Cathleen Vanasse
Hurricane,UT
Summary
Goal-oriented individual versed in greeting high-volume of customers and recommending merchandise based on individual requirements. Skilled at creating displays to promote higher sales, completing cash register transactions and maintaining accurate records of all transactions.
Overview
38
38
years of professional experience
Work History
Sales Associate
Dixie Nutrition
06.2024 - Current
- Accurately processed POS transactions, returning coin, currency, payment cards, and receipts to customers.
- Engaged in friendly conversation with customer to better uncover individual needs.
- Created inviting environment for customers by maintaining store organization and cleanliness.
- Organized racks and shelves to maintain store visual appeal, engage customers, and promote specific merchandise.
- Helped customers locate products and checked store system for merchandise at other sites.
- Solved customer challenges by offering relevant products and services.
- Managed returns, exchanges and refunds in accordance with store policy.
- Educated clients on current promotional offerings and products using persuasive selling tactics.
- Rotated stock and restocked shelves to maintain product availability and store appearance.
- Built relationships with customers to encourage repeat business.
- Provided positive first impressions to welcome existing, new, and potential customers.
- Used in-store system to locate inventory and place special orders for customers.
Mortgage Lending - Various Positions
Various Employers
03.1988 - 09.2012
- Proved successful working within tight deadlines and a fast-paced environment.
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
- Organized and detail-oriented with a strong work ethic.
- Developed and maintained courteous and effective working relationships.
- Resolved problems, improved operations and provided exceptional service.
- Excellent communication skills, both verbal and written.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Skilled at working independently and collaboratively in a team environment.
- Paid attention to detail while completing assignments.
- Worked effectively in fast-paced environments.
- Successfully managed team of 9-16 staff, providing assistance and answering questions.
- Adhered to all applicable compliance and regulatory requirements.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Verified integrity of applicants' information to minimize fraud.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Processed loan applications and monitored progress from start to finish.
- Compiled closing packages for drafting and presentation accuracy.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Set up and completed loan submission packages.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Handled any conditions sent from underwriting departments.
- Communicated with originator and applicant concerning progress of loan file.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Processed mortgage loan applications accurately and successfully for over 20 years.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Reviewed and validated details of loan applications and closing documentation.
Education
Associate of Science - Business Administration
Milwaukee Area Technical College
Mequon, WI04-1997
Skills
- Store opening and closing
- Friendly and outgoing
- Reliable and punctual
- Goal oriented
- Positive and professional
- Policy and procedure adherence
- Problem-solving
- Cash handling accuracy
- POS system operation
Timeline
Sales Associate
Dixie Nutrition
06.2024 - Current
Mortgage Lending - Various Positions
Various Employers
03.1988 - 09.2012
Associate of Science - Business Administration
Milwaukee Area Technical College
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