Cindy Juskus
Lemont,IL
Summary
Forward-thinking team leader, skilled in operating departments efficiently to meet goals, and eliminate costly errors. Managed a team of 180 individuals in compliance, processing, underwriting, and closing, in the United States and India. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Seasoned Mortgage Operations Manager with significant experience in managing mortgage operations, loan underwriting and regulatory compliance. Strengths include strong leadership skills, ability to streamline processes and improve operational efficiency. Contributed to previous roles by enhancing workflow systems, improving customer satisfaction rates, and ensuring adherence to industry regulations.
Overview
13
13
years of professional experience
Work History
FULFILLMENT MANAGER
PRE-APPROVED MORTGAGE
10.2024 - Current
- ENCOMPASS ADMIN, RESPONSIBLE FOR UPDATES, PLUGINS, BUSINESS RULES AND AUTOMATION UPDATES (EPC)
- MANAGING THE DAY-TO-DAY OPERATIONS
- DISCLOSING, PROCESSING, CLOSING AND POST CLOSING FUNCTIONS
- CREATED AND IMPLEMENTED WORKFLOW PROCESSES
- RECONCILE ALL CLOSED LOANS AND PURCHASE ADVICE AND WAREHOUSE BREAKDOWN FROM END INVESTOR
- WORKING WITH STATE AND FEDERAL AGENCIES TO ASSIST IN AUDITS
DISCLOSURE DESK MANAGER
NEW STORY LENDING
07.2023 - 04.2024
- Created and implemented procedures and strategies to accurately and efficiently disclose loan applications
- Conducted internal audits of closed files to validate all compliance requirements were met
- Completed the QC Management report for agencies and end investors
- Determined and initiated strategic business processes for quality control purposes, to boost delivery times and achieve cost-effectiveness in selling our loans
- Collaborated with Encompass IT to implement Encompass changes and workflows within the loan operating system
- Worked directly with state and federal compliance and regulatory agencies to meet requirements and deadlines for quality control audits
- Requested first payments from borrowers, received and recorded the payment
- Reconciled all closed loans and purchase advice from the end investor
- Remitted all FHA upfront MIP and VA funding fees on all closed and serviced loans
Disclosure and Appraisal Manager
Draper And Kramer Mortgage Corp.
Downers Grove, IL
02.2020 - 01.2023
- Engaged employees in business processes with positive motivational techniques
- Resolved various issues impacting sales management and business operations
- Uphold strict compliance with regulatory agencies and supervisors
- Reduced compliance errors from 10.6% to 0 in 90 days
- Maintained friendly and professional customer interactions
- Partnered with IT and other departments to develop business plans with detailed benchmarks
- Assessed employee performance and developed improvement plans
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set
- Created and implemented procedures and strategies to accurately and efficiently disclose loan applications
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA
- Trained team to review appraisals and title documents to verify accuracy and completeness to eliminate delivery issues
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies
- Worked with processing team members to communicate errors and obtain missing information for current applications
- Developed and maintained relationships with investors to drive compliance with guidelines
- Managed a staff of 28, 2 departments
Director of Mortgage Operations
Pinnacle Mortgage Funding
Palatine, IL
03.2015 - 02.2020
- Led, supervised and provided strategic direction for both the sales staff and operations staff
- Boosted customer satisfaction ratings by resolving issues quickly and effectively
- Negotiated contracts, pricing structures and delivery schedules with end investors
- Collaborated within sales team to brainstorm business development strategies and identify customer product needs and preferences
- Maintained excellent customer relationships through consistent delivery on commitments
- Collaborated with executives to develop and execute strategic business plans
- Determined and initiated strategic business for quality control purposes, to boost delivery times and achieve cost-effectiveness in selling our loans
- Conducted audits of internal documents to validate all compliance requirements were met
- Zero repurchase
- Mentored employees and offered constructive feedback for performance improvement
- Rolled out all processes, procedures and policies, which initiated quality control and eliminated errors
- Provided quarterly financial and operational reports on to the CFPB
Forensic Mortgage Underwriter
OPUS Capital Markets Consultants
Lincolnshire, IL
10.2013 - 03.2015
- Determined credit risks by reviewing closed files and comparing data against internal checklists and guidelines
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and financial status
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting the loan, based on the purchasing lenders guidelines
- Reviewed appraisals and title documents to verify accuracy and completeness
- Evaluated loan applications, determining creditworthiness, assessing risk
- Verified integrity of applicants' information to determine fraud and provide written legal reports of findings
Mortgage Operations Team Lead
Accenture
Charlotte, NC
11.2011 - 10.2013
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout the entire mortgage process
- Utilized and trained associates on various financial products and software programs
- Created strong working relationships with loan officers and support staff
- Provided on-going, comprehensive training on home loan products and mortgage process
- Managed a staff of 50, processors, underwriters and closers
Education
High School Diploma -
Oromocto High School
Oromocto, NB Canada05-1982
Skills
- Encompass Loan Operating System Expert
- Mercury-Appraisal Software
- LP and DU
- Condor
- Allregs
- Mortgage Compliance
- Logistics oversight
- Warehouse operations
- Vendor relations
- Quality assurance
- Root-cause analysis
- Vendor management
- Logistics management
Timeline
FULFILLMENT MANAGER
PRE-APPROVED MORTGAGE
10.2024 - Current
DISCLOSURE DESK MANAGER
NEW STORY LENDING
07.2023 - 04.2024
Disclosure and Appraisal Manager
Draper And Kramer Mortgage Corp.
02.2020 - 01.2023
Director of Mortgage Operations
Pinnacle Mortgage Funding
03.2015 - 02.2020
Forensic Mortgage Underwriter
OPUS Capital Markets Consultants
10.2013 - 03.2015
Mortgage Operations Team Lead
Accenture
11.2011 - 10.2013
High School Diploma -
Oromocto High School
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