Ashley Joseph
Cypress,TX
Summary
Results-oriented mortgage professional with 10+ years of experience in high-volume lending environments. Expert in Closing Disclosure (CD) preparation, Loan Origination System (LOS) navigation, and rigorous Compliance Verification. Dedicated to simplifying the home-buying and refinancing lifecycle through accurate property tax verification and adherence to investor guidelines.
Overview
10
10
years of professional experience
Work History
Mortgage Loan Closer
CREDIT HUMAN FEDERAL CREDIT UNION
NEW ORLEANS, LA
05.2025 - Current
- Prepares and oversees the final stages of the mortgage loan process, ensuring a seamless real estate transaction lifecycle for all borrowers.
- Verifies and executes Closing Disclosure (CD) preparation, ensuring 100% accuracy in financial figures and compliance with RESPA/TILA regulations.
- Reviews and validates property tax verification and insurance forms review to ensure all escrow requirements meet strict investor guidelines.
- Navigates complex Loan Origination System (LOS) environments to maintain real-time compliance verification before the final disbursement of funds.
Mortgage Loan Processor
AMERISAVE MORTGAGE
REMOTE
08.2024 - 05.2025
- Prepares complex loan files for underwriting by managing the full real estate transaction lifecycle from application through Closing Disclosure preparation.
- Verifies all financial documentation through advanced LOS navigation, maintaining a high standard for data integrity and investor guidelines adherence.
- Reviews title abstract review findings and verifies property tax assessments to ensure lien position and collateral integrity meet investor guidelines.
- Verifies insurance forms review and compliance verification protocols to maintain high-quality loan manufacturing standards.
- Reviews title abstract review reports and property appraisals to identify and resolve potential roadblocks in the real estate transaction lifecycle.
- Prepares comprehensive loan packages by verifying insurance forms, property tax data, and third-party invoices for compliance verification.
- Utilizes Microsoft Office tools to track underwriting conditions and ensure all documentation meets federal and state lending regulations.
- Navigates LOS platforms to streamline documentation collection and borrower communication.
Senior Universal Banker
B1 BANK
METAIRIE, LA
03.2024 - 08.2024
- Reviews customer financial needs for personal and business real estate transactions, providing guidance on mortgage products and closing requirements.
- Prepares detailed daily branch operation reports using Microsoft Office to ensure accurate records of all financial transactions and deposit activities.
- Verifies account documentation and transaction history to maintain institutional compliance and customer satisfaction benchmarks.
Senior Universal Banker
Hancock Whitney Bank
METAIRIE, LA
12.2023 - 03.2024
- Led customer engagement initiatives to enhance service delivery and client satisfaction.
- Mentored junior bankers, fostering skill development and improving team performance.
- Streamlined account opening processes, reducing turnaround time for new customers.
- Analyzed customer needs to recommend tailored banking solutions, increasing product uptake.
Loan Processor
MORGAN STANLEY HOME LOANS
COPPELL, TX
12.2018 - 11.2023
- Prepares complex loan files for underwriting by managing the full real estate transaction lifecycle from application through Closing Disclosure preparation.
- Verifies all financial documentation through advanced LOS navigation, maintaining a high standard for data integrity and investor guidelines adherence.
- Reviews title abstract review findings and verifies property tax assessments to ensure lien position and collateral integrity meet investor guidelines.
- Verifies insurance forms review and compliance verification protocols to maintain high-quality loan manufacturing standards.
- Reviews title abstract review reports and property appraisals to identify and resolve potential roadblocks in the real estate transaction lifecycle.
- Prepares comprehensive loan packages by verifying insurance forms, property tax data, and third-party invoices for compliance verification.
- Utilizes Microsoft Office tools to track underwriting conditions and ensure all documentation meets federal and state lending regulations.
- Navigates LOS platforms to streamline documentation collection and borrower communication.repares complex loan files for underwriting by managing the full real estate transaction lifecycle from application through Closing Disclosure preparation.
- Verifies all financial documentation through advanced LOS navigation, maintaining a high standard for data integrity and investor guidelines adherence.
- Reviews title abstract review findings and verifies property tax assessments to ensure lien position and collateral integrity meet investor guidelines.
- Verifies insurance forms review and compliance verification protocols to maintain high-quality loan manufacturing standards.
- Navigates LOS platforms to streamline documentation collection and borrower communication, increasing throughput by 15%.
Loan Processor
Caliber Home Loans
COPPELL, TX
09.2016 - 07.2018
- Prepares complex loan files for underwriting by managing the full real estate transaction lifecycle from application through Closing Disclosure preparation.
- Verifies all financial documentation through advanced LOS navigation, maintaining a high standard for data integrity and investor guidelines adherence.
- Reviews title abstract review findings and verifies property tax assessments to ensure lien position and collateral integrity meet investor guidelines.
- Verifies insurance forms review and compliance verification protocols to maintain high-quality loan manufacturing standards.
- Reviews title abstract review reports and property appraisals to identify and resolve potential roadblocks in the real estate transaction lifecycle.
- Prepares comprehensive loan packages by verifying insurance forms, property tax data, and third-party invoices for compliance verification.
- Utilizes Microsoft Office tools to track underwriting conditions and ensure all documentation meets federal and state lending regulations.
- Navigates LOS platforms to streamline documentation collection and borrower communication.
Education
Business and Management with Real Estate Concentration in Business and Management
DELGADO COMMUNITY COLLEGE
New Orleans, LABusiness Management in Business Management
COLLIN COMMUNITY COLLEGE
McKinney, TXSkills
- Core Mortgage Competencies: Closing Disclosure (CD) preparation, Property Tax Verification, Insurance Forms Review, Title Abstract Review, Investor Guidelines adherence, Compliance Verification, Real Estate Transaction lifecycle
- Systems & Technology: Loan Origination System (LOS) navigation, Encompass, Mortgage Cadence (ELC), Equator, Microsoft Office Suite, EDGE Applications, Host Applications
- Technical Knowledge: Conventional Mortgages, FHA Mortgages, VA Mortgages, Home Equity Lines of Credit, Tri-Merge Credit Report Analysis, Underwriting Support, Auditing Research
Timeline
Mortgage Loan Closer
CREDIT HUMAN FEDERAL CREDIT UNION
05.2025 - Current
Mortgage Loan Processor
AMERISAVE MORTGAGE
08.2024 - 05.2025
Senior Universal Banker
B1 BANK
03.2024 - 08.2024
Senior Universal Banker
Hancock Whitney Bank
12.2023 - 03.2024
Loan Processor
MORGAN STANLEY HOME LOANS
12.2018 - 11.2023
Loan Processor
Caliber Home Loans
09.2016 - 07.2018
Business and Management with Real Estate Concentration in Business and Management
DELGADO COMMUNITY COLLEGE
Business Management in Business Management
COLLIN COMMUNITY COLLEGE