**** *. ** ****** **, Tucson, AZ *****

313-***-**** • kathrinehighsmi th@gmai l . com

KATHRINE D. HIGHSMITH

MORTGAGE PROCESSOR

Innovative and dynamic professional with almost 10 years of progressive career experience directing the key financial strategies and operations and providing mortgage consulting and processing. Possess hands- on intense experience cultivating relationships with clients and personnel. Play a key member of a team influencing clear vision for success with aptitude to establish goals, develop highly responsive relationships and engage with key internal and external stakeholders. Foster an atmosphere of teamwork and collaboration with an emphasis on goal attainment. AREAS OF EXPERTISE

Effective Communication

Customer Relationships &

Retention

Sales Generation

Team Leadership & Adaptability

Conflict Mitigation

Problem Solving &

Troubleshooting

Income Calculation

Mortgage originating

Superior Organizational Skills

Cross-Functional Collaboration

Quality Assurance & Control

Compliance Management

Fannie Mae and Freddie Mac

guidelines

Knowledge of FHA requirements

Advanced IT Literacy

CAREER HIGHLIGHTS

§ Leader in Net Promoter Scores receiving a 100% in client satisfaction.

§ Close purchase loans within 15days of application.

§ Save the company thousands of dollars each month closing files before rate lock expiration.

§ Awarded Star Player nominated by peers.

§ Awarded Galaxy of Thanks from top producing lending officers. PROFESSIONAL BACKGROUND

CITIBANK, ANN ARBOR 2012 – PRESENT

MI MORTGAGE PROCESSOR

§ Review loan files to insure that federal, state, and organizational regulations are met, including RESPA, TILA, ECOA and FCRA.

§ Perform basic mortgage calculations to validate score based approval.

§ Provide status updates to loan officers, borrowers and vendors.

§ Prioritize work flow to ensure time sensitive files are handled in proper order.

§ Contact borrowers and follow up with vendors to request additional documentation as needed.

§ Verify accuracy of system input and ensure data integrity of all inputs.

§ Review necessary documentation, such as income, assets, credit report employment verifications, appraisal and preliminary title report.

RANDSTAND - CITIBANK, ANN ARBOR 2011 – 2012

MI MORTGAGE COORDINATOR

§ Verified and examined information and accuracy of loan application and closing documents.

§ Calculated, reviewed, and corrected errors on interest, principal, and payments using loan calculator.

§ Sent closing documents and followed-up with vendor to ensure timely closing.

§ Proficiently followed the guidelines of the HARS streamline program. ASSET ACCEPTANCE, WARREN 2009 – 2010

MI DEBT COLLECTOR

§ Communicated with customers via outbound and inbound phone calls as well as other means of communication; secured balance of debt by negotiating payment terms and methods.

§ Utilized various means of skip tracing to locate customers.

§ Recorded and updated full, precise, and complete account information to aid in account resolution.

§ Thoroughly adhered to FDCPA and state and federal laws and regulations.

313-***-**** • kathrinehighsmi th@gmai l . com

KATHRINE D. HIGHSMITH

SPRINT, AUBURN HILLS 2008 – 2009

MI SALES & CUSTOMER SERVICE SPECIALIST

§ Consistently met and surpassed challenging monthly sales goals matching wireless and data solutions to fit customers’ needs.

§ Promoted and sold products and services, actively solicited new customers through inside sales, networking, and store marketing events.

§ Cultivated customer relationships to achieve and maintain high retention rates.

§ Successfully worked with advance technologies in voice data and media entertainment. ADVANCE AMERICA, HARPER WOODS 2006 – 2008

MI COLLECTIONS / CUSTOMER SERVICE SPECIALIST

§ Processed and approved loans by analyzing their credit worthiness, intent and ability to pay.

§ Performed daily collection calls and scheduled payment arrangements.

§ Conducted closing activities, reconciled drawers and bank deposits.

§ Audited customer files to ensure accuracy and compliance with state and federal regulations. CREDIT ACCEPTANCE, SOUTHFIELD 2007 – 2008

MI CREDIT ANALYST

§ Coordinated with dealers via phone, fax and email to complete contracts and address service questions.

§ Evaluated and negotiated contracts to make informed funding decisions based on credit risk.

§ Proactively analyzed dealer funding performance to identify improvement opportunities that reduce contract cycle time and increase compliance.

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