High School Sales
Resume:
CASSANDRA SPINKS
Richmond, VA 23231
*********@*****.***
SUMMARY
A results oriented Administrative professional with a broad background in
the mortgage loan industry. A quick learner with a record of adapting to
new situations. Recognized as, an effective team player who also works
well independently. Detailed oriented with strong analytical skills.
Possessing an outstanding record in client relations and setting
priorities.
PROFESSIONAL EXPERIENCE
2013. SunTrust Mortgage Inc, Glen Allen, VA
Loan Processor III
Prepare loan application file for submission to the underwriting
department.
. Contact customer to update progress on loan and request
additional documentation if required.
. Update processing system with income, asset and property
information.
. Verify all DTI/LTV/CLTV are within secondary market guidelines
. Scheduled closing with settlement agent and customer.
2009. Spherion/ The Mergis Group, Richmond, VA
Credit Analyst
Analyzed the Core Logic Report,, to compare with nearby sales
property values versus Appraisals.
. Worked closely with Sun Trust Mortgage Bank branch managers to
ensure the property was not in a declining market.
. Confirmed that Title was in borrowers name and made sure there
was no Notice of Default on subject property.
. Advised processor if AVM was out of tolerance or if a completed
certification was needed.
. Verified credential if borrower was a foreign national.
2007. Saxon Mortgage, Inc., A Morgan Stanley Co. Richmond, VA
Underwriter
Analyzed loan files for approval in accordance with underwriting
guidelines, to meet standard provided by underwriting department.
. Counseled and advised Brokers regarding status of loan being
processed.
. Evaluated client's credit to determine quality and risk to
Saxon, while maintaining productivity levels and deadlines.
. Structured loan for unique program requirements.
Closer
Reviewed title, hazard/ flood insurance policies and settlement
statements for data integrity and to ensure loan packages meet
state, federal and company requirements.
. Prepared closing packages to send to Settlement agent.
. Provided back up in Funding and Post Closing area when needed.
. Instrumental in testing of new network-based program to send
documents electronically.
. Ensured that final title policy was clear of exceptions and
proper lien position.
Asset Review Specialist II
Reviewed collateral and servicing closing files to insure
completeness and forwarded documents to our Servicing Department
for follow up.
. Audited loan file for data integrity and compliance to investor
requirements.
. Set up loan files for Servicing.
. Assisted the funding department in capturing and crediting over
payment to clients.
ADDITIONAL EXPERIENCE
Held positions in increasing responsibility in the area of retrieving
credit report, applying credits to accounts and closing accounts upon
request.
EDUCATION
Armstrong High School, Richmond, VA
Office Technology II ECPI, Richmond, VA
COMPUTER SKILLS
MS Office (Outlook, Word, Excel), Mortgage integration system, Unisys,
Elynx, Adobe Acrobat and Gallahger
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