Stephen Brophy Email & Phone Number

563Main Street East Greenwich, Ri 02818

Retail mortgage and Consumer loans.

14 High Street Westerly Ri 02891

Mortgage Loan Officer with Semper Home Loans. Offering Concierge service to my clients and their Realtors from inception to Post closing. My most recent experience includes 7 years in Retail Mortgage Lending with an additional 7 years as a Licensed Realtor covering Southern Rhode Island. This has given me the unique prospective of having experienced the loan process from the vantage point of a Realtor, a Mortgage Lender and the Home Buyer. I am an accomplished, results-focused professional with proven experience in all phases of the Home Mortgage experience. I place heavy Emphasis on communications and understanding between all involved parties. My mission is to facilitate a smooth and stress free transaction and to forge productive relationships with colleagues and customers.

23 Broad Street, Westerly Ri 02891

Retail Mortgage Lending - Closing Review and approval of final documentation and mortgage-closing packages for conventional and government loans. I.E. reviewing of loan files, title reports, deeds and title commitments with emphasis on document details including data analysis, validations, data completion and accuracy to ensure compliance with Lender and TRID guidelines. Corrected errors and confirmed accurate funding, lien payoffs, and final mortgage recording by working closely with attorneys, loan officers, vendors and other departments. Reconciliation of Reg E / Reg Z CD / HUD 1 settlement statements assuring compliance with lender and government regulations. Maintained the highest level of quality while reducing financial risk. Mortgage Loan Officer Assistant - Mortgage Production PartnerAssisted Mortgage Loan Officers, Underwriters, Secondary Market, Closing and Post Closing Departments in the Origination, Processing, Underwriting and Closing of Retail Mortgage Loans. Responsibilities include Communications with Attorney’s, Appraisers, Insurance Companies, Realtors, Customers and Employers in a considerate, tactful and professional manner while utilizing all available tools to provide the best Customer Service possible while resolving all issues effectively. Other responsibilities include Review and Approval of Attorney Documentation submitted to The Washington Trust Company for Attorney Approvals. This requires my review of Insurance

Responsible for utilizing software and hardware systems to enter loan data in Lending Operating Systems. Other responsibilities include: analyzing and verifying Credit Reports, Titles, Purchase and Sales contracts, Appraisals, Flood Certification reports, as well as all documentation required for loan submissions. Analysis and calculation of personal financial information and pre-underwriting of files prior to submission. Verification that loan files are accurate and complete. Effectively maintain Real Estate Processing logs and adhere to policies, procedures, laws and regulations. Analyze and recommend loans to be held in Portfolio and Commit loans to Investors. Clear Approval conditions and originate Approval and Commitment letters for signatures. Prepare and send Adverse Action notices when applicable.RBS

Providenc Ri

Represent the face of the bank to the public.Handle customer problems and needs, including account reviews and investment direction, while adhering to bank policies and procedures.Open IRAs, CDs, 401k, money market accounts as well as demand deposit and investments.Process and close on loans and home equity lines of credit.Administer safety deposit protocols and fraud and identity verification detection procedures.Actively promotes and cross sells bank products.

Investigates, resolves, and documents trust, tax issues, encumbrances, and income verification.Convey in detail all issues to customers and branches.Resolves problems with attorneys and appraisers concerning title and appraisal issues. Ensures adherence to state and federal regulations.Emphasis on good customer service and satisfaction.

Charlestown, Ri

Multi-million dollar seller. Perfect customer service rating.

Mystic, Ct

Supervisor –Visitor Member ServicesResponsible for staff of up to 35 individuals, including training, reviews, scheduling & procedures. Other responsibilities include budgeting, emergency facility evacuation, accidents, and disruptive visitor situations. Cross-trained as Night Functions Coordinator. Have broad knowledge of perimeter security and alarm systems.