Phyllis Prosser
Painesville
Summary
Detail-oriented Closer with proven success in assembling closing documentation for diverse loan types. Demonstrates ability to work efficiently under pressure while maintaining high accuracy and compliance standards. Experienced in managing both industry-funded and government-backed loans, ensuring timely resolution of issues.
Organized professional with strong scheduling skills and a methodical approach to documentation. Results-oriented Scheduler highly effective at managing calendars in demanding, fast-paced environments and versed in resource loading and operations sequencing.
Overview
37
37
years of professional experience
1
1
Certification
Work History
Home Health Scheduler
Ohio Living home Health and Hospice
Willoughby
04.2025 - Current
- Communicated schedule changes effectively throughout the organization when necessary.
- Developed and maintained scheduling procedures to ensure timely completion of projects.
- Ensured compliance with established policies and procedures related to scheduling activities.
- Performed data entry into computer systems for tracking purposes.
- Provided guidance and advice on best practices related to scheduling initiatives.
- Scheduled and confirmed appointments.
- Maintained positive working relationship with fellow staff and management.
- Handled incoming calls and directed callers to appropriate department or employee.
- Answered phones and routed voicemails to respective employees.
Closer
JPMorgan Chase Cleveland
10.2016 - 08.2022
- Processing all final closing numbers
- Balancing CD’s and final closing cost
- Reviewing 12-22 files a day
- Ordering wires and transmitting all wires each day
- Using closer system
- Using updated MX system converted in November 2018
- Funding all loans according to funding date
- Reviewing critical docs to fund the loans
- Funding 8-11 loans daily while sending out closing docs for loans that will be closing in 24-48 hours
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Validated and audited final signed documents in accordance with state, county and investor guidelines.
- Conducted pre-funding and funding activities for over 100 monthly applications.
- Maintained checklists of required documentation and open issues affecting closings.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Handled as many as 100 closing files each month by effectively organizing, multitasking and prioritizing closing work.
Processor
Goldwater Bank Beachwood Ohio
04.2016 - 05.2016
- Processing all conventional Loans over 20 loans a month
- Reviewing all documentation to complete the loan
- Finalizing all fees and final numbers
- Maintaining quality on all files
Quality Assurance Mortgage Underwriter
Proficio Mortgage LLC
Independence
07.2014 - 05.2015
- Underwriting all types of loan for quality assurance
- Assists in many different project with Quality Assurance Manager
- Setting up new Vendors for Title, Appraisals and Closing agents
- Write up on investor Pends
- Reviewing all guidelines and investor
- Calculating all types of income
Senior Underwriter
Bank of America
Beachwood
05.2013 - 11.2013
- Underwriting Making Homes Affordable loans
- Adhering to all Underwriting guidelines and regulations
- Clearing conditions for Jr Underwriters
- Final audits of loans,
- Calculating DTI, LTV ratios
- Calculating all types of income
Senior Underwriter
Ohio Catholic Federal Credit Union
Garfield
09.2010 - 05.2013
- Underwriting all mortgage loans
- Consumer loans, Visa credit cards
- Training sales force in all guidelines and compliance
- Maintaining all audits
- HMDA, RESPA, all compliance
- Appraisal Training
Personal Banker
First Merit Bank
Geneva
12.2008 - 09.2010
- Opening Checking and savings accounts
- Underwriting Home Equity Loans
- Cross selling all bank products and Adhering to all bank policies and procedure
Operations Manager and Senior Underwriter
First Franklin
08.2002 - 11.2007
- Underwriting mortgage loans with credit authority of 1 million
- Managing staff of 30 employees
- Staff Meetings
- Maintaining all QA and compliance audits
- Training all staff on loan documents and guidelines
- Manager all department from registration to closing
- Attended all conference for continued training in the industry
- Appraisal Training
- Compliance Training
- Completed all new hire Paper work
- Reviewed Appraisal to determine if a new Appraisal was required of if I was able to waive review
- Reviewed all files for final review Post Closing Audit
- Adhered to all company guidelines and investor overlays
- Underwrote all types of Mortgage loans
- Wholesale and Retail
- Alliance Funding a Division
Senior Underwriter
Superior Bank
Beachwood
08.1988 - 01.2002
- Underwriting up to credit limit of 750K
- Reviewing all documents
- Analyzing all types of income
- Underwriting 8-12 files per day
- Training other underwriter on all company guidelines and policies
Education
All Real Estate Courses -
Lakeland Community College
Studied Business Management -
Mentor High School
Skills
- Funds Disbursement Application
- Tax Receipts
- Lending Software Systems
- Loan Records Filing and Maintenance
- Desktop Underwriter
- Closing Documentation
- Insurance Forms
- Customer Communication
- Customer Loyalty
- Production Standards
- Property Appraisals
- Loan Disbursement
- Closing Costs Calculation
- Consumer Loan Underwriting
- Bank Secrecy Act
Accomplishments
- Supervised team of 30 staff members. Promoted from Underwriter to Operations Manager in 6 mos.
Certification
- All bank regulations Training - every year.
Timeline
Home Health Scheduler
Ohio Living home Health and Hospice
04.2025 - Current
Closer
JPMorgan Chase Cleveland
10.2016 - 08.2022
Processor
Goldwater Bank Beachwood Ohio
04.2016 - 05.2016
Quality Assurance Mortgage Underwriter
Proficio Mortgage LLC
07.2014 - 05.2015
Senior Underwriter
Bank of America
05.2013 - 11.2013
Senior Underwriter
Ohio Catholic Federal Credit Union
09.2010 - 05.2013
Personal Banker
First Merit Bank
12.2008 - 09.2010
Operations Manager and Senior Underwriter
First Franklin
08.2002 - 11.2007
Senior Underwriter
Superior Bank
08.1988 - 01.2002
All Real Estate Courses -
Lakeland Community College
Studied Business Management -
Mentor High School
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