Kellee Smith
San Bernardino,CA
Summary
Forward-thinking individual with a solid history of accomplishment in mortgage settings. Keep operations smooth and consistent to maintain company stability and sustainability. Articulate and personable leader with excellent program management, strategic planning and operational oversight abilities.
Overview
20
20
years of professional experience
1
1
Certification
Work History
SVP Corporate Operations
Mountain West Financial
Redlands, CA
07.2021 - Current
- Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job
- Formulate, draft, and maintain accurate and current internal procedures, programs, and related documentation
- Assist with examiners/auditors during regulatory and internal audits
- Maintain good working knowledge and awareness of the companies’ goals and industry trends
- Analyze current process and modeling tools to identify issues requiring corrective action and oversees corrective actions relating to areas of responsibility
- Assist with special projects and/or investigations as they arise
- Oversee corporate processing, underwriting, credit risk and funding
- Other duties as assigned.
Corporate DE Underwriting Specialist
Mountain West Financial
Redlands, CA
02.2019 - 06.2021
- The Underwriting Specialist Performs a wide range of duties and is responsible for the prudent underwriting of Conventional, USDA and FHA Employee loans in accordance with company, investor, and Affordable Housing guidelines
- Evaluate and verify applications, determining whether the borrower will be able to repay the loan
- Responsible for identifying, measuring, controlling, and monitoring the risk for Production Underwriting
- Monitor’s underwriting defects
- Resolves audit findings on mortgage loan files based on internal and/or Agency/Investor guidelines
- Relies on highly advanced underwriting knowledge to resolve escalated loan files, solve complex loan issues, and enact innovative solutions to resolve loan manufacturing quality
- Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience.
Operations Manager, Specialty Products
Mountain West Financial
Redlands, CA
02.2017 - 02.2019
- Supervises a fulfillment team that handles the process from disclosures to closing
- Have approval authority for complex loan requests and exceptions to policy
- Maintain acceptable turn times through measurement and improvement of efficiencies
- Coordinate activities between subordinates, branch locations and wholesale clients
- Collaborate with Retail Process Manager to facilitate training for retail branches on various operational procedures relative to specialty products
- Hire, develop, train, lead and coach employees to manage risk and provide a high level of customer service
- Have FHA Direct endorsement credentials.
Conventional, FHA, USDA Underwriter
Mountain West Financial
Redlands, CA
07.2012 - 02.2017
- Responsible for the prudent underwriting of loans in accordance with company and investor guidelines
- Evaluate and verify applications, determining whether the borrower will be able to repay the loan
- Experience with income analysis which includes exposure to reviewing Self-employment, Corporate, and Partnership’s tax returns
- Advanced asset analysis and experience with layering risk and evaluation
- Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates
- Ability to handle confidential material in a professional, highly ethical manner
- Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals
- In-depth review of appraisals
- Work overtime as needed.
Senior Processor/Relationship Manager
SunWest Mortgage Company
Corona, CA
10.2011 - 07.2012
- Analyze and record all incoming documents for compliance and loan eligibility
- Verify and validate supporting income, assets, and liabilities
- Review and verify credit reports
- Maintain open communication with customers, real estate brokers and loan officers to ensure proper and timely processing and submission of mortgage applications
- Input and/or update mortgage applications
- Send and follow-up on verifications to employers, banks, creditors, etc
- Provide status reports on each mortgage indicating process to the loan officers
- Advanced knowledge of DU, LP and FHA automated underwriting systems
- Process first mortgage loans
- Paperless processing experience
- Current on the latest disclosure and re-disclosure requirements
- Maintained a high level of customer service by being proactive in communication with internal and external customers.
Home Services Specialist II
Bank of America/Countrywide Home Loans
Riverside & Anaheim, CA
11.2004 - 09.2011
- Processed FHA, Conventional and VA loans approved by an Underwriter or an automated decisioning system
- I obtained credit-signing authority and underwrote files within my delegated authority
- I was responsible for clearing conditions and issuing changes to the terms on previously approved loans
- I was responsible for but not limited to verifying conditions of approval, which may include, customer income/assets documentation, resolved routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; processed subordinations and resolved appraisal disputes
- Maintained a high level of customer service by being proactive in communication with internal and external customers.
Skills
- Microsoft Office
- FHA, USDA Conventional
- Down Payment Assistance
- MLM - Loan Origination System
- AUS Knowledge (DU, LPA, GUS)
- Policies and Procedures
- Staff Development
- Operations Management
- Risk Assessment
- Strategic thinking
References
Available upon request.
Certification
- FHA DE CHUMS #GU60
Timeline
SVP Corporate Operations
Mountain West Financial
07.2021 - Current
Corporate DE Underwriting Specialist
Mountain West Financial
02.2019 - 06.2021
Operations Manager, Specialty Products
Mountain West Financial
02.2017 - 02.2019
Conventional, FHA, USDA Underwriter
Mountain West Financial
07.2012 - 02.2017
Senior Processor/Relationship Manager
SunWest Mortgage Company
10.2011 - 07.2012
Home Services Specialist II
Bank of America/Countrywide Home Loans
11.2004 - 09.2011
Similar Profiles
Kevin WolfeKevin Wolfe
Senior Corporate Recruiter at Mountain West FinancialSenior Corporate Recruiter at Mountain West Financial
Gabriella GoddeGabriella Godde
Manager/ Loan Officer at Mountain West FinancialManager/ Loan Officer at Mountain West Financial
Kori RobinsonKori Robinson
Wholesale Disclosure Technician at Mountain West FinancialWholesale Disclosure Technician at Mountain West Financial
Gerardo SanchezGerardo Sanchez
East of Bay Plastering Inc at DadEast of Bay Plastering Inc at Dad
Jose CejaJose Ceja
General Maintenance Associate at Home DepotGeneral Maintenance Associate at Home Depot