Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Shirlys J Sierra

Orlando,FL

Summary

Detail-oriented and methodical Closer successful in assembling closing documentation for Conventional, Jumbo, FHA, VA, and Down Payment Assistance loans. Work quickly and accurately to meet strict standards, clear issues and prepare document packages. Handle industry-funded and government-backed loans with skill and efficiency.

Overview

6
6
years of professional experience

Work History

Mortgage Closer IV

Cardinal Financial
Remote
10.2019 - 01.2023
  • Reviewed loan approval and conditions to validate completeness and accuracy in preparation of closing documents in compliance with state and federal requirements.
  • Reviewed certain aspects of loan files for accuracy and conformance to company policy, investor's underwriting guidelines, and regulatory compliance.
  • Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
  • 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.
  • Worked as a team with sales, processing, underwriting, funding and management to ensure loans are closed with accuracy, and within compliance of corporate policies and RESPA.
  • Maintained a working knowledge of lending programs, procedures and regulatory requirements, demonstrating a commitment to complying with all Federal and State compliance policies and following RESPA requirements.

Mortgage Closer/Mortgage Funder

Wells Fargo
Orlando, FL
08.2016 - 09.2018
  • Reviewed loan conditions, documents and data to ensure accuracy. Prepared closing documents.
  • Reconciled and balanced the Closing Disclosure with Settlement Agent. Reviewed title, hazard insurance, taxes, and all pertinent information.
  • Disclosed the Closing Disclosure to borrowers, addressed questions regarding the closing process and requirements.
  • Resolved issues and cleared closing conditions from the underwriting approval to mortgage loan closing.
  • Requested Wire Transfer for loan funding and utilized multiple programs and applications for closing. Met crucial closing deadlines.

Education

Bachelor of Arts - Criminal Justice And Sociology

Florida Atlantic University
Boca Raton, FL
08.2006

Skills

  • Six years' experience in mortgage lending
  • Experience with FHA, VA and Down Payment Assistance loan products
  • Previous experience with loan closings and regulatory compliance
  • Proficient in spelling, grammar, and composition
  • Strong written and verbal communication skills
  • Ability to compose and format documents
  • Ability to use software and graphic applications, computers, and office equipment
  • Microsoft Word, Excel, PowerPoint and Google experience

Languages

Spanish
Native or Bilingual

Timeline

Mortgage Closer IV

Cardinal Financial
10.2019 - 01.2023

Mortgage Closer/Mortgage Funder

Wells Fargo
08.2016 - 09.2018

Bachelor of Arts - Criminal Justice And Sociology

Florida Atlantic University

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Shirlys J Sierra