Microsoft Office
Hi, I’m
ASHLEE S. BOUSQUET
Mortgage
Acworth,GA
Some people want it to happen, some wish it would happen, others make it happen.
Michael Jordan
Summary
A highly dedicated, experienced, and goal-oriented professional with over seven years' experience in the mortgage industry. Proficient in utilizing loan origination software, conducting credit and income assessments, and ensuring compliance with state regulations. Aiming to utilize my strong analytical skills, deep understanding of underwriting guidelines and commitment to providing exceptional customer service to effectively streamline the loan approval process. Genuinely enjoys positions which require extensive person to person contact. Takes immense pride in customer service and professional work ethic.
Overview
8
years of professional experience
1
Language
Work History
Affinity Home Lending The Waters Team
Mortgage Loan Partner
08.2023 - Current
Job overview
- Successfully managed approximately 25-30 loan applications monthly and front end tasks effectively to meet deadlines and maintain quality standards
- Determine income calculations, with working knowledge of credit reports, DTI and LTV ratios for issuing pre-approvals.Contributed to team success by consistently surpassing performance goals in application completions and underwriting 1-day clear to close.
- Identified potential issues with credit reports or property appraisals early in the process, addressing concerns promptly to avoid delays.
- Conducted regular pipeline reviews with loan officers to assess progress toward team goals and identify areas for improvement.
- Proficient in using Ellie Mae Encompass and Blink+ software tools to facilitate seamless communication between loan partners, borrowers, and underwriters, ultimately expediting the loan process.
- Reduced client wait-times and minimized instances of missing or incomplete documentation by implementing a thorough file review process prior to submission for underwriting approval.
- Contributed to the extensive network of referral partners and marketing campaigns to generate new mortgage loan opportunities.
Flagstar Bank
Sr. Loan Processor
06.2020 - 02.2023
Job overview
- Successfully processed a high-volume pipeline of 50+ Conventional, FHA, VA, HELOC & Refinance loan files in various states, closing 60% per month with a 95% accuracy rate.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Provided quick turnaround times to maintain fast-past schedule.
- Organized detailed records of completed loans for easy retrieval during audits or reviews.
- Expedited funding process by closely collaborating with closing agents to resolve any outstanding issues promptly.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Coordinated closing process with attorneys, title companies, and loan officers.
- Mentored new hires within the loan processing team, fostering a culture of knowledge sharing and improving team efficiency by 35%.
- Assisted loan officers with origination and closing processes to fast-track procedures and promote teamwork.
- Performed a thorough review and analysis of borrower's credit, income and assets, appraisals, title, and insurance information as required by loan product before submitting file to underwriting
- Ordered Flood Reports, Title Commitments, Appraisals, Condo and any other applicable documents.
- Requested and updated collateral insurance, including general liability, hazard, and flood insurance to ensure that all collateral is adequately covered
- Prepared and generated final loan documents for closing package, including loan payoff quotes as needed
- Consistently met or exceeded monthly performance metrics, contributing to overall team success in achieving departmental goals.
Heritage Bank
Loan Processor
06.2016 - 06.2020
Job overview
- Successfully organized and managed a pipeline of 30 or more active consumer, commercial and construction loan files closing 65-75% per month.
- Resolved complex issues related to borrower qualifications or property evaluations using critical thinking skills and detailed research.
- Coordinated effectively with third-party vendors such as appraisers or title companies for seamless transactions.
- Reduced loan processing time with effective communication between departments and clients.
- Contributed positively to a professional work environment by maintaining confidentiality of sensitive client information.
- Maintained accuracy in data entry, ensuring error-free loan applications for faster approvals.
- Developed strong relationships with clients, fostering trust and loyalty to retain business long term.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Provided quick turnaround times to maintain fast-past schedule.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Ordered Flood Reports, Title Commitments, Appraisals, UCC Searches, Environmental Reports, Condo and any other applicable documents.
- Requested and monitored collateral insurance, including general liability, hazard, and flood insurance to ensure that all collateral is adequately covered.
- Prepared and issued proper servicing disclosures and final loan package, including payoff quotes as needed to borrowers in accordance with consumer regulations
- Successfully disbursed loan proceeds through wire transfers, cashier checks, or internal account transfers with all closings
- Managed construction loan files including builder plans and specs, income verifications, assets, cost to build estimates, and site designs, along with disbursing construction DRAWS
- Efficiently scanned closed and funded loan packages into the electronic filing system.
