UAT Testing
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
Complex self-employed income analysisManaging multiple Real Estate Owned
Risk management
Excellent Communication
Dependable and Responsible
Organization and Time Management
Analytical and Critical Thinking
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Created loss mitigation flow chart for company use.
- Trained 8 underwriting interns and trainees.
Software
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