Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Kasandra Wojcik

San Antonio

Summary

Dynamic mortgage professional with extensive experience at Frost Bank, excelling in loan processing and credit analysis. Proven track record in regulatory compliance and document review, ensuring accuracy and efficiency. Strong communicator and detail-oriented team player, adept at building relationships and resolving conflicts to enhance customer satisfaction and streamline operations.

Overview

14
14
years of professional experience

Work History

Mortgage Processor II- Disclosure Desk & Quality Assurance

Frost Bank
01.2023 - Current
  • Responsible for Reviewing initial loan approval and work with borrower to gather appropriate documentation for all Conventional and Progress Purchases and refinance applications.
  • Create a loan submission package for the Underwriting and closing departments and satisfying all conditions when received for the file.
  • Ensure that approval falls within the established lending guidelines.
  • Communicate with other professionals, including real estate agents, title companies, etc. daily and ensure that regular updates are being provided to all parties associated to the loan file.
  • Review and approve title for any judgments, liens, etc to ensure there are no delays in closing date.
  • Review appraisal report to ensure that property meets value; review all required repairs, etc with realtors and borrowers.
  • Ensure that all files are submitted with accuracy and minimal errors.

Jr Mortgage Underwriter

Filo Mortgage, LLC.
02.2021 - 08.2022
  • Responsible for underwriting mortgages and recommending loans for approval on all residential properties, including authorizing terms and conditions of residential commitment letters, conducting thorough credit investigations, obtaining and validating credit information, income confirmation and down payments.
  • Provided reviews loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history, and income documents, title documents, appraisals and all applicable compliance documents.
  • Evaluated debt ratio, loan-to-value ratios, credit score, property valuation, and various other factors.
  • Adhered to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations.

Mortgage Processor III

Guild Mortgage Company, LLC.
08.2020 - 12.2020
  • Responsible for Reviewing initial loan approval and work with borrower to gather appropriate documentation for all VA, Conventional, FHA purchases and refinance applications.
  • Create a loan submission package for the Underwriting and closing departments and satisfying all conditions when received for the file.
  • Ensure that approval falls within the established lending guidelines.
  • Communicate with other professionals, including real estate agents, title companies, etc. daily and ensure that regular updates are being provided to all parties associated to the loan file.
  • Review and approve title for any judgments, liens, etc to ensure there are no delays in closing date.
  • Review appraisal report to ensure that property meets value; review all required repairs, etc with realtors and borrowers.
  • Ensure that all files are submitted with accuracy and minimal errors.

Mortgage Processor I

USAA Federal Savings Bank
11.2016 - 08.2020
  • Responsible for Reviewing initial loan approval and work with borrower to gather appropriate documentation for all VA, Conventional purchases and refinance applications.
  • Create a loan submission package for the Underwriting and closing departments and satisfying all conditions when received for the file.
  • Ensure that approval falls within the established lending guidelines.
  • Communicate with other professionals, including real estate agents, title companies, etc. daily and ensure that regular updates are being provided to all parties associated to the loan file.
  • Review and approve title for any judgments, liens, etc to ensure there are no delays in closing date.
  • Review appraisal report to ensure that property meets value; review all required repairs, etc with realtors and borrowers.
  • Ensure that all files are submitted with accuracy and minimal errors.

Branch Banker

First Community Bank
08.2015 - 09.2016
  • Responsible for resolving complex account and service issues for customers by identifying suitable products and solutions while guaranteeing customer satisfaction.
  • Establish, retain, and deepen relationships with customers to achieve sales goals and provide quality customer service.
  • Lead and prepare activities of sales and product knowledge while addressing business needs.
  • Recognized number one Sales & Service Specialist in the market and region.
  • Track and maintain record of all banking center acquisitions.
  • Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
  • Supervise the teller associates in all daily functions and provide coaching when needed.
  • Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
  • Enter customers' transactions into computers to record transactions and issue computer-generated receipts.
  • Balance currency, coin, and checks in cash drawers at ends of shifts, and calculate daily transactions using computers, calculators, or adding machines.
  • Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
  • Count currency, coins, and checks received, by hand or using currency-counting machine, to prepare them for deposit or shipment to branch banks or the Federal Reserve Bank.
  • Order a supply of cash to meet daily needs.
  • Receive and count daily inventories of cash, drafts, and travelers' checks.
  • Prepare and verify cashier's checks.
  • Sort and file deposit slips and checks.
  • Identify transaction mistakes when debits and credits do not balance.
  • Resolve problems or discrepancies concerning customers' accounts.
  • Explain, promote, or sell products or services such as travelers' checks, savings bonds, money orders, and cashier's checks, using computerized information about customers to tailor recommendations.
  • Count, verify, and post armored car deposits.
  • Monitor bank vaults and ATM to ensure cash balances are correct.

