Catherine Galusha Email & Phone Number

Denver, Colorado, United States

NMLS #2580156 - Licensed in FL, CA, NV, AZ, CO, NM, WA, UT, and OR. Skilled in negotiating competitive interest rates and terms to secure the best financing options for clients. Proficient in analyzing and comparing offers to ensure optimal savings and benefits for borrowers. Providing expert guidance on various loan products and options to clients.Assisting clients through the entire mortgage process, from application to closing.Analyzing financial information to determine… Show more NMLS #2580156 - Licensed in FL, CA, NV, AZ, CO, NM, WA, UT, and OR. Skilled in negotiating competitive interest rates and terms to secure the best financing options for clients. Proficient in analyzing and comparing offers to ensure optimal savings and benefits for borrowers. Providing expert guidance on various loan products and options to clients.Assisting clients through the entire mortgage process, from application to closing.Analyzing financial information to determine eligibility and affordability. Maintaining knowledge of industry regulations and compliance standards.Building and maintaining strong relationships with clients to foster repeat business and referrals.Meeting or exceeding sales targets and customer satisfaction goals. Show less

Remote

-Conducted thorough and comprehensive analysis of client's credit, income, collateral, purchase contract, and title using multiple Excel spreadsheets to ensure compliance with guidelines across a diverse portfolio of more than 10 dealers while shortening turn-around times from 48 hours to same-day in 3 months.-Employed Excel expertise to develop financial models for analyzing financial ratios and determining payment budget limits, enabling well-informed decisions on loan approvals or… Show more -Conducted thorough and comprehensive analysis of client's credit, income, collateral, purchase contract, and title using multiple Excel spreadsheets to ensure compliance with guidelines across a diverse portfolio of more than 10 dealers while shortening turn-around times from 48 hours to same-day in 3 months.-Employed Excel expertise to develop financial models for analyzing financial ratios and determining payment budget limits, enabling well-informed decisions on loan approvals or requests for further documentation.-Effectively communicated financial data and decision to teammates and management which resulted in a request to create a submission requirement plan to improve loan submission quality from 55% to 80% in 45 days.-Assessed client income and financial health by reviewing tax returns, P&Ls, bank statements, paystubs, retirement statements, social security statements, and military statements, as applicable. Also conducted thorough reviews of credit reports, title reports, purchase contracts, and other requested documentation. Show less

Remote Denver

-Capitalized on Excel expertise to create and implement a suite of spreadsheets, ensuring meticulous calculations and analysis of all income and credit data. This initiative facilitated a remarkable 98% accuracy rate across the team within 90 days. Additionally, leveraged Excel to track loan progress and approval outcomes.-Demonstrated strong analytical and problem-solving skills by successfully completing a 5-loan package (closing simultaneously) with over 30 additional properties in 2… Show more -Capitalized on Excel expertise to create and implement a suite of spreadsheets, ensuring meticulous calculations and analysis of all income and credit data. This initiative facilitated a remarkable 98% accuracy rate across the team within 90 days. Additionally, leveraged Excel to track loan progress and approval outcomes.-Demonstrated strong analytical and problem-solving skills by successfully completing a 5-loan package (closing simultaneously) with over 30 additional properties in 2 weeks by creating a comprehensive financial analysis of the client's financial standing using multiple years of tax returns, P&L, lease agreements, rental income, contracts, paystubs, financial statements, credit reports, appraisals, and title documentation all within a narrow time constraint.-Proven my ability to exceed expectations in risk management, relationship building, and finding solutions , as evidenced by my selection as sole underwriting analyst by the top 1% performing loan officer, which resulted in a 20% increase in my loan capacity in 2 months. Show less

Denver, Colorado, United States

-Utilized Jira, Salesforce, and Excel to track and analyze common mistake trends for each lender, identifying patterns and preparing comprehensive reports in Microsoft Word and PowerPoint for management. This data-driven approach led to the implementation of targeted trainings, reducing error rates from 50% to 20% within five months.-Cultivated strong relationships with multiple lenders through consistent and effective communication. Responded promptly to daily inquiries regarding loan file… Show more -Utilized Jira, Salesforce, and Excel to track and analyze common mistake trends for each lender, identifying patterns and preparing comprehensive reports in Microsoft Word and PowerPoint for management. This data-driven approach led to the implementation of targeted trainings, reducing error rates from 50% to 20% within five months.-Cultivated strong relationships with multiple lenders through consistent and effective communication. Responded promptly to daily inquiries regarding loan file issues, ensuring that all loans were processed and approved in accordance with Colorado Housing and Financing Authority Guidelines.-Developed and delivered customized one-on-one training sessions for new and experienced analysts on CHFA guidelines, utilizing presentations and personalized cheat sheets to cater to individual learning styles and needs. This comprehensive training approach significantly reduced funding kickbacks from CHFA by 15 percentage points, from 25% to 10%, within a 90-day period. Show less

Dtc

-Capitalized on expertise in underwriter requirements to proactively procure insurance, employment, credit, and supplementary materials. Employed outbound calls and exhaustive research to gather necessary documentation, reviewed and organized files for underwriting approval, and promptly ordered tax transcripts, employment records, and credit reports, all while managing multiple loans efficiently-Consistently communicated with the loan team, providing timely updates on conditions… Show more -Capitalized on expertise in underwriter requirements to proactively procure insurance, employment, credit, and supplementary materials. Employed outbound calls and exhaustive research to gather necessary documentation, reviewed and organized files for underwriting approval, and promptly ordered tax transcripts, employment records, and credit reports, all while managing multiple loans efficiently-Consistently communicated with the loan team, providing timely updates on conditions, addressing inquiries and ensuring clear understanding. Resulted in 98% satisfaction rate and timely loan approvals.-Leveraged innovation and problem-solving skills to enhance productivity by 20% within 30 days. Implemented a self-designed checklist and organizational system, streamlining workflows, eliminating wasted time, and consistently meeting closing deadlines despite pressureful situations. Show less

Broomfield, Co

Maintained contact with borrowers to collect required documentation per specific investor guidelines, cross checked documentation using Default Workflow for maximum accuracy, performed calculations before sending for final decision while maintaining high quality. Escalation Management Program Associate, Urban Lending SolutionsReview loans for qualifications under EMP Modification guidelines, monitor for receipt of needed financial docs, closely analyze files for timely trial… Show more Maintained contact with borrowers to collect required documentation per specific investor guidelines, cross checked documentation using Default Workflow for maximum accuracy, performed calculations before sending for final decision while maintaining high quality. Escalation Management Program Associate, Urban Lending SolutionsReview loans for qualifications under EMP Modification guidelines, monitor for receipt of needed financial docs, closely analyze files for timely trial payments, and verifying perm mod implementation while assuring code accuracy, maintaining high quality control and producing the documents for permanent modifications. Additionally, responsibilities included prepping envelopes for the mailing of the modification documents, and uploading to the Document Center. Show less

Bachelor'S Degree, Finance, General, 3.89

Associates, General Studies, Graduated

Classes included Intro to Finance, Chemistry, Algebra, Microsoft Office Applications,

Emt Basic, Graduated

Bachelor'S Degree, Finance, General

Transferred to CSU Global to finish