JANAE LEE SMART
Smithfield,VA
Summary
Professional with strong experience in mortgage industry, prepared for this role. Proven ability to assess clients' financial needs, originate loans, and ensure compliance with regulations. Reliable team player who adapts to changing demands and focuses on achieving results. Skilled in customer service, financial analysis, and communication.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
American Mortgage
Richmond, VA
01.2025 - Current
- Assisted clients in navigating loan processes, ensuring understanding of terms and conditions.
- Maintained compliance with federal and state lending regulations throughout transactions.
- Coordinated documentation collection, streamlining application processes for efficiency.
- Developed strong relationships with real estate agents to facilitate smooth loan closings.
- Mentored junior loan officers on best practices in customer service and mortgage processing.
- Implemented process improvements that enhanced client satisfaction and reduced turnaround times.
- Analyzed market trends to provide strategic insights for product offerings and pricing adjustments.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Proactively identified solutions for customers experiencing credit issues.
HM, Hospital Corpsman
NAVY, ACTIVE
09.2024 - 09.2025
- Assists hospital corpsman officers in the treatment of patients and performs clinical and administrative duties.
- Assists hospital corpsman officers with administrative procedures; emergency treatment; equipment maintenance; infection control; laboratory test procedures; material management; medication administration; patient assessment care, and transport; recording and documenting; routine medical care; and wound and incision care.
- Specific tasks include creating medical or dental records; monitoring patient vital signs; cleaning treatment rooms and equipment; inventorying and organizing medical department equipment and supplies; administering intramuscular, subcutaneous, and intradermal injections; assessing medical conditions, diseases, and injuries; obtaining vital signs; assisting health care providers with treatment and medical procedures; counseling patients regarding treatment plans; monitoring fluid intake and output; performing urinary catheterization; performing first aid; transcribing medical information; and operating medical equipment including EKG, AED, BP, cuff, suction devices, and O2 tanks.
- Assists in command medical readiness, health and safety inspection, relationship building, and staff management.
HM, Hospital Corpsman
NAVY, ACTIVE
09.2024 - 09.2025
- Assists hospital corpsman officers in the treatment of patients and performs clinical and administrative duties.
- Assists hospital corpsman officers with administrative procedures; emergency treatment; equipment maintenance; infection control; laboratory test procedures; material management; medication administration; patient assessment care, and transport; recording and documenting; routine medical care; and wound and incision care.
- Specific tasks include creating medical or dental records; monitoring patient vital signs; cleaning treatment rooms and equipment; inventorying and organizing medical department equipment and supplies; administering intramuscular, subcutaneous, and intradermal injections; assessing medical conditions, diseases, and injuries; obtaining vital signs; assisting health care providers with treatment and medical procedures; counseling patients regarding treatment plans; monitoring fluid intake and output; performing urinary catheterization; performing first aid; transcribing medical information; and operating medical equipment including EKG, AED, BP, cuff, suction devices, and O2 tanks.
- Assists in command medical readiness, health and safety inspection, relationship building, and staff management.
HM, Hospital Corpsman
NAVY, ACTIVE
07.2024 - 08.2024
- Serves as an assistant in the prevention and treatment of diseases and injuries, and in the administration of medical departments.
- Administers first aid; assists with physical examinations and makes basic clinical assessments; provides nursing care to patients; administers medicine and collects specimens; assists in the transportation of the sick and injured; transcribes medical orders; writes admission nursing notes; admits, transfers, and discharges patients; inputs and maintains computer, medical records; and maintains mechanical equipment on the ward.
- Submits routine medical reports; supervises personnel in performance of clinic or ward duties; maintains medical journals, logs, and health records; prepares, processes, controls, and transmits optical-scan documents; instructs medical and nonmedical personnel in general and emergency medical care and in self-administration of medications; performs elementary laboratory procedures, such as urinalysis, blood count, and preparation of smears.
