Nicole R. Smith, CMB
Asst. Director of Residential Educational Content - Strategy and Member Services at Mortgage Bankers Association- Claim this Profile
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Bio
LinkedIn User
Nicole is an awesome business partner capable of clearly defining her vision. One of the most knowledgeable mortgage professionals I've worked with possessing a profound grasp of overall market dynamics. Not to mention she's a genuinely nice person.
Charles Mapson
Nicole is an exemplary sales manager and professional. I knew of her work at Homeside when I was at Barnett Bank. But once I had the opportunity to work directly with Nicole at RBMG, Inc. and NetBank, it was clear to me that her reputation for sound business judgment, sales force motivation and leadership, and corporate responsibility was profoundly accurate. Much of RBMG's and NetBank's success in the mortgage industry during the early 2000's was due to Nicole's efforts. I had the opportunity to work closely with her on many initiatives for which my team provided legal support. She always asked the right questions and had the right answers. Her focus in the wholesale lending area was always on the good customer, knowing that the good customer's success was the Bank's success. In that regard she embraced and lead efforts in customer segmentation and marketing. It was fitting that when NetBank underwent a significant corporate change and restructuring in 2006, Nicole was given full responsibility for residential mortgage sales for the entire Company, and led that team throughout a tremendously difficult period. I wholeheartedly recommend Nicole.
LinkedIn User
Nicole is an awesome business partner capable of clearly defining her vision. One of the most knowledgeable mortgage professionals I've worked with possessing a profound grasp of overall market dynamics. Not to mention she's a genuinely nice person.
Charles Mapson
Nicole is an exemplary sales manager and professional. I knew of her work at Homeside when I was at Barnett Bank. But once I had the opportunity to work directly with Nicole at RBMG, Inc. and NetBank, it was clear to me that her reputation for sound business judgment, sales force motivation and leadership, and corporate responsibility was profoundly accurate. Much of RBMG's and NetBank's success in the mortgage industry during the early 2000's was due to Nicole's efforts. I had the opportunity to work closely with her on many initiatives for which my team provided legal support. She always asked the right questions and had the right answers. Her focus in the wholesale lending area was always on the good customer, knowing that the good customer's success was the Bank's success. In that regard she embraced and lead efforts in customer segmentation and marketing. It was fitting that when NetBank underwent a significant corporate change and restructuring in 2006, Nicole was given full responsibility for residential mortgage sales for the entire Company, and led that team throughout a tremendously difficult period. I wholeheartedly recommend Nicole.
LinkedIn User
Nicole is an awesome business partner capable of clearly defining her vision. One of the most knowledgeable mortgage professionals I've worked with possessing a profound grasp of overall market dynamics. Not to mention she's a genuinely nice person.
Charles Mapson
Nicole is an exemplary sales manager and professional. I knew of her work at Homeside when I was at Barnett Bank. But once I had the opportunity to work directly with Nicole at RBMG, Inc. and NetBank, it was clear to me that her reputation for sound business judgment, sales force motivation and leadership, and corporate responsibility was profoundly accurate. Much of RBMG's and NetBank's success in the mortgage industry during the early 2000's was due to Nicole's efforts. I had the opportunity to work closely with her on many initiatives for which my team provided legal support. She always asked the right questions and had the right answers. Her focus in the wholesale lending area was always on the good customer, knowing that the good customer's success was the Bank's success. In that regard she embraced and lead efforts in customer segmentation and marketing. It was fitting that when NetBank underwent a significant corporate change and restructuring in 2006, Nicole was given full responsibility for residential mortgage sales for the entire Company, and led that team throughout a tremendously difficult period. I wholeheartedly recommend Nicole.
LinkedIn User
Nicole is an awesome business partner capable of clearly defining her vision. One of the most knowledgeable mortgage professionals I've worked with possessing a profound grasp of overall market dynamics. Not to mention she's a genuinely nice person.
