Beverlee Smith Email & Phone Number

Remote

Point of contact for State regulatory exams, annual review of State Fees & Required Disclosures, Manage TRID Disclosure Desk & Change of Circumstance Desk, Underwriting Support and Escalations, External QC Audits and responses, provide & Monthly QC Reporting, weekly processor and underwriting training, development and maintenance of Policies and Procedures, collaborate with COO, VP of Processing and VP of Closing to maximize efficiencies of processes and proficiencies of staff through… Show more Point of contact for State regulatory exams, annual review of State Fees & Required Disclosures, Manage TRID Disclosure Desk & Change of Circumstance Desk, Underwriting Support and Escalations, External QC Audits and responses, provide & Monthly QC Reporting, weekly processor and underwriting training, development and maintenance of Policies and Procedures, collaborate with COO, VP of Processing and VP of Closing to maximize efficiencies of processes and proficiencies of staff through education and training. Show less

Manager, creator & Instructor of live and recorded training for New Hire Underwriting JUMBO, FHA, VA Underwriters, Credit Analysts, Auditors, Regional & Divisional Managers, Guidelines, Job Aids, Online Materials, Policies and Procedures, Encompass Classes. Revamped New Hire Underwriting Training, Regional and Divisional Training, Contributor to VA Initiative, FHA Manual Underwrite & Checklists, Credit Meetings, Government Training Group, Senior Credit Policy Meetings – awarded caught being… Show more Manager, creator & Instructor of live and recorded training for New Hire Underwriting JUMBO, FHA, VA Underwriters, Credit Analysts, Auditors, Regional & Divisional Managers, Guidelines, Job Aids, Online Materials, Policies and Procedures, Encompass Classes. Revamped New Hire Underwriting Training, Regional and Divisional Training, Contributor to VA Initiative, FHA Manual Underwrite & Checklists, Credit Meetings, Government Training Group, Senior Credit Policy Meetings – awarded caught being “Grate” and endeavor to contribute to employees so that they may exceed what they thought possible for their success. Demonstrated ability to inspire confidence by providing knowledge and resources that contribute to new hires performance and ability to meet or derwritingexceed QC and production requirements. Excel at identifying learning needs and meeting those needs with differing training modalities to maximize success and minimize attrition. Where passion meets purpose exceptional results are the byproduct. Show less

Plymouth

• Support a culture of Loan Quality through clear and concise risk management decisions to mitigate findings due to COVID-19 disruptions • Manage Underwriting Pipeline, meet established closing dates for purchase transactions & to meet terms of rate locks• Support Underwriting to maintain defined Defect Rate, presently >1% of Closed Pipeline• Review and craft conditions to properly reflect multiple investors and maintain our efficiencies which support loan… Show more • Support a culture of Loan Quality through clear and concise risk management decisions to mitigate findings due to COVID-19 disruptions • Manage Underwriting Pipeline, meet established closing dates for purchase transactions & to meet terms of rate locks• Support Underwriting to maintain defined Defect Rate, presently >1% of Closed Pipeline• Review and craft conditions to properly reflect multiple investors and maintain our efficiencies which support loan quality• Underwriter review for red flags, misrepresentation and fraud by reviewing addresses and social security number on credit report are consistent with all documentation in the loan file• Credit Report - Inquiries to credit are properly addressed to ensure accurate reflection of DTI and Lexis Nexis indicate no hits, review of derogatory credit, • Underwriter to ensures prior to close that DU findings are resolved and that data integrity and documentation requirements to ensure loan quality have been met• Prior to close underwriters review update to credit report and income/employment 3 days prior to closing• Current and extensive knowledge of FNMA/FHLMC, FHA, and VA program guidelines• Continuously evaluate processes to ensure application of best practices and maximize staff utilization for both underwriting and compliance Show less

Plymouth, Michigan

• Responsible for QC and Compliance responses to audits, curative action for suspense items and report department performance to Audit Committee • Audits are performed by 2 Independent audit firms and investors based upon volume delivered. Audits performed included QC and Compliance• Responsible for annual recertification with all investors• Maintain a current Quality Control and Operations Procedural Manual• Change of Circumstance – oversee the process and ensure compliance… Show more • Responsible for QC and Compliance responses to audits, curative action for suspense items and report department performance to Audit Committee • Audits are performed by 2 Independent audit firms and investors based upon volume delivered. Audits performed included QC and Compliance• Responsible for annual recertification with all investors• Maintain a current Quality Control and Operations Procedural Manual• Change of Circumstance – oversee the process and ensure compliance with regulation• Adverse Action – second sign all requests for Statement of Denials and verify properly completed – reported monthly to Compliance Officer• Notice of Incomplete – Manage the NOI process to ensure consistent communications with the borrower and that time frames are adhered to for the process• Prefunding reviews - 1rst Audit review 1003 for completeness, loan quality and regulatory compliance, produce Loan officer report cards with items identified at first audit• Pre-close review - 2nd audits review for loan quality, all folders properly represent documentation required, DU findings were resolved, Title, Flood Cert, Appraisal, HOI, CD compared to initial LE• Daily reports communicated to Mortgage Department include: ECOA, Files in NOI Status, Files due to Processing, Files submitted for underwriter pending review• HMDA LAR reporting and accuracy of final submission• Robust reporting of all QC findings, 1rst and 2nd audits are department wide and escalated to the Director Show less

Troy, Michigan

Conventional Underwriter with sole responsibility of meeting daily requirement of 3 new underwrites, 5 condition files and maintaining highest of loan quality standards.Met and exceeded job requirements and my fiduciary to my employer.

Southfield, Mi

Manage work flow for underwriter production and loan quality, assess capacity and needed support to meet or exceed corporate goals and objectives. Manage and Decision escalations for exceptions to policy and respond within required time frames. Assist sales partners by networking and attending Realtor sales meetings. Lead weekly processing meetings, team underwriting meetings, one on one's with direct reports to grow knowledge, team work and inspire optimal professional performance. Attend… Show more Manage work flow for underwriter production and loan quality, assess capacity and needed support to meet or exceed corporate goals and objectives. Manage and Decision escalations for exceptions to policy and respond within required time frames. Assist sales partners by networking and attending Realtor sales meetings. Lead weekly processing meetings, team underwriting meetings, one on one's with direct reports to grow knowledge, team work and inspire optimal professional performance. Attend monthly loan audit meetings and vet accuracy of internal and contracted audit results. Deliver monthly underwriter report cards, quarterly and annual reviews. Ensure all decisions consistently honor the fiduciary of the corporation. Participant on MI Impact Committee - Core Values Ambassador. Show less

Ann Arbor, Mi

Conventional Underwriter/Affluent Channel for conforming and non-conforming loan limits. Demonstrated ability to multi-task and prioritize a heavy workload in a face paced environment. Provide loan specific support to sales partners and assist in the structure and documentation needs to facilitate expeditious service. Recognized as a problem solver and positive contributor to team and channel. Channel garnered highest NPS scores company wide. 100% Accuracy and Star Player Awards.

Brighton, Michigan

Responsible for loan quality, training, originations, accounting, audits, underwriting, processing, warehouse line, post closing.Building and growing systems that facilitated customer service and retention of quality employees. 5 Times voted Livingston counties #1 Lender