Madison Head
Calhoun
Summary
Results driven Mortgage Loan Closer with proven expertise in loan documentation, compliance review, and closing coordination. Skilled in preparing and auditing closing packages, ensuring regulatory accuracy, and delivering timely, error free closings. Recognized for strong team collaboration, adaptability, and consistent reliability in high-volume lending environments. Committed to maintaining exceptional customer communication and driving operational efficiency.
Overview
10
10
years of professional experience
Work History
Mortgage Loan Closer and Funder
Navy Federal Credit Union
05.2024 - Current
- Analyzed and reviewed preliminary and final closing documents, including HUD-1 and CD, for compliance with RESPA, TRID, and secondary market standards.
- Increased customer satisfaction by providing clear explanations of complex mortgage terms and conditions.
- Maintained detailed records of each closed loan for future reference and auditing purposes.
- Monitored pipelines to track and log status of loans.
- Researched and updated industry knowledge on changing legislation and regulations.
- Managed closing updates and file change requests, ensuring all documents reflected the latest terms and approvals.
- Ensured satisfaction of all credit, underwriting, and property related conditions.
- Communicated regularly with attorneys, real estate brokers, and settlement agents to track the status of closing documents and conditions.
- Provided title agents with documentation requirements, binder data, and closing instructions.
- Balanced closing disclosures (CDs) and settlement statements in collaboration with settlement agents.
- Executed the full funding process post-closing, ensuring timely member disbursements and accurately processing all internal and external payoffs to finalize transactions.
- Maintained daily pipeline tracking and updated internal systems to reflect file status.
- Supported team goals by assisting with high volume periods and mentoring new closers.
- Extensive experience coordinating closings across all 50 states, including attorney states, escrow states, dual signers, and international/overseas transactions, with a strong understanding of varying state compliance and documentation requirements.
- Facilitated accurate document preparation for mortgage closings, ensuring compliance with regulatory standards.
- Coordinated with lenders, title companies, and clients to resolve discrepancies in closing documents.
- Streamlined closing procedures by implementing new tracking systems, enhancing workflow efficiency.
- Reviewed loan files for completeness and accuracy, minimizing errors prior to final approval.
- Managed communication with all parties involved in the mortgage process to ensure timely closings.
- Developed comprehensive checklists for closing documentation, improving consistency across transactions.
- Coordinated post-closing activities such as disbursement of funds, recording deeds, and delivering final documentation to borrowers.
- Managed a high volume of loans simultaneously, prioritizing tasks efficiently to meet deadlines consistently.
- Reviewed mortgage documents for compliance with regulatory requirements and company policies.
Optometric Clinical Assistant/Technician
Dr. Gene Terrezza & Associates
04.2023 - 05.2024
- Conducted pre-testing procedures, including autorefraction, visual acuity, color vision testing and depth perception.
- Prepared exam rooms and sterilized equipment according to clinical standards to maintain a clean and safe environment.
- Collected/organized detailed patient medical and ocular histories into electronic systems (EHR) ensuring accuracy and HIPAA compliance.
- Supported Optometrist in conducting extensive glaucoma diagnostics, including pressure checks and visual field testing.
- Assisted Optometrist during detailed ocular in-office medical procedures.
- Performed diagnostic imaging and testing, including Optomap photography, tonometry, visual field testing, and optical coherence tomography (OCT Scans).
- Trained first-time contact lens wearers on proper contact lens hygiene, insertion/removal techniques, and care instructions.
- Managed high-volume/multi-line inbound calls and scheduled patient appointments with accuracy and efficiency.
- Verified patient insurance eligibility and supported billing coordination when needed.
- Worked closely with optical staff to transition patients for eyewear selection and prescription fulfillment.
- Monitored supply levels and ordered clinic inventory, ensuring full stock of exam room essentials.
- Supported patients with post-exam instructions, including medication usage, follow-up care, and treatment plans.
FitKids Instructor & Front Office Assistant
Pensacola Athletic Center
02.2022 - 03.2023
- Handled new member sign-ups, tours, and walk-in inquiries about gym services and pricing.
- Maintained cleanliness and organization of the front desk area, lobby, and retail shelves.
- Assisted in event planning and coordination, including birthday parties and fitness challenges.
- Ensured compliance with facility policies and safety protocols.
- Supervised children in a gym childcare or kids’ fitness environment, ensuring their safety at all times.
