Ashley Widdowson
West Jordan,UT
Summary
Diligent Underwriter with a track record of optimizing portfolio performance at Arivo Acceptance by employing sharp credit analysis and risk assessment skills. Demonstrated ability to enhance loan approval rates and maintain regulatory compliance, showcasing meticulous documentation review and strategic financial analysis. Adept at fostering team satisfaction through effective problem-solving. Known for precision, reliability, and delivering impactful outcomes.
Overview
8
8
years of professional experience
Work History
Underwriter
Arivo Acceptance
10.2023 - Current
- Reduced risk exposure through diligent evaluation of applicants'' creditworthiness and recommending appropriate credit limits.
- Ensured compliance with lending regulations and guidelines, contributing to a well-regulated work environment.
- Created financial strategies to optimize portfolio performance and reduce risk with multiple case studies.
- Played a key role in maintaining a high-quality loan portfolio, minimizing defaults and maximizing returns for the organization.
- Improved loan approval rates by meticulously analyzing credit data, income and financial statements.
Jr Underwriter/ Homie Cash Team Lead
Homie Loans
06.2021 - 10.2023
- Carefully assessed and reviewed mortgage loan applications, ensuring all required documents and information were complete and accurate.
- Conducted comprehensive financial analysis of applicants' credit histories, income, assets, and liabilities to determine their creditworthiness and assess loan risk.
- Completed and conducted AVM’s, Fraud, appraisal review to determine estimated value of vacating home as well as on the home wanting to be purchased for the Buy Before You Sell Program
- Collaborated with loan officers to request additional documentation, explain decisions, and address inquiries. Kept abreast of industry trends, lending regulations, and underwriting best practices to stay current and informed.
Operations Assistant
Guaranteed Rate Affinity
10.2017 - 07.2021
- Organized and maintained a large pipeline of files. In 2018 I had pre-processed over 1200 loans in that year.
- Completed and conducted follow up on all 3rd party order outs such as Title, Insurance, HOA documentation, Mortgage Payoffs, WVOE/ VVOE and requested the closing disclosure on all loans.
- Assisted in quality control efforts by identifying and rectifying errors in data and documentation.
- Solved problems timely and effectively, ensuring team satisfaction.
Jr Processor
Axiom Financial
07.2016 - 10.2017
- Coordinated processing workflows to meet daily, weekly, and monthly targets, ensuring timely completion of tasks to meet closing deadlines.
- Completed and conducted follow up on all 3rd party order outs such as Title, Insurance, HOA documentation, Mortgage Payoffs, WVOE and VVOE.
- Conducted thorough reviews of documents to ensure compliance with company standards and regulatory requirements. Updated documentation to ensure accuracy for closing.
- Supported loan officers by providing updates on application status, assisting in problem resolution.
- Conducted ongoing follow-ups on outstanding conditions needed from both internal departments and external partners which resulted in rapid clearance of approval conditions.
Education
East High School
Salt Lake City, UTSkills
- Underwriting guidelines
- Analyzing data
- Documentation review
- Risk assessment
- Credit analysis
- Application review
- Data interpretation
- Encompass
Timeline
Underwriter
Arivo Acceptance
10.2023 - Current
Jr Underwriter/ Homie Cash Team Lead
Homie Loans
06.2021 - 10.2023
Operations Assistant
Guaranteed Rate Affinity
10.2017 - 07.2021
Jr Processor
Axiom Financial
07.2016 - 10.2017
East High School
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