- Performs supervisory duties in such areas as sick call, health care inspections, preventive medicine, and environmental inspections; differentiates normal and abnormal laboratory results; maintains health, dental, personnel, and accounting records; determines legal implications in routine and emergency medical care situations.
- Manages departmental administrative procedures and patient care delivery; mentors subordinate personnel; plans, supervises, and coordinates health care programs; compiles budgetary statistical data; orders, receives, and issues supplies.
- Prepares directives and instructions for attaining organization objectives and improving operations; establishes a program for interviewing, evaluating, and assigning personnel for maximum utilization; prepares correspondence; organizes, schedules, and participates in training programs.
HM, Hospital Corpsman
NAVY, ACTIVE
07.2024 - 08.2024
- Serves as an assistant in the prevention and treatment of diseases and injuries, and in the administration of medical departments.
- Administers first aid; assists with physical examinations and makes basic clinical assessments; provides nursing care to patients; administers medicine and collects specimens; assists in the transportation of the sick and injured; transcribes medical orders; writes admission nursing notes; admits, transfers, and discharges patients; inputs and maintains computer, medical records; and maintains mechanical equipment on the ward.
- Submits routine medical reports; supervises personnel in performance of clinic or ward duties; maintains medical journals, logs, and health records; prepares, processes, controls, and transmits optical-scan documents; instructs medical and nonmedical personnel in general and emergency medical care and in self-administration of medications; performs elementary laboratory procedures, such as urinalysis, blood count, and preparation of smears.
- Performs supervisory duties in such areas as sick call, health care inspections, preventive medicine, and environmental inspections; differentiates normal and abnormal laboratory results; maintains health, dental, personnel, and accounting records; determines legal implications in routine and emergency medical care situations.
- Manages departmental administrative procedures and patient care delivery; mentors subordinate personnel; plans, supervises, and coordinates health care programs; compiles budgetary statistical data; orders, receives, and issues supplies.
- Prepares directives and instructions for attaining organization objectives and improving operations; establishes a program for interviewing, evaluating, and assigning personnel for maximum utilization; prepares correspondence; organizes, schedules, and participates in training programs.
BM, Boatswain's Mate
NAVY, ACTIVE
01.2009 - 02.2011
- Exhibits competence in shipboard operations including stevedoring and maintenance; operates and maintains small boats, deck equipment, and machinery; demonstrates knowledge of rigging, ship's security, deck seamanship, navigation, and piloting.
- Prepares metal and wood surface for primers and paints; prepares and applies primers and paints; rigs cargo handling equipment to replenish ship at sea; handles cargo in port; uses signals for directing winch and crane operators; cares for and stows natural fiber, synthetic, and wire rope; makes fenders and eye splices; handles small boats as coxswain; uses navigational aids; understands limitations of small boats in rough weather, low visibility, and capacity; interprets nautical rules of the road regarding crossing and overtaking situations and avoiding collisions; reads compasses; steers by compass; operates and maintains sewing machine for sewing canvas; stands watch as boatswain's-mate-of-watch at sea and in port; uses, maintains, repairs, and overhauls blocks, tackles, and shipboard rigging.
- Supervises cargo handling; supervises rigging for fueling at sea, using the astern, constant-tension, and span-wire; maintains and overhauls anchors, chains, cables, connecting links, and shackles; performs damage control and basic fire fighting procedures; rigs for towing and being towed; inspects and maintains lifeboats, life rafts, and survival equipment; launches and recovers lifeboats and ship's small craft; maintains hull records, painting records, and inventories of equipment, tools, and paint; obtains replacement equipment, tools, and paint; prepares hull reports.
BM, Boatswain's Mate
NAVY, ACTIVE
01.2009 - 02.2011
- Exhibits competence in shipboard operations including stevedoring and maintenance; operates and maintains small boats, deck equipment, and machinery; demonstrates knowledge of rigging, ship's security, deck seamanship, navigation, and piloting.
