Joshua Paul Smith

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

Livonia, MI ***54

ac7k6a@r.postjobfree.com

248-***-****

NMLS #1032323

Education:

Madonna University- Livonia, Mi

Aug 2011-July 2012

Master of Arts-American History

Member of Phi Alpha Theta-2013 Treasurer

Eastern Michigan University-Ypsilanti, MI

Fall 2007-Dec 2010

Bachelors of Sciences- Dual Major of History and Social Studies Schoolcraft Community College-Livonia, MI

Fall 2004-Winter 2006

General Education Classes

Work Experience:

The McNish Group-February 2017-Pres.

Surety Underwriter

1. Collect specific financial, legal and other pertinent information about customers applying for insurance.

2. Thoroughly analyze the collected documentation to determine worthiness of applicants. 3. Maintain and update a very detailed and intricate collection of files from each client 4. Other key duties performed are product sales and business development activities. 5. Manage relationships with agents, customers and other stakeholders in support of business growth and development.

Zeal Credit Union

March 2013-Feb. 2017

Mortgage Originator

1. Assists the borrower in determining the proper loan program, completing the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements, to begin the loan process. 2. Obtaining and analyzing credit reports.

3. Obtain and analyze documents regarding income and assets including but not limited to tax returns, pay stubs, W-2’s, bank statements, and retirement account statements.

4. During the mortgage loan process, communicating with the appraiser, title officer, escrow officer, underwriter and loan processor to ensure the loan is closed as soon as possible and within compliance.

5. Required to keep up to date on latest government regulations and take tests to ensure that the latest regulations are understood and being complied with.

Zeal Credit Union Nov. 2012-March. 2013

Lending MSR

1. Take and process consumer lending applications, gather necessary information regarding the loan applications.

2. Book appointments for approved loans.

3. Consumer Loan Servicing-OSI file maintenance, payment reversal, adjust receivables, loan insurance, loan extensions, Skip A Pay, termination statements, Adverse Action notices, title work, quality check booked loans, scan booked loan documents.

4. Review all closed loan documents for accuracy and for Federal/State compliance

5. Branch Support-Assist Tellers with consumer loan questions and procedures

University of Michigan Credit Union Aug. 2012-Nov 2012 Bank Teller

1. Receive checking and savings deposits: verify cash and endorsements, receive proper identification for cash back, and issue receipts of deposit. 2. Examine checks deposited and determine proper funds availability based on regulation requirements and complete Hold Notices. 3. Process savings withdrawals, Cash checks: verify endorsement, receive proper identification, and ensure validity, Identify counterfeit currency. 4. Answer basic customer inquiries regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies

Activities

Participated as mentor in Youth Baseball, Football, and Bowling camps Umpired Youth baseball for Livonia Junior Youth League (L.J.Y.L) Skills:

Microsoft Office-Word, Excel, Outlook, Power Point