Destiny Cleveland

Managed the end-to-end loan closing process for residential mortgage transactions across multiple states, ensuring closing packages were accurate, complete, and compliant with applicable lender, investor, and state-specific requirements.

Loan Closer - Mortgage pros - Troy MI

Managed the end-to-end loan closing process for residential mortgage transactions across multiple states, ensuring closing packages were accurate, complete, and compliant with applicable lender, investor, and state-specific requirements.

• Utilized ALTA (American Land Title Association) documentation and Workshare to review, coordinate, and facilitate closing-related documentation and communicate effectively with title companies and other closing parties.
• Communicated directly with Underwriters (UWs) to resolve outstanding conditions, clarify loan requirements, address underwriting questions, and ensure files met closing eligibility requirements before proceeding to closing.
• Coordinated with underwriting, title companies, settlement agents, processors, and other internal and external stakeholders to facilitate timely and accurate loan closings.
• Managed complex loan files by identifying discrepancies, resolving documentation issues, tracking outstanding requirements, and ensuring all necessary items were addressed before closing.
• Handled escalations involving closing delays, title issues, documentation discrepancies, underwriting conditions, and other loan-level obstacles, working collaboratively with the appropriate departments to determine resolutions and keep files moving forward.
• Proactively identified potential closing issues and communicated solutions to minimize delays, maintain workflow efficiency, and support a positive borrower and business partner experience.
• Reviewed loan documentation for accuracy and completeness, ensuring closing figures, title information, and required documentation aligned with loan approval and closing instructions.
• Managed multiple loan files simultaneously while prioritizing deadlines, maintaining productivity standards, and meeting service-level agreements in a fast-paced mortgage banking environment.
• Applied knowledge of state-specific closing practices and requirements to coordinate transactions across multiple jurisdictions while maintaining attention to detail and regulatory compliance.
• Maintained clear, timely communication with internal teams and external partners regarding loan status, outstanding conditions, escalations, and closing timelines.
• Supported the successful movement of loans from final approval through closing by coordinating outstanding items, troubleshooting file issues, and ensuring all parties were aligned on closing readiness.

Loan Specialists - Freestar Financial Credit Union - Saint Clair Shores, MI

(2025-04 - 2026)

• Reviewed and verified loan documentation to ensure compliance with regulatory requirements and internal policies.
• Prepared loan documents for approved consumer loans and scheduled closings via DocuSign or in-branch appointments.
• Maintained effective communication with loan officers, members, and internal teams to facilitate smooth loan processing and timely decisions.
• Responded to member and team inquiries via phone, providing account maintenance support for loan and Visa accounts.
• Served as backup processor for incoming loan applications submitted online or by phone.
• Handled insurance products by providing quotes, issuing policies, and processing claims, payments, and refunds.
• Executed financial transactions, including loan payment reversals and account adjustments.
• Processed adverse action notices and completed required follow-up documentation.
• Reviewed and corrected loan exceptions to ensure accuracy and completeness of loan files.
• Managed vehicle title work, including lien placement and follow-up with members and dealerships.
• Assisted in developing and updating departmental procedures to improve workflow and compliance.
• Provided support for Visa account servicing, including auditing, reporting lost/stolen cards, and handling reissues.

Title Administration - Credit Acceptance - Southfield, MI

(2023-04 - 2025-03)

• Accurately document receipt of titles and file/store titles from state DMVs or dealers.
• Communicate professionally with customers to obtain required documents and clarify title-related concerns.
• Identify errors on titles and escalate issues as needed.
• Process and mail completed title paperwork in a timely manner.
• Assist with organizing, storing, and retrieving physical titles in the title room.
• Handle inbound and outbound communications via email, mail, and fax.
• Support internal teams by accurately entering title information into company systems.

Closer - United Wholesale Mortgage - Pontiac, MI

(2021-03 - 2022-11)

• Prepared and reviewed loan closing packages, ensuring accuracy and completeness of all documents.
• Resolved concerns, document discrepancies, and compliance issues related to mortgage transactions.
• Acted as a liaison between all parties involved in mortgage closings, ensuring regulatory compliance.
• Assisted escrow and title companies via inbound support calls.
• Reviewed wire details for escrow companies and maintained closing schedules.

Disclosures Specialist - United Wholesale Mortgage - Pontiac, MI

(2020-03 - 2021-02)

• Reviewed and verified accuracy of initial loan disclosures.
• Approved and re-disclosed documents for changed circumstances.
• Evaluated and processed denial and withdrawal requests.

Office Assistant - Central Michigan University - Mount Pleasant, MI

(2019-08 - 2019-12)

• Managed academic counselor schedules and assisted students with appointments.
• Provided guidance to students visiting the academic center.
• Communicated student schedules via email and maintained office organization.

High School Diploma - Grosse Pointe North High School (2015-09 - 2019-06)