Beth Smart Email & Phone Number

Fort Worth, Texas, United States

• Answer inbound calls from clients.• Research and analyze accounts to assess the levels of risk and make decisions that impact the customer experience and risk to Bank of America in the prevention and detection of possible fraud . • Ensures all actions are resolved in compliance with industry regulations and bank procedures, integrity levels of the departments system and financial controls.

Irving, Texas, United States

• Review and Evaluate loan applications information against various lending standards while inspecting the application for suspicious and fraudulent activity.• Build rapport with dealer partners.• Provide on-boarding support for new and existing dealer partners on structuring their contracts

Bedford, Texas, United States

Analyzed contracts/documentation on retail auto loans ensuring accuracy and compliance on all financial calculations and procedure guidelines, state and federal laws are met.Researched and analyzed fraud cases. Advising management and dealers of decision. Processed and funded deals within same day funding policy.

Dallas/Fort Worth Area

• Analyze contracts/documentation on retail/lease auto loans ensuring that all financial calculations, rate modifications and procedure requirements are met • For lease specific loans verify the money factor, residual, STIPS and dealer compliance with state specific and company policies and procedures are met • Research and analyze loans ensuring accuracy in funding or if flat cancel needed. • Perform rate modifications and calculations on loans • Apply manufacturer programs • Process and fund deals within two day max fund policy. • Assist dealerships, Dealer Relationship Managers, Underwriters and Credit Analysts • Train new analysts

Performed research on various business processes and documents to monitor compliance with company and regulatory guidelines • Identified, analyzed, and reported performance gaps related to business planning and strategic decision making • Performed quality reviews on accounts which included monitoring compliance with procedures on key operational activities • Trained employees • Produced daily reports • Promoted to Specialist II Contract Analyst

Lewisville, Texas

Reviewed and analyzed loans in default prior to foreclosure referral and attorney referral • Ensured that previous work is compliant with regulations, policies and procedures • Trained employees • Produced daily foreclosure and attorney reports • Promoted to Quality Analyst Bankruptcy · Received Employee of the Month, Top Performer for excellence, exceeding goals and quality

• Prequalified, reviewed and analyzed loan documents before applying home retention and non- foreclosure alternatives, including Loan Modification, Short Sale and other Loss Mitigation alternatives • Served as liaison between borrower, underwriters, liquidation group, realtors and attorneys • Promoted to Quality Analyst - Attorney Certifications · Earned Employee of the Month, Top Performer for customer service excellence, exceeding goals and quality awards

• Collected on high-risk mortgages and managed large portfolios • Direct contact for borrowers experiencing difficulty with the loss mitigation, bankruptcy and foreclosure processes • Managed the homeowner relationship by providing information on the status of the homeowners account. • Promoted to Loss Mitigation · Earned numerous Employee of the Month, Top Performer for customer service excellence exceeding goals and quality awards