Ashley Henderson
Hanover,MN
Summary
Detail-oriented professional seeking to utilize 7+ years of loan processing experience in a data analysis role. Skilled in verifying documentation, ensuring regulatory compliance, and evaluating loan applications. Motivated to apply analytical abilities to uncover insights, spot trends, and support business decisions. Proficient with Excel and experience manipulating large data sets to generate reports. Passionate about using data to optimize processes and drive continuous improvement. Bring expertise in financial analysis, documentation review, and proven problem-solving skills. Eager to take on new challenges in data analyst position and contribute to business growth through analytical excellence.
Overview
11
11
years of professional experience
Work History
Sr. Mortgage Loan Processor
US Bank Home Mortgage
Bloomington, MN
06.2015 - 02.2024
- Act as a liaison between borrower, underwriter, loan originator, lender, title company,and real estate agent/builder
- Resolved document discrepancies with customers in order to complete loan applications accurately.
- Provided guidance to Loan Officers on complex loan products or processes.
- Processed loan modification requests from borrowers in accordance with government guidelines.
- Prepared loan packages for underwriting, including ordering title reports, credit reports, appraisals, verifications of employment and other documentation as required.
- Provide customer with timely and periodic status updates of their loan application
- Collect required documentation from applicants and follow up on missing items
- Establish, maintain, and update files, databases, records and/or other documents for recurring internal reports
- Compile documents for customer files and enter intakes to Data Management System for processing and assessment
- Ensure that all customer files are complete and in compliance with regulatory agencies and internal policies
- Ensure customer privacy, security of files appropriate staff access
- Prepare commitment letter(s), denial letter(s), and cancel files when necessary
- Actively monitored the daily pipeline to ensure timely closings of loans in process.
- Interpreted mortgage regulations regarding income calculations, debt-to-income ratios and other lending criteria.
- Analyzed applicant financial status, credit history and property appraisal to determine feasibility of granting loans.
- Coordinated funding of approved loans with closing agents and investors.
- Reviewed and verified loan documents to ensure accuracy and compliance with company policies and procedures.
Business Development Executive
THE RIGHT STAFF
Minneapolis, MN
01.2019 - 11.2019
- Responsible for development of full cycle recruitment of candidates to fulfill client staffing requirements and needs
- Use of various prospecting techniques such as online advertising, social media, and traditional recruitment methods to develop an effective candidate pipeline
- Partner with hiring managers and directors to understand client needs, determine staffing requirements, and negotiate offers
- Develop growth strategy with focus on financial gains and customer satisfaction
- Recruitment techniques structured in research and identification of new markets and client needs
- Cold calling techniques for engagement with prospective clients
- Promotion of company’s products and services that address or predict client’s objectives
- Preparation of sales contracts adhering to law-established rules and guidelines
- Maintenance of records of sales, revenue, invoices, etc
- Provide trustworthy feedback and after sales support
- Building and maintaining long-term relationships with new and existing customers
- Development of entry level staff into valuable salespeople
- Conduct 100+ follow-ups a week and over 100 marketing drops B2B
- Maintain monthly email blasts based off prospect list and current client list of 500 – 100 qualified prospects and clients
- Attend lunch and coffee meetings, conduct personal, professional, and civic networking opportunities.
- Negotiated contracts with clients for new business development initiatives.
- Organized trade shows, conferences and other events to promote the brand image of the organization.
- Analyzed competitor activities in order to understand industry trends and dynamics.
- Provided support in developing promotional materials such as brochures, flyers.
- Maintained a database of contacts from prospective clients for future follow-ups.
- Drafted proposals for potential customers outlining terms of service agreements.
Licensed Resident Insurance Producer
Family Heritage Life Insurance Company of America
Plymouth, MN
09.2018 - 01.2019
- Specialized in helping clients (individual and business) through choices of supplemental insurance options such as accident coverage, cancer coverage, and heart disease and stroke
- Outside sales offering individual and group supplemental plans
- B2B sales
- Networking and development of referral base
- Running a small business, self-employed as a licensed agent
- Top 10 Sales Agent for the month of November 2018
- Eagle award
- State of Minnesota License Number: 40599579.
- Developed and implemented marketing strategies to increase customer base.
- Prepared and presented proposals to potential clients outlining benefits of various insurance policies.
- Analyzed customer data to determine eligibility for discounts or special rates.
- Provided administrative support such as filing claims paperwork, preparing reports, and maintaining records.
- Coordinated with underwriting departments to secure approval for submitted applications.
