Wendy Smith
Social Work
Tampa,FL
Work Preference
Summary
Compassionate social work professional adept at facilitating positive outcomes for vulnerable populations by connecting them with essential community resources. Experienced in conducting biopsychosocial assessments and delivering therapeutic support, ensuring compliance with guidelines while advocating for clients' needs. Proven ability to navigate complex situations with empathy and professionalism.
Overview
14
14
years of professional experience
1
1
Certificate
Work History
Master of Social Work Intern
Pinellas Ex-Offender Re-Entry Coalition (PERC)
Clearwater, FL
08.2026 - Current
- Assist individuals transitioning from incarceration by identifying needs and connecting them with education, employment, housing, and community resources.
- Support clients in accessing transitional housing, permanent supportive housing, and permanent housing oppotunities.
- Complete biopsychosocial assessments and administer assessment tools, including the Beck Depression Inventory (BDI) and Michigan Alcohol Screening Test (MAST).
- Provide individual therapeutic support and facilitate group therapy sessions.
- Assist clients with employment readiness, including resume development, job searches, and employment applications.
- Help clients identify and apply for public assistance programs and other community-based resources.
- Work with a diverse client population, including a significant number of veterans, to identify individual needs and connect clients with appropriate supportive services.
- Collaborate with PERK staff and community resources to promote stability, self-sufficiency, and successful reintegration into the community.
- Maintain accurate and timely case documentation to track client progress, service needs, referrals, and outcomes.
Academic Experience - BSW graduate & MSW Student
University of South Florida
Tampa, Fl
01.2024 - Current
Compliance Underwriter
Covius-US
07.2024 - 06.2026
- Perform due diligence on loan documents to verify the borrower's 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 third-party review of residential mortgage loans encompassing aspects of TRID, State and federal regulations, and 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 the state and federal documentation
- Capture fee-related data from applicable disclosures to perform tolerance testing utilizing the compliance analyzer engine
- Identify compliance discrepancies, analyze and interpret compliance reports, and create updates to satisfy loan-level exceptions
- Perform standard due diligence underwriter functions such as loan and income calculations, documentation review, etc
Social Work Intern
HCA Bayonet Point Hospital
Hudson, FL
01.2026 - 04.2026
- Performed assessments and developed appropriate discharge plans for high-risk patients.
- Educated clients about available community resources that could benefit them.
- Participated in regular team meetings to discuss cases, review progress notes, and strategize interventions.
- Documented client social history, treatment, and related information.
- Collaborated with RN case managers, acute care nurses, physicians, insurance companies, and other staff members to proactively identify and address patients' needs.
- Monitored and reviewed treatment outcomes and goal achievement.
- Complied with HIPAA and confidentiality regulations when communicating with client family members, colleagues, and external contacts.
- Collaborated with the Brain and Spinal Cord Institute by providing weekly updates on client progress by transmitting current trauma reports, including assessments indicating the updated Rancho Los Amigos Cognitive Scale.
- Identified and addressed barriers to discharge and recovery, such as financial, emotional, psychosocial, medical, and spiritual.
- Collaborated with Skilled Nursing Facilities (SNFs) and Intensive Rehab Facilities (IRFs) on obtaining approval, authorization, a bed, and transportation for patient transfers.
- Worked with the following systems: NATE, CarePort, Meditech, and Midas.
Credit Underwriter
Clayton Holdings
12.2019 - 07.2020
Underwriter I
USAA
08.2012 - 05.2019
- Demonstrated understanding of veterans' unique circumstances, including sudden deployments or orders, by prioritizing and expediting case management tasks to ensure timely updates and continuity of care.
- Reviewed mortgage applications for Conventional (FNMA) and Veterans Affairs (VA) loans with $850k lending authority to ensure adherence to guidelines and rendering a quality loan through analyzing Income, Assets, Credit, Title, Purchase contracts, HOI, Tax Returns, Private road agreements, Condo questionaires, and Master policies
- Performed reviews for single-family, condo projects, manufactured homes, and multi-family projects to ensure they meet agency guidelines
- Performed manual underwriting reviews on loans that did not meet the investors' overlays
- Evaluated DU, Fraud Guard, and Early Check to ensure investor salability
- Collaborated with the processing team to solve issues, offered alternative documentation to satisfy condition requirements, and maintained REG B SLA's for decisioning loan files
- Led team huddles and updated the team on policy and procedure updates
- Mentored in the Real Estate Mentoring Program
- Nest Underwriter for two successful fulfillment teams at Commerce Park
- Point of Contact for the Commerce Park Recognition Committee
Education
Master of Science - Social Work
University of South Florida
Tampa, FL05-2027
Bachelor of Arts - Social Work
University of South Florida
Phi Alpha Honor Society05-2026
Associate Degree - Human Services
Pasco Hernando Community College
Timeline
Master of Social Work Intern
Pinellas Ex-Offender Re-Entry Coalition (PERC)
08.2026 - Current
Social Work Intern
HCA Bayonet Point Hospital
01.2026 - 04.2026
Compliance Underwriter
Covius-US
07.2024 - 06.2026
Academic Experience - BSW graduate & MSW Student
University of South Florida
01.2024 - Current
Credit Underwriter
Clayton Holdings
12.2019 - 07.2020
Underwriter I
USAA
08.2012 - 05.2019
Master of Science - Social Work
University of South Florida
Bachelor of Arts - Social Work
University of South Florida
Associate Degree - Human Services
Pasco Hernando Community College