Cassondra R Reus-Johnson

**** ******* ****

Knoxville, TN 37931

Cell: 865-***-****

E-mail: ac8c5r@r.postjobfree.com

Summary

Enthusiastic, self-motivator with 20+ years of advanced knowledge and experience in many facets of the real estate industry. Exceptional customer service and problem-solving skills with a proven ability to multi-task in a fast pace work environment. CARDINAL FINANCIAL COMPANY, LP. CHARLOTTE, NC. SEPT 2018 – JAN. 2019 Peoples Home Equity merged with this company Aug. 2018 Worked Remotely from home

Settlement Specialists

• Prepare closing documents for multiple loan programs including Conventional, FHA, VA, Rural Development, and various DPA programs nationwide for retail loan closings.

• Provide customer service to all external and internal customers to ensure a smooth loan process.

• Completed requested work steps within the Octane LOS

• Coordinated/Confirmed Closing dates/time and location for Consumer Direct loans with Borrower and Settlement Provider

PEOPLE’S HOME EQUITY, KNOXVILLE, TN SEPT 2015 – AUG 2018 Formed in 2001, Peoples Home Equity, Inc. is dedicated to the simple goal of helping Americans achieve the dream of responsible home ownership offering fully functional Conventional and Government HUD-approved lender that closes two billion dollars in mortgage loans annually. Mortgage Loan Closer

• Closes on average 80+ loans a month in multiple states including dry states.

• Prepare closing documents for multiple loan programs including Conventional, FHA, VA, Rural Development, and various DPA programs nationwide for retail loan closings.

• Perform compliance checks to include SAFE Act, MDIA/TILA, RESPA, HMDA and broker compensation.

• Partner between sales, underwriting, processing and closing to create team work moral.

• Perform audits on file before clear to close is given to ensure accuracy prior to closing the loan such as Loan Estimate and Closing Disclosure compliance reviews.

• Review and audit complete loan file for loan closings to ensure conditions and guidelines have been met prior to authorizing funding of the loan.

• Provide customer service to all external and internal customers to ensure a smooth loan process.

• Cross trained in various aspects of the company.

• Solve closing problems with loan originator and title companies quickly and professionally.

• Work closely with post-closing department to meet investor purchasing deadlines. THE LOREN RIDDICK TEAM WITH PEOPLE’S HOME EQUITY, KNOXVILLE, TN DEC 2006 – SEPT 2015 **PROMOTION

The Loren Riddick Team of Peoples Home Equity, Inc. dba United Capital Lending has provided Blount County with “home town superior customer service” for over 20 years. OFFICE MANAGER/LOAN PROCESSOR

• Addressed and resolved customer product complaints, defusing volatile customer situations empathetically and professionally. Investigated and corrected errors upon customers' request, according to records.

• Answer clients' questions about the purposes and details of financial plans and strategies

• Provided support to the loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages.

• Processed challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories) walking the borrower thru every step of the process to ensure they have the best closing experience possible.

• Ordered, reviewed, and/or completed various reports pertaining to all aspects of a mortgage loan

• Review and verify borrowers’ income, credit reports, employment histories, property appraisals, and title insurance information to prepare the loan applications for underwriting submittal.

• Ensure compliance with company policies, underwriting guidelines, and secondary lending program requirements.

• Performed audits on file before clear to close is given to ensure accuracy prior to closing the loan.

• Outperformed company average in achieving loan processing turn-around time of 30 days or less

(compared to typical 60 days).

• Regarded as one of the company’s most productive loan processors, handling an average of 22 files monthly.

• Outperformed company average in achieving loan-processing turn-around time of 12 days or less

(compared to typical 15 to 20 days).

Education

GRADUATE OF EUSTIS HIGH SCHOOL (1991)

1300 WASHINGTON AVENUE

EUSTIS, FL. 32726

Technical Skills

Microsoft Office, Microsoft Word, Microsoft Excel, Microsoft Power Point, Microsoft Outlook, Avista Solutions, DocMagic, Mortgagebot, Encompass, AS400, Paylocity Payroll, Octane

Contact this candidate