Ashley Yost
Las Vegas,NV
Summary
Proficient and goal driven Senior Loan Processor offering expertise in legal statutes and established lending guidelines. 8-year history of successfully managing high volumes, fast-paced environments with demanding productivity. Highly-motivated with a desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
8
8
years of professional experience
Work History
Senior Loan Processor
Novus Home Mortgage
Las Vegas, NV, NV
08.2023 - 12.2023
- Created and completed loan submission packages.
- Checked approvals against established bank and government lending standards.
- Processed loan documents in a timely manner to meet closing deadlines.
- Coordinated document preparation with attorneys, title companies, lenders, and other third parties as needed.
- Assisted junior staff members with any questions they may have had about the loan process or procedures.
- Calculated income, assets and liabilities to meet lender requirements.
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
- Worked with third-party vendors to address and clear loan closing requirements.
- Responded promptly to customer inquiries regarding their loan status and requirements.
- Managed multiple projects simultaneously while meeting tight deadlines.
- Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Monitored progress of loans throughout the entire origination process from pre-qualification through post-closing activities.
- Researched relevant laws and regulations related to lending practices in order to remain compliant with industry standards.
- Utilized various software programs such as Encompass360 Loan Origination System for data entry purposes.
- Recognized by management for providing exceptional customer service.
- Maintained updated knowledge through continuing education and advanced training.
- Exceeded customer satisfaction by finding creative solutions to problems.
Senior Loan Processor and Closer
Barrett Financial Group
Las Vegas, NV
09.2022 - 08.2023
- Created and completed loan submission packages.
- Processed loan documents in a timely manner to meet closing deadlines.
- Structured loan packages by properly analyzing credit reports, income and asset documents.
- Coordinated document preparation with attorneys, title companies, lenders, and other third parties as needed.
- Calculated income, assets and liabilities to meet lender requirements.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Managed multiple projects simultaneously while meeting tight deadlines.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Assembled and compiled documents for loan closings.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Monitored progress of loans throughout the entire origination process from pre-qualification through post-closing activities.
Senior Mortgage Loan Processor
Fairway Independent Mortgage
Las Vegas, NV
04.2017 - 09.2022
- Interpreted mortgage regulations regarding income calculations, debt-to-income ratios and other lending criteria.
- Maintained regular contact with customers throughout the loan process providing updates on progress made or any needed information or documentation.
- Prepared loan packages for underwriting, including ordering title reports, credit reports, appraisals, verifications of employment and other documentation as required.
- Assisted Loan Officers in resolving customer issues related to their mortgages by troubleshooting potential solutions or escalating them when necessary.
- Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Reviewed and verified loan documents to ensure accuracy and compliance with company policies and procedures.
- Created and completed loan submission packages.
- Contacted outside sources, references and vendors to verify client financial information.
- Actively monitored the daily pipeline to ensure timely closings of loans in process.
Mortgage Loan Officer Assistant
Geneva Financial LLC
Las Vegas, NV, NV
04.2016 - 04.2017
- Assisted Mortgage Loan Officers with loan pre-qualifications by gathering and verifying customer financial information.
- Checked applicant credit, personal references and employment histories.
- Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
- Created and maintained detailed, accurate mortgage files for each loan application received.
- Provided administrative support to the Loan Officers, such as scheduling appointments, answering phones and responding to emails.
- Generated weekly pipeline updates for management team members.
- Completed data entry of all customer information into the loan origination system.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
Education
High School Diploma -
Silverado High School
Las Vegas, NV05-2003
Skills
- Mortgage Loan Software
- Loan Submissions
- Teamwork and Collaboration
- Dedicated Work Ethic
References
References available upon request.
Timeline
Senior Loan Processor
Novus Home Mortgage
08.2023 - 12.2023
Senior Loan Processor and Closer
Barrett Financial Group
09.2022 - 08.2023
Senior Mortgage Loan Processor
Fairway Independent Mortgage
04.2017 - 09.2022
Mortgage Loan Officer Assistant
Geneva Financial LLC
04.2016 - 04.2017
High School Diploma -
Silverado High School