Michelle DaCosta
Chicago
Summary
Extensive experience in the mortgage industry, with expertise in closing, CD and document drawing, correspondent purchases, and post-closing processes. Proficient in managing various mortgage types including Conventional, FHA, VA, HELOC, and reverse mortgages. Strong knowledge of TRID guidelines and skilled in software such as Encompass 360, Empower, and Docmagic to improve operational efficiency. Proven ability to work independently and effectively in remote environments.
Overview
11
11
years of professional experience
Work History
Customer Service Representative
Boston Scientific
Valencia
12.2023 - Current
- Provide service to patients with implanted neuromodulation devices within a high-volume call center setting.
- Collaborate within the Neuromod department to promote effective patient engagement and support.
- Identify and resolve patient-reported technical problems with medical devices to ensure proper functionality.
- Manage patient supply orders, and process warranty extensions for medical devices.
- In addition to troubleshooting, I provide education and reassurance to patients on the proper use of their medical device equipment.
- Ensure daily compliance with all HIPAA privacy and security standards.
- Act as a liaison between the patient and company representatives.
- Provide MRI safety conditions to physicians, imaging facilities, and patients.
- Document patient complaints in Salesforce for FDA review and compliance.
- Help other departments with clerical and data entry work.
- Recognized for outstanding patience, compassion, and ability to support others with empathy.
- Demonstrated strong communication skills when collaborating with clinical specialists, management, and team members.
- Appointed by management to a collaborative team called the Culture Crew, to review and enhance company documentation, and identify opportunities to streamline and improve work processes.
Sr Funder/ Closer / Doc Drawer
Paramount Residential Mortgage Group
Irvine
07.2019 - 09.2022
- Understood and followed all closing procedures to comply with all federal and state requirements.
- Prepared and issued initial Closing Disclosures (CDs) across wholesale and retail lending channels.
- Generate Change of Circumstance (COC) Closing Disclosures (CDs) for required loan updates.
- Coordinate with brokers, processors, account managers, and escrow/title officers to ensure smooth loan processing from start to finish.
- Generate accurate loan documents for wholesale and retail transactions, in compliance with company policies and regulatory requirements.
- Review loan documents to ensure they meet regulatory and compliance requirements.
- Prepare accurate figures for monthly payments, escrows, wire amounts, etc. Balance with escrow/title, and make any necessary changes to ALTA.
- Ensure all PTF conditions are satisfied, process wire transfers to escrow/title attorneys, and manage funding and loan closure in compliance with internal and regulatory standards.
- Work with post-closing to identify, troubleshoot, and resolve any issues to ensure smooth loan finalization.
Sr. Funder/Correspondent Purchaser
Impac
Irvine
05.2018 - 07.2019
- Full knowledge of TRID guidelines.
- Draw loan documents and fund retail VA, FHA, and conventional loans.
- Wired funds on various warehouse lines.
- I corresponded with the escrow and loan processor in order to balance and process the loan to completion.
- Sign off on PTF conditions.
- Prepare the final CD, and clear any post-closing conditions that may arise.
- My last year at Impac, I was moved to a correspondent purchaser. I would purchase loans from smaller originators (correspondent lenders) after they are closed, but before they are sold into the secondary market.
- Received approval from underwriting.
- Ensure that Closing Disclosures (CDs) and other regulatory documentation are accurate and compliant.
- Review pay history, notes, LE's, PCCD's, and loan docs.
- Audit funded loans and any pertinent loan documentation.
- I worked with sellers to clear conditions.
- Once the loan is clear to purchase, I accurately complete the purchase advice.
- Cleared loans off warehouse lines in a timely manner.
Sr. Funder / Correspondent Purchaser
First Direct Lending
Irvine
09.2016 - 05.2018
- Maintain strict adherence to TRID guidelines in preparing and reviewing loan documentation and disclosures.
- Prepare and send out loan documents to escrow and/or attorney states.
- Audit loan documents that come back for review and send conditions list out.
- Review and sign off on PTF conditions.
- Collaborated with escrow and loan processors to balance and finalize loans.
- Initiated and managed wire transfers across various warehouse lines.
- Prepare the final CD, and clear any post-closing conditions that may arise.
- As a correspondent purchaser, I purchased closed loans from correspondent lenders.
- Review funded loans and send the seller a conditions list.
- Work to clear conditions.
- Once clear, I balanced and sent purchase advice out.
- Cleared funded loan off warehouse line as quickly and efficiently as possible.
Sr. Funder
American Advisors Group
Orange
10.2014 - 02.2016
- Fund, on average, 112 loans per month.
- Review all loan documents for signing errors and accuracy.
- Communicate with the loan officer, processors, title, and escrow officers about all outstanding conditions, and keep them updated throughout the closing process.
- Ensures all PTF conditions are in, signed off, and resolves any pre-funding problems.
- Review and approve the settlement statement from the closing agent.
- Fund Wet and Dry State loans.
- Request a funding wire from the warehouse bank.
- Submit a completed file to Post Closing, and follow up with any post-closing issues that may arise.
Education
Certificate in Sonography -
American Career College
Ontario, CA2009
High School Diploma -
La Habra High School Graduate
La Habra, CA1992
Skills
- Complex problem-solving
- Customer service excellence
- Time management
- Critical thinking
- File organization
- Adaptability
- Team collaboration
- Accountability
- Effective communication
- Organizational skills
- Attention to detail
- Multi-tasking ability
- Positive mindset
Timeline
Customer Service Representative
Boston Scientific
12.2023 - Current
Sr Funder/ Closer / Doc Drawer
Paramount Residential Mortgage Group
07.2019 - 09.2022
Sr. Funder/Correspondent Purchaser
Impac
05.2018 - 07.2019
Sr. Funder / Correspondent Purchaser
First Direct Lending
09.2016 - 05.2018
Sr. Funder
American Advisors Group
10.2014 - 02.2016
Certificate in Sonography -
American Career College
High School Diploma -
La Habra High School Graduate