Kimberly Smith
Banking and Mortgage
Denton,MD
Summary
Mortgage professional with strong background in loan processing and client relations. Skilled in assessing financial documents, guiding clients through complex loan options, and ensuring compliance with regulatory standards. Known for fostering collaboration within teams and delivering consistent results. Adaptable and reliable, with focus on achieving client satisfaction and organizational goals.
Overview
23
23
years of professional experience
1
1
Certificate
Work History
Mortgage Loan Originator
PNC Bank
03.2025 - Current
- Streamlined the loan origination process with thorough pre-qualification assessments, resulting in faster decision making.
- Negotiated loan terms and conditions with customers to secure best deal.
- Proactively identified solutions for customers experiencing credit issues.
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
Mortgage Loan Officer
SECU
08.2011 - 03.2025
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
Mortgage Loan Processor
SECU
08.2010 - 08.2011
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
Branch Manager
Mariner Finance
10.2009 - 06.2010
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
Assistant Vice President, Branch Manager
Capital One Bank
08.2002 - 10.2009
- Cultivated strong partnerships with community organizations, enhancing the bank's reputation and visibility within the community.
- Managed risk effectively by ensuring compliance with company policies and industry regulations.
- Increased loan portfolio growth by identifying new business opportunities and building strong customer relationships.
Education
High School Diploma -
Osterholz Sharmbeck American High School
Osterholz Sharmbeck GermanSkills
Branch operations management
Excellent time management skills
Excellent work ethic
Customer service-focused
Accomplishments
- Supervised team of up to 20 staff members.
- Customer Relations - Earned highest marks for customer satisfaction, company-wide.
- Repeatedly received recognition from superiors for excellence in service.
- Implemented new quality assurance procedures to maximize customer satisfaction and loyalty.
Certification
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Mortgage Loan Originator
PNC Bank
03.2025 - Current
Mortgage Loan Officer
SECU
08.2011 - 03.2025
Mortgage Loan Processor
SECU
08.2010 - 08.2011
Branch Manager
Mariner Finance
10.2009 - 06.2010
Assistant Vice President, Branch Manager
Capital One Bank
08.2002 - 10.2009
High School Diploma -
Osterholz Sharmbeck American High School
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