Summary
Overview
Work History
Education
Skills
Personal Information
Timeline
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Mindy Shedrock

Martinez,CA

Summary

Hardworking Customer Service Professional with energetic personality and dynamic skills in the Lending and Escrow field. Seeking new opportunity with great a company where attention to detail will be valued. Articulate Loan Closer driven to succeed. Strategic planning and client relationship management expert. Successful at putting together closing paperwork, evaluating information and documenting actions. Knowledgeable about researching and resolving problems. Able to complete high-quality work in fast-paced settings. Professional references available upon request.

Overview

19
19
years of professional experience

Work History

Mortgage Loan Closer

The Loan Store
Tucson, AZ
02.2024 - Current
  • Reviewed loan documents and ensured accuracy of information provided by customer.
  • Prepared closing statements, secured signatures on documents, and reviewed all loan conditions with customers.
  • Verified that all required documentation was received prior to closing date.
  • Conducted pre-closing audits for compliance with applicable regulations.
  • Resolved discrepancies between loan documents and credit reports.
  • Calculated mortgage payments, interest rates, taxes, insurance amounts.
  • Ensured timely submission of completed loan packages to underwriting department.
  • Coordinated with title companies to ensure timely delivery of documents to settlement agents.
  • Reviewed final closing disclosure statement for accuracy prior to closing day.
  • Assisted borrowers in understanding the terms and conditions of their loans.
  • Maintained up-to-date knowledge of industry regulations and procedures.
  • Organized files according to company standards and maintained electronic records.
  • Adhered to established policies and procedures when preparing closing documents.
  • Monitored loans post-closing for compliance with investor guidelines or requirements.
  • Scheduled closing meeting after gathering and preparing loan package documentation.
  • Verified accuracy of information on mortgage documents.
  • Delivered high level of service to every loan stakeholder through effective communication and explanation of documentation.
  • Monitored loan progress, ensuring timely processing and closing.

Closer

Kind Lending
Santa Ana, CA
6/1/23 - 02.2024
  • Reviewed loan documents for accuracy and completeness.
  • Compiled loan closing packages according to lender's instructions.
  • Collaborated with lenders, attorneys, real estate agents, and title companies to ensure successful closing of loans.
  • Prepared Closing Disclosure statements and other required documents in accordance with federal regulations.
  • Verified borrower information including credit reports, employment history, asset verification and debt-to-income ratio.
  • Established escrow accounts for taxes and insurance payments as needed.
  • Coordinated the timely funding of loans by communicating with underwriting departments at various lending institutions.
  • Provided customer service to borrowers throughout the entire loan process.
  • Monitored post-closing activities such as recording fees, finalizing titles, releasing funds from escrow accounts.
  • Maintained accurate records pertaining to each loan file in compliance with company policies and procedures.
  • Ensured that all documentation is properly signed off by parties involved prior to closing.
  • Resolved any discrepancies found during the closing process in a timely manner.
  • Communicated effectively with clients via phone and email throughout the entire loan process.
  • Attended weekly meetings with staff members to discuss current loan transactions.
  • Reviewed title commitment and insurance policies to support pre-closing documentation.
  • Delivered excellent customer service by identifying needs and recommending custom solutions.
  • Handled pipeline of active deals in closing stage.
  • Scheduled loans with attorneys to close within expiration dates.
  • Responded to customer inquiries and researched answers to questions.

Branch Manager/Escrow Officer

First American Title Insurance Co
Roseville, CA
05.2022 - 6/1/23
  • Managed and resolved concerns, problems or issues to avoid closing delays.
  • Reviewed title commitment and insurance policies to support pre-closing documentation.
  • Delivered excellent customer service by identifying needs and recommending custom solutions.
  • Handled pipeline of active deals in closing stage.
  • Partnered with advisors and other parties to collect information to satisfy closing conditions.
  • Read and interpreted loan and legal documentation.
  • Reviewed loan applications and supporting documentation for completeness and compliance.
  • Scheduled loans with attorneys to close within expiration dates.
  • Completed final closeout of systems after loan funding.
  • Responded to customer inquiries and researched answers to questions.
  • Worked with legal counsel, lender and title company to receive loan approval.
  • Prepared and audited loan file documents for long-term file maintenance.
  • Tracked and reconciled trailing documentation to prepare files for shipping.
  • Capitalized on sales opportunities with new leads and referrals using strong negotiation skills.
  • Documented waivers, exceptions or deviations from policy.
  • Communicated with potential customers to assess business goals and build rapport.

