Ashley Guthrie
Rocky Mount,NC
Summary
Detail-oriented and highly skilled Mortgage Closing & Compliance Professional with extensive experience in reviewing and closing FHA, Conventional, and Construction loans. Adept at ensuring TRID, HMDA, and investor guideline compliance, with a strong ability to analyze loan documentation, prepare closing disclosures, and facilitate seamless funding processes. Known for exceptional attention to detail, problem-solving, and collaboration with lenders, title companies, and borrowers to ensure smooth and accurate closings. Proficient in loan origination systems (LOS) and mortgage industry best practices.
Overview
14
14
years of professional experience
Work History
Project Support Specialist (Contractor for Pfizer)
MCA Services
10.2024 - Current
- Process purchase orders, resolve invoice issues, enhance project efficiency, ensure compliance
- Coordinate training for new hires, streamline onboarding, improve team integration
- Facilitate accounts payable communication, address invoicing challenges, optimize vendor payments
- Maintain accurate badge records, ensure security, support operational excellence
- Provide comprehensive admin support, drive project success, optimize purchase order processing
Project Support Specialist (Contractor for Pfizer)
Industrial Automated Systems
06.2024 - 10.2024
- Reviewed and processed purchase orders, improving efficiency and reducing errors
- Facilitated purchase order approval, enhancing workflow and collaboration
- Resolved purchase and invoicing issues, ensuring seamless project execution
- Trained contractors and new staff, fostering a knowledgeable and competent team
Mortgage Loan Closer
First National Bank
03.2021 - 06.2024
- Prepared legal documents required to close residential mortgage loans
- Communicated and requested information required from the closing agent in order to complete the final closing disclosure
- Reviewed and closed FHA, USDA, Conventional, and Construction loans, ensuring compliance with investor and regulatory guidelines
- Performed the initial escrow analysis using information contained on the tax and insurance information sheet
- Monitored the system for consent of electronic delivery, disclosure timing, waiting periods and redisclosures as necessary to adhere to TRID regulatory requirements
- Streamlined mortgage loan closing processes while ensuring TRID compliance, managing escrow analyses, and coordinating with closing agents to maintain accurate documentation
- Led end-to-end mortgage closing operations, implementing efficient document management systems and maintaining strict adherence to federal guidelines
Mortgage Closer
Southern Bank
09.2020 - 03.2021
- Ensured preliminary closing disclosures were disclosed in a timely manner following TRID guidelines
- Prepared and reviewed loan closing packages for purchases, refinances and modifications
- Ensured all closings complied with state and federal guidelines
- Reviewed purchase contracts, title commitments, title invoices and attorneys preliminary closing disclosures
- Conducted thorough analysis of title commitments and purchase contracts, identifying potential issues before closing to minimize delays and risks
Retail Lending Fulfillment Specialist III / UCC Monitoring
BB&T Bank
06.2014 - 09.2020
- Developed knowledge of compliance, legal, and documentation requirements, including those specific to state laws
- Analyzed and verified income, collateral valuations, proof of insurance, flood certifications, ownership documentation, and payoff statements
- Monitored and maintained lien position by recording, amending, and continuing Uniform Commercial Code filings
- Mitigated risk by renewing UCC liens prior to expiration
- Ensured lien perfection in accordance with Article 9 of the Uniform Commercial Code
- Streamlined UCC filing processes and maintained regulatory compliance while monitoring lien positions for commercial lending portfolios
Senior Loan Support Specialist
PNC Bank
12.2010 - 06.2014
- Processed HEIL and HELOC applications through loan origination software (LOS), ensuring accuracy, compliance, and timely approval
- Streamlined loan processing workflow by evaluating LTV ratios, credit scores, and appraisal values to determine optimal loan structures and risk assessment
- Proactively requested and verified required information, including title commitments, insurance policies, payoff statements, and escrow details, to ensure seamless and compliant real estate closings
- Cross-sold checking accounts and real estate loan applications, driving customer engagement and financial product adoption
Education
B.S. - Business Administration
Western Governors University
09.2027
Associate in Applied Science Degree - Web Technology
Nash Community College
05.2008
Skills
Encompass Software
TRID Compliance
Mortgage Loan Closing & Funding
Loan Review & Quality Control
Loan Auditing & Compliance Review
Closing Disclosure (CD) Preparation & Review
Escrow & Title Coordination
Project Management
Training
Microsoft Office 365
QuickBooks
Adobe Photoshop
GMP
UCC Filing
Analytical Thinking
Workflow Optimization
Cross-Functional Collaboration
Quality Assurance
Timeline
Project Support Specialist (Contractor for Pfizer)
MCA Services
10.2024 - Current
Project Support Specialist (Contractor for Pfizer)
Industrial Automated Systems
06.2024 - 10.2024
Mortgage Loan Closer
First National Bank
03.2021 - 06.2024
Mortgage Closer
Southern Bank
09.2020 - 03.2021
Retail Lending Fulfillment Specialist III / UCC Monitoring
BB&T Bank
06.2014 - 09.2020
Senior Loan Support Specialist
PNC Bank
12.2010 - 06.2014
Associate in Applied Science Degree - Web Technology
Nash Community College
B.S. - Business Administration
Western Governors University
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