Dana Casalena
Buena,NJ
Summary
Experienced with assessing financial risk and evaluating Home Equity loan applications. Utilizes analytical skills and industry knowledge to make informed underwriting decisions. Track record of maintaining compliance with regulatory standards and fostering positive client relationships.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Underwriter II /Loan Processor
First Harvest Credit Union
NJ
09.2023 - Current
- Assessing financial risks before granting loans to individuals
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Preparing and presenting credit recommendations and reports
- Calculating and revising credit limits and terms
- Using software to score credit applications
- Performing annual reviews and following policies and procedures
- Processed and reviewed an average of 40+ loan applications weekly, ensuring compliance with federal and institutional guidelines.
- Evaluated borrower credit reports and financial histories to identify potential lending risks effectively.
- Communicated with clients and stakeholders to clarify documentation needs and expedite loan processing.
- Reviewed loan applications for completeness, identifying discrepancies prior to submission for approval.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Real Estate Agent
Prime Realty Partners
Nj
04.2024 - Current
- Networked with customers via phone, email, and social media.
- Educated clients on the state of the real estate market and options available to them.
- Assisted potential clients with financial concerns regarding real estate sales and purchases.
- Consistently pursued and followed up on leads.
- Worked to deliver exceptional service resulting in excellent ratings and return clients.
- Effectively marketed my real estate services to the local community.
Sales Agent
BERKSHIRE HATHAWAY HOMESERVICES
07.2023 - 04.2024
- Networked with customers via phone, email, and social media.
- Educated clients on the state of the real estate market and options available to them.
- Assisted potential clients with financial concerns regarding real estate sales and purchases.
- Consistently pursued and followed up on leads.
- Worked to deliver exceptional service resulting in excellent ratings and return clients.
- Effectively marketed my real estate services to the local community.
Contract Mortgage Processor
DMC MORTGAGE PROCESSING LLC
01.2022 - 12.2023
- Provide support to brokers and underwriting teams by ensuring the timely, judicious, and accurate processing of mortgages.
- Document all communication related to the loan application in the LOS system’s conversation log.
- Perform a thorough review and analysis of borrower’s credit, income and assets, appraisals, title, and insurance information as required by loan program before submitting the file to underwriting.
- Directly communicate with customers in writing and by telephone to obtain missing documentation required for the loan.
- Ensure compliance with company policies, underwriting guidelines, and lending program requirements.
- Ensure all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.
- Set up and completed loan submission packages.
Remote Senior Account Manager
Stockton Mortgage
07.2020 - 10.2021
- Perform a thorough review and analysis of borrower’s credit, income and assets, appraisals title, and insurance information as required by loan program before submitting the file to underwriting.
- Provide support to brokers and underwriting teams by ensuring the timely, judicious, and accurate processing of mortgages.
- Document all communication related to the loan application in the LOS system’s conversation log.
- Directly communicate with customers in writing and by telephone to obtain missing documentation required for the loan.
- Ensure compliance with company policies, underwriting guidelines, and lending program requirements.
- Ensure all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.
- Complete required loan submission, re-submission, and closing checklists.
- Manage a pipeline of about 200+ loans effectively with 50 + loan closings per month.
Remote Wholesale/ Fha Mortgage Processor
Firsttrust Bank
11.2016 - 07.2020
- Effectively with 50 + Perform a thorough review and analysis of borrower’s credit, income and assets, appraisals, title and insurance information as required by loan program before submitting the file to underwriting.
- Provide support to brokers and underwriting teams by ensuring the timely, judicious, and accurate processing of mortgages.
- Document all communication related to the loan application in the LOS system’s conversation log.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Set up and completed loan submission packages.
- Communicated with originator and applicant concerning progress of loan file.
- Ensure compliance with company policies, underwriting guidelines, and lending program requirements.
- Complete required loan submission, re-submission, and closing checklists.
- Manage a pipeline of about 200+ loans loan closings per month.
Mortgage Loan Coordinator
Trident Mortgage Group
12.2015 - 11.2016
- Calculated debt-to-income ratios to determine maximum loan amounts.
- Calculated, reviewed, and corrected errors on interest, principal and closing costs.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Reviewed and validated details of loan applications and closing documentation.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants’ financial situation.
- Set up, stored and updated customer files, department records and regulatory paperwork.
Mortgage Loan Specialist
Beneficial Bank
01.2014 - 12.2015
- Recommended loan approvals and denials based on customer loan application reviews.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Developed and implemented marketing campaigns to attract new customers.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Collaborated with other departments to promptly process loan applications.
- Assisted customers with completing loan applications and other paperwork.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Obtained copies of applicants’ credit histories and reviewed paperwork to determine feasibility of granting loans.
CSR 3
Beneficial Bank
10.2012 - 01.2014
- Coached and mentored service representatives to deliver polite, professional customer interactions.
- Resolved escalated customer service inquiries and complaints to maintain satisfaction.
- Evaluated staff performance and provided feedback to improve customer service delivery.
- Implemented company policies and procedures for professional, cohesive customer care.
- Provided backup to front desk to step in to assist with various tasks whenever employee was absent or at lunch.
- Provided primary customer support to internal and external customers.
- Updated account information to maintain customer records.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Responded to customer requests for products, services, and company information.
- Handled customer inquiries and suggestions courteously and professionally.
- Clarified customer issues and determined root cause of problems to resolve product or service complaints.
- Cross-trained and backed up other customer service managers.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Monitored and verified suspicious activity on customer accounts.
- Executed wire transfers, stopped payments and account transfers.
- Processed applications for new accounts.
Education
High school diploma -
St. Marie Goretti
Philadelphia PA05.1995
Real Estate
William G Roher Center Camden County College
01.2023
Skills
- Strong organizational skills
- Excellent teamwork
- Highly professional
- Negotiation
- Proficient in Microsoft office
- Lending
- Attention to detail
Certification
- Real Estate License
- Non-CDL Class C
- Driver's License
- MLO
- NMLS
Timeline
Real Estate Agent
Prime Realty Partners
04.2024 - Current
Underwriter II /Loan Processor
First Harvest Credit Union
09.2023 - Current
Sales Agent
BERKSHIRE HATHAWAY HOMESERVICES
07.2023 - 04.2024
Contract Mortgage Processor
DMC MORTGAGE PROCESSING LLC
01.2022 - 12.2023
Remote Senior Account Manager
Stockton Mortgage
07.2020 - 10.2021
Remote Wholesale/ Fha Mortgage Processor
Firsttrust Bank
11.2016 - 07.2020
Mortgage Loan Coordinator
Trident Mortgage Group
12.2015 - 11.2016
Mortgage Loan Specialist
Beneficial Bank
01.2014 - 12.2015
CSR 3
Beneficial Bank
10.2012 - 01.2014
Real Estate
William G Roher Center Camden County College
High school diploma -
St. Marie Goretti