Education
Ameritrain Mortgage Institute
20 Hour SAFE & Mortgage Origination Essentials
Temenos Compliance Services
Compliance I TRID: Issues and Solutions
Temenos Compliance Services
TRID An In-Depth Look at the Loan Estimate
Temenos Compliance Services
TRID An In-Depth Look at the CD
Temenos Compliance Services
TILA/RESPA Integrated Disclosures
Community Bankers of GA
Consumer Real Estate Lending by Small Banks
Community Bankers of GA
Mortgage Lending Start to Finish
Capstone Institute
Fundamentals of Loan Processing
Hard Skills
- Loan Program Knowledge: FHA, Conventional, VA, USDA, Non-QM, DSCR
- LOS: Encompass, LaserPro, Breeze, Blink+
- Loan Origination
- DU and LPA
- Regulatory Compliance: TRID, RESPA, HOEPA, ECOA, FCRA
- Loan Documentation Review
- Title and Appraisal Review
- Loan Closing Coordination
- CRM: Bonzo, SalesForce, MBS Highway
- Microsoft Office
Soft Skills
- Attention to detail
- Accuracy
- Organization
- Time Management
- Problem-Solving
- Effective Communication
- Customer Service
- Relationship Building
- Adaptability
- Flexibility
- Multitasking
- Teamwork
- Empathy
References
available upon request
Skills
- Administrative Management
- Verbal and Written Communication
- Business Management and Development
- Commercial Real Estate
- Teamwork and Collaboration
- Calyx Point
- Gathering Appraisals
- Contract Finalization
- Application Preparation
- Processing Loan Applications
- Legal Compliance
- Government Standards
- Financial Document Review
- Contacting Borrowers
- Information Verification
- Critical Thinking
- Government Lending
- Community Reinvestment Act
- Processing Procedures
- Professional Correspondence
- Wire Transfer
- Customer Interaction
- Settlement Statements
- Generating Reports
- Account Maintenance
- Lending Software Systems
- Desktop Underwriter
- Customer Satisfaction
- Home Mortgage Disclosure Act
- Financial Data Collection
- Bank Secrecy Act
- Income Verification
- Mortgage Closing Scheduling
- Title Abstracts
- Regulatory Compliance Documentation
- Loan Records Filing and Maintenance
- Funds Disbursement Application
- Mortgage Insurance Arrangement
- Closing Costs Calculation
- Microsoft Office
- Consumer Loan Underwriting
- Credit Applications
- Credit Bureau Contact
- Closing Documentation
- Real Estate Title Concepts
- Tax Receipts
- Underwriting Regulations
- Complex Problem-Solving
- Credit Reporting Software
- Retail Mortgages
- Principal, Interest and Payment Calculation
- Loan Paperwork
- Product Knowledge
- Loan File Review
- Property Appraisals
- Banking
- Loans
- Property Evaluation
- Organizational Strengths
- Issuance of CDs
- Team Player
- Equifax Application Engine
- Safe Act of 2008 Certification
- Underwriting Support
- Sales Pipeline Maintenance
- Excellent Time Management
- Customer Relationship Management
- Complete Loan Applications
- Knowledge of VA Loan Process
- Analytical and Critical Thinking
- FHA Loan Processes
- Oral and Written Comprehension
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Software
Encompass
LaserPro
Blink
Breeze
MBS Highway
Bonzo
Fiserv
EllieMae AIQ
FIS Horizon
Interests
Camping
Boating
Spending time with my family
Gardening
Crafting
Affiliations
- Mortgage Professionals Network
- Christian Professionals Worldwide
- American Bankers Association Group
- Mortgage Bank Network
Timeline
Mortgage Loan Partner
Affinity Home Lending The Waters Team
08.2023 - Current
Sr. Loan Processor
Flagstar Bank
06.2020 - 02.2023
Loan Processor
Heritage Bank
06.2016 - 06.2020
Ameritrain Mortgage Institute
20 Hour SAFE & Mortgage Origination Essentials
Temenos Compliance Services
Compliance I TRID: Issues and Solutions
Temenos Compliance Services
TRID An In-Depth Look at the Loan Estimate
Temenos Compliance Services
TRID An In-Depth Look at the CD
Temenos Compliance Services
TILA/RESPA Integrated Disclosures
Community Bankers of GA
Consumer Real Estate Lending by Small Banks
Community Bankers of GA
Mortgage Lending Start to Finish
Capstone Institute
Fundamentals of Loan Processing
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