SHARON C. SMITH11116 Kempsford Drive, Charlotte, North Carolina, 28262

(704) 953-7043 MSSCS18@yahoo.com

PROFESSIONAL SUMMARYTo transfer several years of mortgage underwriting, customer services and banking expertise gained during in a financial corporate setting to a managerial level position for an established company.

KEY COMPETENCIESLeadership Management Detail Oriented and Strong Logical SkillsExcellent Verbal/Witten Communication Ability to work under pressure and deadlinesProficient in MS Word and finance software Quick Learner with aptitude to work without supervision

PROFESSIONAL EXPERIENCE

Foreclosure Mediation Underwriter II, 2012- 2014Wells Fargo, Fort Mill, South Carolina

Verify and examine information and accuracy on financial packages for mortgagers that are in default and active foreclosure.

Create a History Template- gather all of the data from the point of that file entering loss mitigation.

Attend telephonic mediation calls, which consist of working with counsel for both, Wells Fargo and the mortgager to discussing the best alternatives and resolutions.

Required to make ten day and three day calls to the attorney for any updates or documents received from the mortgager prior to the scheduled telephonic mediation cal.

Special projects, training, floor meetings, & conduct team meetings. Attained my C Delegation Certification, as well as, Underwriter I for Fannie Mae, VA, and

Freddie Mac as well as Bank & Private investors. Respond within 24 hours to all calls Internal & External as well as emails. Daily administrative tasks.

Loss Mitigation Negotiator/Specialist, 1999 - 2011Wells Fargo, Fort Mill, South Carolina

Provide assistance to homeowners, attorneys, investors, MI companies, Title Companies and clients pursing alternatives to foreclosure.

Evaluate and determine appropriate options based on financial information received. Process required financial obligations, ensuring that Wells Fargo & Company were within

investor guidelines. Compliance with Wells Fargo investors and legal guidelines. Monitor accounts for escrow and verify analysis completed. Monitor, verify & process wire transfers received with explanation for internal & external

clients.

Resume of Sharon C. Smith (Cont.)Page 2 of 2

Consumer Loan Processor/Teller Supervisor, 1984 - 1999South Trust Bank, Charlotte, North Carolina

Assist clients and employees on behalf of the company. Troubleshooting issues. Supervising tellers in everyday processing of handling client accounts and monetary

transactions. Completing monthly audits. In charge when branch manager was out of office. Consumer Loan Processor/Underwriter, handling loan applications for personal home

loans, car loans, credit cards, home equity and signature loans. Process and underwrite application for approval or denial. Assuring the clients meet the Fair Lending Act Guidelines set forth. Maintained daily records of operations

Credit Analyst for collections.

EDUCATION & TRAININGJohnson C Smith University Charlotte, NC- Business Finance & Management, 1978 - 1979Central Piedmont Community College, Charlotte, NC - Secretarial Science, 1980 - 1983

Computer Software/Systems:Microsoft Office, Excel, Power Point (Functional), Microsoft Outlook, Vendorscape, Fidelity, ERLM and other mortgage software package.

REFERENCESAvailable upon request.