TESSA ROBINSON-HILL
Charlotte,NC
Summary
Seasoned Mortgage Operations and Compliance Professional with 20+ years of experience in mortgage compliance, quality control, and closing operations. Expertise in reviewing FHA, VA, USDA, Conventional, and Non-QM loan files for regulatory adherence and disclosure accuracy. Skillful in identifying compliance deficiencies, managing corrective actions, and collaborating across departments. Advanced user of Encompass LOS with a solid foundation in TRID requirements and risk mitigation.
Overview
1
1
Certification
15
15
years of professional experience
Work History
Senior Funding Specialist
Rapid Mortgage Company
Charlotte, NC
09.2025 - Current
- Conduct detailed reviews of mortgage loan files to ensure compliance and funding readiness, enhancing overall loan quality.
- Validate disclosure accuracy, closing documentation, and loan data integrity prior to funding.
- Review Conventional, FHA, VA, USDA, Non-QM, DSCR, and Bank Statement loan transactions.
- Employ Encompass LOS to review loan documentation, identifying and resolving discrepancies to facilitate timely funding.
- Partner with processors, underwriters, closers, and settlement agents to resolve documentation exceptions and compliance concerns.
- Identify and analyze recurring documentation and compliance trends to support operational quality initiatives and improve processes.
Post Closing Team Lead
ResiCentral, LLC
Charlotte, NC
04.2023 - 09.2025
- Led post-closing quality control activities and loan file reviews to ensure compliance with investor, agency, and company requirements.
- Monitored and tracked monthly quality control findings, implemented and documented corrective actions to address issues effectively.
- Collaborated with closing, underwriting, compliance, and operations teams to resolve audit findings and improve workflows.
- Monitored and tracked monthly quality control findings, ensuring corrective actions were implemented and documented.
- Maintained detailed records of audit exceptions and resolutions, supporting compliance reporting and enhancing transparency.
- Defined and implemented Encompass LOS business requirements to strengthen operational controls and improve loan quality.
- Supported management reporting and departmental compliance initiatives through trend analysis and quality reviews.
- Identified process improvements that addressed recurring compliance issues, contributing to overall operational stability.
Senior Closing Specialist
First Home Mortgage Corporation
Charlotte, NC
07.2021 - 01.2023
- Managed FHA, VA, USDA, Conventional, and Non-QM loan transactions while maintaining strict compliance standards.
- Reviewed loan files and mortgage disclosures to ensure compliance with federal regulations and investor requirements.
- Verified accuracy of disclosure packages and closing documentation throughout the loan process.
- Identified documentation deficiencies and coordinated resolution efforts prior to closing.
- Maintained high levels of audit readiness through detailed file review and documentation management.
- Collaborated with internal departments and external settlement agents to facilitate timely loan closings.
Senior Closing Specialist
Stockton Mortgage Corporation
Charlotte, NC
06.2020 - 06.2021
- Conducted comprehensive reviews of mortgage files and closing packages for funding and compliance readiness.
- Ensured documentation accuracy and adherence to regulatory and investor requirements.
- Coordinated with loan originators, underwriters, processors, and settlement agents to efficiently resolve exceptions and ensure timely closings.
- Conducted proactive file reviews and quality control measures to minimize post-closing deficiencies and enhance compliance.
- Maintained accurate documentation to support compliance audits and facilitate regulatory adherence.
Senior Closing Specialist
First Home Mortgage Corporation
Columbia, MD
07.2018 - 02.2020
- Managed complex loan transactions while ensuring regulatory compliance and disclosure accuracy.
- Collaborated with operations and underwriting teams to resolve file deficiencies and ensure timely closings.
- Evaluated loan documentation for completeness and compliance with investor eligibility requirements.
Closing Team Lead & Corporate Technical Trainer
The Money Source
Walnut Creek, CA
06.2016 - 01.2018
- Led team of mortgage closing professionals in document review and funding operations, ensuring timely and accurate processing.
- Delivered compliance-focused training and technical guidance to operational staff, enhancing understanding of regulations and processes.
- Developed and delivered process improvement initiatives designed to improve accuracy and reduce operational risk.
- Partnered with leadership on workflow enhancements to achieve operational compliance objectives and streamline processes.
- Assisted in maintaining adherence to company policies and mortgage regulations.
Closing Team Trainer & Subject Matter Expert
Wells Fargo Home Mortgage
Charlotte, NC
02.2015 - 06.2016
- Acted as department Subject Matter Expert for closing procedures, disclosure requirements, and process improvements.
- Served as Subject Matter Expert for closing procedures, disclosure requirements, and process improvements, enhancing team knowledge and efficiency.
- Trained new hires and facilitated ongoing compliance and operational education, ensuring adherence to regulatory standards.
- Managed complex loan pipelines, upholding quality and service standards while meeting deadlines.
Mortgage Closing Department Manager
AmeriSouth Mortgage
Charlotte, NC
04.2012 - 10.2014
- Managed multi-state mortgage closing operations, ensuring compliance with regulatory standards.
- Implemented process improvements that enhanced compliance controls and reduced risk exposure.
- Reviewed pre-purchase conditions, identifying and addressing documentation deficiencies to facilitate timely closings.
- Oversaw warehouse line relationships and investor delivery operations to streamline funding processes.
- Maintained audit documentation and compliance records supporting operational and regulatory requirements.
- Oversaw warehouse line relationships and investor delivery operations.
Education
Bachelor of Science - Business Management
Western Governors University
Salt Lake CityAssociate of Arts - Business
Tiffin University
TiffinHigh School Diploma - undefined
Harding High School
Charlotte, NCSkills
- TRID Compliance Audits
- Loan File Reviews & Audits
- Disclosure Accuracy Reviews
- Mortgage Disclosure Review
- Investor Delivery & Compliance
- Documentation Control
- Regulatory Compliance Monitoring
- Regulatory Examination Support
- Quality Control Reporting
- File Compliance Management
- Audit Documentation & Record Retention
- Compliance Tracking & Reporting
- Investor Delivery Systems
- Risk Mitigation Strategies
Certification
CompTIA Project+ Certification
Personal Information
Title: MORTGAGE COMPLIANCE | TRID AUDITING | QUALITY CONTROL | ENCOMPASS LOS
Timeline
Senior Funding Specialist
Rapid Mortgage Company
09.2025 - Current
Post Closing Team Lead
ResiCentral, LLC
04.2023 - 09.2025
Senior Closing Specialist
First Home Mortgage Corporation
07.2021 - 01.2023
Senior Closing Specialist
Stockton Mortgage Corporation
06.2020 - 06.2021
Senior Closing Specialist
First Home Mortgage Corporation
07.2018 - 02.2020
Closing Team Lead & Corporate Technical Trainer
The Money Source
06.2016 - 01.2018
Closing Team Trainer & Subject Matter Expert
Wells Fargo Home Mortgage
02.2015 - 06.2016
Mortgage Closing Department Manager
AmeriSouth Mortgage
04.2012 - 10.2014
High School Diploma - undefined
Harding High School
Associate of Arts - Business
Tiffin University
Bachelor of Science - Business Management
Western Governors University