Nina Shepard
Lincoln Park
Summary
Professional mortgage closer with solid expertise in loan documentation and compliance. Adept at navigating complex financial transactions while ensuring accuracy and timely execution. Strong collaborator focused on team success and adaptable to changing needs. Skilled in problem-solving, customer communication, and regulatory compliance.
Overview
19
19
years of professional experience
Work History
Sr Mortgage Loan Closer III
Old National Bank
Tecumseh, MI
07.2025 - Current
- Managed closing processes for complex mortgage transactions, ensuring compliance with regulatory standards.
- Collaborated with loan officers and Processors ,Underwriters Aand title to resolve issues and expedite loan closings.
- Reviewed closing documents for accuracy and completeness, facilitating efficient loan disbursements.
- Streamlined workflows by implementing process improvements, reducing turnaround times for loan closings.
- Conducted quality control checks on closed loans, identifying discrepancies and rectifying errors proactively
- Funding and Post closing all my loans
Sr Loan Closer
Goldstar Financial
Ann Arbor, MI
01.2025 - 04.2025
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
- Led end-to-end loan closing processes to ensure compliance with regulatory standards.
Customer Service Coordinator
D.R. Horton
Maricopa, AZ
06.2023 - 01.2025
- Receive and confirm receipt of homeowner requests
- Makes initial contact with homeowners and/or Customer Service Technicians to schedule inspection appointments
- Evaluate homeowner repair issues to determine if they are warrantable items
- Communicates effectively to homeowner if repair issue is deemed not warrantable
- Process written or electronic work orders and/or verbal instructions from supervisor for homeowner repairs
- Schedule and manage subcontractors to make designated warranty repairs
- Certifies warranty work is completed within contractor obligations
- Follow up with homeowners to ensure concerns are addressed in a timely and professional manner
- Conducts all business in a professional and ethical manner to serve customers and increase the goodwill and profit of the company
- Ability to work overtime
- Develops and maintains good rapport with subcontractors and homeowners
- Execute policies to ensure compliance with quality standards
Senior Mortgage Warehouse Specialist (Commercial)
Western Alliance Bank
01.2022 - 06.2023
- Evaluated and processed funding requests for commercial loans secured by residential and commercial assets, ensuring high accuracy in the review of key financial documents.
- Maintained and updated financial records, including system entries and Excel spreadsheets, to accurately reflect collateral documentation and transactions.
- Delivered exemplary customer service by promptly addressing inquiries and requests, as well as identifying and implementing process enhancements.
- Managed line of credit operations, including draw and paydown requests, while providing mentorship and driving operational improvements within the team.
- Managed a high-risk client portfolio, ensuring compliance with regulatory standards and maintaining strong client relationships to mitigate potential risks.
Sr. Mortgage Loan Closer III
Bank of the West
Tempe ,AZ
01.2017 - 01.2022
- Prepared initial Closing Disclosures and loan documentation, ensuring accuracy and compliance before submission to borrowers and third-party vendors.
- Conducted thorough reviews of signed loan documents, authorizing the release and funding coordination to facilitate timely wire transactions.
- Examined Title Commitments to verify clear first lien positions and updated systems to reflect title status, mitigating risks associated with mortgage defects.
- Collaborated with processing and underwriting teams to confirm adherence to loan requirements, streamlining file delivery and minimizing member delays.
- Served as a Subject Matter Expert and quality assurance specialist, providing guidance to new closers, conducting file reviews, and ensuring compliance with REPSA guidelines.
- Won Closer of the Year for closing the highest number of loans, demonstrating exceptional efficiency and dedication.
Sr. Mortgage Loan Closer III
UAMC Mortgage Company/Lennar Homes/Eagle
Tempe, AZ
01.2015 - 01.2017
- Oversaw the final stages of the mortgage lending process for UAMC Mortgage Company/Lennar Homes/Eagle, ensuring accurate and timely closings as a Sr. Mortgage Loan Closer III by verifying compliance with all loan documentation, coordinating with title companies, preparing closing documents, and facilitating communication between borrowers, underwriters, and lenders.
Sr. Mortgage Loan Closer III
BBVA Compass Bank
Tempe, AZ
01.2011 - 01.2015
- Coordinated the closing process for residential mortgage loans at BBVA Compass Bank, ensuring compliance with bank policies, federal regulations, and investor requirements; meticulously reviewed closing documentation, facilitated communication between all parties, and managed the disbursement of funds to finalize real estate transactions.
- Awarded Closer of the Year for outstanding performance and dedication to excellence in mortgage loan closings.
Sr. Mortgage Loan Closer II
Chase Bank
Tempe, AZ
01.2007 - 01.2011
- Coordinated the final stages of mortgage loan closing processes for Chase Bank, ensuring compliance with bank policies, underwriting guidelines, and federal regulations; meticulously reviewed loan documentation, facilitated communication between all parties, and confirmed transaction settlements, contributing to the bank's reputation for accuracy and customer satisfaction.
Education
No Degree -
Wayne County Community College
01-1996
Diploma - Basic
John F Kennedy High School
Taylor, MI05-1995
Skills
- Loan Documentation
- Risk Assessment
- Customer Relationship Management
- Closing procedures
- Funding coordination
- Title review
- Document review
Timeline
Sr Mortgage Loan Closer III
Old National Bank
07.2025 - Current
Sr Loan Closer
Goldstar Financial
01.2025 - 04.2025
Customer Service Coordinator
D.R. Horton
06.2023 - 01.2025
Senior Mortgage Warehouse Specialist (Commercial)
Western Alliance Bank
01.2022 - 06.2023
Sr. Mortgage Loan Closer III
Bank of the West
01.2017 - 01.2022
Sr. Mortgage Loan Closer III
UAMC Mortgage Company/Lennar Homes/Eagle
01.2015 - 01.2017
Sr. Mortgage Loan Closer III
BBVA Compass Bank
01.2011 - 01.2015
Sr. Mortgage Loan Closer II
Chase Bank
01.2007 - 01.2011
Diploma - Basic
John F Kennedy High School
No Degree -
Wayne County Community College