SBA Commercial Real Estate Closer
Resume:
Charles A. Smith III
San Diego, USA ***** - 949-***-**** - *******@*****.***
Profile
Experienced professional in commercial and mortgage sectors, recognized for my high productivity and efficient task execution. I am skilled in negotiation, building relationships with business clients, and developing customized operational strategies. With strong communication and problem-solving skills, I ensure smooth transactions and high customer satisfaction. I am committed to excellence and dedicated to driving success for both clients and the business.
Core Proficiencies
Commercial and Mortgage processing
FHA / VA lending guidelines
Income and property analysis
NCino
Salesforce
Encompass
Mortgage Cadence
Byte
LaserPro
Accounting
Underwriting guidelines
Account Management
Database Management
Network Infrastructure
Cybersecurity
Closing techniques
Application review
Team collaboration
Customer service
Technical documentation
Data analysis
Regulatory compliance
Experience
US Bank N.A. October 2021 to Current
Commercial Real Estate SBA Closer / Loan Documentation Specialist 5
San Diego, CA
Point of contact for Relationship Managers and clients requesting services such as collateral releases, loan modifications, and payoffs.
Work with legal counsel and title companies to record title endorsements, make vesting changes, and finalize subordination agreements.
Ensure the precision of all closing documentation and check for compliance with regulatory issues.
Resolve loan-related issues promptly to maintain portfolio integrity and customer satisfaction.
Coordinate with borrowers and Relationship Managers for timely processing of closing documents and loan payments.
FundLoans Capital & Fidelis Private Fund L.P. February 2019 to February 2021
Commercial Loan Project Manager
San Diego, CA
Supervised commercial loans, including bridge purchase, refinance, and construction financing from origination to closing.
Collected and analyzed loan documents such as financial records, guarantor details, property tax valuations, and collateral ownership verification.
Ensured legal entity validation and appropriate loan structuring to safeguard lender interests.
Order and record the required servicing documents for the loan closing.
Followed accounting regulations and reported prepaid interest, principal payments, strip rate, and investor account maintenance.
Union Bank April 2013 to February 2021
Sr. Loan Processor
San Diego, CA
Managed and funded a large loan pipeline that included FHA, Conventional, purchase, and refinance loans.
Ensured accuracy of mortgage applications and addressed concerns.
Analyzed income documentation, credit, title, and appraisal reports, resolving discrepancies.
Requested and reviewed credit and title reports and ordered supplements to resolve discrepancies.
Complied with TRID rules for Change of Circumstance (COC).
Coordinated with loan officers and underwriters for documentation accuracy before closing.
Education
American InterContinental University Expected in November 2025
Bachelor of Science: Information Technology
Atlanta, GA
Coursework: Discovering Information Technology, Computer and Network Hardware, Operating Systems, Programming Logic, Databases, Network Infrastructure, IT Security, Mobile Technologies, Human/Computer Interfaces, IT Capstone Project
Epsilon Pi Tau
2025 - Dean's List
2024 - Dean's List
San Diego State University
Some College: Cyber Security
San Diego, CA
Coursework: Discovering Information Technology, Computer and Network Hardware, Operating Systems, Programming Logic, Databases, Network Infrastructure, IT Security, Mobile Technologies, Human/Computer Interfaces, IT Capstone Project
Websites
linkedin.com/in/csmithfund
Certifications
A+ IT Essentials
MS Word
Excel
PowerPoint
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