Resume Dec2014
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Melissa Grimsley has over 20 years of experience in the mortgage and title industries. She has held various roles including senior processor, team lead, compliance specialist, and escrow assistant. Her expertise includes processing different types of loans and reviewing title work and surveys to ensure accurate closing documents and clear title.
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Resume Dec2014
- 1. MELISSA GRIMSLEY C: 214-466-3197 mjg72.grimsley@yahoo.com Summary Diligent and driven mortgage professional with twenty years of experience dedicated to the mortgage and title industry. Taking on a various roles and responsiblities in all aspects of operations in both specialites helping me to to become an effective communicator and team leader while expanding my knowledge of the lending and title industries. Areas of Expertise & Industry System Knowledge • FHA VA USDA loan processing • Purchase, Refinance Construction and HELOC, • Manufactured Housing purchase and refinance • Construction Loans /Relocation and HUD REO Loans • Survey Review • Curative of Title All schedules • Closing document preparation and Settlement Statement Preparation • Calyx Point • Encompass • Data Trac • Blitz Docs Systems • Ramquest • Jet docs Experience: Guardian Mortgage Co Inc Plano Texas August 2014 - November 2014 Senior Processor Primary role was that of a junior underwriter reviewing automated desktop findings from FannieMae and Freddiemac insuring that all minimal conditions to meet minimum approval guidelines were obtained and in the file prior to sumbission to underwriting. Responsible for reviewing Titlework all schedules and surveys insuring all schedules were clear of any judgements,liens and all schedule B items matched existing survey. worked closely with the title companies to acquire documentation to prepare documents for recording if necessary to clear any issues. Cobalt Mortgage Company - Plano, Texas April 2013-September 2013 Senior Processor/ Team Lead Assisted senior-level credit officers with complex loans Ordered appraisals and preliminary title reports payoffs, insurance Complied with regulatory requirements including USA Patriot Act, Privacy Act, OFAC, HMDA, maintaining company standards. Analyzed financial information obtained from clients to determine strategies for meeting clients' financial objectives maintaining confidentiality of client information. Staffing Service- Dallas, Texas February 2012- March 2013 Senior Processor Calculated Income, and reviewed Investor guidelines to obtain an overlay conditions needed prior to funding. Adhereing to all federal and state compliance guidelines relative to retail mortgage lending.
- 2. Reviewed and Cleared all Title Schedule C issues and insured all other schedules were accurate. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers. Texas Lending.com Dallas, Texas January 2011- January 2012 Compliance & Closing Specialist Complied with regulatory requirements including Bank Secrecy Act, Anti-Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act. Prepared closing loan packages for all different loan types. Reviewed Settlement and funded loans after review of final notarized closing package was returned from title. Maintained confidentiality of bank records and client information. ViewPoint Bankers Mtg - Richardson, TX February 2009-Sept 2010 Compliance Specialist Reviewed files post underwriting to determine that all government disclosing procedures were correct. Reviewed loan documents and added any additional conditions that would be needed in order to insure the loans met investor guidelines. Reviewed title schedules to condition for any release of liens and insure proper vesting Richmond Title Services Plano, Texas May 2007- February 2009 Escrow Assistant /Curative Entered all new orders that came into the office daily. Reviewed all reports for accuracy and obtained any and all documentation needed to insure proper vesting prior to closing. Worked with the mortgage lenders and borrowers to insure timely and efficient closings. During Second Shift acting Escrow officer. FieldStone Mortgage Plano, Texas May 2003- April 2007 Senior Loan Processor Analyzed applicants' financial statements, credit and property evaluation to determine Stability of and borrowers willingness to repay. Reviewed and aquired all necessary documents from automated approvals from DU and LP goverment systems. CENTEX GROUP Dallas, TX September 1998 - May 2003 Senior Loan Processor & Escrow Assistant Worked closely with secondary to insure that any locked loans did not expire prior to funding. Also that any changes or extension needed were processed and the borrower's were disclosed to properly. Worked closely with borrowers to obtain all conditions needed in order to clear loans for closing. Commerce Title Escrow Assistant_Closer_Curative
- 3. Cleared title curative issues ordered surveys prepared hud 1 statements and closed and funded loans as needed. Calculated taxes for new construction purchases. Conducted loan closings when needed and any other area of the office that needed backup.