Tonya Smith
Laplace,LA
Summary
Results-oriented and energetic individual with a strong focus on effective communication. Recognized for consistently delivering exceptional performance and maintaining a strong work ethic. Approach problem-solving with an analytical mindset and a service-oriented nature. Enthusiasm and eagerness to contribute to the team's success drive diligent work, attention to detail, and excellent organizational and communication skills. Possess a clear understanding of productivity, prompt response, and training in the mortgage industry.
Overview
5
5
years of professional experience
Work History
Condo Processor
CrossCountry Mortgage, LLC.
05.2024 - 08.2024
- Collected Condo Documents-Condo Questionnaires, Master Policy, Governing Documents
Member Service Representative III
Louisiana FCU
09.2023 - 05.2024
- Prepare Daily Rate Lock Sheets for Consumer Loans
- Managed sales and servicing of various credit union products
- Conducted teller and cash vault transactions with accuracy
- Resolved member queries promptly while maintaining professional relationships
Mortgage Loan Processor/Underwriter
Jefferson Financial FCU
08.2022 - 09.2023
- Maintain pricing spreadsheets
- Prepare and distribute rate lock sheets
- Review and validate rate lock requests
- Process rate lock and rate lock extensions requests within pricing engine and loan origination system (LOS)
- Manage Rate Lock expiration dates
- Maintain and distribute lock reports to management
- Document and obtain management approval of all exception pricing requests
- Processed and Underwrote diverse loans including Government (VA, FHA, USDA), Jumbo & Conventional within investor guidelines
- Condo Processing including requesting Condo Questionnaires with By-Laws and Restrictions, Blanket Policies for Conventional and Government Loans
- Act as the liaison between the loan officer, borrower/buyer ensuring necessary documentation for mortgage loan processing was obtained
- Compliance
Remote Mortgage Loan Processor & Trainer
Keller Mortgage
05.2019 - 05.2023
- Trained new hires on FHA/VA/USDA processes improving overall team efficiency
- Handled Government (VA/FHA) Jumbo & New Construction loans proficiently adhering to investor guidelines
- BAI Training and Compliance
Education
Some College (No Degree) -
Southern University A&M College
Baton Rouge, LouisianaSkills
- Rate Lock Operations
- Lock Expiration Management
- Rate Lock Management
- Encompass Software Skills
- Comprehensive Understanding of FHA, VA, and Conventional Financing
- Tax Return Evaluation
- Income Analysis for Loan Approval
- Regulatory Compliance Knowledge
- Knowledge of Mortgage Industry Terms
- Prioritization of Deadlines
- Resilient in Challenging Environments
- Team-Oriented Task Management
Timeline
Condo Processor
CrossCountry Mortgage, LLC.
05.2024 - 08.2024
Member Service Representative III
Louisiana FCU
09.2023 - 05.2024
Mortgage Loan Processor/Underwriter
Jefferson Financial FCU
08.2022 - 09.2023
Remote Mortgage Loan Processor & Trainer
Keller Mortgage
05.2019 - 05.2023
Some College (No Degree) -
Southern University A&M College
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