Nicolas Matamoros
Mesa,AZ
Summary
Detail-oriented and methodical Closer successful in assembling closing docs as well as Closing Manager experiance. Work quickly and accurately to meet closing dates, clear issues and prepare document packages. Handle industry-funded and government-backed loans with skill and efficiency as well as bond loans.
Overview
12
12
years of professional experience
Work History
CLOSER II
NFM Lending
02.2022 - Current
- Thorough review of the file in a short time frame.
- Accurate final closing docs.
- Clear communication with various individuals (title companies, branches, other departments).
- Responsible for the auditing of loan files in accordance with NFM Lending guidelines as well as Federal and State regulations to ensure the loan meets requirements.
- Must input and audit loan data to ensure that accurate and complete loan files are produced.
- Must ensure that all closing documentation is accurate and complete.
- Perform the final Compliance Ease check on each loan to be sure we close in compliance with state and Federal High Cost tests.
- Review all final HUDs prior to release of docs and cure any and all tolerance violations on the HUD prior to closing.
Closing Manager
Stearns Lending, LLC
03.2021 - 02.2022
- Responsible for overseeing and managing daily operations of closing, provide and develop training for new hires as well as providing ongoing training for existing staff
- Enhanced closing procedures by streamlining processes and implementing time-saving strategies.
- Review pipeline reports and ensure timelines are being met
- Manage audits daily and work with the team to ensure audits are cleared in a timely manner
- Host 1 on 1's with my team individually as well as hosting biweekly closing meetings to address issues and changes within the company and procedures
- Assist with funding and drawing docs when the team is at capacity
- Monitoring of task to ensure all task are at 24 hours, help monitor the funding mailbox, assigning out files from the previous day as well as rushes and purchase priority
- Provide ITP and EACD override, reviewing and requesting supplemental wires and Jumbo 2nd level review.
Closer (Doc Drawer and Funder)
Stearns Lending, LLC
08.2020 - 03.2021
- Responsible for processing docs from my pipeline and maintain a quick turnaround turn time to allow a proficient closing
- Following our company guidelines in processing our docs and ensuring docs were sent out on time to title.
Closer (Doc Drawer and Funder)
ClosingMark Home Loans/ Taylor Morrison Home Funding
12.2020 - 07.2020
- Monitor Daily Closing Reports
- Achieve proficiency in all document preparation
- Consistently utilize all portions of the closing compliance and file audit checklist
- Accurately review title draft CD's
- Communicate with Loan Officer and title for CD approval
- Responsible for processing loan documents, completing our doc audit checklist, retrieving a final CD from title to balance and sending our balanced final CD to title and the borrower to review prior to their signing
- Responsible for reviewing all signed funding documents sent from the closing agent and confirming all 'at closing' conditions on the loan final approval have been met to issue funding authorization
- Completing the funding checklist audit, running UCD on Conventional loans, and making sure all government documents were provided on government loans as well as new builder documents
- Follow proper closing guidelines for Oregon, Washington, California, Nevada, Colorado, Texas, Florida, Georgia, North and South Carolina
FUNDER
Stearns Lending, INC.
12.2015 - 11.2020
- Responsible for reviewing signed documents from escrow, making sure all conditions have been met and provide funding authorization.
DOCUMENT DRAWER
Stearns Lending, INC.
12.2015 - 11.2020
- Responsible for processing docs from my pipeline and maintain a quick turnaround turn time to allow a proficient closing
- Following our company guidelines in processing our docs and ensuring docs were sent out on time to title.
CD DRAWER
Stearns Lending, INC.
12.2015 - 11.2020
- I am responsible for inputting all of title/escrow fees, input estimate close date, check escrow/title information is correct, check wiring instructions, check impounds and input invoice information
- I send a draft copy to the appropriate party (escrow, broker, AE) and communicate with escrow on fees while the broker confirms their fees
- Once approved, I release the CD to the borrowers.
ACCOUNT MANAGER ASSISTANT
Stearns Lending, INC.
06.2015 - 12.2015
- I would help and assist the Account Managers by ordering SSA's, inputting escrow/title information, Realtor Information, VOE's and completing LDP/GSA checklist.
LOAN SET-UP
Stearns Lending, INC.
02.2015 - 12.2015
- I was responsible for setting up the loan for the UW to review
- Inputting proper data and reaching out to the broker if anything was missing.
SHIPPER
Stearns Lending, INC.
06.2012 - 02.2015
- I was responsible for scanning and indexing all final loan documents in the office for post-closing and investors to easily find any documents they may require, as well as retrieve any post-closing documents that were missed.
Education
High School Diploma -
COSTA MESA HIGH SCHOOL
Costa Mesa, CA06.2010
Skills
- File Management
- Regulatory Compliance
- Strategic planning
- Customer service
- Effective communication
- Decision making
- Loan Closing Expertise
- Funding Coordination
- Attention to Detail
References
Referrals upon request
Timeline
CLOSER II
NFM Lending
02.2022 - Current
Closing Manager
Stearns Lending, LLC
03.2021 - 02.2022
Closer (Doc Drawer and Funder)
ClosingMark Home Loans/ Taylor Morrison Home Funding
12.2020 - 07.2020
Closer (Doc Drawer and Funder)
Stearns Lending, LLC
08.2020 - 03.2021
FUNDER
Stearns Lending, INC.
12.2015 - 11.2020
DOCUMENT DRAWER
Stearns Lending, INC.
12.2015 - 11.2020
CD DRAWER
Stearns Lending, INC.
12.2015 - 11.2020
ACCOUNT MANAGER ASSISTANT
Stearns Lending, INC.
06.2015 - 12.2015
LOAN SET-UP
Stearns Lending, INC.
02.2015 - 12.2015
SHIPPER
Stearns Lending, INC.
06.2012 - 02.2015
High School Diploma -
COSTA MESA HIGH SCHOOL
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