Stephanie Osman 2 Ward Street, 111 Midland City, Alabama 36350 214-893-3071 Professional Profile: * Extensive mortgage industry

experience, within a funding/closing role * Experience coordinating the preparation of loan closing packages, issuance of funds, closing instructions, etc. * Worked with FHA, VA, Prime and Sub-prime loans * Excellent communication, customer service, and organizational skills * Proficient in MS Office (Word, Excel, etc.) Professional Experience: April 2009-June 2011 Palm Beach Tan, Rowlett, Texas Retail Sales, Shift Leader * Manage Palm Beach Tan shift operations to ensure specific and dire ct alignment with company goals and sales. Understand and maintain all aspects of store opera tions, including to adherence to PBT quality standards, systems and procedures. Manage the shift with sales building as a continual focus. Assisted the store Manager and Assistant Manager w ith scheduling, inventory, store ratio reports and payroll balance. Monitored labor, cost of s ales and store revenue. April 2008 - March 2009 Avnet, Inc. Richardson, Texas Account Specialist II * Prepped invoices matching the serial number of the specific part and the bill out date of the contract. Pulled up purchase orders from the Genesis system matc hing the invoice information with the receiving control number and sales control number preparing each invoice for the monthly payout. Contacted Sun Microsyste ms regarding credits and debits to accounts that did not balance correctly. Sun Microsystems would explain the issue and then I would correct the invoice to bal ance. Used SAP to pull up all contract bill out date information matching it to the invoice. August 2007 - April 2008 Humana, Inc. Irving, Texas Texas Board Certified Health and Life Independent Insurance Agent * Sold Medicare Advantage Plans thru the AEP and OEP enrollment periods. * Sold supplemental policies to Medicare beneficiaries. May 2006 -August 2007 Countrywide Home Loans, Richardson, Texas Senior Closer, Funder, Shipper * e d o Prime and Subprime closer, reviewing and working the file from coordinating th closing to shipping the file. Reviewed HUD, created closing documents, reviewe all processing through the Edge system. Made sure all prior to doc and prior t funding conditions were signed off on. Calculated borrowers income to make sur

e it matched the 1003; reviewed the credit report matching the payoffs with the 1003 borrower s obligations. Made sure the HUD and the wire matched, reviewed t itle for any exceptions, liens or judgments. Received documents from title and r eviewed them for signing accuracy before funding the file and preparing it for s hipping. November 2005 - March 2006 Maverick Mortgage/Shanks & Butler, LLC, Frisco, Texas Retail Loan Closer * Review and coordinate closing package checking the hazard, taxes, fee sheet, t itle commitment, contract and appraisal. Draw closing documents using Mortgage S oft software. Closed prime and subprime paper, manufactured homes, Texas cash ou t, FHA & VA loans. January 2005 - October 2005 Primelending, Dallas, Texas Closing Coordinator/Subprime Coordinator * Reviewed underwriting approval for all conditions to be met then had secondary lock the loan. Stacked the file then began my review. Checked the 1003 and 1008 for all accuracies inputting all HMDA information into Datatrac. Reviewed the s ales contract and title work meeting Prime s guidelines. Reviewed the survey for the expiration date, surveyor signature, etc. Checked the fee sheet for accurac y with the title information, closing and funding dates, fee s etc. Reviewed the appraisal for census information, appraisal certification and licensing, proper ty address along with all of the flood certification information inputting all i nto the Datatrac system. Scanning 1003 s and sales contract into the docutrac tr ack system so the closers could download information while drawing documents. January 2004 - August 2004 Sollen Technologies, Dallas, Texas Account Manager * Managed multi mortgage brokerage accounts using Sollen s ratesheet generator s oftware. Troubleshooter for all issues involving SRP, Ratesheet Generator, Lende r on Line & the customer's configuration site which downloaded that days rates d irectly into their system. Automatic pricing and immediate confirmation of that day s rate with all add ons and loan officer adjustments at the customer s finge rtips. Assisted customers with the ability to set up their own daily rate sheet with quick response from the loan officer directly to the lock desk. Lender on L ine let the customer see immediately if that loan would be approved by that part icular investor without all the hassle of waiting for pre-approval from the unde rwriter s desk. June 2000 - March 2003 Publicis, Inc., Dallas, Texas Account Support - Account Payables * Set up all new accounts with our vendors. Keyed accounts into the system with general ledger codes and prepared them for payment. Coded employee expense repor ts entering them into the system balancing out all travel expenses. Prepared tha t week s check run and handled general office account payable transactions. May 2000 - May 2001 Pierson & Patterson, Dallas, Texas Document Review Specialist * Preparing legal documents for closing. Reviewed the title commitment, survey, broker fee sheet, underwriting approval etc. Worked on Conventional, FHA & VA lo

ans. October 1999 - June 2000 Comp USA, Dallas, Texas Sales Audit Clerk * Entered POS edits and transmittals for daily point of sales transactions. Keye d daily packets received from several store locations all over the United States . Balanced the daily sales spreadsheet for each store. Performed the month-end a ccounting procedures including journal entries and reconciliation of cash over/s hort. August 1997 - October 1999 Expanded Mortgage Credit, Dallas, Texas Closing Manager * Closed and funded sub-prime paper. Signed off on all underwriting PTC and PTF conditions. Reviewed final approvals, title work, surveys, lock agreements, fee sheets and all broker information. Reviewed all funding requirements, funded, au dited and shipped out the packages to corporate in Houston. September 1996 - August 1997 Erstmark Mortgage, Dallas. Texas Closing Manager * Closed purchase plus, contract build and regular conventional loans. Prepared all legal documentation and closed with borrowers at time of closing. Configured loan officer commissions working with payroll every payday. Audited all closing packages after closing prior to sending to the investor for funding. January 1995 - September 1996 Dennis Schwartz & Associates, Mckinney, Texas Mortgage Document Review Specialist * Prepared closing documents on-site with Flagstar Bank. Licensed with the Texas State Board of Health and Life Insurance