Yolanda Smith Email & Phone Number

Allentown, Pennsylvania, United States

Promoted to timely and independently process a portfolio of residential secured loans in compliance with laws and regulations for a full-service financial services provider offering insurance, wealth management, and mortgage banking lines of business.• Process 25 – 30 conventional loans (Fannie Mae, Freddie Mac), government loans (FHA, VA, USDA), and C2P (Construction to Permanent) loans monthly working closely with several internal Home Loan Consultants.• Review the application package for completeness and conformity to the applicable loan program requirements.• Process new mortgages, re-finance mortgages with fixed and adjustable-rate loan programs.• Licensed in New Jersey, Pennsylvania, Maryland and with underwriting exceptions in South Carolina, Florida, and Georgia.• Complete and deliver the application, documentation, and loan disclosures in compliance with the required timeline/regulations for the appropriate loan program; typically submit loan files to underwriting in a five-day timeframe.• Order and track applicable services such as, Social Security Verifications, IRS tax Transcripts, Appraisal and Title.• Ensure accurate and timely communications to establish on-going dialogue, business relationships, and trust with clients.• Serve as a mentor for interns and Mortgage Processor I and assist other departments and individuals within Univest in understanding the various consumer programs and processes.

Allentown, Pennsylvania, United States

Souderton, Pennsylvania, United States

Promoted to oversee initial disclosures to borrowers while proactively managing deadlines and escalated issues.• Ensured compliance, accuracy, and timing of initial disclosures upon receipt and review of loan applications for mortgage loan file, and validated compliance of changes in circumstance and redisclosures. • Oversaw and monitored pipeline volume and turn times for both disclosure and service desks focusing on accuracy, efficiency, transparency, and customer service; collaborated with internal loan officers on each loan from pre-approval to processing.• Assisted loan officers with rate lock maintenance, loan re-prices, and general lock desk inquiries; confirmed loan pricing accuracy and profitability and ensured accuracy of fees for outbound disclosures.• Monitored important due dates for loan file including, but not limited to sales contract dates, rate lock and credit report expiration dates, etc.; reviewed file documentation and ensured all items needed were requested.

Souderton, Pennsylvania, United States

Recruited and quickly promoted to sell mortgage products to new and existing clients.• Sold conventional residential loans (Fannie Mae, Freddie Mac), and government loans (FHA, VA, USDA); delivered an exceptional client experience and demonstrated solid grasp of mortgage processes such as pricing and financial analysis.• Maintained up-to-date knowledge of mortgage lending regulations such as fair lending, HPML, HMDA, TILA, and RESPA.• Prospected for new business with PowerPoint presentations in office, at churches, libraries, bookstores, real estate agencies, and open houses to maintain a quality portfolio and sales pipeline.• Provided consultative services regarding mortgage financing, applicant loan options and possible products applicable to the need; performed analysis of credit, financial data, verifications, and other information to determine feasibility of granting loan. • Earned NLMS License, and maintained compliance with policies, regulations, and procedures.

Souderton, Pennsylvania, United States

Whitehall, Pennsylvania, United States

Led the customer service team at a retail store to provide exceptional, friendly, and professional service at all times for a nationally recognized off-price retailer offering an extensive selection of in-season, fashion-focused merchandise at up to 60% off.• Provided leadership and direction to 15 part-time cashier, sales, and merchandising associates; provided feedback to team members to reinforce customer service best practices and to maintain a satisfied, loyal customer base critical to driving sales.• Trained, mentored, scheduled, coached, and influenced associates with six of them moving on to earn college degrees.• Directed cashier coverage and customer flow at the front of the store to ensure efficient service and maximize sales performance; implemented best practices on greeting, friendliness, and speed of checkout, and swiftly resolved all store issues.• Monitored and validated returns, exchanges, check authorizations, voids, and other transactions; scrutinized areas of carelessness, fraud, free bagging, theft, and shrinkage to reduce profit loss and increase revenue.

Wilmington, Delaware, United States

Promoted to process and analyze mandatory and voluntary corporate actions for all organizational accounts for a global financial services company focused on helping clients manage and service their financial assets.• Directly handled multiple fund event creation and notification of U.S. and global corporate actions; reconciled, monitored, and posted entitlements to client accounts; generated accurate and comprehensive reports.• Contributed to the achievement of team goals and objectives, and increased revenues and client satisfaction by compiling and analyzing complex data and corporate action information.• Processed cash, security, and suspense transactions, performed daily reconciliations, and interpreted complex documents while adhering to established quality control measures and procedures to ensure no breaches and avoid financial risk.• Researched and responded to sensitive inquiries from internal business groups, depositories, agents, brokers, clients, Investment Managers, sub custodians and/or custodians; ensured resolution due to the urgency of the event. • Handled trade activity on old and new securities to ensure client protection and trading issues.

Wilmington, Pennsylvania, United States

Returned to the company following graduation with B.A. degree calculate, process, and reconcile cash and trade transactions.• Processed and reconciled a large pipeline of cap stock, dividends, and domestic and foreign trades; ensured trades were processed and resolved by settlement date; prepared daily cash and share reconciliation reports for various countries. • Calculated daily Net Asset Value (NAV) calculations. • Researched tax treatment of complex financial instruments and corporate actions of funds. • Created reports to review results produced to ensure reasonableness of movements.

Wilmington, Delaware, United States

Recruited to perform day-to-day accounting tasks and calculation of Net Asset Value (NAV) of hedge funds.• Applied standard accounting practices while accurately recording classified basic fund financial transactions. • Posted, balanced, reconciled and maintained accounting records for various investment asset accounts. • Processed trades and performed transaction analysis; created multiple reports for analytical review and sharing.• Identified and implemented process improvements to reduce audit and financial exposure and improve team efficiency.

Master Of Public Administration - Mpa

Bachelor Of Arts And Sciences, Political Science

Associate Of Arts And Science, Business Administration