Shamous Swift
Procurement Specialist
Spring Valley
Summary
Experienced mortgage professional skilled in preparing and reviewing Closing Disclosures and loan packages. Proficient in coordinating with title companies, verifying final figures, managing funding wires, and supporting Pre-Fund QC. Strong communicator with a focus on accuracy, timeliness, and smooth closings.
Overview
13
13
years of professional experience
1998
1998
years of post-secondary education
Work History
Procurement Specialist
The UPS Store
05.2023 - Current
- Negotiated vendor pricing and terms, achieving significant cost savings.
- Mediated disputes between vendors and franchisees, resolving issues effectively.
- Monitored vendor performance through detailed reviews, ensuring compliance with contracts.
- Identified systemic issues, driving operational improvements and efficiency gains.
Credit Analyst
National Funding
12.2022 - 05.2023
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Gathered loan documentation for underwriting.
Customer Service Representative
Lendmark Financial
10.2022 - 12.2022
- Resolved account collection issues through clear communication and effective problem-solving.
- Actively market all branch products and services to individuals.
- Maintained up-to-date knowledge of product and service changes.
Quality Control Analyst
Landed
02.2022 - 08.2022
- Conducted pre-funding and post-closing audits, ensuring loan compliance.
- Developed and implemented quality control policies, enhancing audit accuracy.
- Remedy post-closing issues or missing items through contact with closing agents.
- Review the final ALTA and Closing Disclosure and issue a Post Consummation Closing Disclosure if necessary.
Mortgage Loan Closer
American Pacific Mortgage Corporation
03.2021 - 02.2022
- Prepared accurate disclosures and coordinated loan closings with Settlement Agents.
- Reviewed and verified loan documents, ensuring regulatory compliance.
- Monitored and track all funding documentation to ensure that all necessary paperwork has been completed and received.
- Managed a high volume of loans simultaneously, prioritizing tasks efficiently to meet deadlines consistently.
Loan Closer
Freedom Mortgage Corporation
08.2020 - 03.2021
- Prepared closing figures and facilitated smooth funding transactions.
- Ensured compliance with regulations for various loan types (Conventional, USDA, VA, FHA).
- Accurately prepared disclosures in compliance with TRID, RESPA, and Investor policies, ensuring adherence to guidelines and regulatory timelines.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
Disclosure Specialist
Computershare Loan Services
01.2020 - 08.2020
- Verified and reviewed borrower documentation, ensuring compliance with TRID, RESPA, and investor policies.
- Assisted in reviewing Loan Estimates (LEs), Closing Disclosures (CDs), and loan conditions to maintain compliance.
- Reviewed title policies, insurance documents, and legal descriptions for underwriting compliance.
Loan Closer
Union Bank of California
02.2016 - 12.2019
- Reconciled fees, ensured compliance, and conducted Due Diligence reviews for TRID conditions.
- Closed a pipeline of 150 or more active loans.
- Ensured all critical dates within pipeline are met, including but not limited to closing dates and lock expiration dates.
- Coordinated scheduling of closing appointments with multiple parties involved, streamlining the entire loan closing process.
Home Loan Closer
Wells Fargo
06.2015 - 02.2016
- Prepare loan documents and ensure the closing package is complete, fees accurate, and fully compliant.
- Approve the closing agent’s settlement statement.
- Responsible for preparing and verifying final funding figures.
- Prepare wire request for funding and provide settlement agent with funding authorization.
Workout Specialist
Bank of America
07.2012 - 06.2015
- Reviewed and verified loan applications, calculating repayment ability.
- Assisted in delinquent loan reporting and foreclosure referrals, ensuring compliance.
- Requested and gather supporting documentation required to create complete loan workout packages within required timeframes that complied with CFPB guidelines.
Education
Diploma -
Helix High School
La Mesa, United StatesGrossmont College
El Cajon, CASkills
- Loan Origination Systems (LOS)
- Encompass
- Calyx Point
- Ellie Mae
- Microsoft Office Suite
- Excel
- Word
- Outlook
Technical Skills
Encompass, Calyx Point, Ellie Mae, Excel, Word, Outlook, TRID, RESPA, ECOA, HMDA, Non-QM, TPO, NDC
Timeline
Procurement Specialist
The UPS Store
05.2023 - Current
Credit Analyst
National Funding
12.2022 - 05.2023
Customer Service Representative
Lendmark Financial
10.2022 - 12.2022
Quality Control Analyst
Landed
02.2022 - 08.2022
Mortgage Loan Closer
American Pacific Mortgage Corporation
03.2021 - 02.2022
Loan Closer
Freedom Mortgage Corporation
08.2020 - 03.2021
Disclosure Specialist
Computershare Loan Services
01.2020 - 08.2020
Loan Closer
Union Bank of California
02.2016 - 12.2019
Home Loan Closer
Wells Fargo
06.2015 - 02.2016
Workout Specialist
Bank of America
07.2012 - 06.2015
Diploma -
Helix High School
Grossmont College
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