Cassandra Louie

Experience

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  TCF Bank

  Jan 2010 - Jan 2013

  Bankrupty and Foreclosure Loan Modification Specialist

  During my tenure at TCF, I directed processing and negotiation of loan modification packages for clients to their existing mortgages. Executed the review of loan modification packages, income verification, and collateral valuations to properly assess if a loan modification could be approved. Selected Accomplishments⦁ Successfully drafted and filed hundreds of reaffirmation agreements, proof of claims, and forbearance agreements with courts within required timeframes.⦁ Ensured compliance with federal and state regulations including bankruptcy laws, Fair Debt Collection Practices Act, and corporate policies for all phases of the modification process. Show less

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  Huffman, Isaac, & Klym

  Jan 2010 - Dec 2010

  Attorney

  At Huffman, Isaac and Klym, I provided thorough research and analysis on unique bankruptcy, foreclosure, and general civil litigation issues and developed and drafted substantive memoranda at various stages of the litigation.Selected Accomplishments⦁ Responded to e-discovery requests through collection and identification of relevant data, to preservation and production of documents

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  BBMC Mortgage

  Jan 2013 - Oct 2020

  Quality Control Manager

  I direct the day to day operations of the Quality Control Team (up to 12 associates) including providing support and assistance to pre-funding QC team, processing, underwriting, and sales departments. I also provide compliance and audit controls for up to 1200 Conventional, FHA and VA loans a month including federal regulations, internal policies and procedures, and secondary investor guidelines. I lead the prioritization and monitoring of workflow for the QC Team as well as analyzing operational issues and provide business process improvements to ensure maximum efficiency in the loan process.Selected Accomplishments:⦁ Collaborate in implementation of a system to track quality control deficiencies and incorporated that process into current policy and procedure for the QC Team. The process resulted in a dramatic reduction of post closing deficiencies and costs associated with the suspension of those files.⦁ Responsible for the interviewing, on-boarding, and training and development of all team members. ⦁ Develop, maintain, and distribute the monthly QC report to management and establish criteria to improve processes, improve compliance, and increase efficiencies. Show less

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  Mutual of Omaha Mortgage

  Oct 2020 - now

  Regional Operations Manager

  Regional Operations Manager, (2020–Present)Direct day to day operations, lead the prioritization and monitoring of workflow for sales and processing, as well as analyze operational issues and provide business process improvements to ensure maximum efficiency in the loan process. Collaborate with senior management and other operations leaders to develop strategic plans to achieve company goals and objectives.Process Management: work with sales, underwriting, quality control, loan opener, LE and CD redisclosure, closing, and post-closing department to improve and streamline processes from qualification to funding.Pipeline management: monitor department staffing needs, scheduling, workflow, and load balancing on an individual, branch, and regional level. Review, analyze, distribute pipeline, production, quality, problematic loan reports. Process and underwrite as needed.Project management : assisted with rollout of e-closing, gathering constructive feedback for improvements; assistance with formulating a flood quality assurance checklist/guide in order to clarify expectations and improve compliance.Quality management: Ensure mortgage loans are properly originated to company, investor, agency, and government policies and regulations. Ensure turn times are in keeping with established service level agreements and that customer service expectations are met or exceeded. Review quality audit reports related to underwriting, quality control, closing, and post-closing deficiency reports.Personnel management: Oversee, train and develop, monitor performance and production of direct reports. Support direct reports with knowledge of product guidelines and company processes and procedures. Compliance management: Adverse files in compliance with HMDA requirements, Equal Credit Opportunity Act, RESPA, TRID, ATR/QM, URLA Problem Management: work independently to solve complex loan level problems involving processing, underwriting, quality control, and closing. Show less