John Combs Email & Phone Number

Cincinnati, Ohio, United States

Centralized Disclosure Specialist - Senior. I perform all duties for retail and wholesale mortgage loans to ensure the bank remains compliant with TRID regulations; including preparing Initial Loan Estimates. Reviewing RETS conditions/fees to be disclosed. I review and prepare Change of Circumstances to be disclosed on the LE or Pre-CD, trained and mentored incoming co workers, audited files for coworkers to ensure a low fail rate. Very knowledgeable in Loan Level Pricing in regards to LTV, FICO and DTI. Have piloted many process changes in the department. I am a top performer on my team that enjoys helping others.

Cincinnati, Ohio

Cincinnati, Ohio

Cincinnati

• Analyzed sales requests and input requests into CDK system (SQT) to produce a sales contract that were presented to client via DocuSign• Used analytical thinking and paid close attention to detail• Logged contracts and keyed contracts to the appropriate job location site using the proper CMF (internal account) numbers and ASP (cloud server) box number to ensure the clients billing is correct, and to ensure the software can be installed to the proper location• Handled returns of products via PPA (Post Purchase Addendum) • Researched prior contracts for pricing, terms and refunds for drafting PPA's• Utilized Salesforce to remain in constant contact with the Sales Department to ensure a smooth purchase and installation of goods for the client, along with several other software applications (Microsoft office, Oracle, Vision) to complete daily task

Cincinnati

• Analyzed the Currency Transaction log to process the CTR for transactions over the threshold of 10,000.01• Reviewed WebKYC and Legacy for benefit and conductor information• Reviewed the teller tapes and other bank software’s for transaction history, file investigation referral form (IRF) for potential structuring• Researched and obtained information then input the conductor and benefit information into the ICTR software to be filed• Paid close attention to detail while working in a fast-paced environment

Remote

• Input information to coordinate Mortgage Loan Closing, review of credit reports, title commitment• Input figures into LQB software to complete and balance CD, coordinating with Title to ensure accurate closing documents are available for signing. • Ensured CD was disclosed 3 days prior to closing, followed through the closing until documents are signed.

Florence, Kentucky

I went through extensive Bankruptcy training learning the process cradle to grave; POC, MFR but specialize in the process of Reaffirmations. My ability to work at a fast pace with a minimal fail rate has made me a top performer on my team. I maintain a queue of roughly 300 accounts. Decipher if the account qualifies for the reaffirmation agreement. I generate the document and send it to the debtors attorney. While following guidelines internal and external, completing timely follow ups, receiving the signed reaffirmation agreement and reviewing for accuracy. When the reaffirmation is received. I ensure all required documents are prepared to be filed with the bankruptcy court redacting the: note, mortgage, loan modifications and merger documents. I utilize pacer and vendorscape on a daily basis to track the filing of the reaffirmation and communication with counsel. While handling my work load, it was requested that I would take on Quality Control for my peers. Producing at a high level with a non- existent fail rate is what I take most pride in. SAFE Registered/NMLS.

Request for final title policy corrections, contacting title companies, underwriters and county offices to obtain final title policies and recorded mortgages.

Cleared title issues from code liens, delinquent taxes and other clouds on title. Prepared title work for lenders including preliminary hud1, CPL, title commitments. Disbursed closing packages. Resource Title Agency, NA handled a high amount of REO properties, Attention to detail an absolute must.