Summary
Overview
Work History
Education
Skills
Timeline
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Ginger Smith

Fayetteville,GA

Summary

Strategic-thinking individual with 25 years of experience building relationships, cultivating partnerships, retaining top accounts and growing profit channels by establishing trust. Persuasive and self-motivated with expertise in expanding network connections and introducing products. Well-versed in educating clients, implementing pricing strategies and driving territory development.

Overview

28
28
years of professional experience

Work History

Sales Associate/Project Manager

Aqua Girl Pools
Fayetteville, GA
01/01/12 - Current
  • Maintained open and ongoing communication with clients to meet needs and expectations.
  • Established new customer accounts using negotiation and sales closing abilities.
  • Determined business development opportunities and implemented effective strategy for client acquisition.
  • Identified new customers through pipelining, pre-qualification and territory analysis and management.
  • Engaged customers in friendly, professional dialogue to determine needs.
  • Answered product questions with up-to-date knowledge of sales and promotions.
  • Developed trusting relationships with customers by making personal connections.
  • Reviewed files, recordings and other documents to obtain information to respond to requests.

Senior Mortgage Loan Processor

Chase Manhattan Mortgage
Peachtree City, GA
02.2003 - 01.2012
  • Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
  • Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
  • Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
  • Inspected loan documentation for mistakes and corrected discrepancies.
  • Contacted outside sources, references and vendors to verify client financial information.
  • Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Managed conditions sent from underwriting departments.
  • Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.
  • Maintained complete confidentiality of submitted information according to release guidelines.

Senior Mortgage Loan Closer

Chase Manhattan Mortgage
College Park, GA
06.1997 - 02.2003
  • Developed and maintained relationships with local real estate agents.
  • Gathered client debt, credit and income information to determine loan eligibility.
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Helped clients fill out loan applications and find ideal loan options.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Kept detailed records regarding approved, denied and received loan applications.
  • Complied applications and paperwork and double-checked for accuracy.
  • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information.
  • Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
  • Identified lending risks and implemented strategies to reduce loan defaults.

Underwriting Assistant

Homesouth Mortgage
College Park, GA
08.1995 - 06.1997
  • Managed physical and digital files, monitored spreadsheets and updated reports to coordinate project materials.
  • Organized both physical and digital files and updated reports to coordinate project materials.
  • Responded to requests for data searches, office memo drafts or reference retrievals.
  • Quickly remedied customer issues in office, via telephone and with email communication by responding to questions and inquiries.
  • Performed data entry functions to track information such as payments, account updates and customer interactions.
  • Reviewed and evaluated loan applications to approve, suspend or decline requests.

Education

Mortgage Originator Certificate -

Mortgage Educators
Online
05.2023

High School Diploma -

Fayette County High School
Fayetteville, GA
05.1989

Skills

  • Customer Service
  • Business Development
  • Lead Generation
  • Client Consultations
  • Pipeline Development
  • Salesforce Management

Timeline

Senior Mortgage Loan Processor

Chase Manhattan Mortgage
02.2003 - 01.2012

Senior Mortgage Loan Closer

Chase Manhattan Mortgage
06.1997 - 02.2003

Underwriting Assistant

Homesouth Mortgage
08.1995 - 06.1997

Sales Associate/Project Manager

Aqua Girl Pools
01/01/12 - Current

Mortgage Originator Certificate -

Mortgage Educators

High School Diploma -

Fayette County High School

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Ginger Smith