ASHLEY Carnahan
Hendersonville,TN
Summary
Creative Content Creator with eye for detail and passion for crafting stories. Skilled in utilizing new techniques and keeping up with latest trends in writing. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
10
10
years of professional experience
Work History
Social Media Content Creator
Freelance
07.2023 - Current
- Managed content across multiple platforms for widest audience reach.
- Organized, prioritized and managed multiple projects according to dedicated release schedule.
- Developed in-depth understanding of digital and mobile marketing practices and media.
- Promoted and marketed works through social media platforms.
- Produced original, creative content for promotional advertisements and marketing materials.
- Created content for websites and online publications.
- Customized brand message to reach and capture target audience interest and drive engagement.
- Studied and commented on current news and trends.
- Chose cover photography or artwork, selected fonts and arranged designs to attract target readership.
- Wrote advertising material for use by publication, broadcast or internet media to promote sale of goods and services.
- Edited and proofread drafts of articles and other documents.
Mortgage Loan Officer Assistant
Movement Mortgage, Indian
09.2021 - 01.2023
- Obtained my individual NMLS License
- Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress
- Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base
- Worked with Loan Officer to create application profile in system and review key information at various stages within process
- Assisted with timely loan closing and funding activities with efficient management of task checklists
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps
- Set up files using loan officer checklist and submitted on-time for processing
- Assessed loan compliance to meet mortgage lending laws and regulations.
Mortgage Underwriter
Caliber Home Loans
01.2021 - 07.2021
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status
- Verified integrity of applicants' information to minimize fraud
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA
- Worked with processing team members to communicate errors and obtain missing information for current applications
- Recommended loan approvals and denials based on customer loan application reviews
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process
- Spoke with brokers to communicate the loan file, conditions,!income and overall status of the loan
- Reviewed all appraisals including all appraisal types.
Mortgage Loan Processor
Draper And Kramer Mortgage Corp
09.2020 - 01.2021
- Set up and completed loan submission packages
- Responsible for ordering Tax Transcripts, SSA-89 verifications and also ordering CondoPak for our Project Review team
- Maintained strict confidentiality of bank records and client information
- Submitted loan applications to underwriter for verification and recommendations
- Maintained friendly and professional customer interactions
- Reviewed financial statements and contacted institutions and customers to clarify details
- Handled any conditions sent from underwriting departments
- Worked with underwriters to fix application problems and resolve issues
- Consulted with outside vendors to identify and resolve loan closing issues
- Prepared documents for underwriting by verifying client income, credit reports and other information
- Provided quick turnaround times to maintain fast-past schedule
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
Real Estate Loan Processor
USAA Real Estate Company
01.2020 - 09.2020
- Under limited supervision, performs all processing, decision, and pre-closing tasks required to assemble a loan from point of application to submission
- Processes VA, Conventional and/or Home Equity loan requests and verifies accuracy of documents received
- Serves as a resource to less experienced team members and may assist with member escalated issues
- May respond to member and third-party inquiries keep appropriate parties informed of loan status and meets service level objectives in the areas of member satisfaction, speed, and efficiency of file delivery to completing mortgage applications
- Initiates follow-up phone calls to applicants and third parties to obtain necessary loan documentation, title and/or collateral information
- Ensures all required documentation is in compliance with state and federal regulations
- Contacts credit bureaus, employers, and other sources in order to check applicants' credit and personal references
- Analyzes financial and credit data to determine the acceptability of the loan risk in support of bank, investor, and regulatory policies
- Received and reviewed incoming documents and materials
- Researched and resolved discrepancies to maintain accuracy
- Evaluated approvals against established bank and government lending standards
- Coordinated closing process with attorneys, title companies and government clerks.
Mortgage Loan Processor
Bank Of America
04.2019 - 01.2020
- Processes approved loans from the underwriters and automated systems for our First Mortgage Line of Business
- Consistently works in a fast paced environment meeting deadlines
- Manages time effectively while verifying conditions of approval which may include clients income or assets documentation and routine title issues
- Continues building and deepening relationships by providing customer delight to our clients and partners by being proactive in communication.
HE Home Service Specialist
Bank Of America
01.2018 - 04.2019
- Responsible for the initial underwriting review of Home Equity applications
- Reviewd and calculated all income, assets and collateral
- Consistently working in a fast paced environment to meet deadlines
- Successfully processed applications with an average pipeline of 25-30 loans
- Reviewed each application to ensure accuracy of customer information and meeting bank guidelines for approval
- Maintained effective and positive communication with our production team and internal partners.
Senior Claims Analyst II
Bank Of America
10.2016 - 01.2018
- Handled complex calls for Check Fraud and Digital Fraud
- Completed routine and complex account maintenance and claims processing while providing world class customer service that exceeds client standards
- Ensured compliance with all industry regulations
- Assisted our clients with basic accounting maintenance to include understanding the overall process of online banking, check processing and how to avoid fees.
Claims Analyst II
Bank Of America
04.2014 - 10.2016
- Responsible for handling all new and existing fraud and non-fraud ATM, ACH, and debit card claims resolution
- Performed routine and non-routine account maintenance and service for all Small Business and Consumer Deposit Customers
- Deepened customer relationships by offering solutions to issues while resolving complex issues through claims servicing
- Consistently exceeded monthly goals
- Awarded top performer out of all U.S
- Sites in 2016.
Assistant Store Manager
Chico's FAS Inc
08.2013 - 04.2014
- Managed opening and closing procedures and recommended changes to enhance efficiency of daily activities
- Trained and managed associates in customer service and sales techniques
- Assisted Manager in interview process of prospective employees and provided feedback
- Verified inventory counts remained within monthly tolerance levels and compiled financial data in compliance with budget
- Onboarded new employees, including training, mentoring and new hire documentation
- Supervised associates by providing direction and instruction for stocking shelves, rotating stock and receiving deliveries
- Monitored security and handled incidents calmly
- Coached team on effective upselling and cross-selling methods.
Education
The Aveda Institute
2008
Skills
- Video Editing
- Content Curation
- Brand Consistency
- Editing
- Streaming Media
- Research
- Search Engine Optimization Practices
- Design Collaborating
- Content Scheduling
- Social Media Marketing
- Concept Development
- Microsoft Office
- Promotional Video Development
Additional Information
- ACCOMPLISHMENTS , Awarded Top Performer out of all U.S. sites in 2016 for claims processing
Timeline
Social Media Content Creator
Freelance
07.2023 - Current
Mortgage Loan Officer Assistant
Movement Mortgage, Indian
09.2021 - 01.2023
Mortgage Underwriter
Caliber Home Loans
01.2021 - 07.2021
Mortgage Loan Processor
Draper And Kramer Mortgage Corp
09.2020 - 01.2021
Real Estate Loan Processor
USAA Real Estate Company
01.2020 - 09.2020
Mortgage Loan Processor
Bank Of America
04.2019 - 01.2020
HE Home Service Specialist
Bank Of America
01.2018 - 04.2019
Senior Claims Analyst II
Bank Of America
10.2016 - 01.2018
Claims Analyst II
Bank Of America
04.2014 - 10.2016
Assistant Store Manager
Chico's FAS Inc
08.2013 - 04.2014
The Aveda Institute