KIMBERLY A. SMITH

**** **** ******

St. Louis, MO 63367

314-***-****

abgx8e@r.postjobfree.com

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Audit closed, denied, cancelled and withdrawn mortgage files.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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