Jennique Cannon
Williamstown,NJ
Summary
Business-minded professional with desire to take on new challenges. Strong work ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Assistant Vice President of Residential Lending
Ocean First Bank (formerly Ocean City Home Bank)
Ocean City, NJ
11.2008 - 10.2010
- Managed hiring, training, development, performance evaluations and supervision of employees
- Communicated with leadership to assist with administrative initiatives and decisions and attended weekly meetings to support policy changes.
- Resolved issues and completed required follow-up processes
- Responsible for collecting and reporting data required by Regulation C. Home Mortgage Disclosure Act (HMDA)
- Oversaw entire loan process to provide each client with exceptional service
- Complied with established internal controls and policies
- Assisted mortgage clients with applying for a loan, answering questions, and guiding them through the process as needed
- Ensured proper procedures were followed when closing loans were to be sold to the secondary market
- Performed loan processing related duties and assisted in mortgage loan closings as needed
- Qualified potential mortgage loan candidates according to compliance requirements
- Promoted the bank's image in the community through participation in business and social activities; responsible for building positive relations within the community including realtors, title companies, builders, attorneys and individuals
Residential Lending Manager
Ocean First Bank (formerly Ocean City Home Bank)
Ocean City, NJ
04.2008 - 11.2008
- Exercised good judgment and decision-making in escalating concerns and resolving issues.
- Communicated company directives and programs to associates and ensured all follow-up items were completed accurately and timely.
- Entered time and attendance logs in preparation for payroll.
- Conducted quality, timely performance feedback and performance appraisals.
- Approved and underwrote consumer loans for lines of credit and home equity
- Reviewed and evaluated borrower(s) profile including but not limited to all income documentation (including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, traditional underwriting
- Ordered department supplies and created annual budget
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions
- Prepared internal and regulatory financial reports on a weekly/monthly basis
- Uploaded closed loans to the system prior to sending to loan servicing
Residential Lending Closer
Ocean First Bank (formerly Ocean City Home Bank)
Ocean City, NJ
08.1998 - 03.2008
- Handled pipeline of active deals in closing stage.
- Responded to customer inquiries and researched answers to questions.
- Reviewed loan applications and supporting documentation for completeness and compliance.
- Read and interpreted loan and legal documentation.
- Managed and resolved concerns, problems or issues to avoid closing delays.
- Worked with legal counsel, lender and title company to receive loan approval.
- Partnered with advisors and other parties to collect information to satisfy closing conditions.
- Scheduled loans with attorneys to close within expiration dates.
- Reviewed title commitment and insurance policies to support pre-closing documentation.
- Carried out day-to-day duties accurately and efficiently in a fast-paced environment
- Used coordination and planning skills to achieve results according to schedule
- Prepared closing packages for drafting and presentation accuracy
- Sent closing packages and wired funds for settlement
- Put closing files in order and uploaded to bank system prior to forwarding to loan servicing
Customer Service Representative
Ocean First Bank (formerly Ocean City Home Bank)
Ocean City, NJ
01.1998 - 07.1998
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Made outbound calls to obtain account information.
- Provided outstanding service to new and long-standing customers by paying attention to concerns or needs.
- Maintained knowledge of current promotions, exchange guidelines, payment policies and security practices.
- Educated customers on special pricing opportunities and company offerings.
- Remained calm and professional in stressful circumstances and effectively diffused tense situations.
- Set up and activated customer accounts.
Teller
Ocean First Bank (formerly Ocean City Home Bank)
Ocean City, NJ
10.1996 - 12.1997
- Built and maintained client relationships through quality, personalized interactions.
- Cross-sold bank products by answering inquiries, informing customers of new services and promotions.
- Adhered to financial services security and audit procedures.
- Issued and redeemed money orders, cashier checks, traveler's checks and savings bonds.
- Maintained confidentiality of bank records and client information.
- Entered customer transactions into computers to record transactions and issue computer-generated receipts.
- Delivered exceptional service to customers in person or over telephone.
- Directed specific questions to appropriate branch personnel.
- Identified transaction errors when debits and credits did not balance.
Deli Associate
Shop Rite Food Market
Williamstown, NJ
10.1990 - 10.1994
- Completed orders by slicing, weighing, packaging and pricing meats and cheeses.
- Updated food displays, cases and other customer-facing areas to increase sales of special items.
- Worked with customers placing large or specialized orders, providing samples and recommendations and responding to requests.
- Used mental math and available tools to total materials needed, costs and payments due.
- Stayed calm and professional in situations and resolved conflicts to customer satisfaction.
- Documented and entered special orders for event catering and party trays.
Education
Associate of Applied Science - Paralegal Studies
Atlantic Cape Community College
Mays Landing, NJ05-1997
Associate of Science - Criminal Justice
Atlantic Cape Community College
Mays Landing, NJ12-1992
Skills
- Decision Making
- Mathematical Calculation and Reasoning
- Strong Organizational Skills
- Work well under pressure
- Effective Communication Skills
- Ability to work in fast-paced environment
- Analytical Thinking & Problem Solving
- Management
- Document Review
- Effective Customer Service
Certification
- 2024 Center for Real Estate (present)
- 2008 Fannie Mae-Underwriting the Borrower and the Self-Employed
- 2004 BAI Education-Personal Financial Planning
- 2001 National Business Institute-Advanced Principals of Title Insurance in New Jersey
Timeline
Assistant Vice President of Residential Lending
Ocean First Bank (formerly Ocean City Home Bank)
11.2008 - 10.2010
Residential Lending Manager
Ocean First Bank (formerly Ocean City Home Bank)
04.2008 - 11.2008
Residential Lending Closer
Ocean First Bank (formerly Ocean City Home Bank)
08.1998 - 03.2008
Customer Service Representative
Ocean First Bank (formerly Ocean City Home Bank)
01.1998 - 07.1998
Teller
Ocean First Bank (formerly Ocean City Home Bank)
10.1996 - 12.1997
Deli Associate
Shop Rite Food Market
10.1990 - 10.1994
Associate of Applied Science - Paralegal Studies
Atlantic Cape Community College
Associate of Science - Criminal Justice
Atlantic Cape Community College
- 2024 Center for Real Estate (present)
- 2008 Fannie Mae-Underwriting the Borrower and the Self-Employed
- 2004 BAI Education-Personal Financial Planning
- 2001 National Business Institute-Advanced Principals of Title Insurance in New Jersey
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