Susan C. Smeal Beasley is seeking a position that offers growth and utilizes her knowledge in the mortgage industry. She has over 10 years of experience as a mortgage underwriter and loan processor, most recently at Bank of America from 2010 to 2015. Her experience includes underwriting loans, ensuring documentation is accurate and compliant, and providing excellent customer service. Prior to her mortgage experience, she held management roles in hospitality and appliance repair.

1. Susan C. Smeal Beasley (904)401-1392
Ssmealbeasley@yahoo.com
Looking for a position within a company that will
offer growth and development, as well as ultizin
g current knowledge in the mortgage industry.
Mortgage Modification Underwriter 5, Bank of America, Jacksonville, FL
Summary
 Mortgage processor/underwriter with skills in handling modification
request dealing with numerous investors and guidelines, FHA,
EHUD, VA, Fannie, Freddie, SFO, HFI and 2nd
liens mortgages
 Setting up front line applications (1003)
 Conducted VVOE (Verification of Employment), determine pay
frequency and monthly gross and net income
 Performed complete and in-depth review of mortgage loan files
including; Pulling and review current credit report, as well as all
assets and collateral accounts addressing any questionable
deposits, withdrawals, and or transfers
 Utilized client’s loan operating system to ensure accurate data entry
 Underwrote loans in accordance with client guidelines utilizing AUS
or manual guidelines
 Evaluated and ensured overall loan documents are accurate,
complete, and compliant free
 Identified and/or cleared ref flag or alerts
 Issued loan decision and condition file accordingly.
 Reviewed and approved conditions for compliance and completion
of loan file.
 Provided excellent customer service to internal and external clients.
 Maintained current knowledge of client and investor requirements.
 Resolved pre and post-closing issues as they relate to underwriting
 Assisted Processors/Loan Officers in understanding underwriting
decisions and conditions, and identify red flags and address.
2010-2015
Loan processor assistant, Aerotek (Bank of America), Jacksonville, Sum
mary
 Experience setting up front line applications (100x3)
 Conducted VVOE (Verification of Employment)
 Request appraisal to be ran and determine which appraisal needs to
2009-2010

2. be ran
 Utilized client’s loan operating system to ensure accurate data entry
 Underwrote loans in accordance with client guidelines utilizing AUS
or manual guidelines
 Evaluated and ensured overall loan documents are accurate,
complete, and compliant free and all conditions met
 Assist in gathering information needed to clear any red flags or
alerts
 Provided excellent customer service to internal and external clients.
 Maintained current knowledge of client and investor requirements.
 Resolved pre and post-closing issues as they relate to underwriting
 Assisted Processors/underwriter decisions and conditions
Manager on Duty, Motel 6, Jacksonville, FL
Responsible for handling daily deposits , safe drops and safe amounts,
scheduling of all employees, ensure complete guest satisfaction. Orderi
ng all items needed on a daily basis hotel guest and staff
2008-2009
Office Manager, Florida Home AC & Appliance, Jacksonville FL
Responsible for daily deposits and bank runs, assisting in dispatching te
chnicians to service calls, open and closing of work orders, billing 3rd pa
rty warranty companies. Ordering parts and equipment. As well as mana
ging rent to own appliance/air conditioning payments until paid in full. Sa
le of items needed to the public to repair home appliances and air condit
ioners
2001-2007
Education
Student, Basic studies, Clay High School, Green Cove Springs, FL 1994-1996
Community Service
Mentor, Camping Blanding Mentor Svcs, Green Cove Springs FL 2012-2013
Feeding NE Florida, Jacksonville FL 2014-2015
Salvation Army, Jacksonville/OrangePark FL 2013-2015