Danette Geist

20+ year track record and progressive career in mortgage origination and operations. Highly driven and accomplished mortgage loan officer, and department supervisor committed to providing high-level expertise and consultation on loan operation functions based on a deep knowledge of the loan production process. Well-versed in all mortgage types: prime/subprime, FHA, VA, conventional, jumbo and government assistance.

Advise on relevant strategies including selling mortgage products, determining client needs, advising clients on the home buying process, explaining different types of mortgages, and meeting sales targets. Engage professionally with customers, vendors, suppliers and professionals across all levels of an organization with differing roles of accountability to cultivate positive, productive, and collaborative relationships.

Licensure: NMLS ID 1915137 | Associate Level Real Estate Broker - FA100076566.

Loan Closer - BOK Financial - Denver, CO

(2020)

Reviewed and approved 45+ mortgage loans monthly to determine if further conditions must be met before closing. Contacted attorneys and title companies to request specified documents to include the title binder, survey, termite report, hazard/flood insurance binder, deed, closing disclosures, power of attorney and/or trust documentation.

• Calendared loan closings, compiled closing documents, completed all disbursement procedures before issuance of funds to attorneys/title company, refund checks, and the release of escrow monies withheld.

Mortgage Specialist - PROMTECH | PROMONTORY MORTGAGE PATH - Denver, CO

(2018 - 2020)

Serve as a subject matter expert by working closely with technical, service delivery, software development, product support, and fulfillment teams to assist in new feature developments, improvements, and troubleshooting. Analyze client workflows collected by a team of business analysts to ensure meeting collateral clearly demonstrate the product’s proposition value. Review a cascade of client information to identify business challenges, implementation obstacles, and client pain points to make strategic, calculated recommendations on customized, client-specific solutions.

Hold full accountability for the effective and efficient delivery of internally led solutions used to support the client’s business processes, services, and product lines.

• Champion a solution-oriented and client-driven culture in the development of process automation strategies and roadmaps to ensure a seamless integration into the client’s existing infrastructure.
• Work closely with multiple teams on the product delivery and fulfillment to prioritize technical resources and respond with agility to changing customer specifications.
• Forecast technical skills required to overcome product roadblocks with an appropriate mix of business knowledge for future, ongoing, and emerging technological advancements.
• Conduct benchmarking and assess ambiguous loan scenarios from captured user stories to provide clarity to team and apply advanced elicitation techniques to workout product improvements.
• Stand as lead on documenting client loan processes and maintaining a documentation repository of reusable requirements to support future initiatives.
• Accountable for mitigating compliance concerns by maintaining the Compliance Ticket processing to achieve adherence to system requirements.
• Deliver training to both internal and external teams to ensure the right talent is engaged and utilized at every level to meet demanding implementation timelines.
• Consult with customer resources regarding solutions and software options based on functional requirements defined during discovery sessions and engineering phases of the project.
• Manage client issues as they become evident and escalate concerns to other technical resources as necessary.

Closing Supervisor - LENDERLIVE - Glendale, CO

(2015 - 2018)

Supervised 5 direct reports including employee development, coaching, training/discipline, and verification of loan and supporting documents. Monitored team pipeline to ensure compliance to RESPA, TIL, HMDA, Reg. B, SAFE Act, Reg.

Z, and all other mortgage-related regulations. Assisted in closings and servicing by obtaining documentation needed to clear outstanding items for loans worked on and/or loans transferred from other team members. Oversaw the team's loan file quality and ability to meet company service level agreement requirements and identify additional training needs for team members.

Defined structural needs of the department and implemented changes in closing desk procedures by working closely with company’s training department.

• Utilized the Encompass loan origination system to test borrower scenarios and advise on process/system improvements as necessary.

Loan Closer - LOAN SIMPLE, INC. - Englewood, CO

(2014 - 2015)

Reviewed all documents in a client’s file before starting the closing package to ensure that the names of the borrower, loan amount, property address and any other information matched all documents in the file. Collaborated with attorneys and loan originators during loan preparation, sent documents to the closing agent, and copied them to loan originator and processor.

• Consistently managed a large pipeline and executed the closing of a high frequency of loans – 80 to 100.

Loan Closer - URBAN LENDING SOLUTIONS - Highlands Ranch, CO

(2013 - 2014)

Reviewed and approved 80+ mortgage loans monthly to determine if further conditions must be met before closing. Contacted borrowers, real estate brokers, and title companies to request specified documents to include the title binder, survey, termite report, hazard/flood insurance binder, deed, HUD1 settlement, power of attorney and/or trust documentation.

• Calendared loan closings, compiled closing documents, completed all disbursement procedures before issuance of funds to attorneys/title company, refund checks, and the release of escrow monies withheld.

Bankruptcy Associate/Customer Care IV Call Center - SPECIALIZED LOAN SERVICING - Denver, CO

(2008 - 2013)

Facilitated pre-foreclosure reviews to pursue early resolution of loans referred for foreclosure, handling multiple mortgage products that are 60+ days delinquent. Kept servicing files up-to-date and moved them through the process in a timely manner to ensure homeowners and investors receive the best-in-class service. Reviewed title searches to ensure that no title issues threatened the standing of liens on the property.

• Analyzed financial statements, tax returns, credit reports, and the value of the collateral to determine and recommend the most feasible and appropriate solution for the homeowner.

Loan Officer - Casablanca Financial Group

Account Executive - Homestar Mortgage Services

Account Executive - Aurora Loan Services/Lehman Bros

Closing/Funding Manager - Wells Fargo Bank Wholesale

Closing/Funding Manager - Old Kent Mortgage/Fifth Third Bank Wholesale

Loan Processor - Countrywide Home Loans/Retail

Pursued a Bachelor of Science degree - Biology - UNIVERSITY OF COLORADO