Proactive, creative, and goal-oriented professional with over 9 years of progres

sive experience providing high quality support to various institutions. Expert i

n tackling the complex challenges of driving continuous improvement. Extensive b
ackground in administrative assistance, business process optimization, collabora
tion, interpersonal and corporate communications. Promotes working environment p
rocedures conducive to improving productivity, increasing efficiency, enhancing
quality, and strengthening favorable results. Excellent interpersonal skills and
able to communicate and collaborate effectively with co-workers at all levels.
CORE COMPETENCIES
Effective communication skills; Adept in public and customer relations, and liai
son.
Resourceful and well-organized; Skilled in activity planning and task management
.
Keen sense of responsibility; Solid professional standards. Excellent track reco
rd of dependability.
Technical Expertise; Citiscan, JED, Sharepoint, Citismart, AFS, Paralender, CMOS
, DLS, Diligenz, FIDS, Rhumba, Extra! X-treme, Mavent, Filenet, Mortgageserv, Lo
anquest, LPM, Pipeline 2000, CFI UAT 2000, Microsoft Word, Microsoft Excel, Mic
rosoft PowerPoint, Microsoft Access, Microsoft Project, RightFax Util.
Professional Affiliations Project Management Institute (PMI), Member since 2010
SKILLS AND PROFICIENCIES
Administrative Assistance
Loan Completion & Documentation
Records Update and Review
Business Process Optimization
Interpersonal & Corporate Communications
Quality Control
Collateral Review
PROFESSIONAL EXPERIENCES
Wholesale Loan Closer-Credit Specialist 3 2010 to Present
Citigroup, Citibank NA
Analyze and create wholesale mortgage loan closing documents in accordance with
company policy, credit systems, and federal regulations-RESPA,FIRREA, ADA, RFPA,
SOX, REG-W, REG-Z, TILA,GBLA, FCRA, FACTA. The loan document review and prepar
ation includes conventional loans, FHA/VA loans. Review loan applications, titl
e commitment, HUD - 1 Settlement statements, mortgage, homeowners and flood insu
rance, GFE, and other collateral documents. Review for operational risks by serv
ing as a screening process for issues impacting post-closing administration. Rev
iew/evaluate third party vendor documentation such as appraisals, environmental
reports, UCC and lien searches, flood search, tax return transcripts, etc. Ensur
e all fees, expenses, and wires are accounted for. Ensure all exceptions and out
standing items are identified. Work hand in hand with the title company, broker
s, loan processing, and underwriting to achieve and maintain all departmental cy
cle time, service, and volume standards.

Commercial Loan Closer 2008 to Present

Citigroup, Citibank NA
Analyze and create commercial real estate loan closing documents in accordance w
ith company policy and credit systems. The loan document review includes SBA lo
ans, CESA loans, term loans, letters of credit, and lines of credit. Review tit
le commitment, HUD - 1 Settlement statements, mortgage, homeowners and flood ins
urance, and other collateral documents. Review for operational risks by serving
as a screening process for issues impacting post-closing administration. Review/
evaluate third party vendor documentation such as appraisals, environmental repo
rts, UCC and lien searches, flood search, tax return transcripts, etc. Review ar
ticles and by-laws as well as partnership and LLC agreements. Ensure all fees a
nd expenses are accounted for. Daily reconciliation of wired funds and account r
eceivables including Citisweep, JED, and GL credits. Ensure all exceptions and o
utstanding items are identified. Work hand in hand with the title company, rela
tionship managers, and underwriting to achieve and maintain all departmental cyc
le time, service, and volume standards.
High Cost Tester 2006 to 2008
Citigroup, CitiMortgage
Ensure that mortgage loans are in compliance with anti-predatory lending laws ba
sed on state and federal lending guidelines-RESPA,FIRREA, ADA, RFPA, SOX, REG-W,
REG-Z, TILA,GBLA, FCRA, FACTA. Perform a detailed file review and automated-Ma
vent or manual mathematic calculation to verify the APR and High Cost Loan deter
minations. Create detailed reports of high cost loans for repurchasing. Corres
pond with the third party lenders, sales, and underwriting to missing or updated
documentation to prevent repurchasing of loans. Create daily high cost testing
reports for team members. Perform monthly RCSA testing for departmental complia
nce control.
QC Analyst II 2004 to 2006
Citigroup, CitiFinancial Mortgage
Conduct routing review of mortgage loans for compliance by applying company lend
ing guidelines, state and federal lending guidelines including High Cost loan an
d anti-predatory lending provisions, TILA and Regulation Z, RESPA, and Regulatio
n X, ECOA and Regulation B, FCRA and FACTA, Privacy Act/Gramm-Leach-Bliley Act,
PMI Act (Homeowner's Protection Act of 1998), Patriot Act, Flood Control Act. E
nsure loans meet the servicing requirements for FHA/HUD, Fannie Mae, Freddie Mac
, VA and USDA and investor requirements. Analyze the credit application, apprai
sal, collateral, legal documentation, disclosures, and credit reports for accura
cy. Review ownership and current seller's title. Determine validity and issuan
ce of social security numbers used by borrower. Reverification of borrower's em
ployment. Due diligence reporting to track responses from QC findings.

Collateral Specialist 2001 to 2004

Citigroup, CitiFinancial Mortgage
Reviewing, securing, managing and maintaining mortgage related documentation, en
suring minimal negative impact on internal and external customers. Review, inven
tory and reconcile defects with real estate collateral documents. Communicate wi
th 3rd parties regarding document resolution, including use of Bailee letters an
d follow up strategies. Utilize Microsoft Office products such as Access, Excel
and Word to order, distribute and return original mortgage files to and from th
ird party custodians/brokers. Manage document/file vault and monitor off-site cu
stodian performance, performing vault maintenance and audits. Review and create
legal and recordable real estate collateral documents with attention to detail a
nd data accuracy. Update procedures for processing collateral transactions. Crea
te and submit reports to clients and internal counterparts. Multi-task and prio
ritize several assigned functions, ensuring individual and department goals are
met. Handle multiple deadlines with accuracy and attention to detail.
Select Staff, Administrative Support 2000 to 2001
Allied Marketing, Associates-CitiFinancial
Performs a variety of Internet research functions and uses word processing, spre
adsheets and presentation software. Duties also include fielding telephone calls
, filing and data entry. Inputs information from underwriters, quality control a
nalyst, and the collateral department into a computer database May assist with o
verflow work from administrative and executive assistants, underwriters, quality
control analyst, and the collateral department. Performs basic clerical tasks.
Operates basic office equipment. Sorts and routes incoming materials.
EDUCATIONAL BACKGROUND
Devry University for BSBA * Currently Attending
REFERENCES: Available upon request