Tammy Smith
Clearwater,FL
Summary
Detail-oriented loan operations specialist with broad experience in mortgage closing, post-closing quality control, shipping, and SBA servicing. Combines document review, status tracking, borrower follow-up, and system updates to support accurate file processing, compliant loan delivery, and steady service in team-based or independent settings.
Overview
2027
2027
years of professional experience
Work History
Closing Coordinator
Mortgage Connect
03.2026 - 10.2026
- Coordinated mortgage closing files and settlement paperwork for Mortgage Connect clients.
- Checked closing packets for completeness, accuracy, and lender compliance.
- Communicated with title companies, lenders, and settlement agents regarding closing updates.
- Prepared signing documents and scheduled borrower closing appointments.
- Tracked post-closing conditions and resolved file exceptions with internal teams.
- Verified loan data against closing instructions and title requirements.
- Updated closing systems with file status, notes, and document corrections.
- Supported smooth mortgage closing operations through detailed follow-up and organization.
SBA Portfolio Servicing Specialist
BayFirst National Bank
Saint Petersburg, FL
03.2023 - 12.2025
- The SBA Portfolio Servicing Specialist is responsible for the management of a portfolio of SBA small loans including government guaranteed. This position is expected to build a trusted, competent, and positive working relationship with each client in their portfolio.
- Responsibilities include but are not limited to:
- Process all necessary SBA loan servicing requests, ensuring that they meet all the required SOP loan servicing requirements. Prepare all loan servicing requests for all SBA small loans, to be approved by their manager
- Monitored SBA loan portfolio to ensure adequate performance; identified loans with deteriorating credit quality and referred them to special assets.
- Liaised with borrowers to gather financial documents for annual reviews and maintained loan files for SBA compliance.
- Assist with other file maintenance exceptions, including direct communication with client.
- Prepared loan sale packages for investors quarterly.
- Document all communications with borrowers and servicing
Mortgage Post Closer
Bay First Financial fka First Bank
Saint Petersburg, FL
01.2018 - 09.2022
- Reviewed closed loans to verify compliance with investor and agency guidelines, identifying and requesting corrections or missing documents to complete files.
- Prioritized workload, monitoring reports as follows: 80% of loans reviewed for shipment to investors within 7 days of disbursement and 100% of closed loans within 12 days.
- Monitored reports to confirm all FHA and VA loans were insured within 60 days of closing, ensuring timely processing.
- Executed shipping duties by imaging closed loan packages, organizing documents in correct placeholders, and uploading files electronically to investors.
POST-CLOSING REVIEWER/ SHIPPER
PHH Home Loans, LLC
Clearwater, FL
08.2015 - 12.2017
- Prioritized workload, monitoring reports to achieve 80% of loans shipped to investors within 7 days of disbursement and 100% of closed loans within 12 days.
- Reviewed closed loans to ensure compliance with investor and agency guidelines, identifying and requesting corrections or missing documents to complete files.
- Monitored reports to confirm all FHA and VA loans were insured within 60 days of closing.
- Performed shipping duties, imaging closed loan package, placing documents in correct place holder, and uploading electronically to investor.
CORRESPONDENT FUNDER/ SHIPPER
Residential Acceptance Corp
Tampa, FL
01.2014 - 01.2015
- Ensured compliance with all regulatory and investor guidelines by completing pre-closing checklist and determining all underwriting and closing conditions were satisfied prior to disbursement.
- Requested and reviewed funding requirements from lenders and investors, ensuring data integrity in system fields.
- Collected closing documents from relevant parties, ensuring timely completion and inclusion of hazard insurance, subordination agreements, payoffs, taxes, and other requirements.
- Prepared and delivered closing documents, maintaining 95% accuracy ratio or better each month.
- Collaborated with post-closing department to investigate and fulfill requests for missing documents.
- Delivered funded loan by requesting wires and prepping loan to pass on to shipping.
LOAN PROCESSOR
Meridian Assets
Saint Petersburg, FL
01.2014 - 05.2014
- Performed credit checks and verification of employment, submitting mortgage application files for underwriting approval
- Processed and submitted files to ensure compliance with state and federal regulations.
- Tracked and reviewed post-closing legal documents while coordinating with customers, vendors, and internal contacts.
POST-CLOSING MORTGAGE REVIEWER
Clayton
Tampa, FL
01.2012 - 01.2013
- Reviewed residential loan files for Clayton mortgage operations and compliance standards.
- Verified borrower documents against company guidelines and investor requirements.
- Checked file accuracy for disclosures, conditions, and supporting paperwork.
- Cleared outstanding stipulations and mortgage files purchased by investors, coordinating with loan officers, processors, closers, and title agents to ensure timely loan clearance for purchase.
CORRESPONDENT FUNDER / SHIPPER
Mortgage Investors Corp
Saint Petersburg, FL
01.2010 - 01.2012
- Requested and reviewed funding requirements from lenders and investors, ensuring accuracy and integrity of system data fields.
- Collected and verified closing documents from all parties, ensuring completeness of files for hazard insurance, subordination agreements, payoffs, taxes, and other necessary documentation.
- Determined all underwriting and closing conditions were satisfied prior to disbursement, completing pre-closing checklist to insure compliance with all regulatory and investor guidelines.
