Alsundra Smith

**** ********* *****

Little Elm, TX 75068

PHONE 214-***-****

E-MAIL: ady3s8@r.postjobfree.com

Career Objective:

To obtain a challenging position which will provide for career advancement and an opportunity to fully utilize my skills, abilities, and educational experiences.

Professional Experience

PennyMac, Plano, TX 2020- Present

Home Specialists II

Performing complex data and document validation.

Handling emails or chat sessions

Evaluating income for compliance with product guidelines

Interacting with multiple departments to expedite processing and issue resolution

Performing other related duties as required and assigned

Demonstrating behaviors which are aligned with the organization’s desired culture and values

Liberty Mutual Insurance, Plano, TX 2018-2020

Insurance Assistant

●Manage 150 claims daily that includes; outbound calls, inbound calls, securing damage photos, uploading photos to the corresponding claim, and move the claim forward to be appraised within the express channel.

●Efficiently manage in process queues to identify severity of damage for the appraisal team.

●Verify severity of damages if rechanneling is necessary to our field partners.

●Effectively work our team email inbox to confirm if the claim can be moved forward to our appraisal team. EST inbox receives on average 500 emails per day.

●Collaborate with our team on continuous improvement of our processes.

●Successfully work in a partnership with the assigned claim representative to best serve our customer.

Small Business Administration, Fort Worth, TX 2017-2018

Loan Officer

●Reviewed Residential and Business Loan applications; assessed financials to include: Federal Tax Returns, Credit Bureau reports, Schedule of Liabilities, Personal Financial Statements and other supporting documents to determine loan approval or decline

●Knowledgeable of IRS Forms: 1040, 1120, 1120(S), 1065, 990EZ, and 1041 along with various schedules

●Analyzed loan applications and related financial documents, considering such factors as assets, liabilities, capital, business projections, income flow, prospective earnings, and repayment ability.

●Determined loan applicants’ Cash Available to Service Additional Debt (CASAD), in order to establish a target loan payment which leaves sufficient cash available to support interest payment on unscheduled debts

Treliant Risk Advisors (Contract), Richardson. TX 2016-2017

Mortgage File Reviewer

Reviewed residential mortgage loan files on properties on a contract basis

Duties include performed mortgage file review from all documentation recorded in the file from beginning of the signing of the note to actual foreclosure sale of the property.

Followed prescribed guidelines for rating/coding of the data points finding.

Assisted in maintain confidentiality of client information and case materials.

Worked in compliance with established company policies and procedures

Delivered high quality and error-free document review services to clients.

Capital One Bank Plano. TX 2013–2016

Loan Processor/Jr. Underwriter

Accurately process verification of employment, verification of mortgages and any other form of verification methods needed to verify files,

Communicate with loan officers, buyers, and title companies.

Obtain and verify that all underwriting conditions are received and cleared by the underwriter and prepares the file for closing.

Distribute and exchange information with other team members, follow up with customers, referring customers to appropriate persons and composing correspondence.

Ensure compliance requirements of the mortgage industry. Calculate self-employment income when needed.

Monitor and insure closing dates and company deadlines are met.

J.P Morgan Chase Lewisville, TX 2010-2013

OCC Analyst

Handle Foreclosure cases from referral through the transfer of the foreclosure file to REO

Responsible for researching mortgage loans that has delinquent account history, organize evaluate and service the equity analysis process.

Process incoming mail and email to determine and proceed with appropriate actions.

Respond to written and verbal inquiries in a timely manner

Run pipeline reports for my manager to ensure loans are on hold no longer than 20+ days.

Responsible for investigating and evaluating lien position, determining title issues, and feasibility of Foreclosure.

Order BPO's, RMV’s, Credit Bureau Reports, and O&E's.

Research misapplied payments, tax and hazard payment discrepancies, and provide written documentation to any internal or external customer.

CitiMortgage 2007-2010

Customer Service /Mortgage Sales Consultant/Processor/Underwriter

• Answer Inbound calls from customers inquiring about refinance and new mortgages

• Increases Mortgage loan portfolio by developing business contacts.

• Met mortgage loan operational standards by contributing mortgage loan information to

strategic plans and reviews, implementing production, productivity, quality, and

customer service standards.

• Met mortgage loan financial standards by providing annual budget information and

monitoring expenditures.

• Review and verify borrower’s income, credit report, employment history,

property appraisals, and title insurance information to prepare loan applications

for underwriting submittal.

• Attract new mortgage loan applications by developing relationships with customers

and making sales calls to prospective customers.

• Ability to handle multiple tasks and maintain confidentiality.

Education:

Jackson State University- Jackson, MS Bachelors of Arts in Business Administration, August 2000

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