As a Closing Team Lead my responsibilities were; to provide overall direction to a processing team to ensure maximum customer service, appropriate control and to achieve the bank’s strategic business objectives in an efficient and effective manner. Review and monitor bank policies and procedures to ensure compliance with federal and state banking regulations. Exercised usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, and terminations. Represented the bank in business development and community activities.

Prepare Real Estate Closing Packages work closely with Mortgage Loan Officers, Processors and Closing Agents in scheduling closings with Borrowers. Prepare all final closing documentation and verifying all information in computer system program. Review, revise, and approve Closing Disclosures. Prepare own wires and verify other closer’s wires through WireLink program. Review and approve funding requirements, upload require documents into Blitzdocs program.2008 - 2010 – BBVA Compass f/k/a Laredo National Bank, International Closer/FunderResponsible for reviewing “escrituras” (deeds), which were in Spanish, prepared closing package to e-mail to Bancomer representative for closing. Reviewed required documents for funding authorization, prepared wires, deposits to Bancomer Insurance and origination fees deposited to Compass and Hipotecaria, mailed copies of borrower’s documents, prepared the file and prepared required General Ledger Tickets for post-closing (for Bi-National Loans).2002 – 2008 – Laredo National Bank, Real Estate Closer Responsible for reviewing files, coordinated closing dates with closing agent and borrower, prepared closing instructions, requested legal documents from bank’s attorney, prepared completed closing package and overnighted to closing agent or if local sent through runner. Reviewed, revised and approved HUD-1. Once approved, prepared Final Truth In Lending.

Work hand in hand with Insurance Agents and taxing entities in order to pay insurance premiums and taxes from borrower’s escrow accounts. Analyzed customer’s escrow accounts to determine if they were due a refund or had a shortage. Prepared checks from computer software program to pay different insurance companies, taxing entities and/or customer. Prepared General Ledger tickets that had to balance against checks. Dealt with external and internal customers.

Manually prepared checks to pay different insurance companies, taxing entities and/or customer from customer’s escrow account. Analyzed customer’s escrow accounts to determine if their escrow payments would increase, decrease or were due a refund. Serviced mortgage loan files, replied to credit inquiries, and released collateral. Dealt with external and internal customers.

From May 1985 through August 1996 held different positions at Wells Fargo Bank, which was formerly known as The Union National Bank, will start with last position held.Teller - Cashed checks, accepted loan payments, prepared money orders, cashier’s checks, sold U.S. Savings BondsBookkeeping Clerk - Dealt mostly with external customers who called in for balances, stop payments, if checks had cleared. Manually separated checks as they came in and at end of the month prepared monthly statement and got them ready to be mailed out. Finance Clerk - Balanced different General Ledger accounts, including tellers cash report, prepared weekly reportsCredit and Escrow Clerk - Serviced Commercial and Mortgage Loan files, kept Collateral Tickler System up to date, determined if all auto loans had required insurance coverage, replied to credit inquiries, balanced life insurance premiums, released collateral, disbursed payment of taxes and Hazard/fire insurance premium payments, and analyzed escrow accounts.Commercial and Real Estate Clerk/Back-Up Teller - Manually entered and disbursed new loans and loan payments given during the day into computer system, balanced payments and ran General Ledger tickets. Prepared end of the month reports for Board Members meeting. Organized and maintained loan/note files.