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vince
Kansas
324 Posts |
 Posted - 04/25/2010 : 1:40:27 PM
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quote:
Originally posted by edelske
Vince,
Short answer: Probably I should not have used the "short" term of "print time" and elongated the title to read "print, preparation, and quality control".
That makes sense. Yes, quality control and review is important to me when time permits. Time permitting I try to do so as well. Last week received the documents at the last moment (darn it), drove to the closing and logged them in. All was fine until getting to the lender documents. All if them had borrower name spelled wrong. Title wanted ALL documents that were to be executed to be corrected wherever the name appeared. This could have been avoided had the lender sent in advance. But that did not happen and the closing took two hours for the 135 pages.
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edelske
New York
815 Posts |
Posted - 04/23/2010 : 7:51:55 PM
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quote:
Originally posted by vince
Ken, I'll agree these assignments that come in after the "drop dead" time that you surely provided are impossible to complete when the borrower is unwilling to stretch the time slot. Only one thing that I'm wondering about - one hour to print two copies of the docs? What the heck are you using for a laser printer that is so slow - that's about 4.5 pages a minute?
Vince,
Short answer: The slow part is not the printer it is me.
Long answer:
In addition to printing the 2 sets I am reviewing the documents for errors. You would be suprised how many I find with a totally different name, etc. This time is my first look at the docs. The set in question had on the Mortgage "Tom" and "Sue". But the "work order" only mentioned "Tom". Is "Sue" supposed to be present - today? Or is it a "split signing" - I need to find out. Also, I am partially pre notarizing the various notarized pages with venue, names, stamp and seal, but not my signature. There are also "closing instructions" and special notes to the notary to be understood. I found buried deep in the "Closing Instructions" - on page 5 a requirement for "blue ink" - not mentioned anywhere else - it takes time to read! It's more than just printing, it's being prepared to ship after we both sign. It's also filtering out obvious errors such as a missing HUD, or finding that page 7 of the mortgage was mis-fed when scanned (especially if it needs to be initialed). There is usually an airbill to be prepared, perhaps an invoice has to go in the package, etc. There is little point in getting to the table with errors in the package, especially when the signing location does not have facilities for corrections, or, as in this case, there is little time to hunt for a Kinkos to get a replacement page. Lastly, the documents were sent as a series of attachments (in multiple emails) - not a single file. This takes manual processing, it's not possible to just ask for 2 collated sets. But, you probably receive them that way too. There is much to do during "print time" - sorry but I thought that would be obvious.
There is an old "marketing" truism. It describes the triangle formed by Quality, Price, and Speed. It's easy to obtain any 2 of the 3. For example you can get "it" with a low price and quickly; if you are willing to sacrifice quality. With Signings, the "price" for all practical purposes is frozen. Thus the remaining issues are quality and speed. With a frozen price to achieve high quality, you have to sacrifice speed. Or, to make great speed; the quality will suffer.
BTW: my printer is an HP Laserjet 4100 dual bin with 128 Meg of RAM (HP spec of 25 letter size per minute), attached via 100 Meg Bit Ethernet to a Dell PC running 64bit Windows 7, with a 3 Gigahertz "quad" CPU and 8 Gig of local RAM.
Probably I should not have used the "short" term of "print time" and elongated the title to read "print, preparation, and quality control".
Kenneth A Edelstein
Mobile Notary, Apostille / Legalization Processing & Fingerprinting
http://www.kenneth-a-edelstein.com |
Edited by - edelske on 04/24/2010 1:35:06 PM |
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vince
Kansas
324 Posts |
Posted - 04/23/2010 : 7:47:14 PM
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| Ken, I'll agree these assignments that come in after the "drop dead" time that you surely provided are impossible to complete when the borrower is unwilling to stretch the time slot. Only one thing that I'm wondering about - one hour to print two copies of the docs? What the heck are you using for a laser printer that is so slow - that's about 4.5 pages a minute? |
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edelske
New York
815 Posts |
Posted - 04/23/2010 : 2:04:56 PM
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"Docs will come tonight for tomorrow 10AM signing" is the start of the story. Nothing for hours, call at 8PM, nobody knows a thing, all are "off duty" or left. Next day, nothing comes by 9AM. Borrower was definitive that 11:30 is last possible minute he was willing to be "at the table", and would leave at 11:31 - no matter what. Docs arrive at 10:01AM with new scheduled time of 10:30, and insist the usual 2 sets be printed. It generally takes me an hour to print 2 sets and review the various instruction sheets. Prism is well aware that I have about an hour travel from upper Manhattan to "Ground Zero" area - with the slowest possible traffic. Typically, I must allocate (expecially for a 135 page package) an hour for the borrower to sign. SO:
Print from 10:01 to 11:01
Drive from 11:01 to 12:01 (oops borrower left half hour ago)
Do signing from 12:01 to 1:01
Prism Title at 10:15 insists that I do signing despite the totally impossible timeframe. I remind them that the borrower will leave PROMPTLY at 11:31. They say "You are under contract, we will see to it that you lose your notary license for breach of contract". I get a call from the Lending Institution, who very reasonably agrees with me that, considering the borrowers timeframe, the job is impossible. However, Prism Title calls me 3 more times (now after 11AM) to insist that I be there and complete the job. Well, I really don't expect to lose my notary commission because I could not do the impossible!
Kenneth A Edelstein
Mobile Notary, Apostille / Legalization Processing & Fingerprinting
http://www.kenneth-a-edelstein.com |
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