Grace Smith
About Grace Smith
Grace Smith is an experienced Mortgage Underwriter currently working at The Oakleaf Group in Chevy Chase, Maryland. She holds a Bachelor's Degree in Business Finance from Georgia State University and has over nine years of experience in the mortgage industry, including previous roles at Wachovia Financial and Regions Bank.
Work at The Oakleaf Group
Grace Smith has been employed at The Oakleaf Group as a Mortgage Underwriter since 2015. In this role, she is responsible for evaluating loan applications and ensuring compliance with lending policies. Her tenure at the company spans over nine years, during which she has developed expertise in identifying misrepresentation and fraudulent activity through detailed analysis of loan documentation and transactions.
Education and Expertise
Grace Smith holds a Bachelor’s Degree in Business Finance from Georgia State University, which she achieved in 2016. Additionally, she studied Business Administration and Management at Montgomery College from 1990 to 1993. She also earned a Bachelor of Business Administration in Accounting and Finance from the University of Phoenix in 2014. Her educational background supports her extensive experience in mortgage underwriting and risk assessment.
Background
Grace Smith has a diverse professional background in the financial sector, having worked in various roles related to underwriting and risk management. Prior to her current position, she held roles at Wachovia Financial/Wells Fargo as a Financial Specialist and Underwriter, and at Treliant Risk Advisors as a Risk Examiner. Her career also includes positions at Regions Bank, CFIC Home Mortgage, and The Opus Group®, where she gained valuable experience in compliance review and financial analysis.
Achievements
Throughout her career, Grace Smith has developed skills in using Desktop Underwriting (DU) and Loan Prospector (LP) systems to evaluate loan applications. She is proficient in data verification tools such as Data Verify and Accurint, which are essential for ensuring the accuracy of applicant information. Her expertise extends to compliance with anti-money laundering (AML) regulations and handling complex tax forms for income validation, which are critical in the mortgage industry.
Technical Proficiency
Grace Smith possesses technical proficiency in various software tools essential for mortgage underwriting and risk assessment. She is experienced in using Salesforce, Unifi, and Lexis Nexis, which facilitate efficient processing and analysis of loan applications. Her comprehensive understanding of OFAC and banking compliance further enhances her ability to prevent financial crimes within the mortgage sector.