Nancy Smith
- 6576 West 91st Street Apartment 186, Overland Park, Kansas 66212 - 913.449.6396 - nsmith757@yahoo.com
MORTGAGE LOAN PROCESSOR
Qualifications Profile:
Multifaceted, methodical, and detail-oriented professional with wide-ranging experience in mortgage loan modeling, brokerage, underwriting, and process analysis. Equipped with strategic planning skills in conceptualizing and establishing multiple analytical solutions to successfully meet client preferences. Effective leader, well-versed in directing and supervising individuals in various departments. Adept at supervising and leading junior teams while building and maintaining positive rapport with superiors, teams, and colleagues. Technically proficient with Encompass and Calyx Point.
Areas of Expertise:
Financial Operations ~ Business Development ~ Process Improvement ~ Loan Application Processing
Human Resources Administration ~ Expense Management ~ Grant Procurement
Relevant Experience:
Commerce Bank Mortgage, Kansas City, MO
Mortgage Loan Processor Feb 2017–Present
Assume accountability in processing residential mortgage loans for retail loan officers and call center
Communicate with borrowers to ensure smooth transition from application through underwriting and closing
Obtain Federal National Mortgage Association (FNMA) and bank guideline depending on the product chosen by the client/borrower
Collaborate with third-parties such as title companies, appraisal management companies, employers, and credit bureau to resolve issues/problems
Review income documents and notify underwriting and loan officers of discrepancies
US Bank, Overland Park, KS
Mortgage Loan Processor May 2015–Jan 2017
Took charge of processing loan application, underwriting, and closing according to Federal Home Loan Mortgage Corporation (FHLMC) investor guidelines
Coordinated with borrowers nationwide in 40 different states and met state guidelines
Provided support to other processing team members
Drove efforts in achieving the highest volume closed in Overland Park Center
National Assistance Corporation of America (NACA), Kansas City, MO
Mortgage Consultant Jan 2011–Mar 2014
Exemplified skills in coordinating financial education to 50 to 100 individuals on a semi-monthly schedule
Interacted with four to five applicants daily that included thee new intake clients and two follow-up visits to gather additional documentation
Keenly assessed file information to identify underwriting feasibility and interfaced with applicant to define additional underwriting conditions, while facilitating seminars to members after the completion of underwriting conditions,
Interacted with undocumented workers with individual taxpayer identification number (ITIN) and a two-year history of filing federal income taxes to provide company program for home purchase
Actively communicated with realtors in seminars to familiarize them with the company’s product that efficiently boosted organization visibility and market share
LeaderOne, Leawood, KS
Mortgage Loan Specialist Sep 2008–Dec 2010
Acquired internet leads provided by the company from multiple companies including LoanBright and Quicken
Closely collaborated with applicants until loan closing to contact individuals and follow up with processing
Capital Lending Group, Lenexa, KS
Office Manager Nov 2006–Aug 2008
Provided expert supervision from one of two offices as sole proprietorship
Directed human resources that involved hiring, training, payroll, expense management, payment, and bookkeeping processes
Held responsibility in processing and delivering loans to investors, as well as in coordinating closings with investor, loan officer, and escrow office
Steered key efforts in handling an office from zero staff, hired and trained loan officers and effectively attained office expenses as well as $10K profit each month
Earlier Positions Held:
Mortgage MD, Kansas City, MO
Mortgage Loan Processor | Director of Operations
Choice America Lending, Overland Park, KS
Assistant to Manager of Internet Division
First Federal Bank, Kansas City, MO
Contract Underwriter | Loan Officer
Advahome, Kansas City, MO
Assistant Vice President | Correspondent Underwriter
Countrywide Home Loans, Overland Park, KS
Assistant Branch Manager | Director of Operations
Regional Investment Company, Kansas City, MO
Assistant Vice President
Other Experience:
Legal Aid of Western Missouri, Kansas City, MO
Director of Development
Carl I. Brown and Company, Kansas City, MO
Vice President | Executive Vice President
Education:
General Studies - GPA: 4.0
Johnson County Community College, Overland Park, KS
Awards:
Reach for the Stars Award, Countrywide | Five Star Professional Award, NACA
Activities:
Wakaya Perfection Ambassador
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