Adam BarberCell: 805-210-1396

Email: adam.barber6284@gmail.com

Functional Profile Motivated and dedicated professional with over three years of practical experience in the understanding of real estate transactions; seeking a position that utilizes experiences and fosters both personal and professional growth. Proven ability to multi task, be a team player and maintain the integrity of Documents and Contracts. Adept at determining requirements, scheduling, and organizational planning. Talent at adapting and quickly learning new processes and procedures and implementing them effectively. Professional ExperienceProspect Mortgage (June 2015-Present) Investor Deficiency Associate (Post closing)

Ensure loan conditions are cleared within investor & company designated time frames.

Determine validity of suspense conditions by reviewing closed loan file.

Attention to detail during review of closed loan file for leads. Find resolution or explanation to issue with data found in file.

Contact vendor and outside sources as needed to obtain a concrete solution or explanation. Request and obtain hard copy documentation, which can appropriately resolve suspense issues.

Obtain, forward and confirm receipt of conditions to each investor as specified.

Assign error to each department as specified by means of outlined Error Codes in Post Closing system.

Update each loan data/ comment log prior to sale every 3 business days from date shipped to investor.

Diligent record keeping of investor progress/ turn time for review and purchase of all loans in pipeline.

Review loans with manager to ensure all issues are addressed properly and on time.

Monitor and request lock extensions as needed on suspended loans.

Print and review designated reports. Forward trailing documents to imaging. Communicate and maintain working company

relationships to protect the line of credit. Promptly respond and fill request of:

Investors/ Banks: entity that purchase company loans daily.

Maintain professional work standards with Operations, Compliance and Capital Markets in successfully addressing each and every deficiency.

Interface with Vendors as conditions are required

Escrow: Obtain copies or corrections of HUD, escrow agreement, escrow holdback data, miscellaneous documents that may have not been returned from escrow when loan documents were signed.

Real Estate Agent: Obtain copies or corrections to purchase contract and addendums, upfront disclosures from realtor.

Title Officer: Obtain prelim/ final title report, property tax status, recorded documents.

Appraisers: Obtain copies or corrections of property appraisals, addendums, completion certificates.

Prospect Mortgage (August 2012-May 2015)Data Integrity Specialist (Post closing)

Perform post-funding audit of loan files (including credit and closing packages) to ensure compliance with policies and procedures as well as investor and regulatory agency guidelines.

Ensure data integrity within Post Closing systems. Escalate loans within allotted timeframe that may not be investor compliant. Validate compliance with RESPA and TILA guidelines by performing a detailed audit on

HUD-1 Closing statements to ensure that all fees have been properly disclosed and paid to the appropriate parties in the transaction.

Perform complex calculations to identify under-disclosures and non-allowable fees. Document resolution of under-disclosures and facilitate reimbursements to borrowers via check or wire request when applicable.

Document/grade errors and missing items in the system, send out notification to Operations Staff and Mangers to address any FAILED items on checklist and follow through to ensure timely receipt.

Validate HMDA and California per diem guidelines by performing a detailed audit on final 1003 forms and closing loan documents to ensure that we are complying with all state, federal and government guidelines.

Research and resolve loan errors related to Master File Adjustments (MFA), Mortgage Insurance (MI) and Automated Underwriting System (AUS) certificate (DU Compare) errors received from both internal and external clients

Determine and acquire correct documentation Answer phone calls and emails in a timely manner Coordinate with other departments to facilitate timely resolution within established Service

Level Agreements Communicate with third parties as needed via email and telephone Meet established department standards for number of issues processed Actively utilized Knowledge of Pronet, QiuckBase, Data Trac, Blitz, Xdocs Ability to resolve basic issues within a standard timeframe Responding to internal and external requests in a timely fashion Analytical and deductive skills; ability to think logically

Skills Summary

Microsoft Office (Word, Outlook, Excel) MVP award from Prospect Mortgage in 2014

References: Will Provide upon Request