Christie Kapusta
Rockledge,FL
Summary
Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
17
17
years of professional experience
Work History
OWNER/LANDLORD OF RENTAL PROPERTY
Chicopee, MA
02.2022 - Current
- Collect monthly rental fees
- Respond to tenant needs and requests in a prompt and timely manner
- Schedule repairs as necessary Enforce lease agreements and homeowner association rules
- Follow up on delinquencies.
RESIDENTIAL UNDERWRITER
People’s United Bank
Hartford, CT
01.2016 - 06.2021
- Prepared reports on assessment findings
- Made loan eligibility decisions and approved or rejected applications
- Ensured compliance with regulatory standards and company policies and guidelines
- Documented and effectively communicated reasons for the approval/rejection of loans
- Transitioned from consumer and small business underwriting to residential mortgage underwriting during an acquisition; within 6 months, gained approval authority in the amount of $600K.
- Gathered and analyzed information to determine risk acceptability.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Utilized diverse data tools and processes to analyze, interpret and manage data.
SMALL BUSINESS/CONSUMER UNDERWRITER
United Bank
Hartford, CT
01.2018 - 01.2019
- Calculated, analyzed, evaluated, and made independent decisions on credit, income, assets and risk to determine the income or probability of repayment for loan requests
- Communicated the decisions of all credit applications to the appropriate parties (Customers, Loan Officers,
- Managers, etc.)
- Provided loan support to all loan officers; maintained a pipeline of 90 plus loans
- Knowledgeable of all Bank lending policies and procedures, State and Federal lending laws, guidelines and regulations
- Expedited turn times of 24-48 hours to maintain or exceed production quality.
JUNIOR UNDERWRITER
United Bank
Hartford, CT
01.2016 - 01.2018
- Performed research functions from various sources that supported the due diligence of the Underwriters
- Prepared preliminary underwriting loan file set-ups
- Provided administrative assistance to the Pipeline Coordinator
- Assisted Underwriters and Underwriting Managers with special projects as directed
- Maintained and adhered to internal compliance policies and procedures.
- Gathered and analyzed information to determine risk acceptability.
CONSUMER PROCESSOR
MORTGAGE, CLOSER – PeoplesBank
Holyoke, MA
01.2010 - 01.2016
- Answered questions and advised customers regarding loans and transactions.
- Worked with loan officers, attorneys, title company representatives, appraisers and customers to facilitate smooth and timely loan closings.
- Ordered and prepared documents necessary for loan to close in compliance.
- Cross-trained within the team for backup coverage.
- Filed and maintained loan records.
Loan Servicing Associate
PeoplesBank
Holyoke, MA
01.2009 - 01.2010
Teller
PeoplesBank
Holyoke, MA
01.2008 - 01.2009
Automotive Sales
Balise Ford
Wilbraham, MA
01.2006 - 01.2008
Education
Diploma -
Gateway Regional High School
Financial Services Certificate – Center for Financial Training -
Skills
- Laws and Regulation
- Data Management
- Organizational Skills
- Relationship Building
- Problem Resolution
- Reliable & Trustworthy
- Computer Skills
- Customer Service
- Critical Thinking
- People Skills
Timeline
OWNER/LANDLORD OF RENTAL PROPERTY
02.2022 - Current
SMALL BUSINESS/CONSUMER UNDERWRITER
United Bank
01.2018 - 01.2019
RESIDENTIAL UNDERWRITER
People’s United Bank
01.2016 - 06.2021
JUNIOR UNDERWRITER
United Bank
01.2016 - 01.2018
CONSUMER PROCESSOR
MORTGAGE, CLOSER – PeoplesBank
01.2010 - 01.2016
Loan Servicing Associate
PeoplesBank
01.2009 - 01.2010
Teller
PeoplesBank
01.2008 - 01.2009
Automotive Sales
Balise Ford
01.2006 - 01.2008
Diploma -
Gateway Regional High School
Financial Services Certificate – Center for Financial Training -
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