Christopher Lindley Email & Phone Number

Sacramento, California, United States

Organize and prioritize executed documents/loans for funding process and review signed/executed documents for accuracy and consistency. Release loan funds Fund according to credit union/agency policy and procedures. Prepare final Closing Disclosure in accordance with regulatory requirements. Monitor and resolve any quality control issues on relevant loan files. Provide training and mentoring to new team members.

United States

Issued Closing Disclosure and prepared final closing documents for conventional and jumbo first mortgage loans. Collaborated with closing agents on closing costs and funding wire amounts. Audited executed closing documents for complete signatures and cleared prior to funding conditions. Closed and funded $11.9 million in first mortgages within first 30 days of employment. Closed and funded $19 million year to date in 2021.

Collaborated with loan officers, processors and settlement agents to finalize closing costs and to issue Closing Disclosures on conventional and jumbo mortgage products. Prepared and released hybrid e-close document packages to settlement agents for signing. Reviewed signed documents for required signatures and submitted wire requests to Treasury department for approval and release to title companies for final funding.

Sacramento, California Area

•Audit signed first and second mortgage documents for accuracy and completeness•Initiate wire transfers to third party business partners for first mortgage loan proceeds•Review wire transfers entered by other personnel for accuracy and/or errors•Reconcile final closing cost calculations with title company business partners and release final closing disclosures to credit union members •Partner with internal and external business partners to acquire missing documentation or correct document deficiencies

Sacramento, California

•Prepare and deliver loan estimate disclosures for first mortgage and home equity applications in accordance with service level agreements and federally mandated timeframes •Analyze requests for revised loan estimates for validity •Perform data entry in all appropriate systems regarding problem resolution or complaints•Review data input from other personnel for accuracy and/or errors•Draft and mail adverse action correspondence to credit union members within regulatory timeframes•Audit borrower demographic data and loan purpose information data for accuracy•Provide basic problem resolution to internal customers and credit union members experiencing difficulty with electronic signing of loan disclosures

Rancho Cordova, Ca

•Prepare closing disclosures and documents for conventional and FHA purchase, new construction and refinance mortgage transactions •Review signed documents to ensure regulatory compliance and process wire transfers of first mortgage funds to settlement agents•Extensively interact with customers in response to questions and concerns regarding closing costs and requirements•Reconcile and balance accounting entries in loan origination system with closing costs calculated by title companies and attorneys•Received an average loyal rating on 85.71% of all customer surveys received in 2017, resulting in selection for 2017 Service Conference•Funded $107.7 million in conventional and FHA purchase and refinance loans in 2017 and $78.3 million year to date in 2018•Delivered 94% of all closing disclosures year to date in 2018 to customers within 3 day service level agreement•Effective partnership with cross-functional stakeholders yielded Service Excellence awards in 2016, 2017 and 2018•Successfully manage complex file caseloads which often exceed 70-100 files

Rancho Cordova, Ca

•Processed applications for home equity lines of credit •Made welcome call to customers to verify loan details, request additional documentation if needed and set customer expectations for document delivery •Responded to customer inquiries and complaints concerning file status and documentation requirements•Reviewed documents retrieved against documents requested analyzing for accuracy and/or errors•Analyzed customer income and credit data to validate accuracy of income stated on application and to determine debt to income ratios.

Rancho Cordova, Ca

•Prepared closing documents for conventional, FHA, new construction purchase and refinance transactions•Reviewed signed documents for accuracy and adherence to loan approval stipulations and investor guidelines•Reconcile and balance accounting entries in internal database to calculations provided by settlement agents •Performed compliance audits to ensure loans are closed in compliance with regulatory requirements. •Partnered with underwriting, sales and business partners to resolve routine issues preventing timely completion of mortgage transactions. •Corresponded with third parties to obtain evidence of insurance, verification of employment, and preliminary title reports.

Carmichael, Ca

•Performed quality control audits of closed loans to evaluate effectiveness of internal controls of third-party vendors and to determine compliance with Federal, State and local recording requirements, and secondary market investor standards. •Documented findings for items posing potential operational or reputational risk; tracked trends and facilitated discussions between senior management and company vendors to resolve disputed audit findings. •Generated weekly and monthly audit finding reports. Proofread audit comments for accuracy and professional content.•Collaboration with senior management, company vendors and legal counsel yielded a significant increase in the accuracy of recordable documents and decrease in document recording turnaround time. •Promoted to Assistant Vice President in the second quarter of 2013 for contributions made towards the implementation of an audit of title and closing services performed by third-party vendors. •Engaged third-party vendors and internal business partners to decrease routine fee overcharges to customers by $39,000 at the end of fourth quarter 2013.

•Audited signed loan documents to verify compliance with state and federal regulations, county recording requirements and company policy; corresponded with loan processing and sales personnel to resolve document execution errors and ensure timely disbursement of loan proceeds; reviewed Hud-1 balance sheets to validate accuracy of payoff calculations and loan settlement charges.•Achieved 100% accuracy rating in the 2nd quarter and 3rd quarter of 2008.