Ashley Jernigan
Beechgrove ,TN
Summary
Results-driven Mortgage Underwriter with expertise in credit analysis, loan evaluation, and risk assessment. Proven ability to ensure compliance with residential mortgage lending regulations while enhancing operational efficiency.
Overview
17
17
years of professional experience
Work History
Mortgage Underwriter
Ascend
Murfreesboro , TN
07.2018 - Current
- Guided and mentored mortgage team members, enhancing overall knowledge and consistency.
- Trained junior underwriters on best practices and company procedures to ensure operational efficiency.
- Held approval authority for loans up to $1,029,250.
- Evaluated mortgage applications for adherence to underwriting guidelines.
- Analyzed financial documents, including tax returns, bank statements, pay stubs, and credit reports.
- Assessed applicant assets and credit history to determine repayment capacity.
- Maintained current knowledge of evolving lending regulations and guidelines.
Indirect Lending Underwriter
Ascend
Tullahoma , TN
07.2016 - 07.2018
- Verified accuracy of income statements, tax returns, bank statements and other documents to ensure compliance with lending standards.
- Reviewed and evaluated loan applications to determine creditworthiness, assessing risk and eligibility for approval.
- Collaborated with lenders, brokers, and external partners to facilitate smooth transaction processes.
Sales Agent
Farmers Insurance
Tullahoma, TN
11.2013 - 07.2016
- Assisted clients in selecting appropriate insurance policies for their needs.
- Conducted policy reviews to ensure comprehensive coverage and client satisfaction.
- Educated clients on insurance products, benefits, and claims processes.
- Developed and maintained strong relationships with clients for ongoing support.
Mortgage Compliance
American City Bank
Tullahoma, Tennessee
07.2009 - 10.2013
- Evaluated loan applications to ensure compliance with regulatory standards.
- Maintained up-to-date knowledge of lending regulations to ensure compliance and mitigate risk.
- Assisted in developing underwriting guidelines that improved accuracy and streamlined processes.
- Reviewed property appraisals, ensuring accurate loan eligibility and value assessments.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Issued clear written conditions for approval of mortgage loans.
Education
BBA - Finance And Economics
MTSU
Murfreesboro, TN05-2004
Skills
- Credit analysis
- Loan evaluation
- Risk assessment
- Mortgage lending regulations
- Financial analysis
- Problem solving
- Multitasking capacity
Timeline
Mortgage Underwriter
Ascend
07.2018 - Current
Indirect Lending Underwriter
Ascend
07.2016 - 07.2018
Sales Agent
Farmers Insurance
11.2013 - 07.2016
Mortgage Compliance
American City Bank
07.2009 - 10.2013
BBA - Finance And Economics
MTSU