Patricia A. Rubio

• Responsibilities included reviewing closed residential mortgage loan packages to ensure no deficiencies/inaccuracies for numerous clients.
• Maintained daily communication and follow-ups with investors, warehouse banks and title companies to quickly resolve discrepancies/inaccuracies or any other outstanding issues post closing.
• Ensured any and all corrections or missing documentation was immediately uploaded to the appropriate Investors' websites prior to loan's lock expiration.
• Continuously maintained strong relationships with third parties, facilitating efficient turnarounds in the post closing process.
• Trained new employees on post-closing procedures, including shipping practices, suspense clearing, and transferring closed loan packages to investor.
• Always maintained an open communication with team members, creating a positive and knowledgeable work environment that led to improved performance outcomes.

• Prepared and reviewed FHA, VA, Conventional and ARM residential mortgage loan documents and other necessary documents to facilitate smooth mortgage closings for numerous clients in a timely manner.
• Finalized closing documents for compliance with all regulatory standards and forwarded to appropriate title companies for closing.
• Managed large caseload of loans with high accuracy and professionalism, meeting all closing deadlines.
• Updated knowledge of industry regulations, ensuring compliance with mortgage closing standards.
• Collaborated with lenders, title 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 title commitments and insurance and flood zone certifications to meet closing standards for each property.

• Prepared and reviewed full residential closing legal documents for accuracy and compliance with regulatory guidelines in a timely manner.
• Maintained up-to-date knowledge of state and federal guidelines (RESPA, Dodd-Frank, TRID, TILA) for FHA, VA, conventional, and ARM loans to ensure compliance and mitigate risk.
• Ensured that client's loan programs, legal fees, loan terms were correct and compliant for residential mortgage closing.
• Resolved any vesting and/or lien issues on title commitments with lender and/or title companies, involving attorneys when necessary.
• Coordinated closing schedules with clients and title companies, ensuring timely completion of transactions and enhancing client satisfaction..

• Coordinated client and court scheduling for senior attorney Mr. Balcolm, ensuring timely availability for all appointments.
• Managed all firm correspondence and directed it to the appropriate attorney and/or departments.
• Front office supervisor and receptionist for law firm.
• Supported bankruptcy and foreclosure department by performing data entry for numerous files, enhancing organization and access to case information. Also assisted in court filings with all surrounding county clerk's offices for all monthly bankruptcy and foreclosure files.

• Legal assistant to Bankruptcy and Foreclosure Department manager, Ms. Betty Richey.
• Managed high-volume workload, such as data entry on monthly foreclosure and bankruptcy files while maintaining strict attention to detail on every file.
• Responsible for tracking all upcoming bankruptcy and foreclosure files in all appropriate counties and reducing errors in court filings by proof reading documents for accuracy before submission to county clerk's office.
• Delivered exceptional service in a timely manner to clients by assisting them with routine needs like obtaining copies of pertinent records or directing them to appropriate resources when needed.

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