Summary
Overview
Work History
Education
Timeline
Generic

Antonio Smith

South Charleston,WV

Summary

Experienced underwriter with a talent for speaking. I can bear pressure while dealing with contradictory situations; I am able to recognize consumer needs; and I operate well both individually and as part of a team. The fast and correct production of compliance loan packages that facilitate volume expansion while maintaining book-of-business quality has consistently received praise. I have a thorough understanding of the limits and underwriting requirements for conventional loans and loans backed by the government, including both conforming and nonconforming mortgages. Collaborate with other team members to successfully fund and close agreements. Through my workday, I begin the most extensive workload obligations without requiring close supervision. ReSPA Guidelines and Disclosures expertise was proficient in various software in the mortgage sector, including Unify, Empower, CPI, LPS, DU, and LP. Final training in HUD and escrow. I am certified by Supported SAR/ DE. Enthusiastic Sales and Customer Service professional with expertise in communication and negotiating. Driven to provide superior quality customer service. Innovative in leveraging extensive knowledge of products and services as well as creating solutions for customers to drive loyalty, retention, and revenue. Highly adept at training, managing, coaching, and mentoring sales and customer service associates with a talent for interacting with staff at all levels of organization and thepublic.

Overview

11
11
years of professional experience

Work History

Sales Liaison/ Underwriter

United Mortgage Corporation
02.2021 - 08.2023
  • Act as a liaison with other internal areas to ensure timely workflow of document production for loans and proper management of loan portfolio.
  • Coordinate processing of loan applications and documentation and booking and processing.
  • Coordinate clearance of delinquent documents and other exceptions with appropriate areas.
  • Trained and mentored new sales representatives.
  • Coordinate loan closing/settlement, ensuring all documentation is completed on a timely basis
  • Retained excellent client satisfaction ratings through outstanding service delivery.
  • Managed customer accounts to secure customer satisfaction and repeat business.

Underwriter

City National Bank
Charleston, WV
05.2019 - 02.2021
  • Reviewing submissions from originators
  • Made approval and denial recommendations by determining accurate risk.
  • Reviewing and making conditions for approval &appraisals.
  • Worked directly with loan originator and processor for requested conditions.
  • Monitored the writing team’s performance and provided mentoring to achieve personal and department production goals.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.

Business Development Representative

N3
04.2018 - 03.2019
  • Developing and maintaining relationships with end-users to achieve long-term sales goals.
  • Reaching out to and qualifying leads through outbound calling and social media outlets.
  • Maintaining and growing existing leads
  • Developed business pipeline using cold and warm techniques.

Senior Closer/Underwriter

United Shore Mortgage
02.2015 - 03.2018
  • 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 assure the CD and wires were balanced
  • Experience with Conventional, FHA, VA, USDA, and Correspondent loans.

Customer Care Specialist

Quicken Loans. Inc
08.2012 - 02.2015
  • Processed and maintained large pipeline FHA, VA, and Conventional
  • Worked closely with clients and underwriter's regarding conditions needed
  • Ordered and reviewed appraisals, worked with title and escrow
  • 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.

Education

Bachelor's Degree in Business Management and Marketing -

Minnesota School of Business
06.1998

Timeline

Sales Liaison/ Underwriter

United Mortgage Corporation
02.2021 - 08.2023

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

Bachelor's Degree in Business Management and Marketing -

Minnesota School of Business
Antonio Smith