LLOYD SMITH
Atlanta,GA
Summary
Talented self-motivated professional with a career focused in financial services. Understanding multiple business methodologies such as LEAN and AGILE to produce great work quality for continuous improvement. A proven track record of providing clients with great quality while managing complex transactions.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Default Services Specialist II
Stellantis Financial Services
11.2025 - Current
- Working in Loan Manager, DEFI, & Salesforce
- Trained new team members, sharing best practices and ensuring consistent service standards across the department.
- Assisted in processing loan applications, ensuring compliance with regulatory standards and internal policies.
- Collaborated with cross-functional teams to enhance service delivery processes and improve customer satisfaction.
- Developed training materials for new staff, streamlining onboarding procedures and increasing team efficiency.
- Analyzed customer feedback to identify trends, implementing changes that improved overall user experience.
- Trained new team members on best practices in repossession procedures and legal regulations.
- Developed and maintained relationships with client's family facilitate smooth communication throughout the repossession process.
- Managed approximately 30 incoming calls, emails and faxes per day from customers.
Account Processor
Keystone Equipment Finance
06.2024 - 04.2025
- Generated and distributed customer contracts
- Communicates loan terms to customer and answers questions.
- Assembles final loan package for review and funding.
- Prepares documents for proper motor vehicle registration and titling.
- Other assigned duties that may arise at management’s discretion.
- Utilized strong analytical skills to identify potential risks or discrepancies within processed documents quickly.
- Managed multiple priorities simultaneously, maintaining organization even during peak periods.
- Contributed to the achievement of department goals through consistent high-quality work.
- Working in Salesforce & DocuSign
- Managed to have 25 contracts approved monthly
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 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.
- Managed multiple escrow accounts simultaneously, prioritizing tasks according to deadlines and client needs.
- Expedited the escrow process through accurate document preparation and thorough review.
- Reduced 15-20 errors in escrow documents by implementing comprehensive review processes.
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 payoff statements from various companies. Calculating per diem to the payoff statements once received. Placing data from payoff inside our system. Uploading payoff statements in document system and updating information in different panels. Once finished imputing data then I'll send the file back to they 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
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.
Education
Bachelor of Arts - Sociology & Psychology
Livingstone College
Salisbury, NC2006
Skills
- Problem Solver
- Exceptional Communication Skill
- Energetic, Dynamic, Analytical
- Cross-Team Adaptability
- Complex Project Delivery
- Innovation Development
- Researcher
- Microsoft Office
- Interpersonal Skill
- Continuous Improvement
- Conflict Resolution Techniques
Certification
Management and Strategy Institute
Lean Six Sigma Black Belt
Certification ID#: 16854494
Oxford Seminars
TESOL/TESL/TEFL
Awards
CERTIFICATE OF APPRECIATION
Issued by Senior Management Oct 2017
Associated with ISGN Solutions
- Top Team honors
CERTIFICATE OF ACHIEVEMENT
Issued by Senior Vice President Divisional Fulfillment Leader Dec 2018
Associated with Bank of America
- Home Equity Signature Series
Accomplishments
I completed a program called "Signature Series" with Bank of America that was designed to expand the views and skill set of their employees. Signature series is a program that taught me how to enhance my personal and professional brand. The signature series program allowed me to find my mission, vision and principles that will continue to cultivate my growth as a leader.
Timeline
Default Services Specialist II
Stellantis Financial Services
11.2025 - Current
Account Processor
Keystone Equipment Finance
06.2024 - 04.2025
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
Bachelor of Arts - Sociology & Psychology
Livingstone College