Charles Mapson
Nicole is an exemplary sales manager and professional. I knew of her work at Homeside when I was at Barnett Bank. But once I had the opportunity to work directly with Nicole at RBMG, Inc. and NetBank, it was clear to me that her reputation for sound business judgment, sales force motivation and leadership, and corporate responsibility was profoundly accurate. Much of RBMG's and NetBank's success in the mortgage industry during the early 2000's was due to Nicole's efforts. I had the opportunity to work closely with her on many initiatives for which my team provided legal support. She always asked the right questions and had the right answers. Her focus in the wholesale lending area was always on the good customer, knowing that the good customer's success was the Bank's success. In that regard she embraced and lead efforts in customer segmentation and marketing. It was fitting that when NetBank underwent a significant corporate change and restructuring in 2006, Nicole was given full responsibility for residential mortgage sales for the entire Company, and led that team throughout a tremendously difficult period. I wholeheartedly recommend Nicole.
Experience
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Mortgage Bankers Association
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United States
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Banking
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200 - 300 Employee
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Asst. Director of Residential Educational Content - Strategy and Member Services
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Feb 2015 - Present
Working with the Education Team to update and expand MBA's residential mortgage banking courses. Very interested in talking with anyone interested in pursuing their Certified Mortgage Bankers Designation; or assisting with teaching our online or SOMB courses. Always looking for subject matter experts to review and critique our updates to ensure they are state-of-the-art. My contact information is above and current. Mortgage Professionals: CMB - If not now, when? Working with the Education Team to update and expand MBA's residential mortgage banking courses. Very interested in talking with anyone interested in pursuing their Certified Mortgage Bankers Designation; or assisting with teaching our online or SOMB courses. Always looking for subject matter experts to review and critique our updates to ensure they are state-of-the-art. My contact information is above and current. Mortgage Professionals: CMB - If not now, when?
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Heltzel Mortgage
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Manassas VA
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Mortgage Loan Officer
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Jan 2012 - Feb 2015
Originated and assisted with processing conventional, FHA, VA, and USDA first and second mortgages. Originated and assisted with processing conventional, FHA, VA, and USDA first and second mortgages.
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Clifton Presbyterian Church
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Fairfax County Virginia
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Chair of the Mission Committee & Member of Session (Board of Directors)
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2009 - 2012
Orchestrated the domestic and international mission work of the church, disaster response and fundraising efforts. Elected to a 3 year term in 2009, I increased fundraising revenues by 43%; secured a budget increase of 50%; significantly expanded mission initiatives; and generated an additional 33k in funds available for ministry. Managed the allocation of those funds to apx. 30 non-profit organizations and served as our liaison with their executives. Administrative duties included budgeting, staffing, A/P, A/R, advertising, in-kind collections and distribution, public speaking, and management of 4 major fundraising events each year and 14 smaller "cause specific” campaigns. As a Member of Session I participated in all decisions affecting the church including staffing, budgeting, stewardship, communications, community activities and served as an Elder Commissioner at National Capital Presbytery Regional meetings and votes. Show less
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Samson Properties
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United States
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Real Estate
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700 & Above Employee
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Real Estate Sales & Short Sale Negotiation
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2008 - 2012
Office manager, agent and short sale negotiation on behalf of Sampson Properties. Office manager, agent and short sale negotiation on behalf of Sampson Properties.
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NetBank
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Banking
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1 - 100 Employee
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Director - National Wholesale Production Manager (2002-08)
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2002 - 2008
Post-acquisition I was appointed to work with a team of three Directors to oversee the residential A paper residential mortgage operation: sales, performance, profitability, revenue, compliance, regulatory policy/practice, repurchase, fraud and interest rate risk, pricing, product development, broker approval, contract design; risk and quality control and compliance, underwriting, closing, post-closing, loan sales and delivery; repurchase decisions, and business requirements and design and a state-of-the-art website. Direct responsibility for business development, profitability, product development and customer performance as measured by a customer scorecard which I was an integral part of designing. Production volumes varied from 1-3 B in broker wholesale mortgages from brokers and correspondents nationwide generated by a team of seven Regional Production Managers and approximately 50 Account Executives. Developed and managed a world class sales operation and written execution program that set my team dramatically apart from the competition as measured in production, profitability, morale, execution and customer quality. Netbank FSB was dissolved in Feb 2008. Show less
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RBMG Mortgage Company subsequently acquired by Netbank FSB
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Columbia, South Carolina Area
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SVP Wholesale Production (2000-02)
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2000 - 2002
Sought out by CEO to RBMG as part of a team of three executives to rebuild the failing mortgage wholesale organization. RBMG was successfully restored to profitability and subsequently sold to Netbank FSB, an internet only retail bank in 2002. Sought out by CEO to RBMG as part of a team of three executives to rebuild the failing mortgage wholesale organization. RBMG was successfully restored to profitability and subsequently sold to Netbank FSB, an internet only retail bank in 2002.
