Charmaine P

Document Services & Compliance Specialist

Parker Document • Selbstständig

Nov 2021 - Present • 5 yrs

As Founder and Principal Consultant of Parker Document & Compliance Solutions (PDCS), I provide professional mortgage quality control, compliance review, document authentication, and administrative document services to individuals, businesses, lenders, and legal professionals nationwide. With over 20 years of mortgage industry experience, I specialize in pre-funding disclosure reviews, Loan Estimate and Closing Disclosure accuracy, TRID compliance, post-closing quality control, investor delivery requirements, document deficiencies, exception resolution, and audit support. My background includes reviewing mortgage documentation for accuracy, completeness, regulatory compliance, and investor requirements. I coordinate nationwide apostille and document legalization services for documents intended for international use, including state-level authentication, agency coordination, and domestic or international document delivery. My certified document translation services include managing translation requests, coordinating with qualified translators, organizing supporting documentation, and facilitating delivery of completed translations. I also assist clients with vital records retrieval, including birth, marriage, death, and divorce records, while navigating applicable agency requirements and eligibility procedures. As a commissioned South Carolina Notary Public since 2017, I provide mobile notarization services for individuals and businesses, including affidavits, powers of attorney, healthcare directives, and other eligible documents. I also coordinate attorney-directed estate document signings, witnesses, and document handling. PDCS is committed to accuracy, confidentiality, clear communication, and dependable service.

Mortgage Post Closer

REV • Vollzeit

Feb 2022 - Mar 2026 • 4 yrs 1 mo

Independently managed mortgage post-closing operations, including general ledger reconciliation, portfolio loan boarding, documentation review, investor delivery, and exception resolution. • Performed general ledger (GL) reconciliations for mortgage post-closing accounts, independently researching and clearing discrepancies, identifying incorrect postings, coordinating necessary adjustments, and balancing accounts to maintain accurate financial records. • Boarded portfolio mortgage loans into the credit union’s core banking system, supporting accurate loan setup, data integrity, and servicing readiness. • Reviewed escrow amounts and financial information on Closing Disclosures for accuracy and consistency with mortgage loan documentation. • Collaborated with the credit union’s mortgage subservicer to investigate escrow discrepancies, reconcile account information, and coordinate corrective actions. Utilized Encompass LOS, personally maintained tracking spreadsheets, and pipeline reports to monitor approximately 50 residential mortgage files monthly, outstanding documents, critical deadlines, title company follow-ups, and investor conditions. • Conducted detailed title reviews, examining commitments, final policies, vesting, legal descriptions, endorsements, and lien positions to identify discrepancies and documentation deficiencies. • Resolved 19 post-closing documentation and recording exceptions through independent investigation and coordination with closing attorneys, title companies, county recording offices, and internal departments. • Prepared and delivered approximately 25 investor-ready mortgage loan packages monthly, maintaining compliance with investor requirements, documentation standards, and delivery timelines.