Ashley Sammacicci
Mantua,NJ
Summary
Highly motivated mortgage professional offering 17 years of experience in managing high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
12
12
years of professional experience
Work History
ASSIGNMENT CLAIMS- SENIOR SPECIALIST
PHH-OCWEN
02.2023 - 12.2023
- Primary job functions have been processing servicer cure and default loans with investors (reverse mortgages) – research and resolve inquiries in timely and accurate manner and communicate effectively with vendor, client and investors
- Complete full review and verify accuracy of default loan claims packages for the processing of claims on HUD insured assets
- Ensure compliance with HUD guidelines and relevant laws to maintain integrity and financial data.
- Managed entire servicer cure portfolio from 2000+ defects to under 50.
MORTGAGE UNDERWRITER & DEFENSE SPECIALIST
Freedom Mortgage
07.2020 - 11.2022
- Responsibilities included investigation, analysis, and reporting (excel) on transactions with all lines of business for Capital Markets
- This also included curing all discovered defects and the process of self-reporting and repurchase if a cure was not possible
- Oversaw the sale of bid tape loans (10- 50 new loans per week) to multiple investors and completed full reviews to determine if products were in accordance with the investors current underwriting guidelines
- Completed due diligence reviews as assigned through post-closing QC- this included full compliance, credit and property valuation reviews
- Maintained constant communication and relationships with the branch, brokers, attorneys, and investor's capital market leads.
MORTGAGE LOAN PROCESSOR
Fairway Independent Mortgage Corp
07.2019 - 07.2020
- Mortgage loan processing of all loan products - FHA, VA, BOND - NJHMFA, Conventional (LP and DU) Responsibilities included the processing and pre-underwriting of all mortgage applications through closing
- Maintaining relationships with realtors and borrowers was a great priority to ensure repeat business and a positive experience for all parties
- Encompass was the primary mortgage management software used.
HLS PROCESSOR III
Citizens Bank
12.2015 - 02.2019
- Mortgage processing of multiple products- (all states) a notable achievement includes being chosen to exclusively process FHA, BOND (PHFA, MHP) and VA due to my defect quality rating being consistently above 98%
- Responsibilities included all steps of the mortgage process from origination through closing
- Recipient of multiple credo awards for my efficiency
- This was an extremely high volume and fast paced environment with an average pipeline of 150 loans of various products, states and sales teams
- Encompass was the primary mortgage management software used
- Trained multiple other high-volume processors in regard to government guidelines and procedures.
EXCEPTION HANDLING PROCESSOR
Freedom Mortgage
11.2011 - 12.2015
- This was a 2nd level processing position that handled escalated files; a step between processing and underwriting that provided an increased and accelerated level of customer service
- Included high volume pipelines entirely of rush requests - mostly FHA loans
- Responsibilities included curing issues that needed a higher level of expertise and communicating with all parties to prevent cancellation and remedy customer service issues.
Education
DIPLOMA -
PITMAN HIGH SCHOOL
Pitman, NJ06.2005
Skills
Pipeline management
Income and credit analysis
FNMA FHLMC GNMA Auditing and Due Diligence
Extensive experience with all government loans
DOS based programs
Extremely tech savvy Little to no training is necessary for new programs
Loan Restructuring
Loan Product Knowledge
Desktop Underwriter
Customer Experience
Complex Problem-Solving
Loan Modification
Residential Loans
Eligibility Requirements
Regulatory Disclosure Preparation
FHA Loan Process
Documentation Management
Customer Relations
Quality Assurance
Audit reporting
Information Verification
Residential mortgage lending regulations
Proficient in Encompass, Sagent, Mavent, Empower, Calyx, Excel and multiple other LOS and credit reporting software
Proficient in Title Examination
Appraisals
Condo/ Co-op documentation
Timeline
ASSIGNMENT CLAIMS- SENIOR SPECIALIST
PHH-OCWEN
02.2023 - 12.2023
MORTGAGE UNDERWRITER & DEFENSE SPECIALIST
Freedom Mortgage
07.2020 - 11.2022
MORTGAGE LOAN PROCESSOR
Fairway Independent Mortgage Corp
07.2019 - 07.2020
HLS PROCESSOR III
Citizens Bank
12.2015 - 02.2019
EXCEPTION HANDLING PROCESSOR
Freedom Mortgage
11.2011 - 12.2015
DIPLOMA -
PITMAN HIGH SCHOOL
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