Trisha Clarke
Summary
Dynamic Senior Mortgage Loan Closer with extensive experience at GL Financial Services, excelling in mortgage closing procedures and post-closing accuracy. Detail-oriented and proficient in Encompass, effectively collaborate with teams to ensure seamless transactions, consistently meeting deadlines and enhancing client satisfaction. Recognized for my strong interpersonal communication skills and commitment to excellence.
Overview
24
24
years of professional experience
Work History
Senior Mortgage Loan Closer
GL Financial Services
04.2015 - Current
- Communicate with Loan Officer, Loan Processor and all other internal parties as needed to facilitate a successful loan closing
- Prepare and review mortgage Loan closing documents for accuracy and completeness while ensuring all underwriting conditions are met.
- Coordinate the delivery of closing documents to the title company or closing attorney.
- Work with title Company or closing attorney to finalize the Final Closing Disclosure or Final HUD one for closing
- Request wire amount from warehouse bank for lender funds to be sent to closing and ensure wire amount balances to Final Closing Disclosure or settlement statement
- Prepare initial Closing Disclosure to be sent to buyer for Signature to adhere to Federal Guidelines (TRID)
- Deliver Closing Documents to end investor and ensure all post closing conditions are uploaded timely to lender's portal to Facilitate the purchase of the loan
- Once Loan is purchased , reconcile funding spread sheet and send to accounting.
- Assist Processing Department with sending out Loan Estimate disclosures for a Change in loan amount or purchase price.
- Send out Rate Lock Loan Estimate once rate is locked by the Loan Officer.
REO Title Processor
Kahane & Associates
04.2010 - 04.2015
- Worked in the REO closing department clearing title for homes that were Foreclosed on by Fannie Mae and Freddie Mac
- Worked with City's code enforcement officers to get all violations corrected and code enforcement fines paid.
- Communicated effectively with Fannie and Freddie asset managers and realtors to ensure a successful closing once the REO property was under contract.
- Prepared Title Commitment , Closing Protection letter, and Chain Of title for Buyer's lender
- Handed file off to REO Closer once title of property was cleared for closing.
REO Title Processor
The Law Offices of David Stern
04.2009 - 04.2010
- Worked in the REO closing department clearing title for homes that were Foreclosed on by Fannie Mae and Freddie Mac
- Updated Fannie and Freddie asset managers and realtors on progress of clearing title to ensure a successful closing once the REO property was under contract.
- Prepared Title Commitment , Closing Protection letter, and Chain Of title for Buyer's lender
- Handed File off to REO Closer once title was clear for closing.
Mortgage Loan Closer
Countrywide Home Loans
07.2005 - 08.2008
- Prepared all paperwork for loan package to be signed by borrower at closing .
- Reviewed mortgage documents for accuracy,and ensured all closing conditions were met.
- Worked with title company or closing attorney to finalized and issue lender approval for final HUD Settlement statement for closing
- Explained Final Closing numbers to borrowers
- Initiated wire of lender funds to be sent to closing
- Ensure all closing docs were executed correctly by buyer before handing file off to post closing department
Mortgage Loan Closer
ABN AMRO Bank
04.2001 - 07.2004
- Worked on high volumes of closings for customers refinancing on their homes .
- Prepared all paperwork for loan package to be signed by borrower at closing .
- Reviewed mortgage documents for accuracy,and ensured all closing conditions were met.
- Worked with title company or closing attorney to finalized and issue lender approval for final HUD Settlement statement for closing
- Explained Final Closing numbers to borrowers
- Past File off to Funding department
Education
Bachelor of Science - Business Administration - Accounting
DeVry University
Miramar, FL06-2019
Skills
- Mortgage Loan Closings procedure
- Funding procedure
- Post-closing procedure
- Detail Oriented
- Multitasking
- Interpersonal Communication
- Collaborates effectively in a team setting
- Technology Proficient
- Proficient in Microsoft Outlook, Excel , Word and Power Point
- Proficient in the use of Encompass-Mortgage Loan Origination system
Timeline
Senior Mortgage Loan Closer
GL Financial Services
04.2015 - Current
REO Title Processor
Kahane & Associates
04.2010 - 04.2015
REO Title Processor
The Law Offices of David Stern
04.2009 - 04.2010
Mortgage Loan Closer
Countrywide Home Loans
07.2005 - 08.2008
Mortgage Loan Closer
ABN AMRO Bank
04.2001 - 07.2004
Bachelor of Science - Business Administration - Accounting
DeVry University
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