- Communicated effectively with parents and guardians regarding child behavior and activities.
- Maintained accurate headcounts and followed check-in/check-out procedures for each child.
Youth Program Instructor & Sales Coordinator
The Little Gym of Pensacola
07.2018 - 08.2019
- Facilitated structured group activities including obstacle courses, fitness games, and movement-based learning sessions.
- Led and supported themed birthday parties, camps, and special events, including setup, execution, and parent communication.
- Trained and mentored new team members or assistants to ensure consistency in program delivery.
- Promoted the program through parent outreach, facility tours, and involvement in community events.
- Demonstrated strong time management and multitasking during back-to-back sessions and transitions.
- Collaborated with other staff and leadership to improve programming, troubleshoot challenges, and ensure daily success.
- Greeted members and guests, answered phone calls, and provided information about programs and pricing.
- Scheduled appointments, enrolled new members, and processed payments for classes and events.
Sales Associate
Once Upon A Child and Platos Closet
02.2018 - 07.2018
- Operated point-of-sale (POS) systems to process transactions, returns, and exchanges accurately and efficiently.
- Tagged, sorted, and restocked merchandise on the sales floor based on store layout and seasonal focus.
- Assisted with opening and closing duties, including cash handling, security checks, and store cleaning.
- Monitored fitting rooms and floor activity to prevent theft and maintain customer safety.
- Created visually appealing product displays and end caps to support marketing efforts.
- Learned and adapted to changes in store policies, promotions, and software updates quickly and effectively.
- Collaborated with team members to meet daily sales goals and support store performance.
Quality Inspector & Office Assistant
All American Restoration and Cleaning LLC
03.2017 - 02.2018
- Conducted inspections of work areas, documents, or job sites to ensure compliance with company quality standards, safety regulations, and client expectations.
- Developed and used checklists to track quality metrics and document inconsistencies or required corrections.
- Reviewed and verified job completion reports, photographic evidence, or service documentation for accuracy.
- Flagged incomplete work and communicated with field or production staff for immediate resolution.
- Assisted in streamlining quality processes and contributed ideas for workflow improvement.
- Performed general clerical duties including filing, copying, faxing, scanning, and sorting documentation.
- Maintained digital and physical filing systems, ensuring documents were organized and accessible.
Office Assistant & Leasing Assistant
Heritage Apartments
08.2015 - 02.2017
- Greeted tenants, applicants, vendors, and visitors while maintaining a professional and welcoming front office environment.
- Handled clerical tasks such as filing, copying, faxing, and organizing resident documents and lease agreements.
- Managed office supplies and inventory, placed orders, and kept administrative areas organized.
- Prepared notices for late rent, lease renewals, inspections, and other resident communications.
- Assisted with decorating common areas for holidays and resident events to enhance community engagement.
- Logged and followed up on maintenance requests, ensuring timely service for resident needs.
- Sent out promotional materials or responded to rental inquiries via phone, email, or in person.
- Supported leasing events and resident engagement initiatives on-site.
- Helped with the move-in and move-out process, including key handling, inspection forms, and walkthrough checklists.
Education
Veterinary Technician
Pensacola State College
PENSACOLA, FLHigh School Diploma -
Pine Forest High School
PENSACOLA, FL01.2017
Skills
- Loan origination software proficiency
- Document management systems expertise
- Adobe Acrobat proficiency
- Proficient in Microsoft Office 365 applications
- Proficient in electronic closing platforms
- Writing and verbal communication
- Detail-oriented
- Client engagement and assistance
- Issue resolution
- Closing expertise
- Meticulous attention
- Deadline driven
Timeline
Mortgage Loan Closer and Funder
Navy Federal Credit Union
05.2024 - Current
Optometric Clinical Assistant/Technician
Dr. Gene Terrezza & Associates
04.2023 - 05.2024
FitKids Instructor & Front Office Assistant
Pensacola Athletic Center
02.2022 - 03.2023
Youth Program Instructor & Sales Coordinator
The Little Gym of Pensacola
07.2018 - 08.2019
Sales Associate
Once Upon A Child and Platos Closet
02.2018 - 07.2018
Quality Inspector & Office Assistant
All American Restoration and Cleaning LLC
03.2017 - 02.2018
Office Assistant & Leasing Assistant
Heritage Apartments
08.2015 - 02.2017
Veterinary Technician
Pensacola State College
High School Diploma -
Pine Forest High School
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