Kimberly Smith
Beaumont,Texas
Summary
Analytical professional with 17 years in financial industry field. An individual proficient in managing accounts to maximize profit, member retention, revenue generation, base growth, and tenure. Exemplifies a remarkable aptitude to achieve results individually or with a team. Ability to critically analyze issues and propose effective solutions to
streamline operations. Versatile professional specializing in risk management and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Overview
17
17
years of professional experience
Work History
MORTGAGE LOAN PROCESSOR & CLOSER
MCT CREDIT UNION
05.2023 - Current
- Managed any conditions sent from underwriting departments
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout the entire mortgage process
- Set up and completed loan submission packages
- Coordinated closing process with attorneys, title companies, and government clerks
- Prepare closing documents, such as final closing disclosures and estimated settlement statements.
ACCOUNTING
MOBILOIL CREDIT UNION
01.2017 - 05.2023
- Handled day-to-day accounting processes to drive financial accuracy.
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
- Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
- Gathered financial information, prepared documents, and closed books.
- Reconciled accounts and reviewed expense data, net worth, and assets.
LOAN PROCESSOR, INDIRECT LOAN PROCESSOR
DUGOOD FCU
09.2015 - 01.2017
- Process consumer loan applications
- Supported other departments and external inquiries during peak periods to reduce wait times and maximize customer satisfaction
- Determined approval status of loan applications based on applicants' qualifications
- Income/credit analysis and documentation review.
Full Service Representative
NECHES FCU
12.2009 - 09.2015
- Income/credit analysis and documentation review
- Make decisions case by case of damage or financial loss and accept financial risk
- Placed outbound calls to existing members to provide additional consultation on products and services
- Awarded: Top Producer in sales- 2013 & 2014
- Enhance CU with ideas for business strategies.
- Communicated with clients and customers to gather, provide and share updated information on products and services.
- Handled customer complaints quickly and professionally to restore customer confidence and prevent loss of business.
LOAN AUDITOR
MOBILOIL CREDIT UNION
07.2006 - 12.2009
- Followed established auditing processes to meet internal and regulatory requirements.
- Communicated with staff to obtain necessary information for audits.
- Analyzed data and findings to prepare reports detailing financial information.
- Communicated with auditee staff to obtain necessary information for audits.
- Administered auditing program to address risks and evaluate compliance with regulatory requirements.
- Performed observations and evaluated supporting documents to supplement audit findings.
Education
Bachelor of Science - Multidisciplinary Studies
LAMAR UNIVERSITY
12.2023
Skills
- Emotional Intelligence
- Time Management
- Project Management
- Ethical Leadership
- Conflict Resolutions
- Training Delivery
- Strategy Implementation
- Employee Relations
- Forward Planning & Strategic Thinking
- Public Speaking
Timeline
MORTGAGE LOAN PROCESSOR & CLOSER
MCT CREDIT UNION
05.2023 - Current
ACCOUNTING
MOBILOIL CREDIT UNION
01.2017 - 05.2023
LOAN PROCESSOR, INDIRECT LOAN PROCESSOR
DUGOOD FCU
09.2015 - 01.2017
Full Service Representative
NECHES FCU
12.2009 - 09.2015
LOAN AUDITOR
MOBILOIL CREDIT UNION
07.2006 - 12.2009
Bachelor of Science - Multidisciplinary Studies
LAMAR UNIVERSITY
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