Kimberly Smith
Summary
Experienced mortgage professional with a strong background in mortgage origination, processing, and underwriting. Skilled at assessing risks, analyzing loans, and ensuring regulatory compliance. Thrives in fast-paced environments, prioritizing team collaboration and achieving tangible results. Recognized for reliability and adaptability, with exceptional analytical and communication skills.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
SECU
08.2010 - Current
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
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
- Facilitated regular meetings with team members to review progress, address challenges, and celebrate successes, driving continuous improvement in branch performance.
- Cultivated strong partnerships with community organizations, enhancing the bank's reputation and visibility within the community.
- Coordinated cross-functional efforts between departments, ensuring seamless communication for efficient daily operations.
- Boosted customer satisfaction ratings by delivering exceptional service and resolving issues promptly.
Mortgage Loan Underwriter
Fidelity Home Mortgage
02.2001 - 08.2002
- Conducted regular audits of underwriting files for accuracy and completeness, maintaining impeccable documentation standards.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Verified integrity of applicants' information to minimize fraud.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Senior Branch Manager
Beneficial Finance
08.1996 - 02.2001
- Collaborated with senior management to develop branch-specific goals aligned with company objectives.
- Fostered a culture of continuous improvement by encouraging staff feedback and incorporating suggestions into operational enhancements.
- Led a diverse team to achieve sales targets through proactive coaching, mentoring, and performance management.
- Streamlined workflow processes to increase operational efficiency without compromising on service quality or delivery speed.
Education
High School Diploma -
Osterholz Sharmbeck American High School
Osterholz Sharmbeck GermanSkills
- Branch operations management
- Excellent time management skills
- Excellent work ethic
- Customer service
Accomplishments
- Supervised team of 15 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.
Languages
Spanish
Limited Working
Timeline
Mortgage Loan Officer
SECU
08.2010 - Current
Branch Manager
Mariner Finance
10.2009 - 06.2010
Assistant Vice President, Branch Manager
Capital One Bank
08.2002 - 10.2009
Mortgage Loan Underwriter
Fidelity Home Mortgage
02.2001 - 08.2002
Senior Branch Manager
Beneficial Finance
08.1996 - 02.2001
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
High School Diploma -
Osterholz Sharmbeck American High School
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