Nichole Demido
Westland
Summary
Triple Crown Post Close/Closing Hotline Specialist OBJECTIVE A dedicated professional with experience in various fields, including mortgage, training, customer service and management. Committed to utilizing my dedication for people and the ability to impact the outcome by driving initiatives forward and to continue to provide outstanding customer service and business relationships.
Overview
21
21
years of professional experience
Work History
Closing Specialist
John Adams Mortgage
07.2023 - Current
- Audited variety of critical financial documents for completeness and accuracy, noting and resolving deficiencies and errors.
- Interpreted borrower's assets and income to satisfy loan conditions and requirements.
- Produced closing instructions and coordinated with title company to monitor closing and funding.
- Coordinated with sellers, buyers, escrow agents, and real estate agents to complete loan submissions and scheduled closing dates.
- Reviewed funding packages by calculating fees and arranging for disbursement of loan funds.
- Managed final steps of closing process to mitigate risk and errors, achieving timely and efficient closings.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Partnered and Collaborated with other departments to implement processes for better work flow and efficiency ( Processing, Underwriting, and Post Close)
- Post Close Suspense management and Resolution
Closing Post Close/ Closing Hotline Specialist
Rocket Mortgage
02.2022 - 07.2023
- Post Close problem resolution
- Collaboration with closing underwriting, leadership, and all contacts of a file from origination to post close
- Restructuring of loans post close due to issues with Gift funds, Final settlement statement, undisclosed properties, and all other underwriting structure changes after signing
- Correspond with all parties necessary to correct and fix all files for underwriting/operational/trading soundness
- Communicate with internal and external partners to complete Sales force tickets
- Communication with all parties involved to resolve post close issues
- Review and Balance closing disclosure,and finalize with closing agents
- Assist partners on all loans in closing as needed as a hotline to assist if closer is unavailable
- Perform duties to benefit the success of our clients, partners, and team
- Closer Development and mentoring
- Assist Purchase and refinance loans in wholesale TPO( Conventional, FHA, VA (correspondent trained as well )
Triple Crown Closing Specialist
Rocket Mortgage
01.2020 - 02.2022
- Consistently meet the established production goal numbers, while managing a loan pipeline daily to balance closing disclosures to prepare final figures and documents for closing on Purchase and refinance TPO loans
- Maintaine above average call quality while helping closing agents, clients, and TPO partners understand our process and confirm closing information and fees
- Communicate with our closing agents, clients, and TPO partners on all purchase and refinance loans at Final Sign-off through the closing process of Closing Disclosure approval, schedules the loan with the client, and completes fulfillment of agent documents for signing
- Knowledge of wholesale mortgage industry ( Conventional, FHA, and VA loans )
Executive Title Coordinator
Rocket Mortgage
05.2019 - 01.2020
- Review lender requirements for a clear title on refinance and purchase loans with the closing agent and request any documentation needed for submission review
- Obtain Statements of information necessary to clear final title policy
- Confirm all contact information for those required to attend closing
- Verify details of the property for surevy requirrements per state as well as cost and payee
- Utilize settlement statements/closing disclosures to ensure tax proration and escrow accuracy
- Ensure title company fees and costs follow TRID guidelines to issue closing disclosures
- Obtain and verified wire instructions for funding and closing transactions
- Preform Research to clear vesting and deed issues
- Provide consistent communication and support to partners, via multiple platforms
Trainer/Shift Manager
Brinker International
01.2014 - 05.2019
- Head Trainer for all areas of the restaurant industry for multiple locations , scheduling, training material development and process development
- Shift Manager ( scheduling, team member developement, coaching, training, customer service )
- Facilitated distribution of tasks, monitoring staff performance, managing orders, and adhering to the sanitation standards and safety procedures
Regional Operations Manager
Charter One / Citizens Bank
02.2004 - 02.2012
- Multiple Location Management
- Operation Compliance Auditor
- Responsible for providing operation support and direction for the Banks banch offices, reviewing operational procedures and branch processes
- Advocate in a supporting role for retail branches with regards to operational related procedures
- Assisted the Security Officers by providing post property support
- Assisted in resolving all out of balance situations
- Participated in branch acquisitions, openings, and closing activities as well as other projects
Skills
- INTERPERSONAL/POWER SKILLS
- Problem-Solving
- Active Listening
- Dependability
- Professional Communication (Verbal & Written)
- Relationship Building
- Critical Thinking
- TECHNICAL SKILLS
- Microsoft Programs: Excel, Word, PowerPoint
- AMP (Mortgage Platform)
- Nexsys Clear Path Site (Portal)
- SalesForce
- Deadline oriented
- Title examination
- Document review
- Loan processing
- Closing expertise
- Objection handling
- Relationship management
- Data collection
Timeline
Closing Specialist
John Adams Mortgage
07.2023 - Current
Closing Post Close/ Closing Hotline Specialist
Rocket Mortgage
02.2022 - 07.2023
Triple Crown Closing Specialist
Rocket Mortgage
01.2020 - 02.2022
Executive Title Coordinator
Rocket Mortgage
05.2019 - 01.2020
Trainer/Shift Manager
Brinker International
01.2014 - 05.2019
Regional Operations Manager
Charter One / Citizens Bank
02.2004 - 02.2012
Similar Profiles
Kathleen KarminekeKathleen Karmineke
FHA, VA, Conventional and USDA Branch Underwriter Team Lead at Staunton Financial, Inc. d/b/a John Adams Mortgage, Total Home Lending CompaniesFHA, VA, Conventional and USDA Branch Underwriter Team Lead at Staunton Financial, Inc. d/b/a John Adams Mortgage, Total Home Lending Companies
Skye RossSkye Ross
Mortgage Loan Officer Assistant at John Adams Mortgage CompanyMortgage Loan Officer Assistant at John Adams Mortgage Company
KENETRA JKENETRA J
Mortgage Loan Processor at Towne MortgageMortgage Loan Processor at Towne Mortgage
Michael LazorkaMichael Lazorka
Elementary School Teacher at Melvindale Public SchoolsElementary School Teacher at Melvindale Public Schools
Jennifer PageJennifer Page
Principal at Wayne Westland School DistrictPrincipal at Wayne Westland School District