Arkeshia Smith Email & Phone Number

United States

Remote

Planet Home LendingUnderwriting Assistant-Work with Sr. Underwriters/Underwriters to deliver data integrity, excellent credit quality and a high level of customer service to internal and external customers.-Reviews loans submitted to underwriting to ensure accurate information is in file and documentation is complete. Works with operations staff to collect any necessary additional information. Act as initial contact for underwriters for escalations and questions from processing and… Show more Planet Home LendingUnderwriting Assistant-Work with Sr. Underwriters/Underwriters to deliver data integrity, excellent credit quality and a high level of customer service to internal and external customers.-Reviews loans submitted to underwriting to ensure accurate information is in file and documentation is complete. Works with operations staff to collect any necessary additional information. Act as initial contact for underwriters for escalations and questions from processing and sales.-Review rush requests for Final CTCs and New submissions to ensure complete.-Review the following documents for accuracy:-Assets-Bank Statements-401K & 1099 Statements-Appraisal-Credit report-LQCC/UDM-Data Verify – Fraud Guard-Flood Certificate-Income Documentso Paystubso Tax returns(all schedules) o VOE’s Preliminary Title Reporto Closing Protection Letter (CPL)o Tax Cert Payoff Statements Analyzes conditions and facilitates sign-off of underwriting and funding conditions as assigned and approved by credit risk. Assists Underwriting team with pipeline management, communications with operations staff, adverse actions, and automated underwriting re-evaluations ( including loan amount changes). Works with post-closing and operations to gather trailing or corrective action documentation. Performs other duties as assigned by upper management Show less

5020 Riverside R, Irving Tx 75039

Manger a mix pipeline of Jumbo,203K, Conv, FHA & VA Loans Reviews file submissions for accuracy andcompleteness. Verifies that all required documents are properly located in the loan files.Performs initial review of income, credit report, and assets to ensure lender guidelines aremet.Requests and follows up on all outstanding items with borrowers.Maintains high level of customer service by being proactive in communicating with borrowers and team members. Provide… Show more Manger a mix pipeline of Jumbo,203K, Conv, FHA & VA Loans Reviews file submissions for accuracy andcompleteness. Verifies that all required documents are properly located in the loan files.Performs initial review of income, credit report, and assets to ensure lender guidelines aremet.Requests and follows up on all outstanding items with borrowers.Maintains high level of customer service by being proactive in communicating with borrowers and team members. Provide clear, effective communication with borrowers and team members when completing file-related activities.Understands and ensures all compliance and regulatory requirements are adhered toaccording to federal and state laws and regulations as well as company guidelines. Submits completed loan package to Underwriter for review and approval. Submits completed loan package to Closing upon final review. Show less

Richardson, Texas

Corporate Processing Trainer

Addison, Texas

Served as SME and the primary point of contact for the mortgage process after acceptance of loan file from originations. Performed all processing, decision, and pre-closing tasks required to assemble a loan from point of application to submission. • Processed VA & Conventional loan requests and verified accuracy of the documents received • Analyzed financial and credit data to determined the acceptability of the loan risk in support of bank, investor, and regulatory polices… Show more Served as SME and the primary point of contact for the mortgage process after acceptance of loan file from originations. Performed all processing, decision, and pre-closing tasks required to assemble a loan from point of application to submission. • Processed VA & Conventional loan requests and verified accuracy of the documents received • Analyzed financial and credit data to determined the acceptability of the loan risk in support of bank, investor, and regulatory polices • Ensured all required documentation were in compliance with state and federal regulations • Coordinated closings with members and assisted with post-closing paperwork ACCOMPLISHMENTS: Selected to assist with the facilitation of VA refinance training for processors. Achieved 95% member satisfaction scores for nine months. Selected to attend week long new implementation meeting in which initiative team revised VA refinance process in San Antonio.  After two key manager’s left organization took responsibility for managing the team of 10 processors which included pipeline management, meetings and communications and that all closing date deadlines were met. Show less

Oversaw an offshore vendor with six offshore employees verifying all Attorney General Settlement guidelines were followed. Reviewed all documentation involving FHA or VA loans in default (30 – 50 loans monthly). Provided management feedback, objective analysis, recommendation, evaluation, and observations. • Ensured traditional loan modification Home Affordable Mortgage Plan (HAMP) Modification are in compliance with state and federal laws according to Attorney General… Show more Oversaw an offshore vendor with six offshore employees verifying all Attorney General Settlement guidelines were followed. Reviewed all documentation involving FHA or VA loans in default (30 – 50 loans monthly). Provided management feedback, objective analysis, recommendation, evaluation, and observations. • Ensured traditional loan modification Home Affordable Mortgage Plan (HAMP) Modification are in compliance with state and federal laws according to Attorney General Settlement• In-depth review and analyzed within each Quality Assured area which included daily data integrity reviews, coordinating files for QC off-shore vendor and follow up on errors reported.ACCOMPLISHMENTS: Developed effective professional partnerships with Off-Shore Vender Generated and distribute weekly Quality Assurance reports showcasing both positive/negative trends from Quality Assurance perspective. Implemented effective procedures that offset any negative trends. Met or exceeded timeframe deadlines and monthly deliverables. Underwriter (2009 – 2009)Underwriter (2009 – 2009)Reviewed and evaluated information on mortgage loan application and supported documents to determine borrower’s capacity, capability, and credit meet lender/investor and government requirements. Constant communication with involved parties in regards to stipulations and assisted in expediting final approval. • Recorded loan denial specifying investor and institution guidelines and basis for declining application in accordance with investor/state/federal regulations. Show less

Plano, Tx

Managed 12-20 employees. Provided immediate workout assistance to FHA/VA delinquent borrowers by prequalification of special forbearance, loan modification, and partial claims. This allowed workout to process the workout file within 30-45 days to cure delinquency.ACCOMPLISHMENTS: Communicated department changes and policies that achieved a unit that contributed to the reduction of delinquency ratio and increase loss mitigation production. Completed quality monitoring that ensured… Show more Managed 12-20 employees. Provided immediate workout assistance to FHA/VA delinquent borrowers by prequalification of special forbearance, loan modification, and partial claims. This allowed workout to process the workout file within 30-45 days to cure delinquency.ACCOMPLISHMENTS: Communicated department changes and policies that achieved a unit that contributed to the reduction of delinquency ratio and increase loss mitigation production. Completed quality monitoring that ensured FDCPA/RESPA compliance Monitored daily scorecard expectations which accomplished goal of 90% or more passing monthly with 70% passing for incentive. Ensured staff maintains 100% quality customer service. Show less

Associate'S Degree, Finance, General

Education record