAir Federal Credit Union
10.2024 - Current
Home Loan Specialist II
PennyMac Loan Services
03.2023 - 03.2024
Senior Loan Closer/Funder
LoanDepot
07.2020 - 08.2022
Loan Closer/Funder
Greenbox Loans
11.2019 - 03.2020
Closer/Funder
HMS Capital
08.2019 - 11.2019
Mortgage Funder
Simply Mortgage
01.2019 - 07.2019
Mortgage Closer/Funder
Wintrust Mortgage
04.2017 - 06.2018
Mortgage Closer/Funder
Caliber Home Loans
05.2015 - 12.2016