Director Closing Manager

Homepoint Financial
Ann Arbor, MI
05.2019 - 5/1/22
  • Maintained consistent daily operations by establishing procedures and monitoring team performance.
  • Guided team to consistently achieve daily, weekly and monthly production goals.
  • Collaborated with other managers to deliver consistent leadership across teams.
  • Maximized team morale and minimized turnover by recognizing performance and reinforcing positive choices.
  • Formed and sustained strategic relationships with clients.
  • Participated in organizational transformation and implementation activities to monitor corporate restructures.

Loan Closer

Platinum Home Mortgage
Stockton, CA
07.2018 - 05.2019
  • Closing disclosure analysist.
  • Customer care.
  • Post Closing.
  • Document Drawer.
  • Balance Files.
  • Product Development.
  • Time Management Solutions.
  • Prepared closing documents with care to eliminate errors or delays in the process.
  • Consulted with title department to resolve problems such as tax liens, boundary disputes and encroachments.

Loan Closer

Stearns
Walnut Creek, CA
11.2015 - 07.2018
  • Communicated with customers, lending personnel and title companies to coordinate closing activities.
  • Delivered excellent customer service by identifying needs and recommending custom solutions.
  • Responded to customer inquiries and researched answers to questions.
  • Examined and verified information in loan application and closing documents.
  • Organized, filed and maintained customer, department and regulatory loan records.
  • Submitted completed loan applications, including recommendations for underwriting approval or denial.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Prepared and delivered loan documents to title and escrow teams.
  • Carried out pre-funding and funding functions for more than 300 cases per month.

Office Administrator

Vivint Solar
Concord, CA
05.2014 - 11.2015
  • Develop office administration budget, ensure compliance, assisted.

Administrative Assistant

Martinez School District
Martinez, CA
01.2013 - 05.2014
  • Performs administrative and office support activities.
  • Duties include fielding telephone calls, receiving and directing visitors, word processing, creating spreadsheets and filing and faxing.

Escrow Officer

First American Title
Renton, WA
02.2006 - 08.2011
  • Oversaw complete real estate closing process and adhered to all related process guidelines, company standards and title requirements.
  • Prepared closing documents with care to eliminate errors or delays in the process.
  • Worked with customers, realty professionals and lender representatives to complete a smooth and efficient process.
  • Reviewed documents for accuracy and verified funds.
  • Consulted with title department to resolve problems such as tax liens, boundary disputes and encroachments.
  • Created realtor and buyer incentives and strategies with agents, builders and buyers.
  • Organized charity and public events to bring awareness to the neighborhood, generating lead flow.
  • Counseled customers on market current status for residential and land markets.
  • Verified that the legal formalities were completed prior to closing dates.
  • Educated clients on current real estate market and answered any questions.
  • Developed close relationships with area realtors and promoted builders to boost referral network.
  • Communicated with owners regarding home and loan status.

Education

Bachelor of Arts - Legal

JFK University
Pleasant Hill, CA

Skills

  • Loan closing
  • Closing Disclosures
  • 4506 Execution
  • Title search
  • Compliance regulations
  • Loan terms
  • Excel
  • Required Closing Document management
  • Mortgage lending
  • Loan documentation
  • Lender Quality Initiatives
  • Supervision and training
  • Employee development
  • Performance improvements
  • Customer retention

Personal Information

Administration of Criminal Justice , Next Step , After reading my resume and learning more about my qualifications and personal goals, I'd like to thank you for your time and consideration of my application, call me at your earliest convenience to schedule a time to meet in person and discuss your opportunities further. My telephone number is 206.437.2239. Notary Public Personal Information Certifications

Timeline

Mortgage Loan Closer

The Loan Store
02.2024 - Current

Branch Manager/Escrow Officer

First American Title Insurance Co
05.2022 - 6/1/23

Director Closing Manager

Homepoint Financial
05.2019 - 5/1/22

Loan Closer

Platinum Home Mortgage
07.2018 - 05.2019

Loan Closer

Stearns
11.2015 - 07.2018

Office Administrator

Vivint Solar
05.2014 - 11.2015

Administrative Assistant

Martinez School District
01.2013 - 05.2014

Escrow Officer

First American Title
02.2006 - 08.2011

Closer

Kind Lending
6/1/23 - 02.2024

Bachelor of Arts - Legal

JFK University

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Mindy Shedrock