Mortgage Underwriter Loan Processor
Resume:
Iesha P.
Smith
**** * ***** ******, ************, IN 46218
*************@*****.***
Family instilled a love for finance in me as a child, as well as an outstanding work ethic. While in the mortgage industry, I won performance awards such as the ‘Underwriter of the Year’ and trips. Also in the midst of challenges within this industry, I’ve maintained a living as an Organizational Consultant, my entrepreneurial enterprise.
Now I’m seeking to return back to the office environment where I can leverage my finance, business, compliance and screening/review skillset, to help others realize their own version of the American Dream through financial opportunity.
Experience
2005– PRESENT
Entrepreneur/Organizational Consultant, Indianapolis, IN
Receive clients word of mouth primarily. Some include Twin Oaks Golf Course, Colts Staff, 16th Street Automotive.
Prepare taxes, payroll, accounts payable and receivable.
Manage 4, 1099 employees and their work schedules.
Follow client instructions to the letter and provide two final inspections.
MARCH 2019 – DECEMBER 2021
Escrow Officer-Closer/Stewart Title/Indianapolis, IN
Processing and finalizing real estate deals.
Ensured all aspects of the property agreement were compliant, in order to complete the legal paperwork, and transfer funds once the transaction was finalized.
Oversaw that all documents were signed and dated properly by buyers/sellers.
Provided customer service support when explained all documents’ meaning, and offered answers if questions arose from all parties.
Ordered title and lien payoffs; prepared lien releases.
DECEMBER 2012 – MARCH 2019
Mortgage Underwriter/Compliance Analyst/Stonegate Mortgage, Indianapolis, IN
Reviewed final documents, credit reports, applicable ratios (DTI/LTV) in order to to approve or reject mortgage loan applications based on the applicants’ eligibility.
Reviewed appraisals or property evaluations and various factors.
Reviewed documents (RESPA) for accuracy and completeness for compliance to ensure the loan was marketable.
MAY 2005 – AUGUST 2012
Loan Processor/Underwriter/National City Bank dba First Franklin Financial Loan, Indianapolis, IN
Prepared loan files and submitted them to underwriting /banks.
Met with lenders for approval.
Ensured all documents and signatures are in order prior to submission ( interviewing, assessing, and researching loan applicants.)
Acted as the liaison between potential clients, financial institutions, conducting client evaluations, credit reports, researching, and preparing loan package documentations.
Reviewed final documents, credit reports, applicable ratios (DTI/LTV) in order to to approve or reject mortgage loan applications based on the applicants’ eligibility.
Reviewed appraisals for property evaluations and various factors.
Reviewed documents (RESPA) for accuracy and completeness for compliance to ensure the loan was marketable.
Technical Skills
Calyx Point • Encompass Digital Mortgage Solutions • Fannie Mae DU • Freddie Mac Loan Advisor, LP (Loan Processor) • SoftPro • Resware • RamQuest Microsoft Windows 7,8,10, Vista, and XP
Organizational Skills
Entrepreneurship • Detailed-orientated • Customer Service • Back and Front Office • Background screenings • Decision making and meeting daily deadlines
Education
2011
Ivy Tech Community College (Pre-Law)/Indianapolis, IN
1994
High School Diploma with college preparatory classes (marketing, finance, advertising, and DECA, program, which prepares emerging leaders and entrepreneurs for careers in finance, marketing, hospitality and management/Indianapolis, IN
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