Charles A. Smith III

***** *** ***** ******* **.

San Diego, CA 92108

Phone: 949-***-**** • Email: adormp@r.postjobfree.com

Objective

Seek to work in an environment that will challenge me further, while allowing me to contribute to the continued growth and success of the organization. Obtain a position that will provide me the ability to apply my mortgage finance knowledge and work experience to a forever changing industry. Look forward to working with a company that promotes quality products and services; and provides me with the opportunity to meet and exceed assigned company goals. Personally, I have the drive and determination to consistently achieve success as a leader in all the organizations that I have worked with in the past. Experience

Guild Mortgage – Morgan Hill, CA

Loan Processor III (Remote) September 2020 – August 2021

Ensure the timely and accuracy of purchase and refinance loan package to meet Fannie Mae - DU and Freddie Mac - LP approval for underwriting review.

Process and review AUS DU/LP to determine loan eligibility for Conventional, FHA and VA loans. Includes: FHA Streamlines, VA IRRLS and New Construction.

Collect all required FHA and VA documents though FHA Connection and WebLGY portals.

Review and validate supporting credit, income (W-2 and Self-employed borrowers), assets, property documents, address internal processing conditions, correct document inconsistencies to obtain underwriting initial or final loan approval.

Coordinate with, title, escrow officers, to obtain required property documentation to confirm title is clear of ay liens or judgements and all loan fees are accurate.

Review closing documents prior to funding to ensure closing documents are thoroughly executed by all parties.

Provide loan status to borrowers and Loan Officers, notate LOS and complete follow ups within 24-48 hours.

Amerisave Mortgage Corporation – Atlanta, GA

Loan Processor (Remote) February 2020 – August 2020

Responsible for gathering loan supporting documentation from borrower and order third party services for refinances and purchases.

Analyzing income, assets, to ensure loan qualifies under loan program.

Process and review AUS DU/LP to determine loan eligibility for Conventional, FHA and VA loans.

Review and balance closing disclosure prior to final loan submission and make any adjustments, if necessary or requested by borrower.

Evaluate and satisfy prior to funding and post-closing conditions. Charles A. Smith III

10737 San Diego Mission Rd.

San Diego, CA 92108

Phone: 949-***-**** • Email: adormp@r.postjobfree.com

FundLoans Capital & Fidelis Private Fund L.P. – San Diego, CA Loan Project Manager February 2019 – January 2020

Responsible for managing commercial loans for bridge purchase, refinance, and construction loans.

Collect, analysis supporting loan documents, such as financial documentation, property tax valuations, guarantor, and collateral information to confirm legal entities, collateral ownership, and proper loan structure to protect lender's interest.

Prepare for loan closing by ordering the appropriate servicing documentation.

Review the accuracy of borrower executed closing documents, address any discrepancies and archive in LOS.

Process payments and proper account movement in accordance with accounting requirements.

Report pre-paid interest and principal payments, strip rate, and account maintenance to investors.

Follow up on documentation exceptions for commercial loans, such as obtaining final loan policies and recorded documents.

Manage and review all construction project draw request and monitor construction progress.

Assist in marketing campaigns to generate new business. MUFG Union Bank, N.A. – San Diego, CA

Sr. Loan Processor December 2016 – December 2018

Manage loan pipeline of FHA, FHA Streamlines, conventional, purchase and refinance loans.

Evaluate mortgage loan application for accuracy, address any concerns with loan officer, escalate to management if further review is needed.

Analyze, income, credit, title and appraisal reports, request for any corrections or discrepancies before initial underwriting.

Order credit supplements, title supplements, tax transcripts, review for accuracy and authentication.

Validate closing disclosures to meet TRID guidelines, address any undisclosed fees.

Coordinate with underwriters and loan officers to ensure loan documentation is correct and all PTD and PTC loan conditions are satisfied prior to closing. Mission Federal Credit Union – San Diego, CA

Sr. Loan Processor (Contractor) August 2014– November 2016

Ensure the timely and accuracy of loan package to meet Fannie Mae DU approval.

Coordinate with borrowers to collect supporting documents for underwiring initial loan review. Address and obtain any borrower PTD conditions.

Validate borrower(s) credit, income, assets, property documents, address internal processing PTD conditions, correct document inconsistencies to obtain final loan approval.

Review closing documents prior to funding to ensure closing documents are thoroughly executed by all parties.

Charles A. Smith III

10737 San Diego Mission Rd.

San Diego, CA 92108

Phone: 949-***-**** • Email: adormp@r.postjobfree.com

Education

San Diego State University – San Diego, CA August 2021 – Current Cybersecurity

DeVry University – Long Beach, CA January 2004 – June 2005 Bachelor of Arts, Business Management and Fundamentals Montgomery College – Germantown, MD November 1998 – May 2000 Associates of Arts, Business Administration

Achievements

Voted Employee of the month of February 2021 – Guild Mortgage Closed/Funded $3.4 million Construction loan in Hawaii – FundLoans Capital Strive for Five Award Winner – MUFG Union Bank N.A. 6 mos. Top Loan Processor – MUFG Union Bank N.A.

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