Connie Smith
Summary
I am a results oriented professional with strong time management, team management, project management skills, highly organized and driven to succeed. An experienced professional with leadership skills, leading by example with excellent written and verbal communication skills. Specializing in Teamwork - providing a positive team spirit and exhibiting objectivity and openness to others' views and values. I've grown teams as well as earnings. I've contributed to the operational maturity of each company I've worked for.
Overview
15
15
years of professional experience
Work History
Closing Manager
Road to Home Mortgage
Scottsdale, AZ - Remote
09.2020 - 01.2023
- Skilled at working independently and collaboratively in a team environment.
- Facilitated Prompt & Accurate Closings: Closed between September 2020 and January 2022 over 1,200 loan with Loan balances over $500,000,000
- Daily Pipeline Management: Reviewed pipeline reports and updates with management to ensure an efficient flow of loan progress
- Online Brand Reputation Management: Reached out to customers and generated over 200 5-star reviews on Google for our customer services
- Recognition: Received the Outstanding Team Member award
Escrow Officer
First Alliance Title
Denver, CO
04.2018 - 09.2020
- Developed customer relationships by providing step by step status of transactions to all parties involved, customer, realty professionals and lender representative.
- Reviewed contracts, commitments and orders to prepare for closing, and assembled documents to prepare files and facilitate smooth final transactions.
- Balanced Settlement Statements and Lender wires prior to closing in order to avoid Funding delays
- Proficient in Presenting Title and Loan Documents to Sellers/Buyers
- Grew and maintained client relationships by responding in a timely, friendly, professional and courteous manner to all parties involved in the transaction
- Disbursed funds, payoffs and submitted a clean closed loan package to post-closing department
- Energetic active participant in employee and client events and meetings
Sales Coordinator/Processor
Commerce Home Mortgage
Denver, CO
10.2015 - 02.2018
- Completed pre-underwriting and processing of conventional, FHA, CHFA, VA, and Jumbo mortgage loans, for multiple Loan Officers
- Analyzed borrower credit reports, bank statements, and income statements
- Set up and completed loan submission packages to underwriting and handled any conditions sent from underwriting departments.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Ensured compliance with secondary market investors and government agency standards
Loan Resolution Specialist
Paramount Equity Mortgage
Roseville, CA
08.2014 - 09.2015
- Analyzed financial statements, loan documentation and other relevant data to determine the best strategy for customers and solution for multiple investors.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assessed loan portfolios for compliance with underwriting policies.
Team Lead Due Diligence Solutions/Sr Underwriter
CoreLogic
Rancho Cordova, CA
2012 - 2014
- Transformed an inexperienced team of eight underwriters into a high performing fraud investigations team that consistently exceeded aggressive project goals
- Ensured critical project met strict delivery dates and exceeded quality outcomes related to suspicious activity report (SAR) filings.
- Fraud Prevention: Managed $58M referrals, resulting in $14.50M fraud loss prevention that earned two additional contracts from major lender
- Conducted forensic research across proprietary databases and internal systems.
- Reduced service level agreement turnaround time for each case from 72 hours to 47.5 hours, utilizing effective time management & prioritization.
- Training Program Development: Created and implemented fraud investigation training program for underwriting staff
- Trained team and oversaw process to properly document and catalogue findings of hundreds of cases into concise effective written summaries.
- Site Transfer: Upon closure of Rancho Cordova office, developed & implemented transition to move book of business to Florida Site
Forensic Underwriter
Interthinx (now First American Data & Analytics)
Colorado Springs, CO
01.2012 - 09.2012
- Re-underwrote files to identify variances in investor guidelines and audited files for fraud
- Prepared findings synopses for the lender clients to use in repurchase demands.
- Utilizing multiple proprietary databases, forensically reviewed original loan submissions and follow-up conditions, including jumbo and self-employed borrowers, to ensure that operating standards were met for underwriting and compliance
- Compiled findings into a summarized report with attending exhibits that supported findings.
- Reported material fraud, utilized by the client to achieve their goals even when no material underwriting errors were found.
- Conducted interviews with loan participants
- Achieved productivity above target through effective time management, prioritization, and leveraging available resources and exceeded quality of workmanship as set by management.
- Utilized advanced working knowledge of government and more than 20 bank specific underwriting and selling guidelines; and multiple industry standard and proprietary fraud resource tools.
- Mentored those with less fraud and underwriting experience.
Analyst
NIA Consulting, a division of Interthinx (now First American Data & Analytics)
Colorado Springs, CO
11.2007 - 01.2012
- As a fraud and underwriting subject matter expert, researched and audited mortgage loan files for fraud and prepared audit synopses for delivery to mortgage insurance clients.
- Identified material misrepresentations and errors of omission and properly cataloged findings into concise effective written summaries.
- Exceeded quality and productivity targets through effective time management, prioritization resulting in several new projects for clients
- Served as team lead for new projects and promoted to forensic underwriter in January 2012.
Education
No Degree - Adult And Continuing Education
Pikes Peak Community College
Colorado Springs, COSkills
- Team leadership
- Pipeline management
- Training development
- Mortgage Lending
- Credit
- Relationship Building
- Required Closing Document Management
- Due Diligence
- Risk Management
- Credit Risk
- Mortgage Underwriting
- Fraud Financial Analysis
Additional Information
Self-Employed Mobile Notary
Timeline
Closing Manager
Road to Home Mortgage
09.2020 - 01.2023
Escrow Officer
First Alliance Title
04.2018 - 09.2020
Sales Coordinator/Processor
Commerce Home Mortgage
10.2015 - 02.2018
Loan Resolution Specialist
Paramount Equity Mortgage
08.2014 - 09.2015
Team Lead Due Diligence Solutions/Sr Underwriter
CoreLogic
2012 - 2014
Forensic Underwriter
Interthinx (now First American Data & Analytics)
01.2012 - 09.2012
Analyst
NIA Consulting, a division of Interthinx (now First American Data & Analytics)
11.2007 - 01.2012
No Degree - Adult And Continuing Education
Pikes Peak Community College
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