Elementary Co-Teacher-2nd Grade ELA

IDEA Public Schools
08.2014 - 05.2015
  • Develop and present language arts, science, social studies, and math lesson plans; work in partnership with students to comprehend content.
  • Conduct small group and individual classroom activities with students based on differentiated learning needs to ensure all students are learning at full potential.
  • Adhere to school standards and district guidelines and expectations.
  • Employ a proactive approach to classroom management; curb negative behavior before it begins.
  • Participate in ongoing staff training sessions.
  • Organize parent-teacher conferences to maximize students learning opportunities and develop forward-thinking plans to correct ongoing issues.

Sales and Service Specialist

Bank of America
09.2011 - 08.2014
  • Responsible for resolving complex account and service issues for customers by identifying suitable products and solutions while guaranteeing customer satisfaction.
  • Establish, retain, and deepen relationships with customers to achieve sales goals and provide quality customer service.
  • Lead and prepare activities of sales and product knowledge while addressing business needs.
  • Recognized number one Sales & Service Specialist in the market and region.
  • Track and maintain record of all banking center acquisitions.
  • Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
  • Supervise the teller associates in all daily functions and provide coaching when needed.
  • Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
  • Enter customers' transactions into computers to record transactions and issue computer-generated receipts.
  • Balance currency, coin, and checks in cash drawers at ends of shifts, and calculate daily transactions using computers, calculators, or adding machines.
  • Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
  • Count currency, coins, and checks received, by hand or using currency-counting machine, to prepare them for deposit or shipment to branch banks or the Federal Reserve Bank.
  • Order a supply of cash to meet daily needs.
  • Receive and count daily inventories of cash, drafts, and travelers' checks.
  • Prepare and verify cashier's checks.
  • Sort and file deposit slips and checks.
  • Identify transaction mistakes when debits and credits do not balance.
  • Resolve problems or discrepancies concerning customers' accounts.
  • Explain, promote, or sell products or services such as travelers' checks, savings bonds, money orders, and cashier's checks, using computerized information about customers to tailor recommendations.
  • Count, verify, and post armored car deposits.
  • Monitor bank vaults and ATM to ensure cash balances are correct.

Education

Interdisciplinary Studies -

Texas A&M University- San Antonio
San Antonio
05.2014

High School Diploma -

Raymondville High School
Raymondville Texas
05.2006

Skills

  • Customer service and support
  • Loan processing and credit analysis
  • Regulatory compliance
  • Document review and appraisal evaluation
  • Data entry and financial document review
  • Communication skills
  • Detail orientation
  • Problem solving and conflict resolution
  • Relationship management
  • Time management and organizational skills
  • Team collaboration

Languages

Spanish
Native/ Bilingual

Timeline

Mortgage Processor II- Disclosure Desk & Quality Assurance

Frost Bank
01.2023 - Current

Jr Mortgage Underwriter

Filo Mortgage, LLC.
02.2021 - 08.2022

Mortgage Processor III

Guild Mortgage Company, LLC.
08.2020 - 12.2020

Mortgage Processor I

USAA Federal Savings Bank
11.2016 - 08.2020

Branch Banker

First Community Bank
08.2015 - 09.2016

Elementary Co-Teacher-2nd Grade ELA

IDEA Public Schools
08.2014 - 05.2015

Sales and Service Specialist

Bank of America
09.2011 - 08.2014

Interdisciplinary Studies -

Texas A&M University- San Antonio

High School Diploma -

Raymondville High School

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