Jennifer Andersen Smith Email & Phone Number

Atlanta, Ga

Atlanta Metropolitan Area

The Mortgage Community Production Manager leads the sales activities of a group of Mortgage Community Loan Officers that develop relationships with nonprofit groups, governmental offices, and community-based affordable housing organizations to generate and increase mortgage lending opportunities. The Manager is tasked to focus on developing opportunities that support Regions’ effort to meet its goals relating to the Community Reinvestment Act (“CRA”) and underserved consumers. - Specializes in down payment assistance and creating plans for clients to become homeowners - Leads loan officers in growing residential mortgage loan volume, primarily focusing on underserved communities and low-to-moderate income consumers and geographies- Promotes the Bank’s CRA lending efforts in targeted areas, demonstrating knowledge and experience working with realtors, community groups, civic and/or professional organizations- Possess deep product expertise, training loan officers on low down payment products, and down payment assistance programs- Serves as a leader in the community, facilitating educational seminars, workshops, and housing programs with housing organizations- Leverages the use of Regions’ branches to assist in business and relationship development- Coaches loan officers to build a sustainable customer base through developing referral networks and key relationships in the community- Makes sales calls on potential or existing customers as established in Regions marketing plan to develop new business or retain existing business- Determines solutions for complex issues presented by operations and sales teams

Member in the Atlanta DEI Network on the Talent Retention Committee and as Co-Chair of Atlanta Market.

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Atlanta, Georgia, United States

• Lead initiatives for financial and credit education through community workshops, one-to-one counseling and connecting resources. • Teach the importance of banking, an understanding of the lending process, the nuances of personal & business credit and finance. • Author curriculum for workshops about credit, personal and business finance, and the home buying process including slides, scripts, worksheets and assessments. • Expertise in personal and business credit education and resources. • Provide leadership, guidance and assistance for all community development initiatives and projects. Community Reinvestment Act (CRA) programs, such as financial and credit education, one-on-one counseling, and other specific outreach.• Increase the effectiveness of volunteerism by choosing opportunities with direct impact on low-to-moderate income communities. • Produced more than 30 initiatives for Community Development impact and within CRA guidelines including financial education workshops, webinars to teach PPP processes to small business owners, program for high-school students to explore banking careers.• Co-authored and implemented Strategic Plans to fulfill CRA responsibilities through existing and newly created relationships.• Spearheaded implementation for a product that increased credit scores for small business owners by a median of 36 points in 6-months. All the businesses were under $1M revenue annually, 97% owned by women and/or people of color and 31% of the businesses located in low-and-moderate income tracts.• Over 20 years of experience in real estate sales, lending, credit, banking, and training.

Atlanta, Georgia, United States

In my tenure, I have helped the bank increase their effectiveness in volunteerism. In 2019 only about 50% of our volunteer efforts directly impacted low-to-moderate income communities and individuals. In 2020, about 95% of our efforts are in the most needed communities. During 2020, while working remotely in a pandemic environment, the number of volunteer hours increased compared to 2019 and 2018. In 2018, 2019 and 2020, I have produced, organized and led more than 21 different initiatives for Community Development impact. These events range from multiple date workshops for financial literacy to 1-hour webinars PPP education for small business owners, and all day hosting of high-school students to dream big with banking careers. These events involved 49% of our employees at various times and for various levels of participation. I assisted with writing our company's Strategic Plan in order to develop a CRA plan that is more closely aligned with the unique opportunities we are presented at Atlantic Capital Bank. Responsible for tracking of volunteer activities, charitable giving and community development lending, including our proprietary Small Business Booster Kit.Selected for Atlantic Capital Bank's Leadership Academy 2019.

