Loan Processor Mortgage

Cassi Patterson

Davis CA ***************@*****.*** 530-***-****

Mortgage, Loan, and Escrow Professional with over 20 years of direct experience. History reviewing, processing, and closing Conventional, FHA, VA, USDA, Reverse, Jumbo, and Portfolio mortgage loans. Experience working with DU/DO and LP systems. Proven ability to complete high volume of loans with little to no discrepancies under challenging deadlines to exceed client expectations. Powerful oral and written communication, collaboration, negotiation, and organizational skills. Proven track record of sustained productivity and efficiency in autonomous environments. I am known for my enthusiastic and pro-active approach to work. I am positive and determined with all projects I start and finish. I close loans.

Mortgage and Loan Experience

FGMC/Good Mortgage Sr Loan Processor 11/15/2021 - 4/27/2022 Working remote - using Encompass - Conv FHA VA refis and purchases

• Gather all credit, income, title, escrow, asset, property documentation to ensure complete,

verified, and compliant data.

• Review client files for potential credit, income, tax, title, and property discrepancies to eliminate

issues in underwriting; quickly and accurately resolve issues with credit, tax liens, self-

employed borrowers, tax returns, title and investment properties to ensure full funding

• Keeping an eye on documents ensuring file is up to date with no expiring docs during the loan

process

• Ability to think on my feet if problems arise to rework or restructure a loan that follows the

guideline and satisfies the borrowers needs

• Manage loan process and projects to ensure quick and accurate closings, assist with CD,

funding and any post-closing issues

Golden 1 Credit Union Sr Loan Processor 6/1/2021 – 11/13/2021

Working remote - Using Encompass - Conv refis and purchases

• Gather all credit, income, title, escrow, asset, property documentation to ensure complete,

verified, and compliant data.

• Review client files for potential credit, income, tax, title, and property discrepancies to eliminate

issues in underwriting; quickly and accurately resolve issues with credit, tax liens, self-

employed borrowers, tax returns, title and investment properties to ensure full funding

• Keeping an eye on documents ensuring file is up to date with no expiring docs during the loan

process

• Ability to think on my feet if problems arise to rework or restructure a loan that follows the

guideline and satisfies the borrowers needs

• Manage loan process and projects to ensure quick and accurate closings, assist with CD,

funding and any post-closing issues

Mason McDuffie Mtg Corp Corporate Loan Processor

4/6/2020-5/29/2021

• Working remote - Using Encompass - Conv FHA, VA, USDA, CALHFA and other programs for refis and purchases

• Maintaining a pipeline of 50+ loans (so much more in 2020, but this is a productive work load for me)

• Gather all credit, income, title, escrow, asset, property documentation to ensure complete, verified, and

compliant data.

• Review client files for potential credit, income, tax, title, and property discrepancies to eliminate issues in

underwriting; quickly and accurately resolve issues with credit, tax liens, self-employed borrowers, tax

returns, title and investment properties to ensure full funding

• Keeping an eye on documents ensuring file is up to date with no expiring docs during the loan process

• Ability to think on my feet if problems arise to rework or restructure a loan that follows the guideline and

satisfies the borrowers needs

• Manage loan process and projects to ensure quick and accurate closings, assist with CD, funding and

any post-closing issues

Capital Mortgage Consultants, Davis, CA Sr Loan Processor/ Office Manager 2005 – 4/2020

• Using Calyx Point

• Process and close loans, serving as sole processing professional serving in high-volume mortgage office

that has been consistently the top producer in the company; maintain high accuracy rate for complete credit packages with appropriate disclosures, credit items and TRID, completing in a timely manner ensuring on time closing.

• Gather all credit, income, title, escrow, asset, property, and lender disclosure information, input data in to processing system and ensure complete, verified, and compliant data.

• Review client files for potential credit, income, tax, title, and property discrepancies to eliminate issues in underwriting; quickly and accurately resolve issues with credit, tax liens, self-employed borrowers, tax returns, title, manufactured homes, appraisal rebuttals, and investment properties to ensure full funding.

• Manage loan process and projects to ensure quick and accurate closings, continuously closing loans in less than 30 days; assist lenders with any post-closing problems, ensuring closed loans are saleable to Fannie Mae and Freddie Mac.

• Collaborate with over 70 different lenders on conventional, FHA, VA, USDA, Reverse, Jumbo, Portfolio, and Construction loans; knowledge of unique processes allows for accuracy with varying lender portals.

• Represent employer at various home shows and expos to answer questions and explain the mortgage loan process, securing multiple leads for loan officer

Additional Professional Experience

Royal Bank of Canada Folsom, CA Sr. Loan Processor 2002 - 2005 Executive Funding Placerville, CA Sr. Loan Proc 2000 - 2002 Spectrum Mortgage El Dorado Hills, CA Loan Proc 1998 - 2000 Golden Bear Mortgage Fair Oaks, CA Jr Loan Proc 1994-1998 John Natsoulas Gallery Davis, CA Gift store manager 2007 – 2010• Led administrative and organizational tasks within gallery and gift store; contributed to setup and breakdown of exhibits and special gallery events.

Education

Mortgage Loan Processing Certification

Phoenix Schools

Associates Degree Business, Art History Sacramento City College

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