Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Timeline
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LLOYD SMITH

Bristol,CT

Summary

Talented self-motivated professional with a focus on producing great quality and striving for continuous improvement. A proven track record of providing financial services to clients while managing complex loan transactions. Offering great time management and task prioritization skills.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Loan Servicer/Escrow Analyst

Webster Bank
06.2023 - 11.2023
  • Streamlined loan servicing processes by implementing new software and tools, improving efficiency and reducing errors.
  • Enhanced customer satisfaction by efficiently handling inquiries, addressing concerns, and providing timely updates on loan status.
  • Reduced delinquencies with proactive communication strategies and tailored payment plans for borrowers facing financial difficulties.
  • Assisted in the development of comprehensive training programs for newly hired loan servicers, ensuring a consistent approach to service delivery.
  • Enhanced efficiency in closing transactions by meticulously reviewing and analyzing escrow documents.
  • Streamlined communication between clients and title companies, ensuring timely completion of escrow tasks.
  • Maintained accurate financial records for each transaction, contributing to a well-organized work environment.
  • Assisted in the preparation of settlement statements, resulting in clear documentation for all parties involved.

Production Specialist/PPP Specialist

Bank of America
11.2017 - 05.2023
  • Obtaining payoff statements from credit card, mortgage and auto loans companies
  • Obtaining payoff statements by fax or Phone call Ordering or requesting the payoff statements from various companies Calculating the per diem to the payoff statements once received Placing data from the payoff inside the our system Uploading payoff statements in the document system Update information in different panels Once finished imputing data then I'll send the file back to the home service specialist
  • In contact with home service specialist to provide needed information
  • Took part in all company-offered training sessions, improving understanding and quality while acquiring knowledge
  • Apart of the contingency management team who also work on appraisals and titles
  • Reviewing appraisals and titles
  • Corresponding with the title and appraisal vendor via email
  • Conducted quality inspections of finished products and made minor repairs to meet project expectations
  • Managed 5-10 phone calls per day from Loan processors & Underwriters to complete a specific contingency task
  • Rotational work schedule pulling work from different queues
  • Focused on quality and continuous improvement while reducing errors
  • Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
  • Streamlined call center processes for improved efficiency and reduced wait times.
  • Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
  • Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
  • Enhanced customer satisfaction by providing timely and accurate loan decisions based on comprehensive analyses.
  • Streamlined underwriting processes for increased efficiency, implementing automated tools and software.
  • Enhanced customer satisfaction by efficiently addressing and resolving inquiries in a timely manner.
  • Improved first-call resolution rates with thorough issue analysis and effective problem-solving techniques.
  • Managed high call volumes while providing exceptional customer support and maintaining professional composure.

Mortgage Loan Processor

ISGN/First Source
06.2016 - 11.2017
  • Processed &Schedule closings
  • Submitted loan applications to the underwriter for verification and recommendations
  • Compiled database of loan applicants' credit histories, corporate financial statements and other financial information
  • Successfully closed an average of 20-30 loans per month
  • Organize workflow to meet daily/monthly goals Perform multiple work related tasks efficiently in high volume and time sensitive periods; meet deadlines
  • Ensure that all loans are moved to a final decision
  • Final approved, Closed or Withdrawn) Order proper documentation to verify accuracy of loan documents and submit loans for appropriate approval Prepare and issue proper disclosures as required by federal regulatory compliance Maintain knowledge of regulatory requirements and procedures that include but are not limited to RESPA, TILA, REG Z, HMDA and state specific requirements
  • Process residential mortgages in any and all states for which the Company is licensed
  • Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
  • Improved loan processing time by streamlining the application review process and enhancing communication with clients.
  • Reduced loan application errors by implementing a thorough quality control process for all submitted applications.

Mail Processor/ Opex machine operator

Bank of America
03.2016 - 05.2016
  • Cut open bundles of mail with the OPEX machine with efficient timing
  • Coordinated with freight forwarders to be expedite
  • Loaded plus unloaded pieces into boxes for shipment
  • Trained staff on material handling processes to reduce shipping times
  • Processed confidential mail items Trained staff on material handling processes to reduce errors up to 20%
  • Streamlined workflow for faster mail delivery by maintaining a clean and organized workstation.
  • Improved mail processing efficiency by implementing an effective sorting system.
  • Reduced errors in mail handling with thorough attention to detail and accuracy in labeling packages.

Special Education Paraprofessional

Hartford Public Schools
11.2012 - 10.2013
  • Closely working with a team of teachers and support staff
  • One on one special education paraprofessional
  • Understanding children with special needs
  • Maintaining confidentiality with important personal information of student
  • Ability to work in stressful situations while maintaining professionalism
  • Identify warning signs of emotional or developmental problems and report to parents
  • Report on student progress, behavior and social skills to parents
  • Collaborated with multidisciplinary teams to develop comprehensive support strategies for each student, contributing to improved academic performance.
  • Enhanced students'' learning experiences by implementing individualized educational plans and adapting teaching methods for special needs students.

Education

Bachelor of Arts - Sociology & Psychology

Livingstone College
Salisbury, NC
2006

Skills

  • Training development aptitude
  • Problem solver
  • Exceptional communication skills
  • Strong client relations Organized
  • Communicator
  • Energetic, Dynamic, Analytical
  • Positive and encouraging
  • Conflict resolution
  • Researcher
  • Self-motivated
  • Managing
  • Microsoft office
  • Workflows skills
  • Interpersonal skills
  • Quality
  • Continuous improvement
  • Client Relationship Building
  • Policy and Procedure Adherence
  • Conflict resolution techniques
  • Quality control measures

Certification

Management and Strategy Institute

Lean Six Sigma Black Belt Professional (LBBP)

Certification ID#: 16854494

Accomplishments

I completed a program called "signature series" by Bank of America that was designed to expand the views and skill set of their employees. Signature series is a program that taught and trained me how to enhance my professional brand. Signature series allowed me to find my mission, vision and principles that will continue to foster my growth as a leader.

Timeline

Loan Servicer/Escrow Analyst

Webster Bank
06.2023 - 11.2023

Production Specialist/PPP Specialist

Bank of America
11.2017 - 05.2023

Mortgage Loan Processor

ISGN/First Source
06.2016 - 11.2017

Mail Processor/ Opex machine operator

Bank of America
03.2016 - 05.2016

Special Education Paraprofessional

Hartford Public Schools
11.2012 - 10.2013

Bachelor of Arts - Sociology & Psychology

Livingstone College

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LLOYD SMITH