TROY SMITH

**** ******* ****, **********, **** **224 C: 513-***-**** adqsdb@r.postjobfree.com

Objective: Mortgage industry professional with advanced knowledge of all facets of loan processing, client relationship development, and project management. Seeking to obtain a position that will utilized professional experience and given the ability to work well within a diverse population.

Skills

Administrative assistance, Mortgage lending, Microsoft office suite, customer service, and time management.

EXPERIENCE

Loan Processor 3 05/2020 to Present

US Bank: -Cincinnati, OH

●Worked all loan types which include FHA, VA, USDA

●Demonstrated knowledge of processing, underwriting, and closing procedures based on company's guidelines.

●Assisted in helping team members who were in need of loans being worked & closed in a timely matter to meet close dates if it was a purchase or a refinance.

●Coordinated processing the file from the time it gets in my pipeline until it's final disposition.

●Closed on average 15 to 25 loans per month based on pipeline size.

●Provided high lead of customer service by being proactive in communicating with the borrowers & loan officers on conditions that were needed.

Loan Processor 05/2016 to 2020

Tata Consultancy Services: -Cincinnati, OH

●Analyzed bank statements, loan documentation, calculate income, review assets, and clear conditions prior to closing.

●Reviewed reports to ensure all required tasks are completed.

●Managed pipeline to meet deadlines.

●Communicated with underwriting, loan originators, and closing.

●Strong working knowledge of conventional loans.

●Knowledgeable of Automated Underwriting Systems (LP, DU, and GUS).

Homeowners Assistance Counselor 05/2015 to 5/2016

Fifth Third Bank -Cincinnati, OH

●Analyzed borrower’s financial statements, tax returns, credit reports, etc. and recommended the best alternative to the customer.

●Reviewed and analyze title searches, asset searches, and customer records. Negotiated and pre-approved workouts on FHA, and VA loans.

●Arranged for contractual services relating to property inspections, appraisers, real estate agents, etc, as needed.

EDUCATION

BS: Business Education/Office Systems Management

Northern Kentucky University - Highland Heights, KY

ACCOMPLISHMENTS

●Achieved Employee of the month three times at Weltman Weinberg & Reis

●Met Company quota 20 out of 24 months with Weltman Weinberg & Reis.

●Generated over $100,000 in income to sales ratio within six-month period.

●Reached overall loan processing goals for the year that loans were required to be closed, audit scores, and FQTA.

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