- Delivered funded loan packages to post closing department on same day as funding, consistently managing 10 to 15 loans daily.
RESEARCH INTERVIEWER / CUSTOMER SERVICE
Nielsen Media Research
Dunedin, FL
01.2004 - 01.2010
- Secured participation of residents in a 7-day TV diary study, successfully persuading reluctant respondents.
- Conducted surveys from private homes across the United States, contributing to comprehensive data collection.
- Followed strict guidelines for obtaining consistently unbiased data, maintaining confidentiality of procedures and accurately coding calls.
- Managed multiple tasks while adapting to changing priorities, ensuring smooth workflow during survey periods.
LOAN DELIVERY COORDINATOR / SHIPPER
Market Street Mortgage / Netbank Inc
Clearwater, FL
01.1997 - 01.2007
- Monitored mortgage loan shipping workflow, overseeing preparation and delivery of funded loans to investors while ensuring final loan package accuracy and legibility.
- Ensured compliance with individual investor requirements for each delivery type through effective analytical and problem-solving skills.
- Reviewed critical reports, confirming timely shipment of all loans and their receipt by investors.
- Worked with secondary department, confirming loans were assigned.
- Received several awards for dedication and performance, achieving Employee of the Month, Pride Award, and Junior Achievement Mentor.
ESCROW ASSISTANT
First American Title Services
Clearwater, FL
- Facilitated escrow closings by placing calls, collecting necessary information, processing opening orders and initial file setups, and overseeing deposits and distributions of funds.
- Supported escrow department by delivering customer service and administrative assistance for escrow closings, coordinating appointments for smooth execution of closings.
- Executed secretarial and clerical tasks, gathering information and managing funds for escrow closings while effectively answering phones and greeting customers.
Education
High School Diploma -
Dunedin High School
Dunedin, FL08-1980
Skills
- Workflow automation system
- Deal closing
- Federal Housing Administration (FHA) loans
- Collateral evaluation (loan underwriting)
- Audit preparation (loan processing)
- Loan processing - Loan processing experience (1-5 years)
- Receiving shipments
- Problem-solving
- Fair Housing Regulations
- Consumer Financial Protection Bureau (CFPB) rules
- Home Mortgage Disclosure Act (HMDA)
- E-signature software
- Escrow
- Document archiving (loan processing)
- Attention to detail
- Tax Experience
- Encompass
- Customer service management
- Equal Credit Opportunity Act (ECOA)
- Teamwork
- Loan file updates (loan processing)
- Loan tracking system
- Underwriting
- Negotiation
- Data consistency checks
- Real Estate Settlement Procedures Act (RESPA)
- Analysis skills
- Microsoft Outlook
- Credit Scoring Systems
- Document management systems
- Loan Officer Experience
- Dodd-Frank Act
- Compliance management software
- Organizational skills
- Mortgage industry
- Interest rate reduction (loan modification)
- Conventional mortgage loans
- Investor reporting (loan processing)
- Credit Analysis
- Document preparation (loan closing)
- Communication skills
- Compliance reporting
- Document review (document control)
- Compliance with loan regulations
- Refinancing (loan modification)
- Employment verification (loan underwriting)
- Post-closing quality control (loan processing)
- Final title policy review (loan processing)
- Follow-up (loan closing)
- Banking regulatory compliance
- Multitasking
- Mortgage services
- Word, Excel, Power point, 10 Key by touch, typing 55 wds plus
- TILA
- Financial compliance
- Principal reduction (loan modification)
- Fair Lending Act (Regulation B) compliance
- Term extension (loan modification)
- Task prioritization
- Time management
- Adaptability
- Records management
- Property research
- Agent coordination
- Property endorsements
- Performance tracking
- Financial aid
- Marketing assistance
- Disbursement management
- Upselling strategies
- Application review
- Cross-selling
- Persuasive speaking
- Target achievement
- Deal structuring
- Loan Classification
- Report preparation
- Sales techniques
Personal Information
- Title: SBA Portfolio Servicing Specialist
- Work Permit: Authorized to work in the US for any employer
Additional information
- TECHNICAL SKILLS
- Encompass/ Simplifile
Timeline
Closing Coordinator
Mortgage Connect
03.2026 - 10.2026
SBA Portfolio Servicing Specialist
BayFirst National Bank
03.2023 - 12.2025
Mortgage Post Closer
Bay First Financial fka First Bank
01.2018 - 09.2022
POST-CLOSING REVIEWER/ SHIPPER
PHH Home Loans, LLC
08.2015 - 12.2017
CORRESPONDENT FUNDER/ SHIPPER
Residential Acceptance Corp
01.2014 - 01.2015
LOAN PROCESSOR
Meridian Assets
01.2014 - 05.2014
POST-CLOSING MORTGAGE REVIEWER
Clayton
01.2012 - 01.2013
CORRESPONDENT FUNDER / SHIPPER
Mortgage Investors Corp
01.2010 - 01.2012
RESEARCH INTERVIEWER / CUSTOMER SERVICE
Nielsen Media Research
01.2004 - 01.2010
LOAN DELIVERY COORDINATOR / SHIPPER
Market Street Mortgage / Netbank Inc
01.1997 - 01.2007
ESCROW ASSISTANT
First American Title Services
High School Diploma -
Dunedin High School