Erin Smith Email & Phone Number

Salt Lake City, Ut, Us

1165 East Wilmington Avenue #250 Salt Lake City, Ut 84106

As the operations manager I was responsible for the on time closing, problem resolution and assisted the Loan Officers in loan structure, income calculation guidance and other credit risk factors. This allowed the underwriting staff to focus on keeping turn times down. In essence, all loan scenarios came through me first so if there was additional information needed or quick response to the LO’s and assisted in striving for a two touch file by underwriting.Some of the key projects I have… Show more As the operations manager I was responsible for the on time closing, problem resolution and assisted the Loan Officers in loan structure, income calculation guidance and other credit risk factors. This allowed the underwriting staff to focus on keeping turn times down. In essence, all loan scenarios came through me first so if there was additional information needed or quick response to the LO’s and assisted in striving for a two touch file by underwriting.Some of the key projects I have managed:o Built a operations platform to offer underwriting and processing services to other branches in the companyo Roll out of Polices and Procedures to the staffo Licensed Loan Officer in UT, KY, and Florida Show less

Cottonwood Heights, Ut

Responsible for flow of operations staff, working directly with department heads to ensure:o Quality loans viable on the secondary market via product knowledge and risk assessmento Broker approvals and licensing updateso Produced daily rate sheets.o Published monthly product reference guides and a side by side comparison for the staffDealt with the secondary market investors to sell loans on the secondary market and served as the liaison to the four main investors for… Show more Responsible for flow of operations staff, working directly with department heads to ensure:o Quality loans viable on the secondary market via product knowledge and risk assessmento Broker approvals and licensing updateso Produced daily rate sheets.o Published monthly product reference guides and a side by side comparison for the staffDealt with the secondary market investors to sell loans on the secondary market and served as the liaison to the four main investors for product scenarios. Extensive knowledge in manual underwriting of files and several investor automated engines (i.e. clout, clues, Asset wise, LP and DU). Maintained and coordinated bulk loan pools to sell on the secondary market with an average pool volume of $12-$18 million a month. Show less

Greater Salt Lake City Area

Worked for the wholesale division under the aka PRMI Funding. Oversaw the Underwriting department hiring, training and developing staff while making sure “make sense” approvals were issued and customer service was delivered at the highest level. Served as investor liaison for wholesale division, a position requiring extensive knowledge in manually underwritten files and (AUS approved) automated underwriting systems for the five main investors that PRMI sold to on a monthly basis.Employee… Show more Worked for the wholesale division under the aka PRMI Funding. Oversaw the Underwriting department hiring, training and developing staff while making sure “make sense” approvals were issued and customer service was delivered at the highest level. Served as investor liaison for wholesale division, a position requiring extensive knowledge in manually underwritten files and (AUS approved) automated underwriting systems for the five main investors that PRMI sold to on a monthly basis.Employee of the month several times during the three year employment period and served on several committee’s for new technology and product rollout. Show less