Construction Draws -process monthly advances for multiple multi-family projects. Research and reporting to provide data for research projects for Multifamily Housing department. Insurance review and approval to ensure compliance. Assist in preparing and presenting training for internal and external participants. Initiate data integrity review projects. Administer Affirmative Action and Very Low Income Employment policy reporting and compliance.

Responsible for processing Construction Draws for specialty loan product (fix and flip); with review of budgets, inspection reports, title search and insurance documentation. Prepare, review and approve Pay Off Letters with oversight of payoff team to ensure accurate and timely preparation and delivery of payoff demands. Developed Draw Specialist training module. Train new team members on Draws and Payoff processes. Cross training of mortgage loan originators to understand post-closing draw processes to improve documentation in the originations process; thereby providing borrowers a more streamlined draw process experience throughout the life of their loan. Liaison borrowers to Servicing, Collections/Default, or Originations teams as appropriate for assistance with ACH payments, loan extensions or modifications, payment workouts, refinances, etc.

Submission Processor*Responsibility is to accurately move the Streamline loan file from Loan Setup/Processing to Clear to Close status; full documentation loans to Approval status.*Constant communication with the Loan Officers, Title/Settlement Agent, operations staff with excellent followup practices.*Clear understanding of FHA, VA, USDA & Conventional Product knowledge and guidelines.*Perform tasks in accordance with all company guidelines and applicable federal, state and local regulations.Former Loan Setup Specialist Processes high volume of borrower documentation & disclosures; labeling & properly categorizing to Encompass 360 system.Reviews borrower authorizations & disclosures for signatures, dates & accuracyReviews purchase contracts for key dates, terms, and irregularities.Orders documents for FHA/VA/USDA & conventional loan products including FHA/VA case numbers, CAIVRS, appraisals, title work/CPL, VOE, VOD, VOM, SSA Verifications, Fraud checks, Flood Certification, Evidence of Insurance, payoff statements, VA COE, tax transcripts.Reviews all documents received for accuracy.Uploads items to e-folder, along with any notes from the review including outstanding documents and disclosures, missing signatures, etc.Follows up on ordered items to ensure received in a timely mannerEnter all actions in the conversation logFormer Disclosure Specialist Supports Loan Officers & Loan Processors to ensure timely, accurate distribution of initial disclosures and re-disclosures in compliance with Federal and State regulations.Review the Initial 1003 for completenessMonitor & manage pipeline to ensure disclosures are sent in a timely manner; track receipt by borrower(s)Examine disclosures for accuracy and completeness of fees for Loan Estimate and Closing Disclosure and compliance with regulatory requirements.Encompass 360 LOS

Loan Document Specialist, loan processing assistant, facilitating acquisition and management of loan documentation; directly assisting six loan processors and regional manager. Order and obtain VOEs, title documents; review for completeness and accuracy. Review and verify homeowners' and flood insurance documentation for proper coverage and terms according to processors' guidelines. Labeling of documents for electronic loan file; matching appropriate documentation with pertinent underwriter requirements for the loan processors. Assist regional manager with daily Excel based reports and special projects.

Loan Servicing: Manage and report on assigned accounts using strong organizational and accuracy skills with the ability to prioritize tasks. Field incoming customer calls for escrow matters (tax, insurance, PMI) and payments; follow-up as needed to provide excellent customer service experiences for borrowers.Make outgoing collection and follow-up calls and/or correspondence in a fast paced, goal-oriented call center work environment. Assist customers needing arranged payment plans or loss mitigation options; refer as necessary. Complete Servicing/Welcome calls to borrowers with new loans.

Full service residential real estate office - Ready to assist in purchase, sale, or rental of single family homes, condominiums, multi-family properties and/or land. Extensive experience with foreclosures, REO, short sales, estates and probate, HUD homes, loan modification assistance, mobile notary service. Condominium association management and other property management assistance is available. Notary Public.

Mortgage Assistant, Loan Servicing DepartmentTemporary position as bank transitioned to off-site vendors following merger. Familiarity with standard loan closing documents including Notes, security instruments, title policies, insurance declarations, and mortgage Release documents was required. • ESCROW: Reconcile PMI and tax bills to core system and process monthly escrow disbursements including all taxes and private mortgage insurance premiums. Assist with processing monthly insurance fee disbursements. Perform tax research on escalated loan level issues/concerns received. Assist with yearly escrow analysis of approximately 8000 mortgage accounts using established software platform, including processing of payment adjustments and communication with homeowner. Set up new escrows as needed. • Partner with outside service vendors to ensure accuracy of property information and timeliness of payments. Process insurance declaration pages and cancellation notices to outside vendor.• ACH/AFT due date changes, add, modify and/or cancel automatic loan payment transfers.• PAYOFFS: Locate loan Notes in complex filing system (due to multiple bank mergers). Prepare and process mortgage Releases for paid off mortgage Notes. Send documents for recording with town/county offices. Complete collateral tracking in core system.• NEW LOAN BOARDING: Complete loan level, field to field, data review for newly boarded mortgage loans for accuracy. Maintain email record of input corrections notification to loan boarding specialists. Update document tracking spreadsheet daily.• OTHER RESPONSIBILITIES: Departmental mail distribution. Resolve misdirected and unidentifiable mail pieces to correct departments. Complete Verification of account information when requested. Assist with subordination requests. Answer customer calls and resolve customer requests regarding tax questions, payoff letters and ACH/AFT transactions with superior customer service and follow-up.

Worked in both the Windsor office and the Enfield (satellite office) until both these offices were purchased by Prudential Connecticut Realty in 1991