Summary
Overview
Work History
Education
Skills
Timeline
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LAILA SMITH

LAILA SMITH

Frisco,TX

Summary

Accomplished Loan Officer with 15+ years' experience in sales and service roles for consumer finance organizations. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Well versed in processing complex transactions, performing extensive research to resolve customer inquiries by establishing positive, productive and routine communications.

Overview

13
13
years of professional experience

Work History

Senior Loan Officer

Flagstar Bank
Lewisville, Texas
07.2020 - 05.2022
  • Completed mortgage applications using company loan products, systems, including initial required documentation and stipulations to ensure compliance with company policy and government regulations.
  • Advised customers about loan products while providing solution based sales experience to determine loan eligibility and risk level.
  • Monitored portfolio performance and provided clients with periodic updates on loan progress.
  • Maintain production reports for leads, pipeline and other pertinent sales activity reports for 75-90 loans on average

Loan Officer

Nationstar/Mr. Cooper
Lewisville, TX
08.2018 - 06.2020
  • Analyze applicants financial status, credit, and property to determine loan eligibility for purchase or refinance
  • Established loan application process, pre-qualify clients and collected documents and submitted applications to underwriter for verification and recommendations.
  • Coached team members in techniques necessary to complete job tasks
  • Managed over 60+ loans on average

Mediation Analyst

Direct Financial
Irving, Texas
11.2014 - 11.2017
  • Monitored progression of foreclosure cases to ensure decision was finalized before mediation
  • Evaluated and discussed modifications options to customer Mediated/resolved 80% of cases in pipeline each month
  • Employee of the month 8 months
  • Conducted weekly staff meetings to motivate staff members, address concerns and questions, plan improvements and evaluate progress toward goals.

Mediation Underwriter

WELLS FARGO HOME MORTGAGE
Bedford, Texas
04.2012 - 02.2014
  • Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
  • Exceeded quarterly sales goals by 70% Mediated and resolved cases.
  • Applied underwriting experience in cross-functional teams to improve overall policies and planning.
  • Escalated incidents to next level to remain compliant with company's standards and procedures.

Consumer Lending Officer/Service To Sales

CAPITAL ONE BANK
IRVING, TX ·
03.2009 - 04.2012
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Analyzed applicants' financial status by reviewing credit and income evaluations to determine loan feasibility.
  • Participated in industry events and conferences to build relationships and gain market intelligence. Employee of the month 3 quarters

Education

Associate of Applied Science - Court Reporting

Court Reporting Institute
Dallas, TX
2008

Skills

  • Credit
  • Sales
  • Financial transactions expertise
  • Multitasking Abilities
  • Strong Banking Ethics
  • Persuasive negotiator

Timeline

Senior Loan Officer

Flagstar Bank
07.2020 - 05.2022

Loan Officer

Nationstar/Mr. Cooper
08.2018 - 06.2020

Mediation Analyst

Direct Financial
11.2014 - 11.2017

Mediation Underwriter

WELLS FARGO HOME MORTGAGE
04.2012 - 02.2014

Consumer Lending Officer/Service To Sales

CAPITAL ONE BANK
03.2009 - 04.2012

Associate of Applied Science - Court Reporting

Court Reporting Institute

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LAILA SMITH