• Increased lending for low-to-moderate income borrowers and for minorities elevenfold.• Developed relationships with impactful referral partners such as community groups, schools, and churches in order to reach their audience with my message. • Consistently asked for referrals during and after the process of each loan- from the client and all agents/business partners involved. • Developed multiple seminars about credit, personal finance, the homebuying process and affordable housing issues for use with referral partners to educate prospects and clients.• Taught First Time Home Buyer seminar and other credit and finance seminars multiple times throughout the year, including a series for two different clients, currently working on a third client for a series of workshops. • Developed marketing materials to increase awareness of seminars and workshops in order to increase attendance and exposure. • Attended all closings in order to ask for cement a positive image with each referral partner and ask for more business. This activity directly led to additional referrals. • Hosted monthly happy hours for referral partners to engage in relationship building. This activity connected referral partners to each other and increased loyalty and partner retention.• Attended an average of 3 networking gatherings per week in order to initiate and further develop relationships with referral partners.• Provided individual counseling sessions for prospects to prepare for homeownership.• Used social media outlets to spread my message of affordable housing issues, credit education and personal finance knowledge.• Experienced with Invest Atlanta Down Payment Assistance programs, Georgia Dream Program, and Federal Home Loan Bank Down Payment Assistance programs.

Kennesaw, Ga

• Closed over $7,100,000 in first full year of sales, majority were self-generated leads. • Developed relationships with 26 referring realtors, still working on many more that are not yet referring.• Developed relationships with 11 referring business partners and no less than 6 non referring business partners.• Consistently asked for referrals during and after the process of each loan- from the client and all agents/business partners involved. • Developed and taught First Time Home Buyer seminar multiple times throughout the year, including at the Cobb City Employees annual financial wellness seminar. • Developed booklet to distribute to divorce attorneys for their clients to understand what to do with their marital property during and after the divorce process.• Currently developing booklet to distribute to CPAs, tax advisors and financial planners highlighting the impacts the Tax Cuts and Jobs Acts could have on how clients hold their mortgages• Experienced with Invest Atlanta Down Payment Assistance programs, Georgia Dream Program, and Federal Home Loan Bank Down Payment Assistance programs.

Greater Atlanta Area

Managed pipeline daily for fastest processing Communicated regularly with Account Executives and brokers regarding the status of the file including credit, documentation or lock expiration Pre-underwrote loan files to verify accuracy and completeness of documentation. Ran file through DU or LP to confirm accuracy of findings. Pulled all checks from FHA connection and ran GUS findings.Ensured the initial application and disclosures met current program guidelines Reviewed and sent conditional approvals to clients, placed follow up call to discuss conditions for clarity Multiple loan products- conventional, conforming high balance, FHA (including 203k), VA and USDA. Verified accuracy of condition documents received Submitted files for final approval and scheduled closings Cleared post-closing conditions as required from investor

Roswell, Ga

Led initial licensing team. Prepared and renewed applications for client to be compliant with licensing requirements in all 50 states and many municipalities. Reviewed all data for correctness and completeness. Familiarity with FDCPA.

Greater Atlanta Area

Contract processor for residential mortgage loans for multiple brokers with multiple lenders.Prepared disclosures for all files. Submitted files into underwriting after running DU or LP, calculating income, documenting assets, ordering appraisals, title work and insurance updates. Gathered conditions from the clients, reviewed for completeness and submitted to underwriting for final approval. Reviewed closing documents for accuracy. Worked on multiple loan products- conventional, jumbo, FHA, and VA.

Atlanta, Ga

Worked for multiple loan officers. Prepared disclosures for all new files. Submitted files into processing after running through DU or LP. Assisted processing with conditions needed. Multiple loan products were provided- conventional, FHA and VA.Coordinated marketing for all clients, current and previous.

Atlanta, Ga

Worked with new hires mentoring them with ongoing training and development. Prepared and presented training for loan processing, compliance and basic office etiquette. Compliance training based on RESPA, TILA, Consumer Protection Act and FDCPA. Processed all employee loan applications: ran DU, LP or GUS, submitted files into underwriting, gathered conditions, reviewed for completeness and submitted to underwriting for final approval, reviewed closing documents for accuracy. Multiple loan products- conventional, FHA, VA, USDA, jumbo. Additionally, I oversaw the operations for retail department.

