Summary
Overview
Work History
Education
Skills
Accomplishments
Software
Certification
Timeline
GeneralManager
Ashley Hertzler

Ashley Hertzler

Uderwriter
Thornton,CO

Summary

Skilled Underwriter specializing in mortgage, offering more than 16 year of experience to growing organizations. Proficient in assessing risk by reviewing appropriate documentation. Maintains a positive attitude in an ever-changing market.

Overview

15
15
years of professional experience
2
2
years of post-secondary education
4
4
Certifications

Work History

Underwriter III

LoanDepot
Remote, CO
03.2020 - 08.2022
  • Managed pipeline by determining credit decision on 3-4 Conventional, FHA, VA or Jumbo initial loans per day
  • Final approved 2-3 resubmissions per day
  • Maintain current knowledge of multiple loan programs and investor guidelines
  • Analyzed credit, income, compliance, title documents and appraisal to issue credit decisions
  • Calculate complex income scenarios using tax returns, profit and loss statements and financial statements
  • Effectively explain rational behind credit decision
  • Responsible for identifying or recommending alternative loan solutions to suspended loans.

Underwriter II

BOK financial
Denver, CO
10.2016 - 03.2020
  • Responsible for assessing risk on loans and making loan decision on Conventional and FHA loans
  • Calculated income for varying income sources from W2 borrowers to self-employed borrower with 1120, 1120S and 1065
  • Reviewed and cleared appraisals
  • Averaged 45 initials per month and 85 total file reviews.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
  • Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.

Mortgage Processor

BOK Financial
Denver, CO
08.2012 - 10.2016
  • Responsible for timely and accurate processing of mortgage loan files (Conventional, FHA, VA, and RD) according to established workflow.
  • Averaged 28 closed loans per month, goal was 20 loans.
  • Processed account paperwork, transfers and money movement for new business accounts.
  • Set up and completed loan submission packages.
  • Created strong working relationships with advisors, assistants and support staff.

Senior Foreclosure Analyst

Allonhill
Denver, CO
10.2011 - 08.2012
  • Reviewed active and completed foreclosure loan documents for accuracy and completeness averaged 4 reviews per day.
  • Conditioned for missing documents, corrected errors, and provided Q-score
  • Provided feedback to analyst to improve performance
  • Cleared trailing documents to accurately show foreclosure completed.
  • Evaluated foreclosure litigation paperwork, affidavits and post-sale documents.
  • Identified and researched any discrepancies in financial documents.

Eviction Coordinator

ServiceLink
Arvada, CO
09.2009 - 10.2011
  • Maintained portfolio of over 200 properties across all 50 states
  • Assisted to resolve litigated eviction matters
  • Negotiated cash-for-keys, lease or purchase options
  • Ensured broker and preservation crew attended lockout with Sheriff
  • Evaluated remaining personal property and posted/evicted depending on state regulations.

Asser Specialist

ServiceLink
Arvada, CO
11.2007 - 09.2009
  • Maintained portfolio of over 300 properties
  • Met timelines such as re-key within 24 hours and trash-out/lawn service within five days
  • Reviewed and approved appraisals and Broker Price Opinions
  • Approved bids for trash outs, mold remediation, lawn and pool service
  • Days from vacancy to list averaged 15 days goal was to be under 21 days.
  • Maximized rental income while minimizing expenses through effective planning and control.

Education

Associate of Arts -

Red Rocks Community College
Lakewood
08.2006 - 06.2008

Skills

Calculating RSU Income

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Accomplishments

  • Used Microsoft Excel to develop inventory tracking spreadsheets.
  • Created loss mitigation flow chart for company use.
  • Trained 8 underwriting interns and trainees.

Software

UAT Testing

Excel

SQL

Microsoft Office Suite

Certification

DE

Timeline

Bond Loan Authority

06-2022

SAR/LAPP

11-2021

Jumbo Loan Authority

02-2021

Underwriter III

LoanDepot
03.2020 - 08.2022

DE

04-2018

Underwriter II

BOK financial
10.2016 - 03.2020

Mortgage Processor

BOK Financial
08.2012 - 10.2016

Senior Foreclosure Analyst

Allonhill
10.2011 - 08.2012

Eviction Coordinator

ServiceLink
09.2009 - 10.2011

Asser Specialist

ServiceLink
11.2007 - 09.2009

Associate of Arts -

Red Rocks Community College
08.2006 - 06.2008
Ashley HertzlerUderwriter