Summary
Work History
Education
Skills
Software
Interests
SalesAssociate
Joseph Smith

Joseph Smith

Waterford,MI

Summary

Diligent and resourceful financial professional skilled in client relations and loan product recommendations. Highly responsive to delivery of services and focused on customer relationship building. Achieves compliance with company policies and regulations in carrying out job functions.

Work History

Mortgage Loan Officer

First Merchants Bank
Ann Arbor, MI
06.2021 - Current
  • Supervise 2 loan officers’ loan pipelines; analyze customer financial documents, provided personalized customer experience, and oversaw project deadlines accounting for 125 loans closed last year totaling $38.4 million
  • Build, establish, and maintain relationships with clients, bank personnel, real estate agents, financial advisors, and builders to boost production numbers
  • Assess each customer’s credit worthiness - evaluate consumer credit reports, calculate monthly revenues, validate assets, and compute total liabilities
  • Plan marketing material ensuring it aligns with First Merchants’ vision and administer CRM databases to improve client communication and help drive business.
  • Assisted clients with improving financial health by counseling on issues such as credit repair or excessive spending and borrowing.

Disclosure Desk Specialist

Level One Bank
Farmington Hills, MI
01.2020 - 05.2021
  • Monitored pipeline queues containing a weekly average over 100 loans to ensure timely, accurate disclosure of the loan files in accordance with compliance rules
  • Developed a personalized workflow that improved file review times by 52%
  • Cultivated diverse team environments by conversing across multiple departments (originators, underwriters, processors, closers, and operations) to remediate errors
  • Authorized that all disclosure fees were compliant with TRID and RESPA guidelines and other mortgage industry laws.
  • Developed and delivered compliance training to team members and bank staff.

Post-Closing Compliance Specialist

Level One Bank
Farmington Hills, MI
05.2019 - 12.2019
  • Processed closing packages from title companies - audit, scan, and upload to loan software
  • Generated and presented to executives a weekly errors and omissions spreadsheet that tracked investors’ missing documentation or information
  • Reconciled outstanding documentation with investors - followed-up with title companies to resolve any discrepancy
  • Expedited post-close curative items to ensure each loan was purchased on the secondary market within investor guidelines.

Manufacturing Assembler Intern

Modular Industrial Components Co. (MICCO) - Lucent
Rochester Hills, MI
04.2018 - 10.2018
  • Conducted quality assurance inspections on finished components and identified issues.
  • Completed assemblies and subassemblies with hand and power tools, exceeding project milestones.
  • Followed outlined engineer blueprints to implement assembly plans.
  • Operated drill press, aluminum saw, forklift, and stamping machine to achieve production requirements.

Education

Bachelor of Science - Business Administration And Management

Madonna University
Livonia, MI
09.2017 - 05.2019

Skills

Data Validationundefined

Software

Microsoft Suite

Encompass Mortgage Loan Software

Act! Customer Relationship Management (CRM) Software

Interests

Data mining and analytics

Automotive Industry

Financial/Credit analysis

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Joseph Smith