- Prepares metal and wood surface for primers and paints; prepares and applies primers and paints; rigs cargo handling equipment to replenish ship at sea; handles cargo in port; uses signals for directing winch and crane operators; cares for and stows natural fiber, synthetic, and wire rope; makes fenders and eye splices; handles small boats as coxswain; uses navigational aids; understands limitations of small boats in rough weather, low visibility, and capacity; interprets nautical rules of the road regarding crossing and overtaking situations and avoiding collisions; reads compasses; steers by compass; operates and maintains sewing machine for sewing canvas; stands watch as boatswain's-mate-of-watch at sea and in port; uses, maintains, repairs, and overhauls blocks, tackles, and shipboard rigging.
- Supervises cargo handling; supervises rigging for fueling at sea, using the astern, constant-tension, and span-wire; maintains and overhauls anchors, chains, cables, connecting links, and shackles; performs damage control and basic fire fighting procedures; rigs for towing and being towed; inspects and maintains lifeboats, life rafts, and survival equipment; launches and recovers lifeboats and ship's small craft; maintains hull records, painting records, and inventories of equipment, tools, and paint; obtains replacement equipment, tools, and paint; prepares hull reports.
DT, Dental Technician
NAVY, ACTIVE
10.2004 - 10.2005
- Assists dental officers in the treatment of patients; performs clinical and administrative duties.
- Assists dental officers in all phases of dentistry; performs routine scaling and polishing of teeth; prepares and maintains dental treatment records; maintains dental appointment system; performs routine maintenance on dental equipment.
- Prepares dental materials and setups for all phases of dentistry; prepares oral health education material for presentation to groups; supervises the clinical duties and assignments of subordinates.
DT, Dental Technician
NAVY, ACTIVE
10.2004 - 10.2005
- Assists dental officers in the treatment of patients; performs clinical and administrative duties.
- Assists dental officers in all phases of dentistry; performs routine scaling and polishing of teeth; prepares and maintains dental treatment records; maintains dental appointment system; performs routine maintenance on dental equipment.
- Prepares dental materials and setups for all phases of dentistry; prepares oral health education material for presentation to groups; supervises the clinical duties and assignments of subordinates.
HN, Hospitalman
NAVY, ACTIVE
11.1997 - 08.1999
- Performs basic nursing care; performs basic emergency and CPR procedures; takes and records vital signs; collects specimens; performs phlebotomy and IV insertions; under direction, administers medication; identifies the basic elements and functions of the circulatory, respiratory, digestive, urogenital, musculoskeletal, and nervous systems; keeps medical department equipment and spaces clean and sanitary; performs routine clerical duties of the ward; promotes patient wellness.
HN, Hospitalman
NAVY, ACTIVE
11.1997 - 08.1999
- Performs basic nursing care; performs basic emergency and CPR procedures; takes and records vital signs; collects specimens; performs phlebotomy and IV insertions; under direction, administers medication; identifies the basic elements and functions of the circulatory, respiratory, digestive, urogenital, musculoskeletal, and nervous systems; keeps medical department equipment and spaces clean and sanitary; performs routine clerical duties of the ward; promotes patient wellness.
HA, Hospitalman Apprentice
NAVY, ACTIVE
07.1997 - 11.1997
- Under close supervision performs basic nursing care; performs basic emergency and CPR procedures; takes and records vital signs; collects specimens; performs phlebotomy and IV insertions; under direction, administers medication; identifies the basic elements and functions of the circulatory, respiratory, digestive, urogenital, musculoskeletal, and nervous systems; keeps medical department equipment and spaces clean and sanitary; performs routine clerical duties of the ward; promotes patient wellness.
HA, Hospitalman Apprentice
NAVY, ACTIVE
07.1997 - 11.1997
- Under close supervision performs basic nursing care; performs basic emergency and CPR procedures; takes and records vital signs; collects specimens; performs phlebotomy and IV insertions; under direction, administers medication; identifies the basic elements and functions of the circulatory, respiratory, digestive, urogenital, musculoskeletal, and nervous systems; keeps medical department equipment and spaces clean and sanitary; performs routine clerical duties of the ward; promotes patient wellness.
