Cassandra's resume
Resume:
CASSANDRA DENNIS
Dallas, TX. 75287
Home Phone # 214-***-**** Cell 972-***-****
Email: *********.******@*****.***
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SUMMARY:
Results-oriented mortgage professional with 13+ years of Mortgage Processing, Account Management and Account Executive experience. Strong computer skills utilizing Microsoft Office tools (Word, Excel, PowerPoint, etc). Seeking a challenging position within a quality service oriented company that will enable growth and opportunity for me to fully utilize my strong organizational skills and training to enhance my continued career development.
EXPERIENCE:
Fannie Mae/Apex Systems Contract- May 2011- Present
QC Project Specialist
• Audit loans submitted by Fannie Mae’s vendors on a daily
• Acts as a liaison between the Underwriting Support and the Underwriters
• Notating all Core Document errors the vendors may have missed while submitting the file to Fannie Mae such as Appraisals, Credit Reports, Loan Applications, TIL (Truth in Lending), etc on Fannie Mae’s QC spreadsheet
• Paying very close attention to detail confirming accuracy of data such as loan amount, appraised values, addresses, note rates, etc.
• Moving within work assignments as well as Identify loans that have been uploaded incorrectly and placed in the wrong file queue by the vendor.
• Process electronic loan files along with the preparation of data and research for delivery to underwriting
Nationstar Mortgage/Disys Contract- November 2010- January 2011
Loan Processor
• Acts as a liaison between the loan officer and the loan underwriter to ensure that information and documentation required for loan approval are obtained in a timely manner in accordance with company policy.
• Performed the processing of mortgage loan files while maintaining strict compliance with RESPA, Section 32 and HMDA .
• Preformed any administrative duties needed to keep file in line with processing (i.e. faxing, copying, filing and phone support)
• Provided strong communication and support to underwriting, mortgage professionals and customers to move files quickly into underwriting to ensure a quick turnaround time.
• Gathered credit and other documents from the customer and third parties in support of the loan approval decision.
• Entered loan information into Nationstar Mortgage computer system (TMO)
• Processed Conventional and FHA loans and obtained FHA case #’s & FHA Caivrs through FHA Connections for government loans
• Stacked and processed each loan according to conditions received
Property Tax Solutions
Processing Manager February 2008- Sept. 2010
• Responsible for processing all incoming residential and commercial tax loans submitted by phone or via the web
• Would process all loan Modifications while offering excellent customer service to the borrower
• Provide strong communication and support to the loan officer and customers to clear stipulations needed for property tax loan files to ensure a quick turnaround
• Communicate daily with the borrower to inform them of the loan status
• View all title, credit, hazard, (homeowners insurance) CAD’s, (County Appraisal District) VOE, VOR/VOM on a daily basis to insure the borrower is within guidelines
• Scheduling borrowers for closings/doc signing
• Would sometime meet with the borrowers for closing which consist of doc signing and notarizing the docs after the borrowers has signed
• Doing (Drive by) Inspections that consist of street view photos, property view photos and surrounding view photos
• Software used Calyx, Encompass and Access
Aegis Mortgage (DEFUNCT) January 2007- June 2007
Senior Loan Processor III
• Established relationships with the Realtor/Builder community with demonstrated ability to interact effectively with these customers and other business partners
• Deliver strong customer service and results while working in a fast-paced environment while maintaining a high level of customer service
• Worked closely with the Underwriters, Account Executives, and the brokers.
• Communicated with broker/processor when conditions were still outstanding
• Verify customer income documentation
• Add/clear underwriting conditions when needed.
• Processed Conventional, Jumbo, FHA and VA loans
• Software used Calyx, and LP
Countrywide Home Loans February 2006 – December 2006
Home Loan Consultant-Consumer Markets Division
• Received comprehensive training of Consumer Market Division’s proven business strategies, policies & procedures
• Established relationships with the local Realtor/Builder community with demonstrated ability to interact effectively with these customers and other business partners
• Work closely with a team of loan specialists and underwriters to ensure strong customer service
• Deliver strong customer service and results while working in a fast-paced environment
• Provide excellent verbal/written communication, presentation and organizational skills to customers
Account Executive-Full Spectrum Lending
• Received comprehensive training of Full Spectrum Lending's proven business strategies, policies & procedures
• Strong and thorough working knowledge of the lending process.
• Handle loan inquiries from a variety of sources including both inbound telephone inquiries and outbound calling.
• Focus on refinance lending to meet the vast array of homeowners needs
• Work closely with a team of loan specialists and underwriters to ensure strong customer service
• Deliver strong customer service and results while working in a fast-paced environment
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Available Mortgage (DEFUNCT) September 2005- December 2005
Account Manager III
• Responsible for reviewing broker’s credit and 1003 to provide a pre-qualification (pre-approval) along with a set of conditions that would have to be met in order to obtain a loan
• Communicate with the broker to inform them of loan process and sending out the approval or denial.
• Calculate debt-to-income ratios necessary to close the loan
• View and clear conditions such as title, hazard insurance, purchase contracts and payoff statements for potential customers
• Order flood, Dissco, (finding report) and update credit
• Complete the Quality Control process to provide the most efficient method of closing the loan as quickly as possible
• Processed Conventional, Jumbo, FHA & VA loans
• Handled a pipeline of 50+ loans for 4 Account Executive/Loan Officers
• Software used Calyx and LP
Sebring Capital (DEFUNCT) February 2001 – September 2005
Senior Account Manager
• Responsible for reviewing loan request forms which delineates the type of loan program, yield spread, property, etc. that the customer shows interest in.
• Review broker’s credit and 1003 to provide a pre-qualification (pre-approval) along with a set of conditions that would have to be met in order to obtain a loan.
Communicate with the customer to inform them of the loan process and promptly send out a pre approval or denial decision.
• Work closely with 6 different Account Executives from Tennessee, Texas, Oklahoma, Atlanta and Mississippi
• monitored my Account Executives’ pipeline on a daily basis
Communicate with all brokers on a daily basis to provide strong account management
• Verify customers income documentation and resolves title issues including vesting issues, child support liens, and judgment liens
• Processed conventional, FHA and VA loans
• Input all loans into DU or LP
• Handle an average of 75+ loans for 6 Account Executives
• Software used LPI & LPII
Sebring Capital
Underwriting Production Specialist
• Worked closely with the Underwriters, Account Executives, and the brokers.
• Completed all verbals including VOR’s, VOE’s and VOD’s.
• Reviewed and cleared conditions such as, homeowners insurance, brokers’ fees and bank statements.
• Researched tax information, calling on pipelines of several different Account Executives, matching incoming conditions and making sure files are turned in the correct time frame.
• Communicated with broker/processor when conditions were still outstanding.
o Faxed and or called on IRS 8821 and 4506T.
• Input all provided information from the 1003 into Sebring’s LP system (FICS) and prepared the file for closing.
Sebring Capital
Document Control Coordinator
• Established new submissions by generating credit reports
• Matched incoming conditions to loans that were in process.
Option One Mortgage January 1998 – February 2001
Loan Setup
• Responsible for preparing file folders for all incoming loan applications
• Entered the loan information into the automated underwriting system
• Generated credit reports
• Communicated with Account Executives regarding their pipelines
• Made status calls and answered status questions as needed
Other Qualifications Notary Public
References: Available Upon Request
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