ASHLEY MONTEMAYOR
Mortgage Branch Manger
McAllen,TX
Summary
Dedicated and results-oriented professional seeking a challenging role with a stable and dynamic company poised for growth. Bringing 8 years of extensive experience in financial services, with a proven track record as a Branch Manager. Proficient in all aspects of branch management, adept at promoting and marketing branch products, and skilled in strategic allocation of funds. Possessing a strong understanding of banking regulations, I am committed to ensuring compliance while fostering a friendly and sales-driven environment. Passionate about promoting and maximizing sales opportunities to drive overall success.
Overview
9
9
years of professional experience
Work History
MORTGAGE BRANCH MANAGER
SouthWest Funding LP
12.2021 - Current
- Enhanced customer retention and expanded client base through strategic relationship management and referral programs, driving branch growth.
- Effectively supervised processors and loan officers to ensure seamless operations and maintain high-quality service standards.
- Demonstrated proficiency in overseeing day-to-day branch operations, optimizing efficiency and productivity
- Administered payroll responsibilities for a team of 1-5 employees with precision and accuracy.
DE UNDERWRITER/ LOAN ORIGINATOR
Lone Star National Bank
02.2020 - 12.2021
- Reviewed assets, income, and debts to evaluate client financial status and assess liability risk accurately.
- Collected comprehensive data including credit reports to pre-qualify clients, furnishing essential pricing details promptly.
- Conducted thorough analysis of applicants' financial standing, credit profiles, and property evaluations to ascertain loan feasibility.
- Proficient in processing various loan types including Conventional, FHA, VA, USDA, and Jumbo loans.
- Utilized Encompass system to efficiently evaluate loan applications, meticulously scrutinizing income documentation to recommend optimal programs for clients.
LICENSED LOAN ORIGINATOR
Cabrales Mortgage - Edinburg, TX
10.2019 - 02.2020
- Ensured swift application approval turnaround times, maintaining a high-paced schedule while consistently delivering satisfactory results.
- Efficiently managed loan files, meticulously updated databases, and facilitated smooth communication with stakeholders through general correspondence.
- Engaged clients in meaningful discussions regarding their loan needs and financial histories, offering clear guidance on application processes and requirements.
LICENSED LOAN ORIGINATOR ASSISTANT
Cornerstone Home Lending - Edinburg, TX
11.2016 - 10.2019
- Provided support to loan officer and underwriter teams, ensuring the prompt, prudent, and precise processing of loans.
- Demonstrated adept organizational skills in managing loan files, updating databases, preparing general correspondence, and effectively communicating with stakeholders.
- Utilized Loan Soft System to manage weekly pipeline reports, ensuring timely closure of files, and facilitated bond registration processes such as TSHAC/TDHCA.
- Assisted potential customers by offering guidance and ensuring the accuracy of documents throughout the loan application process, including disclosure checks and income reviews.
- Coordinated meetings and efficiently handled administrative tasks, including pulling loan applications and preparing files in the internal system.
MORTGAGE LOAN PROCESSOR
International Bank
08.2015 - 11.2016
- Reviewed collected financial documents to ensure alignment with underwriter requirements for acceptance.
- Conducted thorough analysis of credit reports to provide comprehensive insights to the underwriting process.
- Managed pipeline calls efficiently, including preparing potential loan files for underwriting, arranging loan disclosures, and ensuring compliance with regulatory requirements.
- Implemented a monthly audit 'sweep' to ensure loan files remained compliant, coordinating the retrieval of necessary documents such as transcripts, verifications, surveys, titles, and appraisals.
Education
In Progress -
The University of Texas Rio Grande Valley
Edinburg, TX 05.2001 -
Skills
Loan File Review
Income Evaluation
Analytical and Critical Thinking
Data Entry
Application Review
Complex Problem Solving
Financial History Analysis
Analyzing Data
Debt and Credit Management
Loan Processing Coordination
Timeline
MORTGAGE BRANCH MANAGER
SouthWest Funding LP
12.2021 - Current
DE UNDERWRITER/ LOAN ORIGINATOR
Lone Star National Bank
02.2020 - 12.2021
LICENSED LOAN ORIGINATOR
Cabrales Mortgage - Edinburg, TX
10.2019 - 02.2020
LICENSED LOAN ORIGINATOR ASSISTANT
Cornerstone Home Lending - Edinburg, TX
11.2016 - 10.2019
MORTGAGE LOAN PROCESSOR
International Bank
08.2015 - 11.2016
In Progress -
The University of Texas Rio Grande Valley
05.2001 -