Nissi Meza Perez
Costa Mesa
Summary
Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
14
14
years of professional experience
Work History
Disclosure Desk Specialist
Secure One Capital
Costa Mesa
01.2021 - 03.2022
- Responsible for providing disclosure support services compliant with TILA/RESPA Integrated Disclosure regulations, State and Federal regulations, and the company policies and procedures.
- Receives information necessitating disclosure of company and/or required regulatory disclosures (including the initial and subsequent disclosure of the Loan Estimate and the issuance of the initial Closing Disclosure)
- Reviews and interprets information received to determine which disclosures are required to be provided effectively
- Reviews change requests and determine if they are a bona fide Change in Circumstance
- Completes the disclosures as required based on the information received as well as through practical understanding of the mortgage loan process and regulatory requirements, updates information within the Loan Origination System
- Verifies accuracy of fees and ensures they are in the correct areas of the Loan Estimate and Closing Disclosure to mitigate TRID and RESPA violations
- Collaborates and communicates effectively with the Production and Operations teams (Mortgage Loan Originators, Loan Agents, Processing, and Closing staff, as well as other personnel as applicable) to confirm the disclosures are appropriate
- Provides accurate and appropriate disclosures to customers within pre-determined timelines according to company policy/procedure and regulatory requirements
- Updating Encompass as well as other systems (as required) to effectively notify appropriate parties that disclosures have been provided to the borrowers
- Reviews reports and dashboards within Encompass to confirm all disclosures are processed timely
- Upholds the company policies and procedures and champions organizational culture both internally and externally
- Provides a high level of customer service and provides quick and accurate responses while multi-tasking
- Continually enhances product knowledge concerning the company and secondary market guidelines and compliance regulations, including but not limited to Fair Lending, Reg B (ECOA), Reg C (HMDA), Reg Z (TIL), Reg X, RESPA, MDIA, FCRA, and TRID
- Conducted periodic audits of internal systems used for tracking and issuing disclosure documents.
- Performed quality control checks to ensure accuracy of all disclosures issued to customers.
- Monitored daily workflow volume levels and adjusted staffing resources as necessary.
- Ensured compliance with federal, state, and local laws regarding disclosure document requirements.
- Communicated effectively with team members to coordinate efforts when resolving complex issues.
- Responded promptly to emails, phone calls, and other inquiries from customers regarding their accounts.
- Completed data entry for all new accounts, including updating account information in the system.
Trailing Docs Specialist
OGI Mortgage Bankers
01.2016 - 01.2021
- Responsible for reviewing closing packages for shipment to Warehouse Banks, Investors, and/or Services.
- Manage timely delivery of collateral packages from Funding to Post Closing, track outstanding packages, Create and maintains reports in Excel.
- Responsible for Scanning and indexing documents, processing incoming mail, trailing documents, reviewing final mortgage documents for completeness and accuracy, and verifying and inputting loan information accurately in loan and document systems.
- I Communicate with, Processors, Escrow Officers, Internal Business Units, and Settlement Agents to retrieve and/or correct documents in a timely manner.
- I also Reviewed final title policies to ensure they are free from liens, judgments, and vesting is correct and collected and reviewed Final ALTAS settlement statements for accuracy and completeness.
- I was also responsible for maintaining a thorough knowledge of company and regulatory changes that affect the post-closing process and performing other related duties and special projects assigned by the manager to meet production and quality standards consistently.
HMDA/NOA specialist/Compliance Assistant
Freedom Direct Lending Group
01.2012 - 01.2016
- HMDA Data Integrity Specialist's essential responsibilities include;
- Performs validation testing of all HMDA data points to ensure that the HMDA-LAR is complete and accurate
- Collaborates with others for Control Testing to identify potential inaccuracies in the HDMA data
- Conducts loan level reviews to ensure HMDA Data is completed and accurate Identify trends in HMDA Data Integrity
- Correct errors within the HMDA Data points of each loan
- Responsible for Cancelation of Loans process Daily Completion of N.O.A. letters to Borrowers, assist with Q.C. Post Closing audits, and other Compliance duties as assigned.
Cashier, Money handling
Disneyland
01.2008 - 01.2012
- Responsible for inventory holding a B.O.H title (back of house)
- Hotel package delivery, hat writing
- Stroller and E.C.V./Wheelchair distributor
- Cashier offsite property store
- Responsible for special events guest control
- Regular guest control
- Obtaining a Fairy Godmother in training role styling hair and giving a princess transformation and excellent customer service
Education
Financial Business Degree Certification - Business Administration and Management
UEI College
Fullerton, CaMedical Assistant Diploma - Nursing
American Career College
Anaheim, CAOffice Business Clerical Certification - Office administration
ROP Center
Orange, CAHigh School Diploma -
Orange High School
Orange, CASkills
- Encompass
- Calyx Point
- MERS
- QuestSoft
- Comergence
- DocMagic
- Metasourse
- Multitask oriented
- Great people skills
- Excellent problem solving
- Interpersonal skills
- Energetic
- Professional
- Customer Oriented
- Teachable
- Bilingual English and Spanish
- Disclosure compliance
- Document management
- Customer service
- Team collaboration
- Attention to detail
- Process improvement
- Microsoft Excel
- Workflow management
- Effective communication
- Time management
- Meticulous attention
- Detail-oriented
- Escalation handling
- Document review
- Data privacy
- Legal research
- Audit reporting
- Report compliance issues
- Multitasking
- Teamwork and collaboration
- Adaptability and flexibility
- Professional demeanor
Timeline
Disclosure Desk Specialist
Secure One Capital
01.2021 - 03.2022
Trailing Docs Specialist
OGI Mortgage Bankers
01.2016 - 01.2021
HMDA/NOA specialist/Compliance Assistant
Freedom Direct Lending Group
01.2012 - 01.2016
Cashier, Money handling
Disneyland
01.2008 - 01.2012
Financial Business Degree Certification - Business Administration and Management
UEI College
Medical Assistant Diploma - Nursing
American Career College
Office Business Clerical Certification - Office administration
ROP Center
High School Diploma -
Orange High School