Brenda Neitzel Email and Phone Number

Created hard file for Escrow Closer and obtain missing contacts needed to communicate to all parties involved with the real estate transactionReviewed closing worksheet and verified sales price, loan amount, earnest money, title/lender fees and costs associated to file Researched and calculated all prorations of homeowners association dues, county property taxes and water/sewer billsMonitored receipt of title commitment and reviewed preliminary title report/commitment to verify vesting, legal description and all exceptions listed by Title Examiner.Ordered and monitored set tasks accordingly in SoftPro to ensure timely follow-up on all requested documents needed for clear tile policyCommunicated closely with Escrow Closer status of fileBalanced Closing Disclosure with LenderCollaborated with loan officers, real estate agents, and customers to ensure closing requirements were met Drafted and printed Power of Attorney/Attorney in Fact documents for a scheduled pre-sign, title closing and lender closing packages for Escrow Closer Prepared Settlement Statements (ALTA) for real estate agents, lender and escrow closer for review and approvalPrepared eCRV and disbursed all funds. Ensured all parties including the buyers, sellers and any agents receive copy of final settlement statement prior to closing, after receiving lenders final approvalSubmitted post-closing documents to lender to obtain funding and disbursement approvalAssisted all closers in the funding and disbursement process, ensuring all parties received correct disbursementsFiled Well Certifications with State of Minnesota

Conducted daily internal audits on multiple department procedures with various financial institutions to identify process and procedure gaps and submit proposed changes to business unit management for reviewLeveraged industry knowledge, technology and process to deliver results for foreclosing bank clients with the goal of improving productivity and reducing company costs by compiling data, conducting research and analysis to understand business challenges, identify industry trends, strategize and offer solutionsUnderstanding the implications of new information (state and federal legislation), review, identify and interpret related information to develop and evaluate options for both current and future problem-solving/decision-making to implement solutions and investigate “take-away” itemsBoosted productivity of bank client vendors by collecting and analyzing data, executing an informational on-time delivery conference call agenda including month to month trending analysis, monitoring delinquent event volume fluctuations and identify key targets for topic discussionsHighly skilled in influencing and negotiating timelines; gaining commitment and overcoming objections while exceeding expectations with internal and external business partners Coordinated, prepared and presented weekly combined conference calls with foreclosing attorney firms and foreclosing bank clients, which led to the successful reduction of attorney firm delinquent event volume, (185,000 to 29,000) resulting in a continued weekly record breaking volume decrease over a 24 month period, a 84.3% Coordinate, prepare and present monthly conference calls combined with both foreclosing attorney firms and foreclosing banks to achieve resolution on aged asset files with cost affecting litigation and title issues by identifying, research and analyze chronological litigation and/or title histories for any potential gaps or delays

Responsible for processing and pre-underwriting mortgage loan financing for multiple investors and multiple programs such as FNMA, FHA, VA, FHLMC and various bond programs specializing in new construction, sub-prime lending, investment properties along with purchase, refinance and HELOC/2nd mortgage transactionsGenerate financial ratios using computer programs, to evaluate customers' financial status and risk of lending moneyAnalyze documentation of mortgage applications and disclosures, credit data, payment histories, financial statements, income verifications (including tax returns to calculate income) appraisals, title commitments, plat surveys, contracts, agreements, divorce decrees, and tax returns to verify factors such as properties' legal descriptions, ownership, or restrictions

Analyze all credit information on credit reports and provide business support of the credit bureau reporting process Compiled and prepared credit reports for multiple mortgage companiesDelivered customer support to inbound requests by consumers on their credit history including all trade line disputes (credit cards/installment loans), collection agencies, tax liens, judgments, bankruptcy and inquiriesTrouble-shooting customer call disputes by listening to the consumer explain their issue(s), investigating the issue by calling the creditor and utilizing tools and resources to obtain and achieve resolutionFollow through on escalated issues to learn the appropriate solutions and expand overall knowledgeTrain newly hired associates and mentor less experienced Customer Service AssociatesExecuted my job skills listed above to the highest level of customer service, which led to capturing the attention of the top loan producer of the largest volume mortgage company we did business with, they offered me a Loan Coordinator position with their company and I accepted