Cassandra Smith
Saratoga Springs,NY
Summary
Detail-oriented Senior Mortgage Processor with 25 years of experience in managing loan pipelines and facilitating closings. Expertise in credit, income, and asset verification across various loan products, including USDA, VA, FHA, and Conventional. Skilled in acquiring customer documentation and coordinating with stakeholders to ensure successful loan completion.
Overview
25
25
years of professional experience
Work History
Senior Mortgage Processor
Owner's Choice Funding
Albany, NY
08.2025 - 05.2026
- Reviewed borrower documentation to ensure compliance with lending guidelines.
- Processed mortgage applications efficiently and accurately for diverse clients.
- Verified accuracy of data entered into automated underwriting systems such as Fannie Mae DU, LP or Freddie Mac LP, DO.
- Coordinated with lenders, title companies, appraisers, and attorneys to ensure timely completion of all transactions.
Senior Mortgage Processor
Trustco Bank
Albany, New York
04.2024 - 08.2025
- Managed daily loan processing and pipeline oversight.
- Conducted thorough reviews of loans for credit, income, and asset verification.
- Acquired necessary customer documentation to facilitate successful loan closings.
- Initiated and analyzed appraisal reports.
Senior Mortgage Processor
Arrow Bank
Glens Falls, NY
11.2022 - 04.2024
- Oversaw daily loan processing and pipeline management.
- Liaised with customers, loan officers, settlement agents, title companies, and insurance companies.
- Issued timely loan estimates to customers reflecting any changes in loan fees.
- Secured essential customer documentation to ensure progression to closing.
Senior Mortgage Processor
Prosper First Capital
Burnt Hills, NY
03.2020 - 07.2022
- Managed daily pipeline operations.
- Processed diverse loan products including USDA, VA, FHA, and Conventional loans.
- Processed loans as a Senior Processor for a mortgage broker, managing the end-to-end processing and closing with multiple lenders.
- Analyzed credit reports to determine borrowers' financial status and capacity to repay mortgage loans.
Closing/Reverse/Processing/Correspondent
M&T Bank
Ballston Lake, NY
11.2001 - 03.2019
- Facilitated seamless closings by effectively communicating with customers, settlement agents, loan officers, and insurance companies to ensure all parties were informed and aligned.
- Coordinated orders for payoffs, title work, homeowner's insurance, flood insurance, and subordinations, ensuring timely availability of essential documents for closing.
- Prepared comprehensive closing documentation.
- Managed and processed loans from CL-7 & Reg B reports within specified timelines.
Education
Dental Assisting Certification -
Hudson Valley Community College
Troy, NY06-1994
High School Diploma -
Stillwater Central School
Stillwater, NY06-1993
Skills
- Mortgage processing
- Loan documentation
- Pipeline management
- Loan processing systems
- Underwriting systems
- Compliance verification
- Credit analysis
- Encompass
- Attention to detail
- Customer service
Timeline
Senior Mortgage Processor
Owner's Choice Funding
08.2025 - 05.2026
Senior Mortgage Processor
Trustco Bank
04.2024 - 08.2025
Senior Mortgage Processor
Arrow Bank
11.2022 - 04.2024
Senior Mortgage Processor
Prosper First Capital
03.2020 - 07.2022
Closing/Reverse/Processing/Correspondent
M&T Bank
11.2001 - 03.2019
Dental Assisting Certification -
Hudson Valley Community College
High School Diploma -
Stillwater Central School