Processed mortgage loans from disclosures through post-closing for multiple loan officers. Submitted files into underwriting after running DU, LP, or GUS, calculating income, documenting assets, ordering appraisals, title work and insurance updates. Gathered conditions from the clients, reviewed for completeness and submitted to underwriting for final approval. Reviewed closing documents for accuracy. Worked with various lenders to meet their individual requirements. Multiple loan products- conventional, jumbo, FHA, VA, USDA

Collector and paralegal for the HOA department. Prepared legal documents for filing with the courts. Communicated with debtors via email, phone and letter to resolve debt. Familiarity with FDCPA and use of PACER.

Company is now closed.Worked for multiple loan officers. Prepared disclosures for all new files. Submitted files into underwriting after running DU or LP, calculating income, documenting assets, ordering appraisals, title work and insurance updates. Gathered conditions from the clients, reviewed for completeness and submitted to underwriting for final approval. Reviewed closing documents for accuracy. Multiple loan products were provided- conventional, FHA and VA.Authored processing manual.

Company is now closed.Worked for multiple loan officers. Prepared disclosures for all new files. Submitted files into underwriting after running DU or LP, calculating income, documenting assets, ordering appraisals, title work, and insurance updates. Gathered conditions from the clients, reviewed for completeness and submitted to underwriting for final approval. Prepared file for closing and reviewed closing documents for accuracy. Multiple loan products were provided- conventional, FHA and VA

Private bank catering to Buckhead and Sandy Springs communities.Prepared disclosures and submitted files into underwriting after running DU or LP, calculating income, documenting assets, ordering appraisal, title, insurance update. Gathered conditions from the clients, reviewed for completeness and submitted to underwriting for final approval. Reviewed closing documents for accuracy. Aided in cross-selling other bank products to consumers. Contacted consumers delinquent on their loan payments and negative asset account balances to make arrangements for correction. Multiple loan products were provided- conventional, FHA and VA, consumer, HELOC.

Company closed in August of 07.Prepared marketing materials for internal and external use for selling FHA loans. Trained internal staff and brokers on how to determine qualification for FHA loans. Live group presentations, webinar and phone meetings were all utilized for training.

Company closed in March of 07.Underwrote mortgage loan applications for qualification.

Company closed in August of 07.Communicated daily with Account Executives regarding the status files in pipeline. Discussed conditions with brokers to determine accurate documentation to clear. Multiple loan products- conventional, jumbo, FHA, VA and USDA. Assisted brokers in scenario questions and placing loans into proper programs for approvals.

Worked for multiple loan officers. Prepared disclosures for all new files.Submitted files into underwriting after running through DU or LP, calculating income, reviewing asset documentation, ordered appraisals, title, insurance. Gathered conditions from the clients, reviewed for completeness and submitted to underwriting for final approval. Reviewed closing documents for accuracy. Multiple loan products were provided- conventional and jumbo; mostly ARM or Interest Only products.Managed office; ordered supplies, coordinated service calls and upgrades to equipment and software. Held FL Mortgage Broker License.

Certification, Life Coaching

I help people analyze their current lives and help them understand why they feel unmotivated or stuck By asking relevant and insightful.

Certification, Instructor

Recertified 2021. I am certified to instruct and facilitate financial capability programs created by Freddie Mac and CreditSmart..

Courses Completed, Community Development Finance

CDFA’s Development Finance Certified Professional (DFCP) Program is an intense training course learning experience and is the industry's.

Completed, Leadership

The Leadership Academy at Atlantic Capital Bank is an invitation-only program for developing leaders internally. The senior officers.

Attended, Psychology

Certification, Mortgage Lending Education

Certification, Mortgage Lending Education