Project Manager

PENNY SMITH

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

Traverse City, MI 49686

231-***-**** (Cell)

231-***-**** (Landline)

************@*******.***

OVERVIEW OF QUALIFICATIONS:

Experienced Professional with expertise in the area of operations and

finance with the residential mortgage industry. Results oriented the

ability to multi task several projects, coupled with the skill to negotiate

with Lenders on behalf of the Client.

EXPERIENCE:

Farmington Research

WindLab Development

2009-2010

Lease Specialist - Responsible for contacting Landowners in Project area

scheduling meetings to explain Wind Energy Lease. Scheduling and presenting

information on project to Landowners. Working hand in hand with Title

Companies regarding Title Searches. Preparing Leases, submitting Leases,

Tracker and various reports to Project Developer, scheduling Lease

Signings. Working with County Officials regarding Variance Requests, Wind

Ordinance.

Farmington Research

Traverse City, MI 2008-2009

Lease Specialist - Responsible for contacting Landowners in Project area

scheduling meetings to explain Wind Energy Lease. Working hand in hand

with title company regarding searches. Preparing Leases, submitting

Leases, Tracker and various reports to Faulk and Foster, scheduling Lease

Signings. Working with County Officials regarding Variance Requests, Wind

Ordinance.

Accurate Mortgage Processing Service

Traverse City, MI 2004 -2008

Self-Employed - Responsible for all phases of processing first and second

lien mortgage loans of all types and Reverse Mortgages. Reviewing State

and Federal disclosures signed by Client for compliance with government

authorities and Lenders, reviewed all disclosures, purchase agreements,

title commitments for accuracy prior to submission to Lenders. Developed

lasting relationships with Customers, Mortgage Professionals, Realtors,

Lenders and Title Companies

P.A. Smith and Associates

Royal Oak, MI 1992 -2004

Self-Employed - Represented Private Investors from the Detroit area

financing purchase and rehab of single-family homes. This also included

financing of construction loans for the manufactured/modular/land/home

market. Took applications, made all credit decisions, processed loans,

prepared closing packages, ordered and reviewed all title commitments and

serviced all construction draws. Acquired end loan financing for

construction loan borrowers.

Investaid Corporation

Birmingham, MI 1989 - 1992

Account Executive - Responsible for processing, closing, secondary

marketing of non-conforming, single-family residential loans.

Shore Mortgage Corporation

Southfield, MI 1987 -- 1989

Manager/Underwriter - Single-family conventional and FHA/VA financing.

Included managing closings and loan sales.

MLA, Inc.

Royal Oak, MI 1986 -- 1987

Processor -- Conforming conventional and FHA/VA loans.

First Financial Mortgage Corporation

Southfield, MI 1984 - 1986

Processor - Conforming conventional and FHA/VA loans.

Foster Mortgage Corporation

Houston, TX 1980 - 1984

Processor - Conforming conventional and FHA/VA loans.

References Available Upon Request

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