Sheena A. Smith
Henrico,VA
Summary
Experienced Financial Service Associate with a strong sales background and deep understanding of building client loyalty. Dependable and possessing dynamic communication skills, consistently achieved success in streamlining processes for optimized support and efficient work. Proven track record, adept at identifying opportunities to enhance customer satisfaction and drive business growth.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Financial Services Professional
New York Life Securities/ New York Life Insurance
03.2023 - Current
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Nurtured new business leads through targeted outreach, cultivating a robust pipeline of prospective clients.
- Leveraged advanced analytical tools to identify opportunities for portfolio growth and diversification.
- Enhanced client satisfaction by providing personalized financial advice and investment recommendations.
- Conducted detailed financial reviews for business clients to sell appropriate products to fit clients needs.
- Successfully managed a diverse range of client accounts while maintaining strict adherence to regulatory guidelines.
- Delivered informative presentations on various financial topics, educating clients on sound investment practices.
- Assessed client risk tolerance levels, recommending suitable investments based on individual profiles and preferences.
Senior Commercial Closer
Virginia Community Capital Bank
09.2021 - 08.2022
- Produced and submitted completed loan packages to title and escrow professionals verifying closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Facilitated closings and audited final signed documents in accordance with state, county and investor guidelines.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Senior Closing Agent
Capital Square
10.2017 - 08.2021
- Ensuring timely and accurate drafting of all investment documents, gathering information and taking each file from approval to closing with attention to OFAC, FINRA and IRS guidelines
- Assisted management with creating/testing out new operational procedures and templates for department; included but not limited to onboarding, standard operating procedures and auditing
- Provided technical guidance/training to monitor completed files for quality and compliance with all policies and procedures for Closing Agents
Closing Coordinator
Fidelity Capital Mortgage Company
10.2012 - 10.2017
- Ensuring timely and accurate packaging of all loans originated, gathering information and taking each file from pre-approval to closing with close attention to AIR, RESPA and Reg Z requirements for all conventional and VA loans
- Verifying loan documents including income, credit, appraisal and title insurance ultimately preparing application for submittal to underwriting
- Enhanced closing efficiency by meticulously reviewing and verifying all documentation related to property transactions.
Process Support Specialist
Bank of America/ Pionear Staffing
04.2011 - 09.2012
- Search for loans that require additional documents while reviewing LMA Checklist notes for specific needs and validate completed documents file and set task to send to underwriting
- Assist Management with forecasting pipeline volumes, loan losses, and delinquency based upon closed workouts
- Adhering to system documentation, policies, and procedures to ensure accurate and internal and external reporting
- Processing routine transactions, documenting loan history, responding to customer or other 3rd party inquiries, researching and/or preparing documentation, and analyzing requests in accordance with established guidelines to determine appropriate courses of action.
Mortgage Underwriter
CCO Mortgage/ The Mergis Group
04.2011 - 10.2011
- Knowledge of FNMA, FMLA, FHA guidelines, Fannie Mae’s Home Saver Solutions Network (HSSN Program), HAFA Program, Low-FICO Pilot Program to resolve delinquency
- Perform reconciliation process on files received from Front End Fulfillment Group by setting task in Fidelity Portal System
- Investigate, resolve, and contact customer in regards to complex issues such as payments in suspense, escrow analysis, property inspections, sanctions against bank; performing follow up with customers through telephone and/or written correspondence to insure prompt return of executed documents
Compliance Specialist
SunTrust Mortgage/ The Mergis Group
01.2011 - 04.2011
- Perform TIL, High Cost and RESPA audits to determine loan compliance and purchases eligibility, test for Compliance with Regulation Z of TILA and predatory lending compliance
- Calculate APR, Finance Charges, Amount Financed, Total of Payments and Payment Schedule using Brooks Systems
- Streamlined regulatory processes for improved efficiency and reduced errors, leading to better overall compliance.
HUD Certified Housing Counselor / Benefit Bank Counselor
River City Community Development Corp
06.2009 - 01.2011
- Evaluate pre-qualification status of clients using RESPA, HUD, NC Housing Finance Agency, FHA and USDA guidelines to determine award amount and loss mitigation options
- Organize educational seminars for first time homebuyers, foreclosure and delinquent clients
- Counsel clients on loss mitigation of manufactured housing and post-homeownership, reverse mortgages, and refinancing of predatory and payday lending practices, equity loans, savings/investments, insurance, taxes and estate planning
Education
Business Finance
Virginia Commonwealth University
Business Finance
North Carolina Agricultural & Technical State University
Skills
- Insurance Planning
- Sales and Marketing
- Cash Flow Management
- Know Your Customer
- Retirement planning
- Wealth Management
- Portfolio Management
- Asset Allocation
- Investment strategies
- Customer Relationship Building
Certification
- Licensed Insurance and Health Agent
- FINRA Series SIE
- FINRA Series 6
- FINRA Series 63
Timeline
Financial Services Professional
New York Life Securities/ New York Life Insurance
03.2023 - Current
Senior Commercial Closer
Virginia Community Capital Bank
09.2021 - 08.2022
Senior Closing Agent
Capital Square
10.2017 - 08.2021
Closing Coordinator
Fidelity Capital Mortgage Company
10.2012 - 10.2017
Process Support Specialist
Bank of America/ Pionear Staffing
04.2011 - 09.2012
Mortgage Underwriter
CCO Mortgage/ The Mergis Group
04.2011 - 10.2011
Compliance Specialist
SunTrust Mortgage/ The Mergis Group
01.2011 - 04.2011
HUD Certified Housing Counselor / Benefit Bank Counselor
River City Community Development Corp
06.2009 - 01.2011
Business Finance
North Carolina Agricultural & Technical State University
- Licensed Insurance and Health Agent
- FINRA Series SIE
- FINRA Series 6
- FINRA Series 63
Business Finance
Virginia Commonwealth University
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