Christopher Sneed Email & Phone Number

Cleveland/Akron, Ohio Area

Richmond Heights, Ohio

Bedford, Oh

· Led a team of mortgage compliance specialists that reviewed loans for accuracy and compliance with regulations such as TRID, Dodd Frank, RESPA/TILA and High Cost.· Maintained knowledge of loan products and procedures to provide support to staff in resolving problem files and demanding situations.· Coordinated workflow and generates reports for QC, performance management and to ensure proper procedures are followed.· Applied data from various matrices to determine if loans met guidelines and criteria set forth by US Bank, HFA or investors.· Worked with Third-Party Lending Operations support staff to track purchase exceptions for loans not in compliance with US Bank guidelines, investor requirements, or federal regulations.· Prepared performance appraisals of auditors to determine work quality and where training was needed.· Instrumental in supporting HFA Operations to reduce cycle time from 60 days to 20 days.· Winner of a Bronze Shield Award for excellent internal customer service.

Bedford, Oh

· Received and purchased loans from third-party lenders for addition to US Bank portfolio.· Communicated with lenders, staff, et al. to resolve outstanding items necessary to obtain all required documentation and ensure complete and accurate loan file.· Point of contact for pooling and servicing staffs to resolve post-funding issues.· Excelled in quality and productivity completing 8 files daily.· Trained and QC'd all staff entering the Review Department.

Bedford, Oh

· Prepared mortgage loan files according to bank, regulatory and investor guidelines by gathering the necessary documents and information.· Ensured underwriting conditions were met prior to closing.· Created closing conditions and ensured they were met prior to funding.· Coordinated the closing and funding of assigned files.· Calculated final closing costs and disbursed loan funds.

Horsham, Pa

· Ensured underwriting conditions were met prior to closing.· Created closing conditions and ensured they were met prior to funding.· Calculated final closing costs, escrows, and disbursed loan funds.

Trevose, Pa

· Created closing conditions and ensured they were met prior to funding.· Communicated with lenders, clients, staff, brokers, title companies, attorneys’ offices, and HOI agencies to respond to inquiries, resolve problems, and obtain any additional documentation to complete loan file.· Closed NY CEMA and Texas Equity loans.· Rated title partners and other business affiliates.

Trevose

· Audited closed loan files to ensure all requirements met and documents properly signed prior to organizing, stacking, and shipping to warehouse.· Completed final calculations to determine if loan funded correctly.· Collaborated with Closer/Funder in any daily duties as required.

Trevose, Pa

· Received and verified complete and accurate loan applications.· Organized loan files for delivery to Underwriting and confirmed all required documentation in file.· Performed preliminary review of borrower credit, employment, income, and assets.· Ordered VOEs, VODs, title, appraisals, and other exhibits. Confirmed completeness, reviewed and filed invoices.· Point of contact for borrowers, Underwriting, Closing, and Sales.

Trevose, Pa

· Prepared files with completed applications for disclosure and delivery to borrower.· Entered data into loan system and requested clarification from Loan Officer on any discrepancies found.· Completed HMDA reporting logs and prepared Adverse Action notices.