Samantha Cardinal
Baldwin,NY
Summary
Dynamic business professional with extensive experience in the mortgage banking industry, specializing in operations management, regulatory compliance, and strategic implementation. Proven expertise in leading cross-functional teams to exceed objectives through innovative process improvements and strict adherence to regulatory standards. Skilled in developing and executing strategic plans to enhance efficiency, mitigate risk, and ensure compliance.
Overview
12
12
years of professional experience
Work History
Operations Manager
Cliffco Mortgage Bankers
03.2023 - Current
- Spearheaded development of Standard Operating Procedures (SOPs), aligning with regulatory guidelines and operational efficiency.
- Led technology integration projects to streamline workflows, enhancing process efficiency and compliance.
- Conducted risk assessments and compliance audits, ensuring organizational alignment with regulatory standards.
- Implemented comprehensive training programs to bolster regulatory compliance and operational best practices knowledge among staff.
- Reduced risk exposure for company by identifying and addressing areas of noncompliance.
- Improved communication channels between departments by establishing regular meetings and reporting structures related to compliance matters.
- Strengthened company-wide awareness of relevant laws, regulations, and industry standards through targeted trainings, presentations, and ongoing communication efforts.
Home Loan Operations Manager
Citizens Bank Home Mortgage
08.2016 - 02.2023
- Managed team of 20 home loan operations processors and processing assistants.
- Optimizing workflows and ensuring regulatory compliance.
- Transitioned team to new processing system with minimal disruptions, maintaining operational continuity.
- Mentored team members, leading to exceeded performance goals through process improvements.
- Reduced turnaround time for project completion through effective resource allocation and team management.
- Enhanced customer satisfaction by establishing clear communication channels and addressing concerns promptly.
Senior Document Specialist
Wells Fargo Home Mortgage
12.2013 - 08.2016
- Directed TRID compliance training, enhancing understanding of regulatory requirements.
- Managed critical closing certifications, ensuring compliance with regulatory guidelines.
- Maintained pipeline of over 50 files per month.
Home Services Specialist II
Bank of America
07.2012 - 12.2013
- Processed loans with focus on regulatory adherence, developing strong compliance and risk management skills.
- Pipeline of over 50 loans and worked with multiple sales officers.
- Enhanced customer satisfaction by addressing and resolving service-related issues promptly.
Education
Some College (No Degree) - Business Management
Nassau Community College
Garden CitySkills
- Strategic Planning & Implementation
- Regulatory Compliance & Risk Management
- Leadership & Team Development
- Process Optimization & Efficiency
- Project Management
- Communication
- Proficient in Encompass, Microsoft Suite, CRM tools, and project management workflow tools
References
References available upon request.
Interests
- VOLUNTEER ACTIVITIES
- Youth Band Musical Director, Our Lady of Lourdes, Malverne, NY
- Choreographer, Herrick's Community Players, Herrick, NY
Timeline
Operations Manager
Cliffco Mortgage Bankers
03.2023 - Current
Home Loan Operations Manager
Citizens Bank Home Mortgage
08.2016 - 02.2023
Senior Document Specialist
Wells Fargo Home Mortgage
12.2013 - 08.2016
Home Services Specialist II
Bank of America
07.2012 - 12.2013
Some College (No Degree) - Business Management
Nassau Community College
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