Sheila Millar

• 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.
• Delivered positive customer experiences and successful deal closures through open, constructive communications.
• Affirmed loan document accuracy to protect lenders from potential fraud.
• Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
• Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.

• Responded to customer requests for products, services, and company information.
• Educated customers about billing, payment processing and support policies and procedures.
• Investigated and resolved customer inquiries and complaints quickly.
• Maintained up-to-date knowledge of product and service changes.

• Developed and maintained relationships with customers and suppliers through account development.
• Cross-trained existing employees to maximize team agility and performance.
• Maximized performance by monitoring daily activities and mentoring team members.
• Accomplished multiple tasks within established timeframes.
• Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
• Assisted in organizing and overseeing assignments to drive operational excellence.

• 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.
• Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
• Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
• Consulted with outside vendors to identify and resolve loan closing issues.
• Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
• Monitored pipelines to track and log status of loans.
• Resolved problems, improved operations and provided exceptional service.
• Managed disbursements, cut and processed checks and mailed correspondence.
• Completed post-closing quality control evaluations of originated mortgage loans.
• Worked with warehouse banks to manage shipment of collateral documents.
• Prepared and reviewed buyer, seller, HUD and other transaction documents.

Directed residential purchase and refinance mortgage processing for conventional, FHA, USDA, and VA loans under numerous programs

• Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
• Maintained compliance with government and company policies and rules
• Ensured superior customer service by building professional relationships with loan officers, buyers, sellers, title companies, builders, and agents
• Team Member Lead/Manager on the Development of Policy and Procedures.
• Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
• Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.

• Orchestrated loan setups and loan modifications into permanent products
• Worked Closely with Many professionals involved in building a home, such as surveyors, appraisers and city permits departments
• 203K and Rehabs Specialist
• Examined and directed borrower payments and processing
• Oversaw prepayment calculations including payoff quotes and relevant calculations
• Guaranteed all invoices were submitted for payment in a timely manner, all liens cleared, and no lien hold placed on the homes
• Responsible for inputting loan information into the RealTrac system, collect documentation for inspection, prepare, process, and disburse funds, manage inspection requests and construction updates, prepare modification documents for permanent loan, initiate deposit accounts for escrow money, quote and prepare payoff letters, prepare satisfaction of mortgages, trained construction administrators

• Cultivated positive relationships with vendors to deliver timely and cost-effective supply of services and materials.
• Maintained database systems to track and analyze operational data.
• Provided reporting for forecast analysis and ad-hoc reporting in support of decision-making.
• Collected, arranged, and input information into database system.
• Worked with underwriters to fix application problems and resolve issues.
• Participated in industry events and conferences to build relationships and gain market intelligence.
• Reviewed loan files and updated to match current standards.
• Communicated with clients, processing teams and other third parties to achieve prompt loan closings.