Carolyn Smith
Chattanooga
Summary
Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process.
Overview
33
33
years of professional experience
Work History
VP of Lending
Liberty Bank
03.2022 - Current
- Comply with established internal controls and policies.
- Recruit, interview and hire new employees and implement mentoring program to promote positive feedback and engagement.
- Maintain clean, accurate and accessible records and keep close eye on transaction updates throughout each month.
- Maintain and develop new client relationships
- Collections
- Asset Quality
Loan Manager
Liberty Bank
01.2021 - 03.2022
- Lead team charged with consumer lending compliance and risk evaluation.
- Trained newly hired employees to provide information regarding processes, procedures and deadlines.
- Made recommendations after completing prospects' loan analysis.
- Analyzed financial statements and tax returns to complete underwriting process.
- Observed all regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
Loan Officer / Loan Originator
Liberty Bank Of Utah
04.2019 - 01.2021
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Developed and maintained relationships with local real estate agents.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Maintained friendly and professional customer interactions.
Account Executive
Equity Prime Mortgage
02.2018 - 04.2019
- Articulated and demonstrated product concepts and offerings to clients in terms that were easily understandable.
- Contacted customers as soon as issues arose to immediately find resolutions before problems escalated.
- Drove new business development through qualifying leads, building relationships and strategic sales.
- Stayed up to date on changing industry and product standards and trends.
- Built and cultivated a healthy pipeline of customers that was interested in partnering with the company.
- Delivered a high level of service to clients to both maintain and extend the relationships for future business opportunities.
- Communicated regularly with customers regarding account questions and issues.
- Maintained a high level of understanding of industry standards and trends.
- Identified new business opportunities through cold calling, networking, marketing and prospective database leads.
- Built and strengthened relationships with new and existing accounts to drive revenue growth.
- Asked appropriate questions to identify prospects' needs and pinpoint the solutions that would be the best fit.
- Effectively communicated with clients using well-developed interpersonal skills, which helped to improve relationships and rapport.
- Identified customer needs and achieved service levels that met and exceeded expectations.
Real Estate
Self Employed Real Estate Agent
02.2015 - 04.2019
- Exceeded sales goals.
- Conducted face-to-face sales calls with homeowners, throughout TN.
- Attended monthly sales meetings and training.
- Created strategic brand building events to expand client database.
- Negotiated sales contracts for buyers.
- Wrote listing agreements for sellers.
- Help buyers with choosing the best lender, credit terms and loan product.
- Listing agent of the month, for 2015 & 2016.
- Listing agent of the year for 2015 & 2016.
- Kept current with changing mortgage guidelines to better serve my clients.
- Multi million dollar producer.
Account Executive
Mortgage Solutions Financial of Colorado
03.2017 - 02.2018
- Increased sales volume by adding accounts in the States of Tennessee, Alabama, Georgia, Missouri, California, Kentucky, South Carolina, North Carolina, Louisiana, and Virginia.
- Built relationships with customers and the community to promote long term business growth.
- Identified prospective customers by using business directories and following leads from existing clients.
- Created strategic brand building events to expand the current product portfolio.
- Prospected and conducted face-to-face sales calls with business executives and directors throughout assigned territory.
- Completed daily outbound calls, up to 14 hours per day.
- Contacted new and existing customers to discuss how their needs could be met through specific products and services.
- Attended monthly sales meetings and quarterly sales trainings.
Account Executive / Loan Originator
Professional Home Mortgages, Inc
04.1998 - 01.2015
- Managed a portfolio of over 500 accounts.
- Contacted new and existing customers to discuss how their needs could be met through specific products and services.
- Quoted rates, credit terms and closing cost.
- Selected the correct rates based on customer needs, product specifications and applicable regulations.
- Created contacts, through Closing Attorneys, Realtors, Volunteer Services, and past Client Referrals.
- Prioritized tasks and projects to meet tight deadlines.
- Maintained knowledge of changes in the industry.
- Packaged closed loans to send to loan servicer.
- Met with Banking and Finance for scheduled audits.
- Supervised staff.
- Multi million dollar producer.
- Performed fraud check on all files.
- Underwrote Loan Files
Owner
Howard Johnson
05.1991 - 04.1998
- Supervised and motivated the hotel staff.
- Ordered supplies.
- Maintained employee records.
- Member of Chamber of Commerce to keep up with events coming to the area.
- Kept detailed records of daily activities through our accounting software.
Education
Real Estate License - Real Estate
McKisson Real Estate
2014
Was working toward a Business Degree - Business Administration
Dalton State College
Skills
- Desktop Underwriter
- Loan Prospector
- Fannie Mae Guidelines
- Freddie Mac Guidelines
- USDA/RHA Guidelines
- FHA Guidelines
- VA Guidelines
- Decision/Laser Pro
- Non-Conventional Guidelines
- Calyx Software
- Jack Henry Silverlake
- Management Skills
- Bytes Software
- Revenue and profit maximization
- Persuasive negotiator
- Excellent communication skills
- Motivated team player
- Superior organizational skills
- Microsoft Word
- Lexisnexis Risk Management
- Underwriting Residential
- Credit Reporting Software
- Strategic account development
- Underwriting Commercial
Accomplishments
Professional Home Mortgages, Inc. was opened in 1998. I held the position as the only Loan Originator. Having no previous experience, and no clients, I contacted several wholesale lenders to get information on the products they offered, interest rates, and the loan submission process. Once comfortable, I joined the local Chamber of Commerce, visited real estate offices, attorney offices, and gave business cards to any and everyone I met, whether it was at a business function or the grocery store, within weeks, we had clients.
As a loan originator, it required meeting with clients, help complete loan applications, pull credit reports, advise in ways to improve credit if necessary, run loans through either Loan Prospector or DU, then select the best lender to submit the loan to, lock the interest rate, give clients the list of needed items, once items were in, the title and appraisal were then ordered, and the loan was submitted to lender for final underwriting approval.
Professional Home Mortgage soon became a correspondent lender, in Georgia and Tennessee. I then hired additional loan originators, and began originating commercial loans in addition to residential loans. While manager at Professional Home Mortgage, I held several positions that included Account Executive, Underwriter, Loan Originator, Wholesale Packaging, Compliance, Marketing Executive Auditor and Trainer.
This information is to show, that even though I didn't complete my degree, I had determination, problem solving skills, willingness to learn, and motivation, that made me successful.
Timeline
VP of Lending
Liberty Bank
03.2022 - Current
Loan Manager
Liberty Bank
01.2021 - 03.2022
Loan Officer / Loan Originator
Liberty Bank Of Utah
04.2019 - 01.2021
Account Executive
Equity Prime Mortgage
02.2018 - 04.2019
Account Executive
Mortgage Solutions Financial of Colorado
03.2017 - 02.2018
Real Estate
Self Employed Real Estate Agent
02.2015 - 04.2019
Account Executive / Loan Originator
Professional Home Mortgages, Inc
04.1998 - 01.2015
Owner
Howard Johnson
05.1991 - 04.1998
Real Estate License - Real Estate
McKisson Real Estate
Was working toward a Business Degree - Business Administration
Dalton State College
Similar Profiles
Ryan GoodmanRyan Goodman
Commercial Lending Intern at Liberty BankCommercial Lending Intern at Liberty Bank
Tyler GilchristTyler Gilchrist
Sr. Universal Banker at Liberty BankSr. Universal Banker at Liberty Bank
Rachel JohnsonRachel Johnson
Loan Officer Assistant at Liberty BankLoan Officer Assistant at Liberty Bank