Charles A. Smith III
San Diego
Summary
Seasoned closer known for high productivity and efficient task completion. Skilled in negotiation, client relationship management, and sales strategy formulation. Excel in communication, problem-solving, and teamwork, ensuring seamless transactions and customer satisfaction.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Commercial Real Estate SBA Closer
US Bank N.A.
San Diego
09.2022 - Current
- Manage and service a diverse portfolio of commercial loans, overseeing complex processes including loan payments, lien releases, modifications, renewals, business structure changes, and loan payoffs.
- Conduct thorough reviews of all supporting loan documentation to ensure accuracy and compliance with regulatory requirements.
- Identify and resolve loan-related issues promptly to maintain portfolio integrity and customer satisfaction.
- Coordinate effectively with borrowers and Relationship Managers to facilitate the timely review and execution of closing documents, the processing of loan payments, the accurate recording of transactions, and the distribution of funds.
Loan Documentation Specialist 5
US Bank N.A.
San Diego
10.2021 - 09.2022
- Prepared and reviewed loan and lease packages, ensuring accuracy and compliance with policies and regulatory guidelines.
- Collaborated with staff, clients, realtors, brokers, counsel, and title companies to gather documentation and address inquiries.
- Verified documents to ensure completeness within designated timeframes.
- Facilitated loan closing and funding, calculating final closing costs and overseeing the disbursement of funds.
- Provided problem resolution and proactive communication to expedite loan processing.
Commercial Loan Project Manager
FundLoans Capital & Fidelis Private Fund L.P.
San Diego
02.2019 - 02.2021
- Managed commercial loans, including bridge purchase, refinance, and construction financing.
- Collected and analyzed loan documents such as financial records, guarantor details, property tax valuations, and collateral ownership verification.
- Ensured legal entity validation and appropriate loan structuring to safeguard lender interests.
- Prepared for loan closing by ordering necessary servicing documentation.
- Verified borrowers executed closing documents, identified discrepancies, and archived records in the LOS system.
- Followed accounting regulations and reported prepaid interest, principal payments, strip rate, and investor account maintenance.
Sr. Loan Processor
Union Bank
San Diego
04.2013 - 02.2019
- Managed loan pipeline for FHA, FHA Streamline, conventional, purchase, and refinance loans.
- Ensured accuracy of mortgage loan applications, addressing concerns and escalating issues when necessary.
- Analyzed income, credit, title, and appraisal reports, resolving discrepancies before initial underwriting.
- Ordered and verified credit supplements, title supplements, and tax transcripts for authentication.
- Validated closing disclosures to meet TRID guidelines and resolved undisclosed fees.
- Coordinated with loan officers and underwriters to confirm loan documentation accuracy and conditions prior to closing.
- Complied with TRID disclosure rules in cases of Change of Circumstance (COC).
- Responded to and recorded customer inquiries within 24-48 hours.
Education
Bachelor of Science - Information Technology
American InterContinental University
Atlanta, GA11.2025
Some College (No Degree) - Cyber Security
San Diego State University
San Diego, CASkills
- Commercial and residential loan processing
- Bridge financing
- Refinance financing
- Construction financing
- Loan structure evaluation
- Collateral verification
- Closing document review
- Compliance
- Investor reporting
- Account maintenance
- Financial analysis
- Risk assessment
- Payment processing
- Regulatory compliance
- Mortgage application accuracy
- Title analysis
- Credit analysis
- Appraisal analysis
- Compliance with TRID guidelines
- Compliance with COC guidelines
- Closing disclosure validation
- Loan condition satisfaction
- Database management
Websites
Certification
- A+ IT Essentials
- MS Word
- Excel
Timeline
Commercial Real Estate SBA Closer
US Bank N.A.
09.2022 - Current
Loan Documentation Specialist 5
US Bank N.A.
10.2021 - 09.2022
Commercial Loan Project Manager
FundLoans Capital & Fidelis Private Fund L.P.
02.2019 - 02.2021
Sr. Loan Processor
Union Bank
04.2013 - 02.2019
Bachelor of Science - Information Technology
American InterContinental University
Some College (No Degree) - Cyber Security
San Diego State University
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