Karen Stratton

Experience

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  Hamilton Group Funding, Inc.

  Feb 2010 - Aug 2015

  Mortgage Loan Processor

  Pre-Closer • Reviewed title commitment for accuracy, ordered and reviewed hazard / flood insurance policies and surveys • Reviewed public records of subject property• Verified all employment prior to closingJr. Loan Processor• Opened new loan files and performed quality control on all loan disclosures by reviewing and perfecting documentation• Ordered out appraisals, tax transcripts, title docs, surveys, employment verifications, hazard and flood insurance, public records i.e. property ownership, taxes, deeds, etc. Sr. Compliance Review Analyst (Corporate Office)• Reviewed all loan documents per RESPA and TILA guidelines to ensure loans were in compliance i.e., loan application, GFE, TIL, and all initial disclosures• Pulled and uploaded Fraud Manager reports, Flood Certs, and Loan Officer NMLS licenses• Verified SSN on all borrowers, reviewed public records when warranted, and reviewed file for accuracy Show less

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  CenterState Bank

  Aug 2015 - Nov 2015

  Residential Loan Closer & Post Closer

  • Reviewed approved mortgage loans to determine conditions that must be met prior to closing and funding• Prepared mortgage loan closing packages and sent out to the title company for closing of the loan. Wired funds to title co.• Received executed closed loan package back from the title company and post-closed the loan• Followed up with closed loan trailing documentation as part of the post-closing process• Scanned and uploaded the file to the appropriate investor Show less

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  Hamilton Group Funding - Branch office of Coast 2 Coast Lending

  May 2016 - Sept 2017

  Pre-Closer & Jr. Processor

  Pre-Closer • Reviewed all title docs for accuracy, ordered and reviewed hazard / flood insurance / master policies and surveys • Reviewed public records of subject property• Verified all employment prior to closingJr. Loan Processor• Opened new loan files and performed quality control on all loan disclosures by reviewing and perfecting documentation• Ordered out appraisals, tax transcripts, title docs, surveys, employment verifications, hazard and flood insurance, public records i.e. property ownership, taxes, deeds, etc. Show less

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  Looking for a job in the Mortgage Industry or with a Title Agency

  Sept 2017 - now

  Currently seeking new oportunities hopefully in the Operations end. NMLS # 364630

  More than 20 quality years of experience in the Mortgage/Finance industry, Banking and Sales. • Ability to achieve the goals of the company without compromising ethical obligations to the customer or business. • Extensive experience reviewing and verifying initial 1003 and disclosures, income/employment, assets, credit reports, appraisals, title policies, insurance policies, settlement statements, etc.• Computer literate – substantial experience with various software programs to include: Encompass, Point, Mortgageware’s Interlinq, Microsoft Word, Excel, Access, Desktop Underwriter (DU & DO), BPS assignment recording and tracking systems. Show less