Cassie Haley
Summary
Well-qualified administrative team member bringing demonstrated knowledge and abilities in loan processing. Effective at organizing paperwork, resolving discrepancies and working with third-party vendors to clear issues and completing closings. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
14
14
years of professional experience
Work History
Mortgage Loan Processor
USF Federal Credit Union
10.2022 - Current
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Set up and completed loan submission packages.
- Prepared file for final clear-to-close by branch management.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Communicated with originator and applicant concerning progress of loan file.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Processed mortgage loan applications accurately and successfully for over 2 years.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
Senior Universal Banker
USF Federal Credit Union
02.2022 - Current
- Trained and mentored junior banking staff to maximize performance, efficiency, and compliance.
- Balanced teller drawers and ATM cash.
- Checked accounts for fraud and provided law enforcement with relevant details.
- Cross-sold credit cards, loans and other bank products.
- Calculated fees due, interest and change for customer transactions.
- Counted, verified and handled bank deposits and armored car transactions.
- Processed applications for new accounts.
- Assisted customers with banking needs and inquiries.
- Monitored and verified suspicious activity on customer accounts.
- Executed wire transfers, stop payments and account transfers.
- Established rapport with new clients to increase satisfaction and loyalty.
- Arranged monies received in cash boxes and coin dispensers according to denomination.
- Performed account maintenance by closing out accounts and changing customer addresses.
- Handled various accounting transactions.
- Maintained friendly and professional customer interactions.
- Processed wide variety of retail banking transactions for personal and commercial customers.
Operations Manager
USTG Concrete
10.2020 - 02.2022
- Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines.
- Introduced new methods, practices, and systems to reduce turnaround time.
- Devised processes to boost long-term business success and increase profit levels.
- Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
- Developed and maintained relationships with external vendors and suppliers.
- Identified and resolved unauthorized, unsafe, or ineffective practices.
- Developed and implemented strategies to maximize customer satisfaction.
- Increased profit by streamlining operations.
- Developed systems and procedures to improve operational quality and team efficiency.
- Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
- Interacted well with customers to build connections and nurture relationships.
- Built and maintained company website (USTGconcrete.com) as well as all social media marketing and google ads.
-
Senior Consumer Loan Officer
One Main Financial
04.2017 - 10.2020
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Collaborated with other departments to promptly process loan applications.
- Advised clients on mortgage, education and personal loans.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Developed strong relationships with customers through high levels of customer service.
- Examined customer loan applications for loan approvals and denials.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Assisted customers with completing loan applications and other paperwork.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assessed loan portfolios for compliance with underwriting policies.
- Explained very technical financial information to applicants in easy to understand language.
- Monitored pipelines to track and log status of loans.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Processed loan applications and monitored progress from start to finish.
DOE Account Specialist
Windham Professionals Inc.
01.2016 - 01.2017
- Adhered to standards of quality and service as well as all compliance requirements.
- Set up new customer accounts and updated existing profiles with latest information.
- Obtained pricing deals, negotiated contracts, and solidified beneficial agreements on defaulted student loans.
- Monitored expenses to verify appropriate resource use and achieve budgets.
- Processed garnishment orders when consumer failed to comply with program agreement,
- Built strong relationships with clients, vendors and stakeholders for loyal, profitable accounts.
- Developed, maintained and utilized diverse client base.
Team Lead Supervisor
GreenTree Servicing Dba Ditech Financial
01.2011 - 11.2015
- Trained all new hires by relaying information on company procedures and account maintenance.
- Evaluated employee skills and knowledge regularly, training, and mentoring individuals with lagging skills.
- Coached team members in techniques necessary to complete job tasks.
- Developed monthly and daily production output plans to deliver on customer service and financial metrics.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Promoted high standards through personal example to help each member understand expected behaviors and standards.
- Assisted in recruitment to build team of top performers.
- Managed leave requests and absences and arranged covers to facilitate smooth flow of operations.
- Managed schedules, accepted time off requests and found coverage for short shifts.
- Worked different stations to provide optimal coverage and meet production goals.
- Maintained a portfolio of over 10 million in 1st, 2nd and mobile home mortgages at the 30+ delinquency levels.
- Negotiated payment arrangements with the goal of keeping the borrower in their home and foreclosure at a minimum.
- Co-managed open portfolio's to assist with end of the month goals.
- Utilized all available skip tracing tools to obtain location information on defaulted mortgage loans.
Education
Notary - FL Notary Services
National Notary Association
Chatsworth, CA09.2022
NMLS Course - Mortgage Lending
Florida Mortgage Broker School
Tampa, FL01.2022
Cosmetology License - Cosmetology Education
PJ's College of Cosmetology - Bowling Green
Bowling Green, KY01.2007
High School Diploma -
Franklin Simpson High School
Franklin, KY06.2006
Skills
- Appraisals
- Application preparation
- Residential mortgage lending regulations
- Title Examination
- Pipeline Management
- Information Verification
- Financial document review
- Document Review
- Underwriting knowledge
- Created reports
- Processing procedures
- Contract finalization
Additional Information
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Timeline
Mortgage Loan Processor
USF Federal Credit Union
10.2022 - Current
Senior Universal Banker
USF Federal Credit Union
02.2022 - Current
Operations Manager
USTG Concrete
10.2020 - 02.2022
Senior Consumer Loan Officer
One Main Financial
04.2017 - 10.2020
DOE Account Specialist
Windham Professionals Inc.
01.2016 - 01.2017
Team Lead Supervisor
GreenTree Servicing Dba Ditech Financial
01.2011 - 11.2015
Notary - FL Notary Services
National Notary Association
NMLS Course - Mortgage Lending
Florida Mortgage Broker School
Cosmetology License - Cosmetology Education
PJ's College of Cosmetology - Bowling Green
High School Diploma -
Franklin Simpson High School
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