Highly-motivated with desire to take on new challenges. Strong work ethic, adaptability and exceptional interpersonal skills with relationship building a major strength. Adept at working effectively unsupervised and quickly mastering new skills. Experienced in fast-paced environments and adaptable to last-minute changes. Thrives under pressure and consistently earns high marks for work quality and speed.
Hi, I’m
Cynthia Kaster
Jacksonville,FL
Summary
Overview
18
years of professional experience
1
Certification
Work History
FortegraJacksonville, FL
Workforce Analyst
05.2023 - Current
Job overview
- Created and updated different documents, reports and spreadsheets with software such as Excel.
- Conferred with management to develop or implement personnel policies or procedures.
- Analyzed employment-related data and prepared reports.
- Generated daily, weekly, monthly reports detailing performance metrics.
- Provided recommendations for process improvements related to scheduling, attendance, and hiring practices.
- Maintained a comprehensive database of employee schedules and attendance records.
- Handled all schedule-related requests, including PTO, shift swaps and overtime.
American Pacific Mortgage CorporationJacksonville, FL
Loan Officer
03.2023 - 05.2023
Job overview
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Gathered client debt, credit and income information to determine loan eligibility.
- Submitted applications to credit analysts.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Well versed in FHA, VA, USDA, FannieMae, FreddieMac and Hud federal housing guidelines.
Polaris Home Loans/LeaderOne FinancialJacksonville, FL
Mortgage Loan Officer
03.2022 - 01.2023
Job overview
- Polaris Home Loans restructured it's business model and merged with LeaderOne Financial with same duties.
- Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
Carrington Mortgage Services, LLCJacksonville, FL
Senior Loan Officer
07.2015 - 03.2022
Job overview
- Same duties as above. Achievements are earning a seat at the Circle of Excellence in 2017 and being top 10% of sales force in 2017 and 2019-2021.
Carrington Mortgage Services, LLCFishers, IN
Supervisor, Home Retention
03.2013 - 03.2015
Job overview
- Monitored employee productivity to provide constructive feedback and coaching.
- Complied with company policies, objectives and communication goals.
- Provided ongoing training to address staff needs.
- Established and enforced clear goals to keep employees working collaboratively.
- Reviewed completed work to verify consistency, quality and conformance.
- Resolved customer complaints and adjusted policies to meet changing needs.
- Identified and corrected performance and personnel issues to reduce impact to business operations.
- Coached staff members to develop long-term career goals.
- Interviewed applicants, recommended individuals for hiring and evaluated staff performance.
- Evaluated processes and employee strengths to realign workflows with changing business demands.
- Utilized document management system to organize company files, keeping up-to-date and easily accessible data.
- Identified areas for improvement, narrowing focus for decision-makers in making necessary changes.
- Displayed strong telephone etiquette, effectively handling difficult calls.
Carrington Mortgage Services, LLCFishers, IN
Home Retention Specialist
01.2008 - 03.2013
Job overview
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Updated client account information and records in company databases.
- Informed customers of loan application requirements and deadlines.
- Stayed abreast of lending regulations, industry trends and market rates.
- Identified valuable solutions for customers with credit problems.
- Set up debt payment plans based on client credit, income and assets.
HSBCCarmel, IN
Loss Mitigation Specialist
03.2006 - 01.2008
Job overview
- Verified income of borrower and gathered credit information.
- Put together and sent out reinstatement and payoff quotes.
- Worked with customers to put together plans focused on retaining property ownership.
- Updated client account information and records in company databases.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
Education
Indiana Wesleyan UniversityIndianapolis, IN
Associate of Science from Business
03.1997
University Overview
Skills
- Customer Relations
- Relationship building
- Loss Mitigation
- Home Retention (single point of contact)
- Report Preparation
- Adaptability and Flexibility
- Time Management
- Microsoft Office (emphasis in Excel)
Certification
- Licensed Real Estate Agent- 2023
- Safe Act of 2008/NMLS #334577
Timeline
Workforce Analyst
Fortegra
05.2023 - Current
Loan Officer
American Pacific Mortgage Corporation
03.2023 - 05.2023
Mortgage Loan Officer
Polaris Home Loans/LeaderOne Financial
03.2022 - 01.2023
Senior Loan Officer
Carrington Mortgage Services, LLC
07.2015 - 03.2022
Supervisor, Home Retention
Carrington Mortgage Services, LLC
03.2013 - 03.2015
Home Retention Specialist
Carrington Mortgage Services, LLC
01.2008 - 03.2013
Loss Mitigation Specialist
HSBC
03.2006 - 01.2008
Indiana Wesleyan University
Associate of Science from Business
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