Summary
Overview
Work History
Education
Skills
Timeline
Generic

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, Louisiana

Skills

  • 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
Tonya Smith