Antonio A. Smith
South Charleston,WV
Summary
My professional experience has mainly been in mortgage banking for the last 14 years such as loan processing, assistant underwriter, post-closing, closing, etc… I would like to continue my career in mortgage banking or a career path where my talents can be utilized.
Overview
16
16
years of professional experience
Work History
Sales Liaison
United Mortgage Corporation
02.2021 - 10.2024
- Company Overview: Remote NY
- Act as liaison with other internal areas to ensure timely workflow of document production for loans and proper management of loan portfolio
- Coordinate processing of loan application and documentation and booking and processing loans
- Coordinate clearance of delinquent documents and other exceptions with appropriate areas
- Coordinate the loan closing/settlement, ensuring all documentation is completed on a timely basis
- Independently calls on customers, in person and on the phone, to build strong customer relationships, analyze service enhancements and identify sales opportunities
- Document and coordinate implementing, of the more elaborate products
- Worked with business mortgage administrators, loan officers to proactively research/screens for prospects for loans
- Compile and prepare statistical data of monthly performance for review by Senior Management which outlines Portfolio Delinquencies, Collections, Charge Off activity, Expenses and Recoveries
- Monitors Portfolio Loan activity and takes action to correct if deemed necessary
- Maintain up-to-date information/knowledge regarding assigned area customer accounts, i.e
- Services, financial relationships, previous problems, etc
- Assists with deposit servicing needs of business banking or commercial real estate customers
- Maintain credit files
- Process requests for research, corrections, loan payments, loan advances
- Remote NY
Underwriter
City National Bank
Cross Lanes, WV, USA
05.2019 - 02.2021
- Company Overview: Cross Lanes, WV
- Reviewing submissions from originators
- Running DU
- Reviewed appraisals
- Reviewing and making conditions for loan approval
- Reviewing and issued the approvals and denials
- Worked directly with the loan originator and processor for requested conditions
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals
- Cross Lanes, WV
Business Development Representative
N3
South Charleston, WV, USA
04.2018 - 03.2019
- Company Overview: South Charleston, West Virginia
- Data Storage Analytics
- RPA, Intelligent Automation
- Web Meeting Information
- Managed accounts for IBM, Microsoft, Kofax, and PGI
- South Charleston, West Virginia
Senior Closer/Underwriter
United Shore Mortgage
Troy, MI, USA
02.2015 - 03.2018
- Company Overview: Troy, Michigan
- Maintained help desk for the company's online closings
- Working with internal and external clients to execute closings
- Work with title and escrow companies to assured, that the CD and wires were balanced
- Experience with Conventional, FHA, VA, USDA, and Correspondent loans
- Troy, Michigan
Customer Care Specialist
Quicken Loans, Inc
Detroit, MI, USA
08.2012 - 02.2015
- Company Overview: Detroit, Michigan
- Processed and maintained a large pipeline of FHA, VA and Conventional
- Worked closely with clients and underwriters regarding conditions needed
- Ordered and reviewed appraisals, worked with title and escrow, etc…
- Post-closing, reviewed final hud, sent out closing packages
- Completing Facta Alert for client's personal protection, explaining RESPA guidelines to clients for closing purposes
- Detroit, Michigan
Loan Modification Specialist
Heart Financial / Bank Of America
Lincolnshire, IL, USA
05.2008 - 08.2012
- Company Overview: Lincolnshire, Illinois
- Working with customers regarding loan mod packages they received
- Going over new loan programs, Explaining new payment structure
- Lincolnshire, Illinois
Education
Bachelor's Degree -
Minnesota School Of Business
Bloomington, Minnesota06.1999
Skills
- CRM proficiency
- Customer service
- Time management
- Interpersonal communication skills
Awards
Humanitarian Award
Timeline
Sales Liaison
United Mortgage Corporation
02.2021 - 10.2024
Underwriter
City National Bank
05.2019 - 02.2021
Business Development Representative
N3
04.2018 - 03.2019
Senior Closer/Underwriter
United Shore Mortgage
02.2015 - 03.2018
Customer Care Specialist
Quicken Loans, Inc
08.2012 - 02.2015
Loan Modification Specialist
Heart Financial / Bank Of America
05.2008 - 08.2012
Bachelor's Degree -
Minnesota School Of Business