SA, Seaman Apprentice
NAVY, ACTIVE
02.1997 - 07.1997
- This is an enlisted grade E2 in training for rating SN.
SA, Seaman Apprentice
NAVY, ACTIVE
02.1997 - 07.1997
- This is an enlisted grade E2 in training for rating SN.
SN, Seaman
NAVY, ACTIVE
01.1997 - 02.1997
- Performs all basic seamanship functions aboard ship that involve line or wire and rigging used to secure the ship to a pier, mooring, or anchor; is able to identify functions of navigation and shipboard equipment; lowers, raises, and launches lifesaving equipment; handles small boats; navigates by using several different types of compasses; keeps records by degrees or points; knows navigational aids, nautical rules of the road, and the buoys of inland waters of the US; knows the nomenclature of decks, superstructures, and parts of the hull; knows the purpose and limitations of first aid and the first aid treatments for electrical shock, simple and compound fractures, heat exhaustion, heat stroke, and burns; must be qualified as a swimmer, fourth class; knows how to determine the classes of fire hoses and how to use carbon dioxide, dry chemical, and water portable fire extinguishers; knows the function of the typical fire main system, fixed carbon dioxide system, water washdown system, and magazine sprinkling system; knows the difference between flooding and progressive flooding and the danger involved.
SN, Seaman
NAVY, ACTIVE
01.1997 - 02.1997
- Performs all basic seamanship functions aboard ship that involve line or wire and rigging used to secure the ship to a pier, mooring, or anchor; is able to identify functions of navigation and shipboard equipment; lowers, raises, and launches lifesaving equipment; handles small boats; navigates by using several different types of compasses; keeps records by degrees or points; knows navigational aids, nautical rules of the road, and the buoys of inland waters of the US; knows the nomenclature of decks, superstructures, and parts of the hull; knows the purpose and limitations of first aid and the first aid treatments for electrical shock, simple and compound fractures, heat exhaustion, heat stroke, and burns; must be qualified as a swimmer, fourth class; knows how to determine the classes of fire hoses and how to use carbon dioxide, dry chemical, and water portable fire extinguishers; knows the function of the typical fire main system, fixed carbon dioxide system, water washdown system, and magazine sprinkling system; knows the difference between flooding and progressive flooding and the danger involved.
SR, Seaman Recruit
NAVY, ACTIVE
01.1997 - 02.1997
- This is an enlisted grade E1 in training for rating SN.
SR, Seaman Recruit
NAVY, ACTIVE
01.1997 - 02.1997
- This is an enlisted grade E1 in training for rating SN.
Education
Bachelor of Science -
Skills
- Goal oriented
- Relationship selling
- Loan origination
- Residential mortgage lending regulations
- Client account management
- Sales development
- Document review
- Refinancing options
- Licensed mortgage loan originator
- Credit evaluation
- Loan management
- Analytical and critical thinking
- Customer relations
- NMLS registration
Accomplishments
- Resolved product issue through consumer testing.
