Wendy Smith
New Port Richey
Summary
Compassionate and results-driven professional with a solid foundation in active listening, trust-centered relationship building, and thorough needs assessments. Demonstrated expertise in connecting individuals with appropriate community resources and support systems, while upholding strict compliance with regulatory guidelines and confidentiality protocols. Adept at navigating sensitive situations with empathy, discretion, and professionalism to achieve positive outcomes for individuals and families. Dedicated to ethical practice, continuous service enhancement, and advocating for the well-being of vulnerable populations.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Real Estate Agent
Berkshire Hathway HomeServices
Port Richey
08.2024 - Current
- Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations
- Advised clients on market conditions and property value for informed decision-making
- Hosted successful open houses by preparing properties for viewing and effectively showcasing features to potential buyers
- Developed strong relationships with mortgage brokers, attorneys, and other professionals to streamline the home-buying process for clients
- Wrote listings detailing and professionally highlighting property features to increase sales chances
Compliance Underwriter
Covius-US
07.2024 - Current
- Perform due diligence on loan documents to verify borrowers’ identity, employment status and income sources
- Liaise with lenders, appraisers and other third parties to communicate needs and requirements
- Responsible for assessing residential mortgage loans for adherence to regulatory compliance regulations, including criteria for 3rd party review of residential mortgage loans
- Assessment of loans encompasses aspects of TRID, State and Federal regulations RESPA 2010 and aspects of the Qualified Mortgage (QM) rule
- Evaluation of residential mortgage loan documents to determine whether the loan complies with the applicable federal, state, and local regulatory requirements
- Confirm delivery, timing, execution, and completeness of all state and federal documentation
- Capture fee-related data from applicable disclosures to perform tolerance testing utilizing compliance analyzer engine
- Identify compliance discrepancies, analyze, and interpret compliance reports, create updates, and satisfy loan-level exceptions
- Perform standard due diligence Underwriting functions such as loan and income calculations, documentation review, exit
Academic Experience
University of South Florida
Tampa
01.2024 - Current
- Skilled in formulating open-ended questions, building trust-based relationships, co-partnering with students to develop collaborative solutions, and using role play with diverse student populations to offer options and develop solutions tailored to client needs
- Research paper written on Humanistic Existential Theory, exploring how individuals guided by this perspective exhibit a strong drive and forward-moving ethic
- Foundational knowledge on key theories of Piaget, Erikson, Vygotsky, and Skinner on the development of cognitive growth, emotional reasoning, and behavior modification
- Examined the effects of the social environment on human development, with focused analysis on diverse variables such as neighborhoods, schools, religious organizations, health care systems, and economic structures
- Utilized evidence-based practices to guide ethical, effective interventions, integrating research, professional judgment, and clients’ cultural values
Quality Analyst
SourceTek
10.2022 - 06.2023
Credit Underwriter
Clayton Holdings
12.2019 - 07.2020
Underwriter I
USAA
08.2012 - 05.2019
Education
Bachelor of Arts - Social Work
University of South Florida
true05.2026
Associate Degree - Human Services
Pasco Hernando Community College
Skills
- Collaborate with business partners
- Client-oriented
- Analytical thinking
- Excellent teamwork
- Client Relationship Building
- Client needs assessment
- Caseload Management
- Client management
- Identify and Manage Risk
- Strong organizational skills
- Case management
- Crisis intervention
- Interpersonal communication
- Regulatory compliance
- Conflict resolution
- Empowerment strategies
- Cultural awareness
- Supervision and leadership
Certification
- Real Estate License, 08/2019- Current
- DE number LE44
- NMLS number 540149
Timeline
Real Estate Agent
Berkshire Hathway HomeServices
08.2024 - Current
Compliance Underwriter
Covius-US
07.2024 - Current
Academic Experience
University of South Florida
01.2024 - Current
Quality Analyst
SourceTek
10.2022 - 06.2023
Credit Underwriter
Clayton Holdings
12.2019 - 07.2020
Underwriter I
USAA
08.2012 - 05.2019
Bachelor of Arts - Social Work
University of South Florida
Associate Degree - Human Services
Pasco Hernando Community College
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