Summary
Overview
Work History
Education
Skills
References
Recognition And Awards
Accomplishments
Timeline
Generic

Carisa Cassanova

Gresham,OR

Summary

Operations Manager with extensive experience in loan underwriting and regulatory compliance at Fairway Independent Mortgage Corporation. Proven track record in risk assessment and process improvement, leading to enhanced productivity and client satisfaction. Expertise in documentation management and employee relations, driving operational success and profitability. Resourceful project manager skilled in navigating fast-paced environments while maintaining operational accuracy and delivering measurable results.

Overview

23
23
years of professional experience

Work History

Operations Manager /Mortgage Loan Processor

Fairway Independent Mortgage Corporation
Clackamas, OR
03.2017 - 04.2025
  • Directed staff operations to maximize productivity and maintain quality standards.
  • Ensured compliance of all files with regulatory requirements.
  • Issued initial and Change of Circumstances loan disclosures efficiently.
  • Underwrote loans for Fannie Mae and Freddie Mac, ensuring accuracy in processing.
  • Processed and reviewed credit, income, and assets for various loan transactions.
  • Managed employee timecards to guarantee timely submission and approval.
  • Collaborated with Loan Officers to gather necessary conditions for transactions.
  • Prepared initial submissions for underwriting while monitoring inventory levels.
  • Collected required documentation from clients, such as proof of income and employment verification.
  • Examined and verified information in loan application and closing documents.
  • Assessed credit reports to determine eligibility for mortgage loans.
  • Monitored loan processing timelines to meet closing deadlines.
  • Submitted completed loan packages to underwriting department for approval or denial decisions.
  • Collaborated with closing agents to schedule and prepare for loan closings.
  • Managed conditions sent from underwriting departments.
  • Filed completed packages quickly and efficiently.
  • Calculated borrowers' income and debt ratios to assess loan eligibility.
  • Ordered appraisals and title services on behalf of borrowers when necessary.
  • Managed communication between loan officers, underwriters, and clients to ensure timely processing.
  • Researched discrepancies in documentation received from applicants or third parties.
  • Compiled documentation required for submission to government agencies for processing.

Operations Manager /Mortgage Loan Processor

Alpine Mortgage Planning/Finance of America
Clackamas, OR
06.2011 - 03.2017
  • Prepared staff schedules and assigned specific duties to enhance operational efficiency.
  • Verified underwriting conditions to ensure accurate loan file submission and approval.
  • Updated mortgage loan files by gathering property appraisals, surveys, and tax records.
  • Responded to customer inquiries regarding loan status, providing timely information.
  • Compiled comprehensive loan submission packages for review and processing.
  • Assembled documents necessary for successful loan closings.
  • Ensured compliance with federal and state regulations throughout loan processes.
  • Analyzed financial data to assess risk factors associated with each loan application.
  • Executive Assistant, June 2011 - October 2011.
  • Transaction Coordinator, October 2011 - February 2013.
  • Jr. Underwriter, February 2013 – 2015.
  • Operations Manager, 2015-2017.

Owner

Wee Care NW
11.2009 - 04.2011
  • Provided quality childcare for children with special needs
  • Responsible for daily documentation & reporting of each child's activities.
  • Planned with parents for future developmental needs & skill sets.
  • Created monthly billing statements and year end tax statements.
  • Assisted parents in finding related programs & funding for their child's specific needs.
  • Primary Curriculum focused on: Social Skills, Emotional Development, Cognitive Abilities & Physical Strengths
  • From a business standpoint, I created this business from the ground up, obtaining all the necessary city, state and federal requirements associated with this type of business

Mortgage Underwriter

Countrywide / Bank of America
Portland, OR
11.2001 - 11.2009
  • Assisted loan officers in structuring the correct type of loan that best fits the needs of the borrower.
  • Completed and sent out initial disclosure packages to borrowers.
  • Reviewed and organized the signed disclosures, and all the verification documents the borrower sent back.
  • Documented and notified borrowers of any incomplete or missing information.
  • Set up correspondence with the title and escrow companies.
  • Requested all order outs, including: preliminary title report, plat map, copies of deeds recorded, CPL, est HUD, wire instructions, payoff statements, appraisals, hazard insurance binder, VOEs, VODs, SS verification, and tax transcripts.
  • Processed and underwrote the borrower's credit profile, income, assets, and the property.
  • Assigned conditions to the loan, as well as reviewed and signed off on conditions.
  • Sent out loan documents to the title company, balanced, and sent wires to escrow.
  • Audited the final loan documents after the borrowers had signed and released the transaction to record.
  • Effectively utilized time management and prioritization skills to organize pipelines, customer files, follow-ups, and overall good customer service to all parties involved in each transaction.
  • CLUES Underwriting Authority
  • Certificate to Underwrite Appraisals.
  • Obtained Level 1, 2, and 3 conventional refer underwriting authority.
  • D.A.P. Decision Authorized Processor & C.A.P. Clearing Authority Processor.
  • Rated #1 in 2007 for quality in all of Countrywide Home Loans.
  • Regional Award for the most consecutive months without any SUS findings (also called post-funding stipulations).
  • Several company awards for the highest number of units closed in a one-month period.
  • Analyzed property appraisals to ensure value and condition meet loan requirements.
  • Developed and maintained professional relationships with real estate agents, loan officers, and other stakeholders.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Verified employment history and income of applicants.
  • Continuously improved underwriting processes through feedback and identification of efficiency gains.
  • Calculated debt-to-income ratios to ensure compliance with industry standards.
  • Verified client financial information to determine creditworthiness and loan eligibility.

Education

High School - General Studies

Gresham High School
Gresham
01.1993

Skills

  • Regulatory compliance
  • Loan underwriting
  • Risk assessment
  • Data analysis
  • Documentation management
  • Process improvement
  • Client communication
  • Team leadership
  • Customer service
  • Attention to detail
  • Employee training and development
  • Time management
  • Employee scheduling
  • Analytical skills
  • Organizational skills
  • Performance evaluation
  • Multitasking ability
  • Financial analysis
  • Employee relations and onboarding

References

Available Upon Request

Recognition And Awards

  • D.A.P Decision Authorized Processor & C.A.P Clearing Authority Processor
  • Rated #1 in 2007 for Quality in all of Countrywide Home Loans
  • Regional Award for most consecutive months without any SUS findings (also called post funding stips)
  • Several Company Awards for the highest amount of units closed in a one month period

Accomplishments

Authorized to review and sign off on conditions for files coming in for the Clear to Close.

Timeline

Operations Manager /Mortgage Loan Processor

Fairway Independent Mortgage Corporation
03.2017 - 04.2025

Operations Manager /Mortgage Loan Processor

Alpine Mortgage Planning/Finance of America
06.2011 - 03.2017

Owner

Wee Care NW
11.2009 - 04.2011

Mortgage Underwriter

Countrywide / Bank of America
11.2001 - 11.2009

High School - General Studies

Gresham High School

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