TAMARA L. SMITH

*** ***** ******* ****** **** Stanfield, NC 910-***-****

adq4gg@r.postjobfree.com

PROFESSIONAL OVERVIEW

More than 18 years of combined financial industry experience. Strong knowledge of banking rules, regulations, and product sales from deposit accounts to various credit products. Ability to assess customers' financial needs and provide service accordingly. Highly collaborative with the team to resolve operational, procedural, and personnel issues, often involving confidential and sensitive issues.

Consumer Lending

Underwriting

Compliance & Regulations

AREAS OF EXPERTISE

Team Member Development / Training

Relationship Building

Sales

PROFESSIONAL EXPERIENCE

Jumbo Non-Conforming and Conforming, Ally Bank Channel - Sr. Underwriter

Better Mortgage, Remote April 2021-Current

-Review, analyze and decision jumbo non-conforming and conforming mortgages for both refinance and purchase transactions through DU and/or manual platforms to ensure mortgage salability.

-Underwriting functions include: review and analysis of 3 credit bureaus, evaluation of appraisals, cash flow analysis (individual, S Corp, C Corp, Partnerships, Rental and Trusts), evaluation of debt to income ratios (ability to repay), review and validate assets (cash to close and reserves), and review / mitigate red flags.

-Work in tandem with Home Advisors, Loan Consultants and Loan Rangers to ensure the mortgage transaction is completed expeditiously by providing clear communication / understanding, and utilizing additional platforms available for verifications (to minimize additional documents), in an effort to increase turn time and overall customer satisfaction / loyalty.

-Exceeds department quality metrics standards (QA) while exceeding underwriter production standards.

Conforming Mortgage and Equity Channel - Sr. Underwriter (SAFE) 4

Wells Fargo Bank, Charlotte, NC March 2012-April 2021

-Strive to help clients achieve their financial goals through credit solutions, to exceed customer expectations and further build client relationships.

-Review, analyze and decision mortgage applications, while complying with applicable laws and regulations

Perform judgmental underwriting: Review and analysis of 3 credit bureaus, evaluation of appraisals, cash flow analysis with evaluation of debt to income ratios (ability to repay) and property titles

-Soundly manage risk to adhere to risk tolerances and take appropriate action to align with company’s risk tolerance

-Solid history of exceeding quality metrics standards (QA) while leading team in production, turn time, close ratios and client/banker satisfaction

TAMARA L. SMITH ● 910-***-**** ● Page 2

-Review and approve applicable exceptions based on each unique circumstance and mitigates what makes sense for the client and the company

-Provide mentorship and onboarding to Home Lending Processors and Underwriters

Commercial Bankers Assistant II

First Citizens Bank, Charlotte, NC July 2011- March 2012

-Evaluate information from a variety of sources to approve, decline or offer other solutions to commercial clients while providing top notch service to strengthen the overall bank relationship.

-Assist commercial banker with daily tasks in order to establish new commercial loan requests.

-Correspond with customers to obtain and maintain financial and other pertinent information.

-Input loan summary and financial data into Max loan system.

Mortgage Underwriter/Originator

Bank of Stanly, Albemarle, NC April 2005 – July 2011

-Originated mortgage application through DU and LP underwriting platforms. Gathered and reviewed documents per Fannie Mae guidelines. As with all credit requests, reviewed and analyzed borrower’s documentation of income, credit reports, escrows, appraisals, and applicable ratios for terms and loan amounts up to $417,000.

-Developed new business by making sales calls to potential and existing customers as well as local realtors to increase market share. Held lunch and learn seminars to community leaders and organizations to promote Bank of Stanly financing products.

-Corresponded with customers, title companies, appraisers, realtors, and attorneys from application to closing.

-Effectively managed pipeline to ensure timely closings.

-Mentored and worked as a subject matter expert to new employees.

-Provided superior customer service.

EDUCATION

Florida Atlantic University, Boca Raton, Florida

Bachelor of Science, Management, December 1996

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