- Supervised team of 200 staff members.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
Certification
- Mortgage Loan Origination License - 2025
Timeline
Mortgage Loan Officer
American Mortgage
01.2025 - Current
HM, Hospital Corpsman
NAVY, ACTIVE
09.2024 - 09.2025
HM, Hospital Corpsman
NAVY, ACTIVE
09.2024 - 09.2025
HM, Hospital Corpsman
NAVY, ACTIVE
07.2024 - 08.2024
HM, Hospital Corpsman
NAVY, ACTIVE
07.2024 - 08.2024
BM, Boatswain's Mate
NAVY, ACTIVE
01.2009 - 02.2011
BM, Boatswain's Mate
NAVY, ACTIVE
01.2009 - 02.2011
DT, Dental Technician
NAVY, ACTIVE
10.2004 - 10.2005
DT, Dental Technician
NAVY, ACTIVE
10.2004 - 10.2005
HN, Hospitalman
NAVY, ACTIVE
11.1997 - 08.1999
HN, Hospitalman
NAVY, ACTIVE
11.1997 - 08.1999
HA, Hospitalman Apprentice
NAVY, ACTIVE
07.1997 - 11.1997
HA, Hospitalman Apprentice
NAVY, ACTIVE
07.1997 - 11.1997
SA, Seaman Apprentice
NAVY, ACTIVE
02.1997 - 07.1997
SA, Seaman Apprentice
NAVY, ACTIVE
02.1997 - 07.1997
SN, Seaman
NAVY, ACTIVE
01.1997 - 02.1997
SN, Seaman
NAVY, ACTIVE
01.1997 - 02.1997
SR, Seaman Recruit
NAVY, ACTIVE
01.1997 - 02.1997
SR, Seaman Recruit
NAVY, ACTIVE
01.1997 - 02.1997
Bachelor of Science -
Training History - Courses Successfully Completed
- A-570-4500, Command Master Chief/Chief of the Boat (CMC/COB), 2022-10-01, 2022-10-01, 2 weeks (80 hours), Upon completion of the course, the student will be able to develop a unique perspective and the special skills to serve the command's leadership triad by providing a basic foundation on policies, standards, discipline, ethics, core values, sailor training, and staff training.
- K-495-0040, Repair Party Leader, 2022-04-01, 2022-05-01, 2 weeks (51 hours), Upon completion of the course, the student will be able to perform the tasks associated with shipboard casualty repairs and be able to provide knowledgeable leadership to a group of sailors involved in shipboard casualty repairs.
- J-495-0419, ADV SHPBD F/F, 2022-03-01, 2022-03-01, 4 days
- K-495-0045, SHPBD DC TRN, 2021-05-01, 2021-05-01, 1 day
- A-495-0416, GEN SHBD FF TRN SCBA, 2019-08-01, 2019-08-01, 1 day
- B-300-4010, NAVMED TCCC-S, 2019-05-01, 2019-05-01, 3 days
- J-2G-0966, NAVY OPSEC, 2019-01-01, 2019-01-01, 2 days
- P-920-1300, Senior Enlisted Academy Resident, 2018-02-01, 2018-03-01, 7 weeks (243 hours)
- S-501-0100, COMMAND DAPA, 2017-03-01, 2017-03-01, 1 week
- J3OPUS261HB, EMER PREP RESP (EPRC) - BASIC AWARENESS CRS, 2014-10-01, 2015-09-30, Unknown
- A-500-0009, CMEO MGR, 2010-05-01, 2010-05-01, 1 week
- A-012-0037, Recruit Division Command, 2008-07-01, 2008-10-01, 13 weeks (518 hours)
- A-012-0077, Instructional Delivery Continuum (IDC) - Journeyman Instructor Training (JIT), 2008-07-01, 2008-07-01, 2 weeks (80 hours)
- P-500-0025, First Line Leadership Development Program, 2004-10-01, 2004-10-01, 2 weeks (65-72 hours)
- B-330-0038, HM-DEN HYG L35A, 2002-05-01, 2004-05-01, 2 years 9 months 2 weeks 2 days
- B-312-0025, Pharmacy Technician, Class C, 1997-09-01, 1998-03-01, 23 weeks (815-901 hours)
- B-300-0010, Basic Hospital Corps School, 1997-04-01, 1997-07-01, 14 weeks (470-560 hours)
- X-777-7770, Recruit Training, 1997-01-01, 1997-04-01, 8-10 weeks (122-169 hours)
Pay Grade
E-9
Years In Service
27
Military Service Component
NAVY, ACTIVE
Date Of Information
2025-09-01
Personal Information
Title: E-9