Responsible for meticulous and timely documentation and funding of real estate loans and lines of credit, serving as a crucial final checkpoint in the mortgage loan process, necessitating proactive identification and mitigation of potential deficiencies, adept navigation of pressure, and dedication to exceptional service delivery to members and business partners.• Maintain overall responsibility for loan files and documentation through Closing, Funding and Post-Closing.• Review, analyze, and evaluate loan files for completeness and alignment with credit union internal policies and procedures, as well as compliance with state, federal, and GSE lending parameters.• Review supporting documentation for first and second mortgage loans and lines of credit.• Prepare closing documents, ensuring they are complete, accurate, and in compliance with policies, procedures, and regulations.• Prepare, balance, and send Closing Disclosures (CDs,) redisclosures, and Post-Closing CDs. Possess a complete understanding of TRID regulations and tolerance cure criteria.• Communicate with all parties involved in the transaction, driving the process to an on-time closing.• Review signed closing documents, clear conditions, balance with escrow, and wire funds for closing.• Obtain recording confirmations, disburse loan funds, and balance the General Ledger• Obtain trailing items and assist with post-closing duties as needed.• Work well under pressure and with a sense of urgency in a deadline and production-driven environment.• Maintain satisfactory metrics surrounding turn/cycle times, production, and quality standards.• Demonstrate problem resolution and critical thinking skills. Make decisions within role-specific parameters, based on sound and valid information.• Effectively communicate with internal and external partners to ensure the highest degree of member service.• Research and resolve escalated or complex issues.

Advanced rapidly across increasing levels of oversight, earning final promotion to Senior Closer & Funder. In conjunction with multiple departments, use critical thinking and problem-solving skills to ensure files are closed within policy and procedure, while maintaining customer satisfaction. Concurrently manage multiple deadlines with excellent attention to detail with a commitment to accuracy and quality in a multitasking environment. Maintain overall focus on timely, accurate preparation of loan documents for closing, validation/balancing of the executed closing package to ensure on-time loan funding/disbursement of proceeds for the borrower, and delivering a best-in-class customer experience.• Perform comprehensive review and completion of loan file in preparation for closing by: (i) ensuring all underwriting conditions are cleared, (ii) confirming accuracy of loan data and key dates, especially compliance with TRID timelines, (iii) accurately entering final loan figures/details into LOS (i.e. fees, lender credits, pay-offs, impounds, property/title information) into LOS and (iv) confirming borrower has sufficient funds to close, as applicable.• Finalized and initiated loan funding by calculating final figures, consulting with the closing agent to balance the loan file, and submitting a request/release of funding wire.• Showcase extensive knowledge around Conventional, FHA, VA, USDA, construction, down payment assistance programs, and state assistance programs for WA/OR/CA/NV/ID.• Display expertise in banking policy and procedures to include TRID/RESPA & compliance regulations with the ability to explain them to others in a way they can understand and recall. • Earned the Operational Excellence Award for 2019 and 2020.• Created job aids and trained other staff members on these programs and the role of a Closer/Funder.

Provided administrative support, including reconciling invoices for the Home Lending Department. Performed monthly bank account reconciliation, ordered supplies, and offered front desk administration support to greet customers and answer phones. Led monthly audits related to vendor compliance with all bank policies and procedures.• Reviewed procedural documentation to develop new processes or streamline existing processes.• Monitored and approved trust agreements, trust closing and power of attorney documents, and escrow holdbacks.• Functioned as a liaison between vendors and vendor management committee to ensure that the needs of the bank were being met and service level agreements were maintained.

• Assist in final payroll commission review and prepares monthly reports for both recurring and one-time commission adjustments and entries. • Creates and reviews monthly branch expense detail reports. • Prepares appropriate journal entries and adjustments for financial reporting systems.• Performs various assigned bank account and general ledger account reconciliation, with thorough daily and weekly ledger review to assure accurate monthly P&L and balance sheet recognition for three-day close.

Complied, verified, and assisted with regular informational reports related to loan level profitability, financial statements, and payroll data. Computed, classified, recorded, and verified numerical data for use in maintaining accounting records; specifically records related to branch P&L Reports. Directed General Ledger contributions; including the review, reconciliation, and P&L tie-back of GL accounts, expense accounts and cost accounting relating to allocation of expenses. Assisted employees, managers, vendors, clients, and customers by answering questions related to commissions, profits, and expenses, as well as internal accounts, procedures, and services.

Managed vendor accounts, generate weekly on-demand checks, maintained excellent working relationships with vendors ensuring reliable on-time service. Collaborated with clients, A/R, and sales to increase the speed of receivables and prevent interruption of service to clients. Coordinated daily operations and managed office tasks such as correspondence, ordering office supplies, shipping, file management, and database administration. Maintained computer and fax machine equipment. Facilitated resolution of disputed invoices and collection of unpaid invoices. Coordinate the resolution of any billing and customer issues.