ASHLEY BOWERS

**** ****** **. **********, **. ***05 ac1o01@r.postjobfree.com. 859-***-****

OBJECTIVE

To obtain a position that will enable me to bestow my years of professional experience. I am a self-motivator, accomplished in problem solving, multitasking, implementation of policies and procedures, building and maintaining relationships with staff, supervisors, and customers. I have the ability to remain calm in stressful situations. I believe my years of experience in the financial industry can broaden my career within the industry, whether it may be in mortgage, banking or anywhere in finance.

EXPERIENCE

Hobby Lobby October 2016-February 2017-Seasonal position

SALES ASSOCIATE – customer service, cashier, stocking for the seasonal season.

CAREGIVER April 2014 to September 2016

for my disabled/sick father.

Fifth Third Bank (temp. for temp agency 5/12-9/12) Cincinnati, OH. Hired on full time 9/12-4/14

MORTGAGE LOAN CLOSER I

Reviewed mortgage loan information/documentation on all types of mortgages (including Government), while focusing on providing accurate closing documents.

Prepared closing instructions within at least 24 hours upon assignment of loan. Reviewed HUD within at least (if not earlier) 4 hours upon receipt.

Reviewed signed documents for accuracy, initiated wire transfers, and participated in post-closing activities in accordance with RESPA regulations.

Ensure the data integrity on processing/closing system is accurate.

Communicated with escrow/title companies, loan originators, brokers, and other parties.

Polunski & Beitel, LLP / Prime Lending Dallas TX. 01/09-03/10

MORTGAGE LOAN CLOSER

Knowledge of the new 2010 RESPA guidelines, HUD1, TIL, HMDA and other regulations.

Closed Conventional, FHA/VA loans, HUD, HASP, and USDA.

Maintained my pipeline while consistently exceeding the monthly goals set forth.

Reviewed title commitment, survey (if applicable), hazard insurance, and flood cert.

Prepared closing documents and reviewed HUD1 to make sure loan meets its requirements.

Fortes Financial, Inc. Dallas, TX. 3/08-11/08

MORTGAGE LOAN CLOSER/FUNDER/SHIPPER

Performed all assigned closing duties, reviewing loan files for proper completion of the pre-closing and post-closing process as requested by the underwriter.

Preparing collateral to ship out and scanning loan files for archive.

Cleared stipulations needed loan to ensure a quick turnaround.

National City Mortgage Dallas, TX. 5/07-3/08

MORTGAGE LOAN PROCESSOR

Verified, compiled, and typed application information for mortgage loans.

Called or wrote credit bureau and employer to verify accuracy of information.

Verified that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.

Gathered all documentation needed for final Underwriting review.

Broker Source Addison, TX. 06/04-10/06

MORTGAGE LOAN CLOSER/FUNDER

Coordinated the transaction with the closing agent/title company & fund the loan upon fulfillment of all conditions.

Assured all underwriting conditions are met prior to sending out closing packages

Shipped loans out to the appropriate investor.

Irwin Mortgage Plano, TX. 08/03-06/04

MORTGAGE LOAN PROCESSOR

Ordered Flood certificates, Homeowners Insurance, VOE’s.

Processed the loan file for completion and closing by adhering to the conditions required by the underwriter and AUS Report Desktop Underwriting (DU), and Loan Prospector (LP)

Reviewed loan files, verified (and ordered if needed) all information including appraisal, credit report, prelim title commitment, income and assets.

Stayed proactive validating & processing loan files, requested missing documents, & working to review information with the underwriters to get the loan approved.

MIT Lending Dallas, TX. 09/01-08/03

MORTGAGE LOAN CLOSER/FUNDER/SHIPPER

Reviewed title commitments, surveys, appraisals, etc. for accuracy.

Communicated with brokers, LO, processors & title companies.

Verified HUD1 and documents meet investors€™ compliance.

Reviewed signed closing documents for accuracy to fund.

EDUCATION

Graduated and received my High School Diploma from Okaloosa County High School.

College: Lurleen B. Wallace CC

SKILLS

Excellent customer service, self-starter, quick learner, great analytical skills, results driven, interpersonal and critical thinking skills, great team work skills, strong organization and time management skills.

Mortgage software: Encompass, DataTrac, Unifi, Document Trac, TMO, Empower, Point, Doc Magic, DU/LP, etc.

PC skills: MS office, MS outlook, Excel, Word, PowerPoint, Access, Project Windows, Visio & etc.

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