- Attended seminars and workshops related to product knowledge and industry best practices.
- Maintained accurate documentation regarding sales activities, client meetings, and follow-up communications.
- Responded promptly to customer inquiries regarding policy coverage options, premium payments, claim status updates.
- Participated in weekly team meetings discussing performance metrics, challenges faced in the field.
- Explained coverage options to potential policyholders, answering questions or concerns.
Loan Processor/ Credit Specialist
All Wheels Financial
Minneapolis, MN
10.2013 - 06.2015
- Prepare, validate and process loan documentation
- Oversee all outstanding accounts and manage financial relationship with clients
- Validate insurance information to ensure customer compliance
- Coordinate with backside lenders and notate all data in NLS system
- Works independently requiring minimal assistance with standard and non-standard requests
- Ability to prioritize and organize work to meet agreed upon deadlines
- Works well with others, team player.
- Analyzed loan applications and supporting documents to determine eligibility for approval.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Maintained accurate records in computer database system during loan origination process.
- Verified accuracy of closing figures prior to disbursement of funds.
- Researched escalated problems related to loan processing activities.
- Adhered strictly to company policies when completing tasks associated with loan processing duties.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Filed completed packages quickly and efficiently.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Prepared reports for customers with delinquent and irreconcilable accounts.
- Monitored customer accounts to ensure compliance with contractual obligations and company policies.
- Ensured that all documents are filed accurately according to established procedures.
- Contacted customers to notify of delinquent payments and resolve.
- Reviewed accounts for signs of fraud and non-payment issues.
Medical Collector
Colltech INC.
Minneapolis, MN
01.2013 - 10.2013
- Adhere to FDCPA and HIPAA regulations
- Dealt heavily in healthcare insurance claims and processing
- Negotiated payment arrangements with delinquent customers in accordance with company policies and procedures.
- Conducted regular reviews of patient financial files for accuracy and completeness.
- Protected medical office operations and integrity by keeping patient information confidential.
- Self-driven position, over 150 accounts worked per day
- Experience working with Healthcare providers
- Excellent and accurate keyboarding while entering large volumes of data into software systems
- Researching, investigating, negotiating, processing, and adjusting claim payment option
- Reviewed and updated patient accounts to ensure accuracy of billing information.
- Verified insurance coverage for patients and obtained authorizations as necessary.
- Resolved rejected claims by researching errors and submitting corrections.
- Submitted claims electronically, via mail or fax, to third-party payers.
- Answered incoming calls from patients regarding billing inquiries.
- Followed up on unpaid claims in a timely manner while maintaining excellent customer service skills.
- Generated correspondence to patients regarding outstanding balances due.
- Accepted and processed customer payments and applied toward account balances.
- Recorded information about status of collection efforts.
- Arranged debt repayment or established schedules for repayment based on customer's financial situation.
Education
High School Diploma -
Waconia High School
06-2006
Some College (No Degree) - Business Administration And Accounting
Normandale Community College
Bloomington, MNSkills
- Ability to work with sensitive and confidential financial records
- Office skills, including Microsoft Office – WORD, EXCEL, and Outlook proficiency and 40WPM typing
- Oral And Written Communications
- Financial Ratio Calculation
- Document Evaluations
- Report Analysis
- Customer Records Analysis
- Financial Statements Expertise
- Operating Procedures
- Attention to Detail
- Data Analysis
- Data Validation
- Documentation Preparation
- Research And Due Diligence
- Self-driven, well organized, able to multi-task in a fast paced environment
- Dedicated Work Ethic
- Teamwork and Collaboration
- Financial Data Analysis
- Customer Service
- Appraisals
- Financial Assessment
- Reviewing financial paperwork
- Credit analysis
- Data Entry
- Sound Judgment
- Deadline Management
- Risk Management
Leadership Experience
Training and mentoring of other mortgage processors, collection representatives, and customer service representatives
References
Furnished Upon Request
Timeline
Business Development Executive
THE RIGHT STAFF
01.2019 - 11.2019
Licensed Resident Insurance Producer
Family Heritage Life Insurance Company of America
09.2018 - 01.2019
Sr. Mortgage Loan Processor
US Bank Home Mortgage
06.2015 - 02.2024
Loan Processor/ Credit Specialist
All Wheels Financial
10.2013 - 06.2015
Medical Collector
Colltech INC.
01.2013 - 10.2013
High School Diploma -
Waconia High School
Some College (No Degree) - Business Administration And Accounting
Normandale Community College
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