Natalie Alston
Sunrise,FL
Summary
Seeking an effective challenging position where knowledge and experience can be best capitalized
A professional with a successful career in the Mortgage and other professional Industries. Proactive approach has resulted in setting priorities and work in highly pressured situations requiring productive judgment, versatility, and resolutions. Possess excellent interpersonal and organizational skills.
Experienced with managing complex loan closings and ensuring all documentation is accurate and compliant. Utilizes exceptional attention to detail to streamline processes. Track record of effective communication with clients and team members to facilitate smooth closings.
Overview
15
15
years of professional experience
Work History
Mortgage Closer
Lennar Mortgage
07.2024 - Current
- Organized and prioritized multiple new construction loan files simultaneously, maintaining strict deadlines to meet client expectations.
- Developed strong relationships with clients and real closing team, fostering trust in the mortgage closing process.
- Facilitated clear communication channels between all parties involved in each transaction for more efficient problem resolution when needed.
- Prepared final package by generating closing type for either WET, HYBRID, or RON closing.
- Reviewed POA and Trust documents while accurately updating the system to have final documents reflect faultlessly.
- Resolved issues efficiently during the pre-closing stage, minimizing delays and keeping transactions on schedule.
- Collaborated closely with underwriters, processors, and title companies for seamless loan closing experiences.
- Expedited loan approval times through diligent tracking of underwriting conditions and proactive communication with all parties involved.
Sr. Closer
American Pacific Mortgage
01.2021 - 05.2024
- Handled Conventional, FHA, VA, whether it was New Construction, Purchases and/or Refinances
- Prepared the initial CD to be sent to the borrower(s) while reviewing loan for accuracy
- Analyzed financial statements, Title Commitment, HOI, Flood, MI, Credit Report, invoices, and pertinent information to determine credit worthiness of prospective customers while reviewing outstanding Underwriter(s) conditions
- Made sure all necessary documents, including bank statements, tax returns, invoices, pay-stubs, etc
- Were present
- Reviewed and prepared mini packages for the initial CD to be sent to the borrower(s) and Closing agents to prepare their figures for CD preparation
- Ran necessary tests for loan type i.e
- Mavent & UCD
- Corrected applications to current information if applicable
- Reviews files for signatures, any missing pages, Closing Disclosure matches Encompass
- Cleared underwriting and closing contingencies
- Dispatched closing instructions to closing agent(s)
- Prepared Final packages and ran Mavent along with any other test requirements for loan types
- Handled branch/lender cures pertaining to RESPA guidelines and QM/ATM contingencies
- Checked closing documents to ensure they were properly prepared and executed
- Followed up on outstanding documents, including recorded mortgage(s) and title policies
- Did all funding reviews, requested wire(s), and provided authorization to disburse funds when review of final docs have been satisfied for wet signings or hybrid closings
Sr. Closer
Hamilton Home Loans
06.2015 - 12.2020
- Top producer in closing dept
- In both areas of quality and quantity
- Closed 145 loans a month
- Dealt with, FHA, VA, Conventional, whether it was New Construction, Purchases and/or Refinances
- Entered data from loan documents that has been reviewed and analyzed for misrepresentation and ensured not exceeding guidelines and policies
- Handled outstanding conditions from Underwriter(s) in communication with Title Companies and the loan team(s)
- Duties included but not limited to; review of the Preliminary/Commitment of title to make sure there were no outstanding judgments, lien, bankruptcies, foreclosures, and consumer was vested in title
- Note, Mortgage, 1003, 1008, Appraisal, 1004D, Deeds, HUD, CD
- LE, ICD etc
- Reviewed credit reports and determined whether credit report was not fabricated and credit scores did not have excess in points between mid-score and minimum score, checked credit payment history for late(s), bankruptcies, and foreclosures
- Reviewed tax returns, paystubs, 4506-T, CPL, HOI, Flood insurance, and MI
- Reviewed appraisals and determined if distance from comps and value was in tolerance, made sure all required documents and/or 1004D was present if there was required repairs and hazardous substance around subject property
- Reviewed VOD's, VOE's, VOM's, and VOR's to determine consistencies
- Reviewed and prepared mini packages for the initial CD to be sent to the borrower(s) and Closing agents to prepare their figures for CD preparation
- Ran necessary tests for loan type i.e
- Mavent & UCD
- Balanced Closing Disclosures with Title Company and loan team approval for accuracy to send the final package for closing
- Assist Post Closing Dept., when necessary, in Completion of investor's Post closing checklist and contact branches/closing agents/underwriter for any assistance with post-closing errors
- Trained new employees for closing position
Sr. Funding Analyst/Foreclosure Specialist
JPMorgan Chase USDA
03.2010 - 06.2015
- Handled Purchases, USDA, Pilot Refinances, Refinances, and New Constructions etc
- Advise closing instructions for mini packages
- Received and reviewed settlement statements for accuracy both borrower and seller's side, followed Chase and RESPA guidelines
- Request title companies and/or brokers for funding documents to satisfy outstanding conditions for authorization of disbursement on loans, also provided detailed information to closing agent(s) regarding questions and concerns
- Performed High-Cost state test, Borrower Paid test and Pilot Refinances test
- Open files put all documents for opening and review for closing
- Analyzed documents for misrepresentation and made sure it was not exceeding guidelines
- Received and prepared closed files involving payoff and mortgage information that is imperative for company policies
- Aided in other departments when necessary
- Kept track of 150 to 200 foreclosures from First Legal dept., through sales and reviewed Title Commitments
- Analyzed and executed Complaint verifications and Affidavit of indebtedness
Education
High School Diploma -
Skills
- Windows ME
- Microsoft Office 2021
- Micosoft Office 2024
- Outlook
- Typing
- Excel
- Clas
- WinFish
- Encompass
- Snap Docs
- Document preparation
- Appraisal analysis
- Closing disclosure
Educationcertificates
High School Diploma
Timeline
Mortgage Closer
Lennar Mortgage
07.2024 - Current
Sr. Closer
American Pacific Mortgage
01.2021 - 05.2024
Sr. Closer
Hamilton Home Loans
06.2015 - 12.2020
Sr. Funding Analyst/Foreclosure Specialist
JPMorgan Chase USDA
03.2010 - 06.2015
High School Diploma -
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