Seng Smith

Phone: 469-***-**** E-mail: ad24wf@r.postjobfree.com

Professional Summary:

• Accomplished professional over 7 years of experience in the Mortgage and Banking industries and additional expertise in reverse mortgages.

• Experienced in working in HUD Claims, auditing, training, processing default foreclosure, claims analysis Specialist, short sales deed in Lieu's, Loss Mitigation, Loan Processing, Mortgage originator and Commercial Lending Specialist, Wholesale banking, Bilateral agreements and Syndicated and Evergreen loans.

• Provided comprehensive Tier III support to bank and credit union employees/members, solving complex bank and credit union fraud attacks and various technical issues efficiently and effectively.

• Exceptionally knowledgeable in FNMA, FHLMC, FHA, VA guidelines and analyze reconciliation reports, Credit, Risk and Reserves Management Technical Skills:

• E-Boutique, SQL, TRAX, Hummingbird, Hermit, Serfs, TRID, Encompass, ELC and Loan sphere.

• Celink, Loan Protector, FileNet, Chip, Microsoft Excel, Word, PowerPoint, Outlook, EB, MSP and ELC, workstation, Equator, Mortgage Serve, Black Knight, ACBS, AFS and Wall Street Office (WSO).

• LPS Desktop, Invoices Management, Business Objects, MSP, FHA Connection, Google research, Pacer, and Flex cube and 40-45 WPM, 10-key experience. Education:

• High School Diploma Cornerstone High School - Townsend, GA April 2005.

• Brookhaven College Farmers Branch, TX December 2013. Professional Experience:

Contemporary Staffing Solutions, Inc. - Dallas, TX June 2023 to Aug 2023 Banker Relationship Specialist and Loan Claims Specialist

• Review and complete claims for compliance, collateral and service package ensure all claims comply with FHA and other investor guidelines.

• Followed and delivered scripted campaigns to the borrowers for determining proper transfer workflow to appropriate department. Maintained borrower records and update customer account information

• Create client conversation scripts, criteria and supplemental materials, perform client outreach calls, email, meetings, coordination, and associated reporting and tracking.

• Interact with clients to facilitate collection of documentation, track surge support weekly and forecast monthly to help you determine ongoing surge support needs.

• Assist clients in understanding and selecting various banking products and services, such as loans, investments, and accounts, tailoring these offerings to individual financial goals and providing teller transaction services by developing, managing, and retaining relationships with customers.

Tata Consulting Services (TCS) Dallas, TX Feb 2020 to Oct 2022 Mortgage Loan Processor and Financial Risk Analyst Specialist

• Gathered information and took each file from pre-approval to closing. Input proper loan information into the system for processing and meet crucial deadlines requested.

• Provided financial claims expense invoicing, reporting, analysis, determining reimbursement and forecasting including the preparation of financial claims expense, invoicing balance sheet and income statements through the month end closing.

• Manages a pipeline of mortgage loans. Reviews file submissions for accuracy and completeness. Verify that all required documents are properly located in the loan files. Performs initial review of income, credit report, and assets to ensure lender guidelines are met. Requests and follows up on all outstanding items with borrowers.

• Maintains a high level of customer service by being proactive in communicating with borrowers and team members. Provides clear, effective communication with borrowers and team members when completing file-related activities.

• Ensures all compliance and regulatory requirements are adhered to according to federal and state laws as well as company guidelines.

• Submits completed loan package to Underwriter for review and approval and submits completed loan package to Closing upon final review.

• Ensure the loan origination system is kept up to date with current information and Miscellaneous duties as assigned.

• Ordered all required documents including bank statements, payoff letter, VOR, VOE, VOD's, HOI, AUS, W2, Trust, Subordination, Title, home insurance and tax transcript, etc.

• Performed pre-sale credit risk evaluation, including financial statement analysis and analysis of data obtained from bank and trade references, prepared recommendations and made credit approval decisions on new accounts and analyzed and reports on credit memos and wrote off activity and assisted in the preparation of annual and quarterly financial reports in compliance with US GAAP SEC and other financial reporting requirements and Draft financial statement footnotes. Collected and reviewed legal loan and funding documentation for operational feasibility.

• Interpreted and understood legal documents pertaining to underwriting and perform due diligence to comply with the lending requirements and process financial Statements, Appraisal reports, Borrowing Base Certificate, Compliance Certificate, Mortgage documents, Credit Agreement and abstract critical data.

Southwest Airline - Dallas, TX May 2019 to Nov 2019 Aircraft Record Analyst

• Processed and reviewed maintenance transaction and documentation to ensure accuracy and completeness in the Tech Ops maintenance systems (SCEPTRE and System Time Control) and Air Vault document application for active aircraft.

• Managed part and task related configuration of active aircraft and generated internal instructions for ongoing maintenance items in SCEPTRE, including new aircraft deliveries and modifications.

• Implemented SCEPTRE controls and procedures on active aircraft requested by Engineering, maintenance Programs and Maintenance Control departments to satisfy OEM and FAA requirements.

• Corrected discrepancies by exercising problem solving skills to ensure Tech Ops maintenance systems reflect actual configuration and maintenance/inspection status of active aircraft, engine, APU, landing gear assemblies and components.

• Collaborated with Tech Ops partner departments on projects and initiatives including maintenance Programs, Engineering, Maintenance Planning and Quality Assurance.

• Base Maintenance stations or internal shops Engages suppliers and vendors as required for part maintenance discrepancies and documentation to ensure proof of compliance with maintenance or modification activity on active aircraft components. Mr. Cooper, Reverse Mortgage - Irving, TX Jul 2015 to Nov 2018 Claims Analyst Specialist and Loss Mitigation Specialist

• Worked FHA, VA Claims 99.95 percent or Higher, Submitted 60 loans a month out of pipeline for payment, Analyst Collateral, Compliance and Service Package.

• Provided comprehensive investigative knowledge to examine and solve Identify Theft, consumer lending, ACH, account takeover, check and credit card fraud cases.

• Reviewed escalated HUD claims attempt to resolve and receive payment for assist with locating documents or resolving issues for other clearer and producers on HUD resolution team.

• Performed data entry keeping information current for investor and management reporting such as tracking status reports to assure processing timeframe are being met and Reviewed Title Policy Schedule Part A and Part B II Make sure matching with 1st and 2nd Mortgage.

• Specialized in credit card fraud investigations and high-risk analysis to solve identity theft, account takeover, fraud application and high-risk fraud, using multiple complex IT tools.

• Monitored and performed quality assurance on outbound and inbound collection calls and prepared regular loss mitigation file status reports on a regular basis.

• Upheld fair commercial lending practices of JPMorgan Chase Mortgage and met targets for productivity, quality and engaged in efforts to prevent foreclosure through loan modifications, repayment plans, short sales, or Deed in Lieu and Experience in B2B AR, collections, customer service, researching and problem solving.

• Strengthened the customer relationship by effectively identifying customer needs, resolving issues and providing a customer experience that creates an exceptional experience. Accurately responded and educated borrowers on loss mitigation options and understanding of Agency, Investor, Client and regulatory loss mitigation guidelines.

• Followed and delivered scripted campaigns to the borrowers for determining proper transfer workflow to appropriate departments. Maintained borrower records and updated customer account information.