MELISSA KASNICK

Work History

WINDSOR MORTGAGE SOLUTIONS

03.2023 - Current

Maintain a pipeline of 70+ files consisting of Government and conventional loans, in addition to FHA Down Payment Assistance and Florida Housing Finance Corporation DPA loans
Provide timely and periodic status updates to broker partners regarding status of underwriting review and closing documents
Responsible for completing Change in Circumstance requests and redisclosing Loan Estimates as required
Assist brokers with requests for pricing and lock updates
Review and provide guidance to resolve Mavent fails throughout the loan process
Request and gather loan conditions from partners to submit files for underwriting review
Review loan file conditions prior to the Underwriter’s review and assist the Underwriter in setting priorities for loan review
Manage the closing schedule and communicate with appropriate parties
Ensure benchmarks, productivity standards, and service levels are always delivered upon while exceeding expectations.

HOMEPOINT

09.2019 - 03.2023

Responsible for reviewing and validating conventional loan application data and documents for initial decision
Completed thorough review and calculation of W2, retirement, and self-employment income to confirm a borrower’s ability to qualify per Fannie Mae and Freddie Mac guidelines
Reviewed documents submitted by broker partners to satisfy conditions and ensure compliance with internal and external guidelines and policies
Effectively collaborated and communicated with internal and external partners to provide a seamless and efficient experience
Monitored pipeline activity and assisted as needed to achieve turn time targets successfully.

HOMEPOINT

09.2019 - 02.2022

Responsible for providing the highest level of excellence and dedicated support to Broker Partners, as well as Account Executives through effective management of the Approved file pipeline
Worked in tandem with the Underwriting team to clear conditions as assigned, while reviewing and submitting remaining conditions required for Final Approval
Managed and updated closings scheduled through regular contact with Brokers to ensure accurate and timely closings
Reviewed and updated Brokers regarding guidelines as they apply to loans submitted to Home Point Financial
Built and maintained strong relationships in all aspects of the life of the loan, both internally and externally.

CROSSCOUNTRY MORTGAGE INC.

06.2017 - 09.2019

Provided direct support to the Branch Manager in all areas of the business, including but not limited to, sales, marketing, operations, managerial and training tasks
Prepared loan files for submission to underwriting through consistent communication with borrowers and their agents to obtain documentation needed for initial and final approval
Uploaded and reviewed all income, credit, asset, title and appraisal documents to confirm that the loan meets investor guidelines and satisfies all assigned conditions
Worked with underwriters, closers and post-closing to ensure all conditions were met and loan file meets compliance standards
Managed pipeline for 5 loan officers by communicating needs to borrowers, providing follow up to borrowers and their agents and monitoring contract contingency and closing dates
Provided training and guidance to other members of the team to build knowledge and confidence.

BANK OF AMERICA, NA

06.2013 - 03.2014

Responsible for the setup of all loan application files assigned to my pipeline including, but not limited to, verifying the completeness of each application, ordering the necessary documents for processing and underwriting, promoting each application to the processing stage and completing the Welcome Call in compliance with Bank of America standards
Established communication with Mortgage Loan Officers immediately upon receipt of application files in an effort to create open lines of communication and solidarity to provide our clients with a seamless experience
Communicated directly with borrowers to gather information and documentation necessary for underwriting submission by completing the Welcome Call and all subsequent follow up communications in a timely and professional manner
Focused primarily on keeping the borrowers informed throughout the application process in an effort to build confidence and lasting Bank of America relationships
Worked closely with other team members, including underwriters and closing specialists to meet lender guidelines to achieve final approval, while maintaining compliance with federal regulations
Successfully met or exceeded goals as set by management while meeting deadline and quality requirements for each loan application file
Assisted other team members as needed to successfully meet all unit, team and individual goals.

CROSSCOUNTRY MORTGAGE INC.

11.2012 - 06.2013

Promoted from Assistant Loan Processor to Loan Processor within 3 months of hire
Responsible for opening all loan application files and preparing files for processing
Communicate directly with borrowers and loan officers to gather documentation necessary for underwriting submission
Work with underwriters to meet lender and investor guidelines to achieve loan approval, while maintaining compliance with federal regulations
Prepare and submit approved loans to closing department for execution and funding
Maintain a pipeline of 10+ files at any given point, providing daily status updates to loan officers, processing manager and branch manager
Assist with other administrative tasks as needed, such as answering phones and routing calls when call volume is heavy.