JONATHAN T. SMITH
Charlotte,USA
Summary
A mortgage sales professional with a proven track record in relationship management and performance goal achievement in the builder environment
Overview
1
1
Certification
15
15
years of professional experience
Work History
Private Mortgage Banker
Wells Fargo
Charlotte, NC
08.2026 - Current
- Primary loan officer for multiple branches in the local market.
- Managed book of business with over 2,000 clients, ensuring regular contact to address lending needs effectively.
- Developed real estate agent network with cohesive partnerships, enhancing business growth opportunities.
Senior Loan Officer
MTH Mortgage partnering with Meritage Homes
Raleigh, NC
02.2021 - 01.2026
- Worked in the Raleigh Division to achieve monthly/annual goals.
- Typically closed 15-20 loans per month over the course of my tenure.
- Capture rate during tenure increased from 78% in '21 to 90% in '25. Avid customer satisfaction has been 99% for 2024 and 2025 for which I was recognized at annual meetings.
- Assisted numerous underserved borrowers with the assistance of our Financial Solution group to achieve their dream of homeownership.
- Consummate team player always willing to collaborate on challenging files and special projects as they arose.
- Meticulously prepared clean loan files for underwriting review and approval
Senior Loan Officer
Lennar Mortgage
Charlotte, NC
06.2018 - 11.2020
- Worked as the dedicated loan officer for 4 sales consultants in the Indianapolis division. Consistently met or exceeded quarterly capture goals (80%) and revenue quarterly ($12MM). Client satisfaction survey scores ranged from 93%-96%. Took on special projects to assist underperforming branches in other divisions.
Lending Officer
Bank of America
Charlotte, NC
09.2016 - 06.2018
- Managed lending operations across multiple financial centers along east coast footprint. Mentored and coached Relationship Managers and Relationship Bankers during daily connect calls to identify lending opportunities and enhance clients' financial lives. Perform video consultations with clients where I present need-based lending solutions in the form of purchase, refinance and home equity products. Oversee the entire loan cycle from consultation to close. Pursued referral opportunities with banking and investment counterparts to drive collaboration. Closed 73 first mortgage loans in 2017 (most on my team). Client delight increased 4 consecutive quarters from 3/17 to 3/18.
- Reviewed lending applications using Bank of America credit standards.
- Analyzed borrower documents for income, debt, and repayment capacity.
- Guided clients through loan options and required disclosures.
Mortgage Loan Officer
Wells Fargo
Charlotte, NC
03.2012 - 10.2016
- Achieved Inaugural Platinum Performer award for 3rd and 4th Quarter 2014, recognizing top-ranking centralized loan officers based on balanced scorecard metrics. Closed 381 loans in 2013, ranking in top 10% across footprint. Managed pipeline of 185+ purchase, refinance, and home equity loans, maintaining top 10% performance on the floor..
- Advised borrowers on mortgage options and Wells Fargo lending programs.
- Reviewed loan applications for completeness, accuracy, and borrower eligibility.
- Collected income, asset, and credit documents for underwriting review.
Education
Bachelor of Science - Marketing
Penn State University, State College
State College, PASkills
- Microsoft Office
- Microsoft Outlook
- Loan origination
- Home equity
- Pipeline management
- Client relationship management
- Refinancing expertise
- Negotiation skills
Certification
Licensed in NC, SC, FL and Texas, NMLS 915653
HONORS & AWARDS
Inaugural Platinum Performer award, Quarterly award that recognizes the top ranking Centralized loan officers based on best balanced scorecard.
Timeline
Private Mortgage Banker
Wells Fargo
08.2026 - Current
Senior Loan Officer
MTH Mortgage partnering with Meritage Homes
02.2021 - 01.2026
Senior Loan Officer
Lennar Mortgage
06.2018 - 11.2020
Lending Officer
Bank of America
09.2016 - 06.2018
Mortgage Loan Officer
Wells Fargo
03.2012 - 10.2016
Bachelor of Science - Marketing
Penn State University, State College