Summer Brooke Smith
Phoenix,AZ
Summary
Motivated customer service and sales professional, skilled at performing at a high level in a fast pace environment. Efficient and experienced multi-tasker with the capability of providing excellent customer service through various channels.
Overview
7
7
years of professional experience
Work History
KYC Review Analyst
City National Bank, National Bank
01.2023 - Current
- Job duties include reviewing over 100 files for compliance in opening new accounts within City
- The working environment is fast paced and detail oriented, as well as working in multiple systems.
Senior Loan Officer Associate
City National Bank
03.2023 - 04.2023
- Collaborated with Originations, Fulfillment, Title, and Appraisal team in processing Mortgage Loans for high profile clientele
- Managed daily communication on requested documentation and worked on a pipeline of 30 or more loans
- My main responsibilities were to request conditions, review documentation, and get the loan ready for the closing team
- Worked multiple systems and proficient in Outlook and Excel.
QA Audit Team
PennyMac
01.2021 - 03.2022
- Responsible for conducting audits on all mortgage products and updating excel sheet
- Helping to identify over-conditioning and giving our members a positive mortgage experience
- Knowledgeable in FHA Streamline, VA IRRRL, Convention Refi, VA Full Doc Refi, and FHA Full Doc, with continuous training on additional products.
PennyMac
01.2020 - 08.2021
- Loan Structure Review (LSR)
- Reviewed FHA Streamline, VA IRRRL, Convention Refi, and FHA Full Doc products
- Followed checklist to ensure loan is meeting PNMAC criteria, set conditions
- Review of housing history, employment, income, and assets
- Assisted upper management with training, audits and special projects.
Commercial (Uber)
James River Insurance
01.2019 - 04.2020
- Conducted investigation of Uber-related accidents in a high-volume environment
- Obtained recorded statements for all drivers, passengers and witnesses, to determine liability
- Negotiated liability with adverse carriers and explained liability decisions to insureds and claimants
- Issued out payments for property damage, Early Call, Settlements, Rentals, and subrogation demands
- Handled Bodily Injury claims, which consisted of analyzing injury, evaluating settlement demands, reviewing medical records and bills, and negotiating settlement.
Mortgage Loan Officer
USAA
01.2018 - 06.2019
- Evaluated, analyzed income, assets and employment in order to pre-approve members
- Acted as a Mortgage expert to provide a beautiful member experience
- Assisted our members and realtors in putting offers on homes and completing the mortgage application
- Set expectations for members moving forward in order to set them up for success.
Mortgage Officer Associate
USAA
09.2016 - 10.2018
- Assisted Mortgage Loan Officer and members during the preparation of the mortgage loan application for submission to the mortgage processing team
- This includes guiding the member through the initial loan documentation collection processes, verification of provided financial documentation and setting expectations for the continuing mortgage processes to ensure members meet their closing date.
Education
Bachelors of Science - Psychology, Forensic Science
Grand Canyon University
2027
High School Diploma - undefined
Horizon High School
Paradise Valley, AZ2009
Skills
- Serve Customers
- Mortgage Underwriting
- Data Encryption
- Social Media Platforms
- Data Integrity
- Complete Applications
- Quality Deliverables
- Interpretation of Findings
- Data Input
- Review Financial Statements
- Assess Credit Risk
- Quality Assurance Policies
- Customer Evaluation
Timeline
Senior Loan Officer Associate
City National Bank
03.2023 - 04.2023
KYC Review Analyst
City National Bank, National Bank
01.2023 - Current
QA Audit Team
PennyMac
01.2021 - 03.2022
PennyMac
01.2020 - 08.2021
Commercial (Uber)
James River Insurance
01.2019 - 04.2020
Mortgage Loan Officer
USAA
01.2018 - 06.2019
Mortgage Officer Associate
USAA
09.2016 - 10.2018
Bachelors of Science - Psychology, Forensic Science
Grand Canyon University
High School Diploma - undefined
Horizon High School
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