Sheena A. Smith

• Developed comprehensive knowledge of various insurance products, enabling effective recommendations for clients unique situation, such as retirement planning, estate planning, and insurance.
• Stay abreast of industry regulations, compliance requirements, and marke developments to ensure adherence to standards and mitigate risk.
• Conducted annual reviews of existing policies to update information. Continuously enhance knowledge and skills

• 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.

• 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

• 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.

• 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.

• 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

• 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.

• 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

Advanced Marketing, Financial Management, Operations Management, Advanced Statistics, Calculus I&II, Real Estate Finance, Derivatives, Case Studies, Strategic Management, Cash Flow Analysis, Investment Finance, Risk Management