Sarah Smith Email & Phone Number

Kirkland, Wa, Us

Seattle, Wa

Greater Seattle Area

Reviewed and audited mortgage applications for completeness and accuracy; analyzing credit reports, income and asset documents, title documents, appraisals and all other applicable compliance documentationMade sound underwriting decisions. Evaluated debt ratios, loan-to-value ratios, credit score, property valuation and various other factors. Determined and documented loan conditions.Effectively communicated underwriting decisions and conditions verbally and in writingIdentified risks of underlying business practices, underwriting, and/or fraud exposureEnsured loan package complied with all credit union, investor, RESPA, HMDA, Fair Lending, ECOA, policies, procedures, rules and regulationsReviewed conditions of approval to ensure acceptability to investor policies and procedures Ensured final DU, loan application, and underwriting transmittal were accurateIdentified and resolved loan deficiencies in a timely fashion. Sought supervisor or management assistance as neededMade concentrated efforts to provide solutions to loan qualifications and present counter offer terms when appropriatePrepared training materials and manuals for conventional, jumbo, portfolio, VA, and FHA loansPrimary trainer and resource for incoming underwriting staff Mentored non-underwriting production staff on underwriting process so they had a better understanding of the process and reasoning behind conditionsPrepared VA and FHA files for review with Correspondent LenderParticipated on Implementation Team and was Underwriting Subject Matter Expert for new LOS/POS systemsPrepared training materials and manuals for new LOS/POS systems and conducted staff trainingCreated multiple tools to be utilized by staff to streamline processes

Greater Seattle Area

Managed multi-state residential mortgage loan pipeline of 20+ files monthlyReviewed residential loan applications to verify that application and system data were complete, accurate and met investor standardsAnalyzed and reviewed credit, income, asset, and property documentation; and updated system as neededCommunicated loan detail changes with underwriters, loan officers, and borrowers; and prepared re-disclosures when neededCommunicated with borrowers, real estate agents, attorneys, appraisal management companies, title companies, etc. to ensure all critical dates have been met, and loan closed on timeProcessed order outs for appraisal, title, private mortgage insurance, hazard insurance, etc. Ensured orders were received in a timely manner.Verified loan submittals met internal and external eligibility requirementsSubmitted mortgage loan application files for final underwriting approvalSubmitted approved mortgage loan files to mortgage loan closerCommunicated loan status with borrowers, agents, loan officers, and other key partiesResolved any issues or discrepancies that arose prior to the loan closingMaintained accurate pipeline by documenting conversation logAssisted Senior Management with testing and training on new LOS and TRID

Greater Seattle Area

Handled mortgage pipeline of 30+ files monthly from origination, processing, underwriting, preparing closing docs, and fundingReviewed residential loan files to verify that application and system data were complete, accurate and met investor standardsAnalyzed and reviewed credit, income, asset, and property documentation; and updated system as neededCommunicated loan detail changes with underwriters, loan officers, and borrowers; and prepared re-disclosures when neededCommunicated with borrowers, real estate agents, attorneys, appraisal management companies, title companies, etc. to ensure all critical dates have been met, and loan closed on timeProcessed order outs for appraisal, title, private mortgage insurance, hazard insurance, etc. Ensured orders were received in a timely mannerEnsure loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting Fannie Mae loansProvided meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine risk and repayment capacityProblem solved member issues and routinely used my expertise to answer borrower and staff questionsProcessed the selling of closed loans to Fannie MaeAudited incoming CUDL loan documents for completeness and accuracy.Funded, booked, and scanned audited CUDL loan.Maintained CUDL dealer relationships.

Greater Seattle Area

Delivered exceptional member service experience to build and retain long-term relationshipsThrough conversation, assessed members financial needs and recommended services and products to help them achieve their financial goalsOpened a wide range of banking products, including submitting mortgage and consumer loan applicationsEducated new and existing members about banking services that provide additional convenience such as online banking, E-Statements, Bill Pay, and ATM and mobile deposit abilitiesProvided a variety of teller transactions while consistently balancing cash drawer with a high level of accuracySigned and funded a full variety of consumer loan products, including boat and trailer loans, auto loans, recreational loans, personal loans, and secured loansRecruited by the mortgage department to communicate with members who sent inquiries regarding obtaining a new mortgage

Tulsa, Oklahoma Area

Open new personal bank accounts Processed incoming/outgoing wires, currency transaction reports, and new note audits.Created various spreadsheets to be used by CFO, assisted with accounts payable.Experience with customer transactions, lockbox, ordering checks and debit cards, customer account maintenance, balancing ATM, buying and selling money through Loomis Fargo, helped compose the Bank South Teller Manual, back-up customer service representative.Balance cash drawer with consistently high level of accuracy.

Tulsa, Oklahoma Area

Experience with member transactions, savings bonds, closing debit cards, verification of deposits, adverse action forms, microfilming, opening and closing accounts