Mortgage Professional/ Manager

SHERRIE SMITH

*** *. **** **. # ***

St. Louis, MO 63101

636-***-**** *******.*******@*****.***

UNDERWRITER

Results-driven, top-producing leader with solid record of identifying and capturing opportunities to accelerate productivity. Accomplished in Credit Analysis, Adept in standard processing software and Conventional guidelines . Highly successful in managing relationships with team members and efficient in high volume production. Skilled underwriting at levels I,II & 3 Step/Level IV . Motivated producer as an Individual or in a team environment. Committed to peak productivity , accuracy and compliance in underwriting.

CORE COMPETENCIES

Manual Underwriting High Volume Compliance FNLMC/FNMA FHA/VA

Appraisal Review Title Review Income Review Analysis of Tax Returns DU/LP

Consultative Sales Contract Review Sales Tactics & Techniques Detail Oriented Production Environment Task Oriented Manual Underwriting Customer Service

PROFESSIONAL EXPERIENCE

PHH MORTGAGE, Jacksonville, FL

Private Mortgage Servicing 2011- Present

Underwriter III

Manual and automated review of residential loans. Signing authority of 2 million for ultra high net worth clients for Merrill Lynch and Charles Schwab. In depth analysis of business and personal tax returns for self employed clients. Trained extensively in business and personal tax returns. Underwriting decision based on credit, income and Assets of borrower. Review of 4-6 loans per day due to the complexity of file.

PARAMOUNT MORTGAGE, St. Louis, MO

Independently Owned Company 2007-2010

Underwriter

Residential mortgage loan underwriter for conventional loans via DU/LP. Underwrote in accordance with Conventional Loan Guidelines ensuring compliance with company and investor guidelines. Decisioned 7-9 loans per day. Reviewed income documents, tax returns, credit reports, title and appraisals. Worked closely with processors ,loan officers and customers.

PREMIER MORTGAGE, St. Louis, MO 2004-2007

Residential home loans for net branch mortgage banking company.

Underwriter

Underwrote residential home loans. Ensured compliance with appropriate company and secondary investor market standards. Reviewed and examined loan documentation for accuracy and completeness. Responsible for clearing conditions and worked closely with processors, productions staff and originators. Giving detail to all loans verifying that all meet necessary guidelines and programs for Conventional and Subprime loans.

HEARTLAND HOME FINANCE, St. Louis, MO

Residential home lender for national mortgage lending company. 2001-2004

Loan Officer/Processor

Originated residential home loans for national lender. Consulted with borrowers on loan options and programs reviewed credit and income documentation. Collected loan documentation necessary to secure financing. As a processor, ordered and reviewed title and appraisal. Cleared conditions, schedule closing, prepared compliance files after closing.

METRO IMAGING, St. Louis, MO

Diagnostic Radiology Center serving the St. Louis area. 1999-2001

Sr. Marketing Representative

Marketed diagnostic radiology services to area internal medicine, orthopedic surgeons and OB-Gyn practices. Implemented marketing strategies and protocols for entire marketing staff. Increased volume resulting in extended business hours and additional locations within 12 months. Developed strong alliances with area practices and hospitals and rehab facilities.

SHERRIE SMITH PAGE TWO

EDUCATION Communication Arts, Southern Illinois University, Edwardsville, IL

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