Summary
Overview
Work History
Education
Skills
Timeline
Generic

Tracy B Smith

Bloomington,Minnesota

Summary

To seek and maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Dedicated and detail-oriented Customer Service specialist with 25 years of mortgage experience. Skilled at prioritizing, completing multiple tasks simultaneously and following through to achieve goals.



Overview

24
24
years of professional experience

Work History

Funder/ Worked Remotely

Supreme Lending
Bloomington, MN
06.2020 - 02.2022
  • Evaluates files for accuracy and completion.
  • Develops procedures to ensure compliance with regulations.
  • Work and communicate professionally with external vendors and internal departments as to required documentation or corrections to documentation for completion before funding of the loan.
  • Obtain all outstanding conditions to ensure timely funding and closing of the loan.
  • Ensure all required funding fields are completed prior to issuing wire with warehouse bank.
  • Check for accuracy and update any fees to balance with the Title Company prior to releasing funding wire.
  • Communicate with title companies for approval to disburse the wire.
  • Ability to prioritize multiple tasks in a deadline-driven environment; strong sense of urgency and responsiveness.
  • Solve problems promptly, communicate effectively with internal and external customers, and work well under pressure.
  • Respond and maintain email communication in a timely manner within personal and if applicable department email boxes.
  • Ensure closing packages are reviewed and funded according to program and internal guidelines in compliance with company, agency, and investor standards.
  • Ensures mortgage loans are processed, filed, and disbursed accordingly.

Funding Supervisor /Worked Remotely

AMEC Home Loans
Bloomington, MN
05.2015 - 06.2020
  • Consulted with warehouse bank personnel to handle collateral document shipments.
  • Manages team that ensures mortgage loans are processed, filed, and disbursed accordingly.
  • Evaluates files for accuracy and completion.
  • Work and communicate professionally with external vendors and internal departments as to required documentation or corrections to documentation for completion before funding of loan.
  • Obtain all outstanding conditions to ensure timely funding and closing of loan.
  • Ensure all required funding fields are completed prior to issuing wire with warehouse bank.
  • Check for accuracy and update any fees to balance with Title Company prior to releasing funding wire.
  • Communicate with title companies for approval to disburse wire.
  • Ability to prioritize multiple tasks in a deadline-driven environment; strong sense of urgency and responsiveness.
  • Solve problems promptly, communicate effectively with internal and external customers, and work well under pressure.
  • Respond and maintain email communication in a timely manner within personal and if applicable department email boxes.
  • Ensure closing packages are reviewed and funded according to program and internal guidelines in compliance with company, agency, and investor standards.
  • Provide training, guidance and coaching to Funders to address and clarify issues related to closing procedures and requirements, products, systems and required documentation.
  • Ensure Funders achieve productivity objectives and customer service levels.
  • Responsible for managing warehouse line of credit.

Legal Assistant Pre-Foreclosure

Usset Weingarden & Liebo PLLP
Saint Louis Park, MN
07.2008 - 05.2015
  • Processing legal documents related to the foreclosure process.
  • Manage and input complex legal data.
  • Prepare and review pre-foreclosure documents.
  • Complete internet searches, accurately entering findings into a database.
  • Update client websites and status reporting processing.
  • Prompt response to client requests for service and assistance.
  • Retrieving and responding to a variety of client and in firm requests via e-mail or by phone.
  • Manage a client load in preparing files for sales by drafting documents, scheduling sales, arranging service .
  • Publisher to publish foreclosure notice in local newspaper.
  • Provide the Sheriff's Departments the foreclosure notice to serve borrower regarding foreclosure sale, monitoring timelines to avoid delays.

Loan Documentation Specialist

Wells Fargo Home Mortgage
Minneapolis, Minnesota
07.1998 - 07.2008
  • Performing duties related to the processing and/or closing of mortgage loan applications, in call center environment.
  • Be the main point contact for customer during loan process.
  • Develop strong business relationships with sales partners and 3rd party vendors.
  • Maintain a high level of customer service through proactive communication with all external and internal customers.
  • Carry pipeline of files to process and underwrite from start to finish.
  • Negotiate and determine viable solutions to make deals work while balancing high credit quality.
  • Ensure loan quality through data integrity and risk management.
  • Prepare closing package and schedule closing.

Education

High School Diploma -

Horace Mann High School
Gary, IN

Skills

  • Quick learner
  • Computer proficient
  • Time management skills
  • Competent in MS Office applications
  • Excellent verbal and written communication skills
  • Encompass
  • Leadership
  • Teamwork
  • Closing Disclosure

Timeline

Funder/ Worked Remotely

Supreme Lending
06.2020 - 02.2022

Funding Supervisor /Worked Remotely

AMEC Home Loans
05.2015 - 06.2020

Legal Assistant Pre-Foreclosure

Usset Weingarden & Liebo PLLP
07.2008 - 05.2015

Loan Documentation Specialist

Wells Fargo Home Mortgage
07.1998 - 07.2008

High School Diploma -

Horace Mann High School

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Tracy B Smith