Thomas C. Smythe

• Originated, reviewed, processed, closed and administered customer loan proposals.

Ensure compliance with lending laws, RESPA, HMDA, TIL, etc

• Successfully closed average of 15 loans per month.
• Examined customer loan applications for loan approvals and denials.
• Provided exceptional customer service to my customers, leading to consistent referral business
• President's Club Member 2020 and 2021

• Originate residential home loans for purchase, refinance, and home equity lines of credit.
• Deep knowledge and understanding of mortgage products and guidelines including Conventional, Jumbo, FHA, and VA.
• Interview customer and complete accurate and detailed 1003 residential loan application to ensure quality loan package for underwriting.
• Generate positive relationships and collaborate with all departments.
• Ensure compliance with lending laws, RESPA, HMDA, TILA, etc
• Analyze detailed financial and credit data, matching customers needs with appropriate loan program and level of risk
• Develop and maintain high degree of visibility in the marketplace building relationships with external partners, ie. Realtors, Title Companies
• Deliver high level service to all customers and partners.

• Coach and mentor 12-14 staff members by offering both constructive and positive feedback taking interest in their long-term career growth
• Recruit, train, and develop mortgage bankers
• Manage reports focusing on sales metrics to meet daily, weekly, and monthly production goals
• Build positive relationships and collaborate with all departments
• Oversight risk and controls ensuring Mortgage Bankers are complying with regulatory requirements
• Implement a fun sales driven culture
• Increased Customer Satisfaction scores finishing 2017 with 81% in December

• Originated mortgage loans for refinance and new purchase loans. From 2012 through 2016 was a dedicated Purchase Mortgage Banker
• Agency, Non-Agency, VA, FHA, and HARP
• Managed pipeline size up to 100 customers with volume exceeding $20 million in refi and up to 40 customers and $10 million in purchase.
• National Sales Conference qualifier 2013
• Consistently top 25% in Overall Customer Satisfaction - #1 in 2013
• Ensure compliance with lending laws, RESPA, HMDA, TIL, etc
• Maintain complete understanding of mortgage products and company guidelines protecting the investment of the bank