Ramon Ferguson-Walker Email & Phone Number

Boca Raton, Fl, Us

West Palm Beach, Florida Area

Responsible for all duties pertaining to the timely and accurate closing of home equity loans by coordinating closing with Title Companies and Attorneys, preparation of loan documents, performing quality control reviews on home equity software system(s) data and signed documents, funding and other tasks associated with closing loans.• Communicates and resolves, with the Home Equity Loan Consultant or Senior Underwriter, any outstanding loan application conditions that have not been cleared to allow a loan to go to settlement.• Effectively manages assigned loans to ensure accurate and timely closing.• Verifies that the data on the home equity software system(s) is consistent with the loan file, verifies accuracy of loan documents, disburses funds at or after settlement and completes the origination function by loading all loan terms on the home equity software system(s).• Works with co-workers as a team member in analyzing and solving situations that may arise in the closing process.• Reviews loan file and home equity software system(s) to determine and/or ensure that appropriate closing conditions are established.• Schedules, logs into home equity software system(s) and maintain final closing and funding dates.• Reviews loan file and mortgage software system(s) to insure loan terms and fees are accurate.• Based on specific loan transaction determine appropriate, prepare and ensure accuracy of closing documents and send closing documents to members for notary closing.• Verifies receipt of closing file from members.• Coordinates the transfer of loan files, forms and information to the Loan Services Department, which will service the loan for the time it is either on the books.• Responds to and/or resolve post-closing inquiries from Loan Services Department• Works on resolving problems with the Real Estate Lending team to enable loans to get to settlement in a timely and effective manner.

West Palm Beach, Florida Area

Ability to assemble, prepare and review critical closing documents for mortgage loans. If the mortgage loan is approved the loan closer works with the individual applying for the loan to walk them through all the necessary steps. Loan Closers coordinate the closing process with the settlement agent to ensure that all documents are correct and all terms of the loan are met.• Responsible for preparing all loan-closing documents, and ensuring that they are accurate in order to have a fully compliant mortgage loan.• Review all documents for any errors, and confirm that pricing and program are correct to insure loan will be funded.• Point of contact with attorneys, closing agents, and vendors to answer questions and resolve any issues. • Point of contact with title companies to gather all necessary information for accurate document preparation, and coordinate delivery of the documents before closing.• Responsible for reviewing all closing details to ensure compliance with state and federal regulations. Also makes sure that all terms of the loan are met. • Works with title companies on any outstanding closing conditions required to fund the loan.

West Palm Beach, Florida Area

Ability to meet production, quality and service standards with emphasis on delivering exquisite customer service. Efficiently manage pipeline of loan applications. Responsible for thoroughly reviewing customer applications. Assure that all customer files are complete and in compliance with regulatory agencies and internal policies.• Set up new loans in the system including generating credit reports• Prepare adverse action letters for cancelled loan files• Assist Underwriters with various request which may include ordering payoffs, credit supplements, etc.• Assist Processors in their daily functions• Set up new loan or update loan entries in automated systems within established timeframes; including pulling credit reports and sending out the appropriate pre-disclosures to the borrowers• Print out conditions on loan files and present the information to the appropriate individuals to have the conditions reviewed• Communicate with Loan Officers to obtain necessary loan conditions• Complete employment and residence certifications• Complete processor certifications

West Palm Beach, Florida Area

Supporting production managers day-to-day oversight to ensure critical service level milestones are achieved. Responsible for multiple site locations, pulling daily reporting and directly working with team leaders on non-negotiables. A fulfillment leader with an integral part in maintaining employee tables, pipeline and production analytics, loan assignment/re-assignment, and ad-hoc reporting. • Performs data analysis by using existing reporting systems and Microsoft excel to filter and compile data to enable the production managers to effectively manage their unit pipelines• Handles manual assignment and re-assignments of approved loans• Demonstrates proactive problem solving skills• Analyze data to identify production impediments or conflicts and develop corrective actions/processes immediately• Quickly understands the business issues and pipeline challenges of the unit and works with Team Leader to develop action plans to address• Identify areas of opportunity and efficiencies from a pipeline reporting perspective, for team members to close production and/or service level gaps• Request 3rd party services; such as appraisal, title, hazard, flood, payoff as well as follow for receipt

West Palm Beach, Florida Area

Assist loan processors with processing loans approved by an Underwriter or an automated decision system. Responsible for verifying borrower documents meeting company requirements. Resolve issues during the loan process and maintain excellent customer services rates. Support multiple Processors assisting them in performing tactical/administrative activities associated with the processing of mortgage loan applications. Responsible for following workflow prioritization for all activities assigned daily, insuring critical Service Level Agreements are met.• Manage all facets of loan process from application to closing.• Ensure all files are documented properly for completeness, accuracy and compliance.• Manages rate lock expirations for entire pipeline of loans.• Researches borrower scenarios with underwriters and guidelines.• Run electronic automated underwriting findings.• Order and follow up on credit reports, VVOE's, hazard insurance, appraisals and title requests.• Assist in coordinating closing date and time with all parties involved.• Act as communications liaison between Loan Officer, Loan Processor, Underwriter, Loan Closer & Title Company.• Prepare daily, weekly, and monthly reports on a timely basis.• Provide administrative and clerical support as needed.

West Palm Beach, Florida Area

Responsible for the subordination process, this includes performing a variety of loan documentation duties on open and closed ended 2nd mortgages, and making a credit decision based upon these documents. These duties require a comprehensive knowledge of the multiple aspects of the credit and lending industry, and the ability to analyze broad case by case scenarios.• Extend excellent customer service to internal and 3rd party clients.• Review, analyze and make final determination on subordination approvals • Work with team members to identify potential suggested solutions/exceptions to qualify a borrower for a subordination approval. • Remain up to date on program and investor guidelines.• Complete tasks as delegated by project leadership and additional duties as assigned. • Ability to absorb guideline changes and apply them immediately with minimal error rate. • Willingness to work on a special project when assigned.• Ability to decision files with a high level of accuracy in a high volume fast paced environment that's always changing.

Miami/Fort Lauderdale Area

Supported a portfolio of 400+ loans in default and imminent default. Processed routine transaction, documented loan history, responded to customer and 3rd party inquiries, researched and prepared documentation, and analyzed requests in accordance with established guidelines to determine appropriate courses of action. Completed loan modifications, document validation, Net Present value model running, second mortgage modifications, executing short sale/DIL or answering technical foreclosure questions, as well as exceeding responsibilities for identifying solutions that improve the account in a timely manner. • Uses computerized system for tracking, information gathering, and troubleshooting.• Assists customer relations managers with issues regarding customer accounts. • Retrieve notice of signed modification documents, ensure quality control review of documents and new loan terms, and submit modification update requests.• Ensure quality service and effective, efficient operational support for the assigned area's internal business partners and/or external clients. • Demonstrate a good working knowledge of the processes and procedures with the ability to identify and implement process improvement opportunities.

Certificate, Mortgage Loan Originator (Pre-License)

NMLS #996763 Mortgage Loan Originators, previously known as Mortgage Brokers, are the starting point for anyone seeking a bank loan to buy.

Diploma, Computer Business Systems | Computer Support Technician

Computer Business Systems is the transmission and storage of information, especially the development, installation, implementation.

Psychology

Psychology is the science that studies human behavior and mental processes. Psychologists use theory and research to observe, describe.