CHRISTINE SMITH
Mortgage/Real Estate
Round Rock,TX
Summary
Adaptable professional with years of analytical skills and track record of identifying complex issues, collecting information and developing practical solutions to problems.
Strong written and oral communication skills useful in summarizing and presenting findings to decision-makers and developing strategic recommendations. Self-motivated with desire to put my best foot forward at all times.
Frequently praised as hardworking by my peers, I can be relied upon to help your company achieve its goals.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Mortgage Contract Operations Analyst
Orchard
05.2022 - 11.2022
- Communicated and collaborated with cross department contacts to actively manage progress and status for all of our acquisitions and dispositions.
- Reviewed HUD/Alta to ensure it matched the terms, conditions and amounts listed on the Real Estate Contract for accuracy.
- Drafted and sent amendments to the contract as needed.
- Requested, Reviewed, signed and notarized closing documents and titles as an authorized signatory and notary for the company.
- Worked directly with the title company, closing attorney and closing agents to ensure all signed and recorded closing documents were received and uploaded into all applicable systems.
- Requested Wired funds from the accounting department for acquisitions.
- Completed checklists to ensure all documents and processes were in compliance with State and federal mortgage laws.
- Analyzed information obtained from management to conceptualize and define operational problems
- Adhered to quality and service standards to support operational goals.
Loan Processor II
American Advisors Group
Austin, TX
08.2019 - 04.2022
- Was responsible for processing a pipeline of 50-65 loans average each month.
- Collected and reviewed data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application.
- Researched and corrected mistakes in applications for clients.
- Ordered Credit reports and Evaluated credit histories for applications.
- Reviewed and completed underwriter conditions to get the approval to proceed with closing.
- Ordered Title, Appraisals, payoff quotes, UCC filings, HOA and Condo certifications as needed.
- Corresponded with lenders, applicants, underwriters, appraisers, title companies, trust attorneys and others to complete processing of the loan file for closing.
- Executed closing actions to ensure a timely and effective closing process.
- Worked with the closing team to resolve any discrepancies in payoffs, title and closing documents that still needed signature.
- Assisted with escalations regarding customer service issues.
- Completed and stayed in compliance with all requited State and federal lending regulations and laws.
Mortgage Customer Service Representative
Celink
07.2014 - 07.2019
- Answered calls, emails and faxes per day, addressing customer inquiries, solving problems and providing product information.
- Investigated and resolved customer inquiries and complaints quickly.
- Assisted customers with questions concerning loan modifications, foreclosure concerns and payment plan options for lender placed tax and insurance.
- Assisted customers with withdrawal requests from their line of credit.
- Mailed out documents requested by the customer such as copies of loan documents, modification plans , occupancy verification.
- Maintained up-to-date knowledge of product and service changes.
- Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.
- Responded proactively and positively to rapid change.
- Met customer call guidelines for service levels, handle time and productivity.
- Trained new personnel regarding company operations, policies and services.
- Collaborated with staff members to enhance customer service experience and exceed team goals through effective client satisfaction rates.
Payoff Specialist
Celink
01.2011 - 07.2014
- Monitored and processed payoff quotes and refinance worksheets request from borrowers, lenders and 3rd party loan servicers.
- Processed manual payoff quotes for loan types that required additional loan research and calculations based on the terms of the mortgage loan.
- Worked closely with internal departments to track foreclosure timeframes, extensions or loan modifications that could impact the amount or good through date of the payoff quotes issued.
- Analyzed incoming and outstanding invoice amounts using various third party tracking systems.
- Communicated with foreclosure firms and attorneys to validate outstanding title and/or attorney fees.
- Reconciled all accounting transactions to include funds requests from lines of credit, monthly payments, servicing advances, property preservation and inspection fees.
Education
No Degree - Accounting Technology And Bookkeeping
Southern Careers Institute Inc
Austin, TXBBA - Business Administration and Management
University of Phoenix
Austin, TXSkills
- Customer Relations
- Loan File Review
- Credit File Updating
- Loan Feasibility Assessment
- Automated Underwriting System (AUS)
- Income Evaluation
- Financial History Analysis
- Loan Processing Coordination
- Problem Solving
- Application Review
- Credit History Review
- Attention to Detail
- Error Research
- Application Process Management
- Financial Data Analysis
- Employment Verification
- Mortgage Loan Software
- File Management
- Borrower Correspondence
- Customer Service
- Credit Reports
- Document Management
- Loan Servicing
- Problem Resolution
- Process Updates
- Operational Improvement Planning
- Data Analysis
- Operational Efficiency
- Time Management
- Data Integrity
Certification
Notary Public Commission
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Nothing can dim the light that shines from within
Maya Angelou
Timeline
Mortgage Contract Operations Analyst
Orchard
05.2022 - 11.2022
Loan Processor II
American Advisors Group
08.2019 - 04.2022
Mortgage Customer Service Representative
Celink
07.2014 - 07.2019
Payoff Specialist
Celink
01.2011 - 07.2014
No Degree - Accounting Technology And Bookkeeping
Southern Careers Institute Inc
BBA - Business Administration and Management
University of Phoenix
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