Katrina Smith
Duncan,SC
Summary
Dedicated Realtor and Loan Signing Agent with a proven track record of high productivity and efficiency in task management. Specialized in document verification, notarial acts, and upholding client confidentiality. Demonstrates exceptional communication and organizational skills to elevate client satisfaction while optimizing loan signing processes. Career focused on further enhancing client relationships and streamlining operations within the real estate sector.
Overview
9
9
years of professional experience
Work History
Loan Signing Agent
Ready Writer Notary Services
03.2020 - Current
- Certify and notarize financial and legal documentation related to loan documents
- Works adjacent to the real estate, title, and attorneys acting as a remote closer
- Certify any real estate transaction, such as new home loans, reverse mortgages, refinancing, closing contracts, and property transfers
- Act as an impartial, third-party witness and ensure that the parties involved follow all the protocols for a real estate transaction
- Ensure the borrower and lender’s signatures and initials are on all documents
- Scheduling appointments and maintaining complex and confidential records and files
- Assist the public
Realtor
Agent Group Realty
Spartanburg, SC
01.2017 - Current
- Provided guidance and support throughout the entire purchasing process from initial search through closing.
- Maintained current and accurate CRM database of prospective customers.
- Promoted sales through advertising, open houses and Multiple Listing Services.
- Prepared newly purchased homes for clients prior to arrival.
- Generated leads through networking activities, cold calling prospects, referrals.
- Monitored changes in local markets that could affect the value of listed properties.
- Maintained accurate records of client interactions and transactions.
- Established and maintained positive relationships with owner banks, non-owner banks, attorneys, mortgage lenders and builders.
- Generated list of properties to meet specific client needs.
- Presented properties to potential buyers and addressed questions.
- Drafted contracts, purchase agreements, closing statements and leases.
- Facilitated closing processes between lender, mortgage companies, buyers and sellers.
Mortgage Loan Processor
FirstBank
11.2020 - 08.2021
- Point of contact communicating any necessary status updates throughout the entire mortgage process between the Loan Officers, underwriters, 3rd parties, and clients
- General evaluation of loan applications and financials
- Verify, validate, and obtain information required by AUS findings and/or GSE/Investor guidelines
- Coordinate with lenders/underwriters to ensure all necessary documents are submitted for clear to close
- Process Conventional products using Encompass 360
- Review title, HOI, VVOE, WVOE
- Submitting and resubmitting efficient files to underwriting while meeting timeline requirements
- Investigating any inconsistencies and making appropriate corrections
Tax Outsource Processing Specialist
Covius Holdings
03.2020 - 11.2020
- Analyzes escrow sufficiency to make sure escrowed funds are sufficient to make required payments
- Update tax lines on the system of record to maintain accurate records for delinquent non-escrowed loans and obtain delinquent tax amounts promptly so taxes can be paid to prevent a tax sale
- Works with Escrow Specialist to ensure modification plan guidelines for setting up tax lines, paying taxes, and establishing an escrow account are done timely and within Compliance guidelines
- Manually requests tax bills, track critical dates, and make payments if not disbursed electronically
- Execute payments for taxes in batch single processing modes by the installment due dates for the payee
- Payment processing includes tax disbursement to avoid incurring interest or penalties
HR Contact Center Specialist
TD Bank
11.2018 - 11.2019
- Provide exceptional Customer service by meeting all Customer demands as they relate to specific products and services, and/or escalated Customer issues, all while requiring minimal support from leadership
- Display a positive, professional tone, exhibit empathy when required, and provide a WOW! experience for internal employees
- Take ownership of Employee concerns and resolve issues at the first point of contact
- Ensure necessary due diligence is taken to support the accuracy of all Customer transactions
- Knowledge of Workday Suite and its business processes, onboarding, job changes, etc
- Serve as a resource and mentor to less experienced staff by answering questions regarding bank products and services
- Develop and maintain comprehensive knowledge of department and industry practices
- Appropriate tracking of calls to identify training opportunities and/or gaps in training
- Assist Employees via chat and email
Consumer Loan Processor II/Mortgage Loan Processor III
TD Bank
05.2016 - 04.2018
- Contact the customer directly to obtain conditions placed by a lender or mortgage underwriter
- Prepare required loan documentation for approved loan applications
- Coordinate with lenders/underwriters to ensure all necessary documents are submitted for clear to close
- Review all new loan applications to ensure that all required forms and documents have been provided
- Identify red flags/pre-cautionary details and offer solutions when applicable
- Compile and send out all compliance disclosure material and perform required verification research
- Submit all completed documents to the Underwriter Responsible for placing status calls to all parties involved in the transaction
- Coordinate closing details with all involved
- Planned and led training for Loan Processors I and II
Education
Realtor -
Georgia MLS
Paralegal Certificate -
Dekalb Technical College
Associate Degree - Political Science
Georgia Perimeter College
Bachelor of Social Science - Criminal Justice
Mercer University
HR Generalist Certificate -
Greenville Technical
Certificate - Mobile Notary
Loan Signing System
Skills
- Meticulous attention
- Legal compliance
- Detail-oriented
- Notary public certification
- Continual learning
- Loan processing
- Client relationship building
- Document preparation
- Real estate
- Organizational skills
- Data entry
- Application review
- Relationship building
- Refinancing Knowledge
Timeline
Mortgage Loan Processor
FirstBank
11.2020 - 08.2021
Loan Signing Agent
Ready Writer Notary Services
03.2020 - Current
Tax Outsource Processing Specialist
Covius Holdings
03.2020 - 11.2020
HR Contact Center Specialist
TD Bank
11.2018 - 11.2019
Realtor
Agent Group Realty
01.2017 - Current
Consumer Loan Processor II/Mortgage Loan Processor III
TD Bank
05.2016 - 04.2018
Realtor -
Georgia MLS
Paralegal Certificate -
Dekalb Technical College
Associate Degree - Political Science
Georgia Perimeter College
Bachelor of Social Science - Criminal Justice
Mercer University
HR Generalist Certificate -
Greenville Technical
Certificate - Mobile Notary
Loan Signing System
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