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Homeside Lending
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Jacksonville, Florida
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Regional Wholesale Production Manager, SVP
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1998 - 2000
Joined Homeside as one of six Regional Managers within the Residential Wholesale Lending Channel as a result their acquisition of Loan America Financial and was key to the success of the integration. Shortly thereafter promoted to National Production Manager/SVP in charge of broker wholesale originations to enhance, expand and lead a team of Regional Managers and Account Executives; manage profitability and customer performance, and indirectly manage investor and market risk. Grew production volume exponentially while simultaneously generating industry high profits of 35 to 50 basis points. Show less
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East Coast Regional Production & Operations Manager
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1994 - 1998
Promoted from an Account Executive position to Sales Manager of the Rockville office in 1994. In 1996 promoted to East Coast Regional Production Manager to open 5 full service origination offices in New York, Pennsylvania, Maryland, Atlanta and Florida each staffed with teams of sales, underwriting, closing and post-closing personnel. Developed systems to maintain profitability with line item scrutiny, establishing product level pricing and minimizing repurchase and fraud activity. Participated in the due diligence process, acquisition and integration of Banc Plus Mortgage, and again as we were acquired by Barnett Bank, Nations Bank, and finally Bank of America in 1997. Show less
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Wholesale Account Executive
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1991 - 1994
Developed relationships with mortgage brokers in the Northern Virginia territory; one of top 3 producers nationwide. Took a leadership position within the branch developing sales execution and customer management protocols later adopted companywide (cited by the Barnett Bank’s due diligence team as a key piece of the value proposition on which they based their decision to purchase the Loan America franchise.) Developed relationships with mortgage brokers in the Northern Virginia territory; one of top 3 producers nationwide. Took a leadership position within the branch developing sales execution and customer management protocols later adopted companywide (cited by the Barnett Bank’s due diligence team as a key piece of the value proposition on which they based their decision to purchase the Loan America franchise.)
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Wholesale Client Liaison
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1988 - 1991
Business development liaison with brokers and correspondents for negotiating purchase agreements and issues relating to pricing, underwriting, and closing spot and bulk residential loans. Based on superior performance I was selected for a "round robin" management training program on all aspects of the bank's mortgage lending infrastructure: VA/FHA approvals and relationship with the agencies; writing company policy and management of retail origination branches; post-closing audit review and investor follow-up; secondary marketing; FHA/VA/conventional loan insuring; and loan sales and delivery to FNMA/FHLMC/private investors. Show less
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The Mortgage Market
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Alexandria, Virginia
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Retail Production & Operations Manager
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1984 - 1988
Began as a part time processor/loan officer at this small retail broker operation during college and transitioned to a full time loan officer after graduating. Promoted shortly thereafter to office manager overseeing all aspects of origination and processing of conventional, government, subprime 1st and 2nd mortgages. Handled marketing and advertising, loan lock and pricing, processing, loan placement, packaging and submissions, hiring and training, and cultivating investor/appraiser/realtor/closing agent relationships. Show less
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Education
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1984 - 1985
American University
Bachelor of Science (B.S.), Business Administration/Economics -
1981 - 1983
Simmons College - Simmons School of Management
Economics -
2006 - 2007
Mortgage Bankers Association
Certified Mortgage Banker, scoring "excellent"on all written and oral exams
Community
