Ashley Baumbusch
Louisville,KY
Summary
Professional with strong background in mortgage processing, skilled in evaluating financial documents, assessing loan applications, and ensuring compliance with industry standards. Adept at streamlining procedures to enhance efficiency and support team collaboration. Known for reliability and flexibility in meeting changing needs, with consistent focus on achieving results. Excellent communication and problem-solving abilities complement technical expertise in mortgage software and regulatory guidelines.
Overview
12
12
years of professional experience
Work History
Mortgage Loan Processor ( Builder Division)
Benchmark Mortgage
Louisville, KY
10.2020 - 10.2023
- Processed FHA, VA, Conventional, Bond, and USDA on purchase, refinance, and new construction loans
- Maintained pipeline of 30-40 loans and closed 15-22 loans monthly.
- Analyzed and reviewed all income, assets, credit, appraisals, subordinations, title commitments, homeowners’ insurance, flood insurance, mortgage insurance, and loan conditions for final approval
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants
- Responsible for communicating effectively to all parties involved to ensure closing dates were met, reduced rate lock extensions, escalations, unfavorable surveys, and unsatisfied customers
Mortgage Loan Specialist
Reliant Bank
Louisville, KY
06.2017 - 06.2020
- Reviewed all new loan application requests to ensure all required forms and/or documentation had been provided by borrower
- Managed loan pipeline and communicated status of loans to each principal party involved and identified red flags, as applicable, and offered solutions
- Assisted customers in understanding loan terms and conditions to make informed decision
- Developed systems to efficiently track loan documents and enhance accuracy
- Maintained pipeline of 20-30 loans and closed 14-20 loans per month.
Senior Mortgage Loan Processor
Franklin Synergy Bank
Franklin, TN
12.2016 - 06.2017
- Analyzed and reviewed all income, assets, credit, appraisals, subordinations, title commitments, homeowners/flood insurance, mortgage insurance, and loan conditions for final approval
- Understood and researched investor guidelines and stayed up to date in any and all program changes that effected processing or originating of loans in pipeline
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
- Submitted complete files to underwriting based on AUS requirements
- Closed 10-15 loans per month
Senior Mortgage Loan Processor
RP Funding Inc.
Jacksonville, FL
02.2016 - 08.2016
- Provided superior customer service to internal and external customers
- Ensured compliance with company policies, underwriting guidelines, and lending-program requirements
- Worked with customers via telephone and email to answer questions, process transactions, and resolve issues
- Maintained pipeline of 20-30 loans
Mortgage Loan Processor
PNC Mortgage
Jacksonville, FL
05.2015 - 02.2016
- Provided excellent customer service to borrowers, banking personnel, attorneys, third party vendors, and management staff
- Processed TRID/Non-TRID files for FHA, VA, Conventional, USDA, Government, Consumer Direct, and Harp-Streamline on purchase, refinance, and new construction loans
- Ensured completeness of mortgage loan documentation and met department service and quality standards
- Maintained pipeline of 40-50 loans and closed 15-20 loans per month.
Mortgage Loan Officer Assistant
PNC Mortgage
Louisville, KY
02.2012 - 05.2015
- Provided support to loan officers and processing team by ensuring timely, judicious and accurate collection of client loan documentation
- Effectively managed minimum of 20-30 loans in process while achieving cycle times and maintaining acceptable customer satisfaction levels
- Met all closing and commitment dates; coordinated with buyer, seller, title companies, and escrow agents to schedule loan closings
- Promoted to Loan Processor
Education
Associate of Arts - Liberal Arts And General Studies
Columbus State Community College
Columbus, OH2004
Skills
- Excellent communication and interpersonal skills
- Proficient in computer technologies including MS Office, Windows, Excel, Word, PowerPoint, Outlook, Adobe Acrobat, Encompass, and various internal software programs
- Knowledge of FHA, VA, USDA, Bond, and Conventional loan programs
- Experience with DU and LP
- Exemplary multi-tasking/organizational skills
- Detail-oriented
- Excellent time management skills
- Critical Thinking
- Active Listening
- Problem-Solving Ability/resolve customer issues
- Data Entry
Timeline
Mortgage Loan Processor ( Builder Division)
Benchmark Mortgage
10.2020 - 10.2023
Mortgage Loan Specialist
Reliant Bank
06.2017 - 06.2020
Senior Mortgage Loan Processor
Franklin Synergy Bank
12.2016 - 06.2017
Senior Mortgage Loan Processor
RP Funding Inc.
02.2016 - 08.2016
Mortgage Loan Processor
PNC Mortgage
05.2015 - 02.2016
Mortgage Loan Officer Assistant
PNC Mortgage
02.2012 - 05.2015
Associate of Arts - Liberal Arts And General Studies
Columbus State Community College
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