Kaniecea Cast
Chandler
Summary
Experienced Loan Review Specialist with eight years in evaluating loan files, ensuring compliance with investor and regulatory standards. Skilled in conducting file reviews and appeals to deliver evidence-based recommendations and maintain audit-ready documentation. Collaborates effectively with lenders, borrowers, and internal teams to resolve exceptions and facilitate timely loan decisions.
Overview
11
11
years of professional experience
Work History
Loan Specialist
Strategic Innovation Group
Phoenix
11.2021 - Current
- Conduct comprehensive reviews of complex government-backed loan files to determine eligibility under federal regulations and program guidance.
- Analyzed financial documentation, tax returns, payroll records, and servicing records to ensure compliance with federal regulations.
- Evaluated borrower appeals related to eligibility, loan forgiveness, ownership structures, and documentation deficiencies, contributing to informed decision-making.
- Identified inconsistencies, documentation gaps, and servicing errors, recommending resolutions to enhance compliance and operational integrity.
- Prepare detailed written recommendations supported by regulatory guidance, factual findings, and documented evidence.
- Research federal statutes, interim final rules, SOPs, and agency guidance to support accurate decision-making.
- Perform quality control reviews to ensure consistency, accuracy, and adherence to agency policy.
Closer II
Aerotek
Chandler
12.2020 - 07.2021
- Verified borrower eligibility by analyzing financial documentation and confirming all loan conditions were satisfied prior to closing.
- Reviewed tax returns, payroll documentation, bank statements, and income records to ensure compliance with investor and agency guidelines.
- Coordinated with loan officers, processors, underwriters, and borrowers to obtain missing documentation, resolving file deficiencies to ensure timely loan closings.
- Reviewed and prepared closing packages for accuracy and compliance with regulatory and investor requirements, facilitating smooth closing processes.
- Documented file exceptions and recommended corrective actions, contributing to reduced post-closing defects and enhanced loan quality.
Closing Specialist
Ajilon
Mesa
03.2020 - 08.2020
- Coordinated collection and review of third-party documentation for conventional and government-insured mortgage loans, ensuring compliance and accuracy.
- Performed comprehensive pre-funding reviews to verify file accuracy, completeness, and compliance with investor guidelines.
- Worked closely with underwriting, funding, title, and servicing teams to resolve outstanding conditions and ensure timely closings.
- Identified documentation discrepancies and escalated compliance concerns, reducing funding delays and post-closing issues.
- Maintained organized loan files, ensuring retention of all required documents for quality assurance and audit readiness.
Mortgage Claims Analyst
Lyons McCloskey
Tempe
07.2019 - 02.2020
- Submitted FHA insurance claims through FHA Connection, including Parts A, B, and C claims and Claims Without Conveyance of Title (CWCOT) claims, ensuring compliance with HUD and FHA servicing requirements.
- Reviewed FHA default servicing files to determine claim eligibility, validate foreclosure milestones, and ensure compliance with HUD claim submission timelines.
- Monitored FHA claim status, corrected exceptions, and submitted adjustments or supplemental filings to ensure timely reimbursement.
- Reconciled servicing advances, foreclosure expenses, attorney fees, property preservation costs, taxes, insurance, and other corporate advances to ensure accurate claim calculations and reimbursement requests.
- Evaluated supporting documentation and invoices to determine allowable claimable expenses in accordance with FHA guidelines and investor requirements.
- Researched and resolved claim exceptions, curtailments, and documentation discrepancies by coordinating with servicers, attorneys, and internal departments.
- Prepared comprehensive, audit-ready FHA claim packages to minimize curtailments and support successful HUD reimbursements.
- Maintained detailed records of claim activity, calculations, and supporting documentation for quality assurance reviews and regulatory audits.
Credit Specialist
American Express
Phoenix
01.2019 - 07.2019
- Conducted financial reviews of consumer and small business accounts, assessing repayment capacity and determining resolution options to enhance account management.
- Investigated account discrepancies, payment histories, and supporting documentation to ensure accurate account resolution.
- Negotiated payment arrangements while maintaining compliance with company policies and regulatory standards.
- Documented account analyses and customer interactions, providing resolution recommendations that aligned with internal quality standards.
- Collaborated with internal departments to resolve complex account issues, enhancing overall customer experience and satisfaction.
Modification Analyst
Ditech Financial LLC
Tempe
02.2018 - 11.2018
- Processed a high volume of complex mortgage loan modifications while ensuring compliance with investor and servicing guidelines.
- Executed loan modifications by performing detailed account research, calculating payments, and updating systems accurately.
- Validated modification terms and identified discrepancies by reviewing borrower financial information and loan documentation.
- Maintained complete audit trails by documenting all calculations, analyses, and modification decisions.
- Escalated complex exceptions and recommended process improvements that enhanced operational efficiency and reduced rework.
Financial Analyst
Aston Carter
Tempe
07.2017 - 12.2017
- Reviewed foreclosure expenses, corporate advances, and third-party invoices for compliance with FNMA servicing guidelines, ensuring accurate financial reporting.
- Reconciled claim-related expenses and validated supporting documentation prior to investor reimbursement.
- Reviewed foreclosure expenses, corporate advances, and third-party invoices for compliance with FNMA servicing guidelines.
- Prepared quality assurance reports and documentation, reducing investor claim exceptions and enhancing audit readiness.
- Collaborated with servicing and claims teams to facilitate timely and accurate reimbursement submissions, improving overall claims processing.
Loan Counselor
Nationstar Mortgage
Chandler
08.2015 - 07.2017
- Reviewed income, assets, expenses, and hardship documentation to determine eligibility for available workout options.
- Evaluated income, assets, expenses, and hardship documentation to establish borrower eligibility for workout options.
- Educated borrowers on repayment plans, loan modifications, escrow analyses, and other servicing solutions.
- Documented borrower interactions, financial analyses, and proposed resolutions in line with servicing guidelines to support compliance and decision-making.
- Collaborated with internal servicing teams to facilitate timely processing and ensure adherence to investor and regulatory requirements.
Education
General Studies - High school diploma
Fossil Ridge High School
Keller, TXSkills
- Loan compliance
- Mortgage compliance
- Regulatory compliance
- Financial regulations expertise
- Financial services
- Reporting and documentation
- Account reconciliation
- Loan closing
- Escrow
- Research analysis
- Analytical problem solving
- Microsoft Excel
- Microsoft Word
- Microsoft Powerpoint
- Microsoft Outlook
- CRM software
- Salesforce
- Document control
- Customer engagement
- Client relations
- Account management
- Administrative assistance
- Administrative experience
- Decision making
- Communication skills
- Written and verbal communication
- Customer service
- Fair Housing regulations
- Verification
- Compliance reporting
- Loan compliance
Timeline
Loan Specialist
Strategic Innovation Group
11.2021 - Current
Closer II
Aerotek
12.2020 - 07.2021
Closing Specialist
Ajilon
03.2020 - 08.2020
Mortgage Claims Analyst
Lyons McCloskey
07.2019 - 02.2020
Credit Specialist
American Express
01.2019 - 07.2019
Modification Analyst
Ditech Financial LLC
02.2018 - 11.2018
Financial Analyst
Aston Carter
07.2017 - 12.2017
Loan Counselor
Nationstar Mortgage
08.2015 - 07.2017
General Studies - High school diploma
Fossil Ridge High School