Quality Assurance Data Entry
Resume:
KIMBERLY A. SMITH
St. Louis, MO 63367
*******@*******.***
EXPERIENCE HIGHLIGHTS
WELLS FARGO HOME MORTGAGE, 11/2010-04/2011
Mortgage Loan Underwriter III
Responsible for reviewing, analyzing, approving and underwriting
large, unusual or complex individual consumer requests and products within
company and industry guidelines.
Dependent on division and complexity of underwriting, reviewing financial
statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-
to-value); evaluating; examining transactions to ensure accuracy and
completeness; preparing formal reports for review; ensuring that documents
are consistent and uphold to company and industry guidelines; performing
compliance reviews; assisting with re-negotiations of loans based on
lending guidelines; contacting customers and partners to gather information
to make appropriate decisions, explain rationale behind credit decision.
CLAYTON SERVICES, CONNETICUT, 7/2005-11/2010
Contractual Due Diligence Underwriter
Underwriting Conforming, and Non-Conforming mortgage files for a wide range
of clients. Ensuring files are within compliance of clients' guidelines as
well as state and federal regulations. Utilizing Claytons CLAS system, LP,
DU, and manual underwriting. Auditing a minimum of 20 review files for
desktop system and 25 paper. Cleared stips, analyzing title work, Analyzed
closed loan files for adherence to lender guidelines, and buyer approval.
AMSTAR MORTGAGE CORP., ST.LOUIS, MO 10/2002-07/2005
Underwriter/Sr.Loan Processor
Underwrite and Process Mortgage Loan files adhering to FHA, Sub-Prime,
Conforming and Non. Utilized Fannie Mae and Mac guidelines. Review and
analyze documents for accuracy and completeness according to Lender
guidelines. Scored loans through DU or LP and manual underwrite.
RPI PROFESSIONALS, NEW YORK, NY 05/2003-10/2003
(CitiMtg) Contractual Mortgage Loan Processor/ Jr. Underwriter
Audit closed, denied, cancelled and withdrawn mortgage files. Re-verifying
loan documents, reviewing collateral documents for accuracy and
completeness. Ensuring files are within lender guidelines and state and
federal laws. Performing pre-funding verifications as needed and assisting
Quality Assurance when needed.
BANK OF AMERICA, ST.LOUIS, MO 04/1998-05/2003
Home Service Specialist/ Closer
Processed all Conforming and Non-Conforming files, with a complete
ownership of files from registration to closing. Ordered loan documents,
requesting any additional documents needed from clients, addressing any
issues. Calculated closing figures, and prepared closing documents.
Average pipeline of 120 files reaching monthly goals of 70 closings.
EDUCATION
Columbia College (59 credit hours) St. Louis, MO
SKILLS
Microsoft Office Suite
Excel
LP/DU
Encompass
Calyx
As-400
10 Key (10,500 strokes)
Typing 50wpm
Data Entry (10,200 strokes)
LPS
Class System
LIS
Outlook
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