Beverley Smith Email & Phone Number

• Assess risk and make decisions on loan applications based on analysis. • Validate loan application data and documents, ensuring accuracy and completeness for decision-making processes.• Utilize risk and collateral evaluation tools to assess loan viability and mitigate potential risks effectively.• Apply company credit risk definitions and guidelines to determine loan approvals or rejections.• Analyze policies, collaborate with teams, and communicate decisions to clients, brokers, or agents.• Provide guidance, training, and mentorship to junior underwriters or team members as necessary.• Review financial documents, credit reports, and relevant information to determine risk levels accurately.• Implement underwriting guidelines and standards effectively while maintaining consistency and adherence to company policies.

Bradenton, Florida, United States

• Facilitated title reassignments and registrations, ensuring accuracy and compliance with regulations and standards.• Upheld quality control standards to guarantee precision and reliability in title and registration processes.• Managed administrative tasks efficiently, including documentation and communication for seamless operations.• Prepared titles and registrations through meticulous scanning and organization, ensuring thoroughness and accuracy.• Handled mail intake and distribution promptly, ensuring timely processing and responsiveness to inquiries and requests.• Led team to achieve 100% compliance with new regulatory standards, surpassing industry benchmarks.• Implemented automated data validation system, saving 10 hours weekly and improving accuracy by 25%.• Streamlined processing workflow, reducing errors by 20% and increasing productivity by 15% within 6 months.

Remote

• Validated loan application data and documents, ensuring accuracy and completeness for decision-making processes.• Utilized risk and collateral evaluation tools to assess loan viability and mitigate potential risks effectively.• Applied company credit risk definitions and guidelines to determine loan approvals or rejections.• Mentored junior underwriters, enhancing team performance and reducing error rates by 30%.• Relayed loan decisions promptly and clearly to the originating party, maintaining transparent communication channels.• Collaborated with junior underwriters to resolve conditions and address inquiries, ensuring adherence to loan guidelines.• Provided support to Closing, Funding, and Post-Closing teams, resolving issues that may arise in loan files.• Adhered to company policies and procedures, maintaining compliance with regulatory standards and internal protocols.• Developed and implemented underwriting guidelines, resulting in a 15% decrease in loan processing time.

Orlando, Florida Area

• Executed thorough underwriting, ensuring accuracy and completeness across all application parameters.• Met or exceeded SLAs and customer expectations with timely reviews of applications and stipulations.• Reduced loan processing time by 20% through the implementation of streamlined underwriting procedures.• Achieved a 15% increase in loan approvals by optimizing risk assessment methodologies and criteria.• Fostered open communication with all involved parties, maintaining a positive customer experience by collaborating closely with Loan Officers and Processors.

• Detected incorrect, incomplete, or missing documentation, promptly informing relevant team members for rectification.• Conducted pre-closing audits using the QC Audit Checklist to ensure completeness and accuracy of loan packages.• Verified underwriting final approval documents, confirming fulfillment of pre-closing conditions.• Developed training modules, resulting in a 20% improvement in staff adherence to quality standards.• Communicated professionally with underwriters, processors, and closers to obtain missing or corrective documentation promptly.

• Handled full underwriting duties, meticulously verifying application information for accuracy across various criteria.• Managed a pipeline of 55-70 loans, ensuring efficient processing and timely reviews.• Received awards for top production due to timely application reviews and condition submissions.• Led cross-functional teams to implement risk mitigation strategies, reducing loan default rates by 25%.• Conducted comprehensive financial analysis, resulting in a 10% increase in loan portfolio profitability.• Maintained open communication with Loan Officers and Processors, fostering positive customer surveys and feedback.

• Conducted thorough due diligence on loan repurchases, ensuring compliance with regulatory and lender guidelines.• Recorded and clarified any disparities between file data and guideline requirements, ensuring accuracy.• Verified completeness and accuracy of credit, appraisal, and legal documents, ensuring regulatory compliance.• Performed thorough forensic underwriting reviews of closed mortgage loans to ensure legal compliance and mitigate risk.• Identified risk, fraud, and misrepresentation by cross-referencing loan documents with third-party resources.• Collaborated with legal teams to uncover fraudulent activities, resulting in $5 million in recovered assets.• Developed data analytics tools, enhancing efficiency and reducing investigation time by 25%.• Underwrote and assessed loans for compliance with multiple seller/servicer guidelines, maintaining regulatory standards.• Highlighted potential credit exceptions and documented mitigating factors to reduce risk exposure.

Maitland, Fl

Perform credit and property analysis on conventional loan files, ensuring compliance with appropriate company and investor standards. Make final loan decisions within written approval authority in accordance with appropriate guidelines. Adequately and effectively explaining in written and/or verbal form the decision reached in a manner that will maintain a positive relationship with customers, staff and investors. SunTrust Mortgage and Bank of America projects.

Maitland, Fl

Originate mortgage loans for purchase, refinance and construction. I have been in this business for 17 years and have the knowledge and experience to walk my clients through the uncertain and demanding mortgage experience in today's environment. I am detailed and understand what each type of mortgage product requires to successfully be approved and close.

The largest FHA lender in Florida, offering all types of mortgage products including 203K, Reverse, escrow holdbacks, Conventional, VA, and many more.

Originated mortgage loans, managed relationships with real estate agents and builders. Maintained relationships with previous clients.

Originated loans, managed and maintained relationships with realtors, builders, and previous clients

Originated loans, managed a team of assistants and junior loan officers. Developed and maintained realtor and builder relationships, as well as previous clients.

Bachelor'S Of Science, Liberal Arts

Education record