1. Abdul Qayum
Cell: 818 -231-0951: marufqayum@yahoo.com
PROLIFIC, SYNERGISTIC AND TECHNICALLY SKILLED BANKING PROFESSIONAL
known for accuracy, attention to detail and timelines in managing portfolios. Accumulated over 5 years of
experience in increasingly responsible sales, default and originations positions within the banking and
finance industries. Demonstrates leadership, decisiveness and well developed communication skills.
Versatile team player that is self-motivated and goal driven
Key Skills
 Analytical Mind
 Confident Negotiation Skills
 Client Value-Focused
 Advanced knowledge of real estate terminology and
documents
 Knowledge of TRID transition
 Respect of Confidential Information
 Audit loans
 Ability to Work under Pressure and to Deadlines
Core Accomplishments
 Ranked as 1 out 298- Top 10% National closer for the year 2013
Professional Experience
Nations Lending Corporation
Mortgage QA Auditor/ CLOSER– CA
12/15-Present
 Pre Audit file to make sure all information is entered correctly.
 Monitor and maintain a pipeline to anticipate estimated closing dates based on TRID timelines.
 Competently review loan files to insure all conditions are cleared and file is ready to close.
 Confirmation that loan passes all predatory lending checks.
 Prepare closing documents and send to settlement agents for closing once Closing Disclosure has been
finalized and acknowledged by consumer and adequate timelines have occurred.
 Responsible for efficiently and effectively communications with all parties involved in the transaction and
respond quickly to any questions.
 Review signed closing packages for accuracy.
 Lender and seller credits are itemized.
 POC credits are itemized.
 Fees are listed in the correct sections as well as fee entries are correct.
 Escrows set up properly.
Caliber Home Loans
Mortgage Closer– CA
08/2015-12/2015
 Check accuracy for all essential information provided at submission for closing
 Communicate with loan officer, processing and underwriting staff
 Prepare accurate figures for monthly payments, escrows, prepaid interest, etc.
 Produce and organize all closing documents including conventional, FHA, VA and USDA loans

2.  Have knowledge of multiple investor closing policies and procedures
 Responsible for the review and approval of HUD/TRID settlement statements
 Calculating wire amounts and verifying accuracy with settlement agents
 Understanding and following all procedures relating to job function to help ensure compliance with
regulatory requirements.
 Act as the single point of contact from the time closing is requested through the time the loan is shipped to
one of our approved agency or purchased by the investor.
 Complete a loan review on every loan to ensure it meets RESPA, Fair Lending, and Disclosure and Re-
disclosure compliance.
 Fees are listed in the correct sections as well as fee entries are correct.
 Maintain a closing pipeline, completing closing documents within 48 hours of request for refinance and 24
hours for purchase, and deliver the documents in advance of the closing, adhering to the wire cut-off times,
clearing branch deficiencies and timely delivery of complete closed loan files.
Pennymac, LLC
Mortgage Closer/Funder– CA
07/2014-08/2015
 Responsible for the preparation ofloan documents for all types of loans
 Worked closely with title, attorney, settlement agent companies to clear conditions in order to fund real
estate loans
 Reviewed critical mortgage documents; HUD-1, Truth-In-Lending, Note(s), Trust Riders, 1003’s, W-9’s
and Letters of Explanation to be executed properly
 Conducted full and comprehensive reviews of HUD-1’s prior to submitting to final Quality Assurance
review
 Meet rate locks, audit executed loan documents prior to finalizing the funding of the loan
 Review and analyze special conditions, loan deficiencies and exception requests to determine
appropriate courses of action
 Well-versed in FHLMC, FNMA, FHA, VA, HUD, GNMA, RESPA, RD and Regulation Z guidelines
 Request and obtain outstanding funding conditions from loan team, title and other third parties
 Review and verify all fees and charges associated with loan meet all compliance regulations with HUD
provided
 Correcting or obtaining conditions required for errors and omissions in post-closing
JPMorgan Chase & Co.
Mortgage closer/ funder- CA
1-11to 06-14
 Responsible for the preparation ofloan documents for all types of loans
 Worked closely with title, attorney, settlement agent companies to clear conditions in order to fund
conventional/FHA refinance loans
 Review and examine loans to ensure soundness, business value and compliance with company and
investor standards (FNMA / FHLMC)
 Determine and document loan conditions and communicate requirements and/or decisions
 Review and analyze special conditions, loan deficiencies and exception requests to determine
appropriate courses of action
 Analyze critical documents such as: credit, appraisal, title preliminary report, assets, and income for
approval of generating loan
 Obtained signed loan documents and confirm all documents were filled out correctly
 Sending out funding conditions to title/escrow and reviewing for accuracy once received
 Balancing wire Requirements and Amounts with Escrow officer
Education California State University of Northridge, Business Finance
Technical Skills
Microsoft Word, Excel & Access, Power Point, AS400, Encompass, DataTrac, Loan Quest, CLOSR, LAMP, H20