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.
• 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.

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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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