RONALD SMITH
**** ** **** ******, **********, FL 33313 * H: 954-***-**** * ********@*****.***
PROFESSIONAL SUMMARY
Twenty seven years of experience addressing mortgage lending functions as a dedicated
Individual, who has the ambition to succeed in any working environment. Fast learner and always up
for a challenge, whatever the situation. Demonstrated the ability to work with others when
help is needed while working efficiently on my own. Good verbal and written skills. Professional,
detail-oriented, thorough and careful.
SKILLS
Microsoft Word, Excel, Outlook Express, Power Point, EDMS, NewCAPS, Fax Machines, Copy Machines, USPS, UPS and FedEx Ship Manager online.
EXPERIENCE
USDA DOCUMENT SPECIALIST CLERK
Freedom Mortgage * 06/2016 – 04/2018
HL RH Support Staff 1 * Chase Rural Housing * 08/2011 – 06/2016
Chase Rural Housing through Aerotek Temp Service * 04/2008 – 062011
Reviews closed mortgage loan documentation to ensure documents are executed properly, mortgage loan meets insurer and Agency guidelines, and Agency is in first lien position.
Review/audit mortgage loan documents for various loan programs, and verify for accuracy and completion in accordance with established operating procedures.
Responsible for solving more general post-closing and title company issues.
Acquire and maintain knowledge of state/registry document and execution requirements.
Audit and validate loan documents to ensure accuracy, completeness, and all signature requirements have been met.
Prepare loan delivery packages for delivery to appropriate investors.
Update/maintain loan originating system to ensure timely delivery of loan files and record dates of events such as shipping dates.
Follow up with investors to verify all conditions are satisfied and loans are funded in an expedited manner.
POST CLOSING/INVESTOR COMPLIANCE SPECIALIST
First NLC Financial Services, LLC 10/1998 – 08/2007
Responsible for tracking closed loans, reviewing both legal and credit aspects of files as well as collateral documents and approving loans for purchase.
Reviewed problem files to determine best course of action to correct issues; this resulted in saving company from a potential loss in revenue.
Checked for adherence to company standards and basic due diligence.
PREVIOUS EMPLOYMENT
Vacation Break USA – Pompano Beach, FL – Installment Loan Specialist
Citizens Federal Bank – Fort Lauderdale, FL – Loan Acquisition Auditor
Calventon National Cemetary – Riverhead, NY – Grounds Maintenance
Wooden Environment – West Hampton, NY – Wood Technician
Tyre Landscaping – Riverhead, NY – Asphalt Paver and Landscape Technician
AWARDS
2003 Circle of Excellence
2003 Employee of the Year
EDUCATION
RESIDENTIAL MORTGAGE LENDING CERTIFICATE OF COMPLETION – AUGUST 1993
MORTGAGE LOAN SERVICING CERTIFICATE OF COMPLETION – JUNE 1991
RIVERHEAD HIGH SCHOOL – RIVERHEAD, NY