Alexis Rasch

Client Intake & File Preparation

• Gather financial documents (paystubs, tax returns, bank statements, bills, lawsuits, IDs).
• Review client questionnaires and enter data into BestCase

Communicating With Clients

• Guide clients through:
  - Credit counseling & debtor education requirements
  - Signing petitions
  - Understanding the 341 meeting
  - Responding to trustee document requests
• Keeping clients on track and reducing their confusion/anxiety.

341 Meeting Preparation

• Prepare clients for typical trustee questions.
• Upload and send required docs to the trustee (paystubs, bank statements, tax returns, ID verification).
• Draft 341 meeting briefs or summaries for the attorney.
• Calendar deadlines (objections, reaffirmations).

Post-Filing Tasks

• Handle reaffirmation agreements (draft, send to creditor, follow up, e-file).
• File amendments to schedules as needed.
• Track deadlines for:
  - Avoidance of garnishments
  - Trustee requests
  - Debtor education certificate

Case Management & Closing

• Update clients on discharge timelines.
• Monitor docket for any creditor objections or trustee motions.
• Close cases internally and ensure all documents are properly stored.

• Guided clients through the full mortgage process, from pre-qualification to closing, by reviewing credit, income, assets, and overall financial readiness.
• Compared loan products across multiple lenders to secure competitive rates and programs tailored to each borrower’s profile.
• Collected, organized, and analyzed all necessary documentation (paystubs, tax returns, bank statements, W-2s, etc.) to complete loan applications accurately.
• Submitted loan files to lenders and worked directly with underwriters to clear conditions and maintain compliance with lending guidelines.
• Prepared and reviewed Loan Estimates, Closing Disclosures, and other required disclosures with clients to ensure understanding and transparency.
• Assisted borrowers with Letters of Explanation, credit improvement strategies, and down-payment assistance programs when applicable.
• Coordinated communication between borrowers, lenders, real estate agents, title companies, and appraisers to maintain timelines and support smooth closings.
• Managed multiple active loan pipelines at once, tracking deadlines for rate locks, appraisals, underwriting conditions, and closing dates.
• Advised clients on loan types (Conventional, FHA, VA, USDA), interest rate options, and mortgage terminology to support informed decisions.
• Ensured all loan documents were accurate, complete, and compliant with federal, state, and lender-specific regulations.

• Assessed borrowers’ financial profiles by reviewing credit, income, assets, employment, and debt to determine loan eligibility and pre-approval amounts.
• Completed and submitted 1003 mortgage applications while ensuring accuracy and compliance with lending and federal regulations.
• Matched borrowers with suitable loan products (Conventional, FHA, VA, USDA, Jumbo, refinance options) based on their financial situation and long-term goals.
• Collected, verified, and organized required documentation including paystubs, tax returns, bank statements, W-2s, and identification.
• Collaborated with processors and underwriters to clear loan conditions, resolve discrepancies, and maintain file accuracy under Fannie Mae, Freddie Mac, and FHA guidelines.
• Provided clear explanations of interest rates, APR, PMI, down payment requirements, and closing costs to help borrowers understand their loan terms.
• Issued pre-approval letters and adjusted qualification amounts as needed to support real estate agents and borrowers during the home-buying process.
• Managed the loan pipeline by tracking deadlines for rate locks, appraisals, underwriting conditions, and closing dates.
• Communicated regularly with borrowers, real estate agents, title companies, and internal departments to maintain smooth, on-time closings.
• Delivered Loan Estimates and Closing Disclosures, ensuring compliance with TRID, RESPA, and TILA timelines.
• Built and maintained referral relationships with real estate agents, financial professionals, and community partners to generate new business.
• Assisted borrowers with credit improvements, budgeting guidance, and Letters of Explanation to meet underwriting requirements.

• Ensured full compliance with TRID, TILA, RESPA, and ECOA timelines by monitoring application dates, disclosure deadlines, and borrower acknowledgement requirements.
• Verified accuracy of loan data, fees, APR calculations, and loan terms before issuing disclosures, minimizing compliance defects and audit findings.
• Coordinated with loan officers, processors, underwriters, and title companies to obtain updated fees, rate lock information, and required documentation for accurate disclosure generation.
• Managed redisclosures triggered by loan changes (rate lock, APR shifts, program changes, fee adjustments), ensuring all revisions met regulatory timing requirements.
• Uploaded and tracked all disclosure documents within the loan origination system , maintaining complete and audit-ready electronic files.
• Reviewed third-party fees from title, appraisal, and credit vendors to ensure compliance with allowable tolerance thresholds under TRID.
• Issued and balanced final Closing Disclosures in coordination with title/escrow companies to ensure accuracy prior to closing.
• Monitored and resolved disclosure defects, curing timing or fee variances when required and communicating corrections to internal teams.
• Assisted with internal and external audits by providing complete disclosure histories and supporting documentation.