Kristen Smith
Summary
Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Real Estate Agent
Pointe South Realty
10.2019 - Current
- Negotiated, facilitated, and managed real estate transactions.
- Advertised client properties through websites, social media, and real estate guides.
- Developed and maintained relationships with clients through networking, postcards, and cold calling.
- Streamlined communication between all parties involved in transactions, ensuring smooth closings and satisfied clients.
- Conducted comprehensive market research to provide clients with accurate information on current trends and pricing strategies.
Mortgage Processor
Cardinal Financial
03.2020 - 11.2022
- Processed Conventional, FHA, VA, USDA, Non-QM, Construction Perm
- Optimized workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.
- Collaborated closely with underwriters to expedite loan approvals, resulting in increased productivity.
- Strengthened relationships with real estate agents, attorneys, and other industry professionals through proactive networking efforts.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Communicated with originator and applicant concerning progress of loan file.
- Handled any conditions sent from underwriting departments.
- Processed mortgage loan applications accurately and successfully for over 15 years.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Coordinated closing process with attorneys, title companies, and government clerks.
Mortgage LO/processor; Commercial lending assistant
Centennial Bank
08.2015 - 09.2019
- Company Overview: Orange Beach, Al
- Commercial assistant from 08/2015- 07/2018
- Processed/Closed Commercial loan projects
- In house, Commercial and SBA loans
- Collect client information
- Income and Asset review
- Order title, survey and UCC's
- Mortgage LO/ processor 07/2018-09/2019
- Originated and processed secondary market loans
- Point of contact for clients
- Review HUDS
- Order title, appraisal, payoffs, HOI, Condo docs
- Income and Assets
- Market to Clients and Investors
- Orange Beach, Al
Education
Business Management -
Pensacola State College
01.2002
Skills
- Proficient in Microsoft programs
- Encompass
- Lending Pad
- NMLS licensed
- Real Estate Licensed
- Strong organizational skills
- Excellent teamwork
- Highly professional
Certification
- NMLS licensed AL and FL
- Real Estate Licensed AL and FL
Timeline
Mortgage Processor
Cardinal Financial
03.2020 - 11.2022
Real Estate Agent
Pointe South Realty
10.2019 - Current
Mortgage LO/processor; Commercial lending assistant
Centennial Bank
08.2015 - 09.2019
Business Management -
Pensacola State College
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