Summary
Overview
Work History
Education
Skills
Timeline
CustomerServiceRepresentative

Ashley L. Henderson

Hanover,MN

Summary

Goal-oriented individual with strong mortgage industry skills and a proven record of success in quality-driven support roles. Capable project manager; a self-starter who is well equipped to manage and prioritize the competing demands of multiple projects.

Overview

12
12
years of professional experience

Work History

Sr. Mortgage Loan Processor

US Bank Home Mortgage
Bloomington, MN
11.2019 - Current
  • Act as liaison between borrower, underwriter, loan originator and lender
  • Analyze and pre-underwrite all loan documents before submitting to underwriting including income, asset, credit and title documents
  • Provide customer with timely and periodic status updates of their loan application
  • Return all inquiry calls within one business day
  • Collect required documentation from applicants and follow up on missing items
  • Establish, maintain, and update files, databases, records and/or other documents for recurring internal reports
  • Compile documents for customer files and enter intakes to Data Management System for processing and assessment
  • Assure that all customer files are complete and in compliance with regulatory agencies and internal policies
  • Ensure customer privacy, security of files appropriate staff access
  • Prepare commitment letter(s), denial letter(s), and cancel files when necessary
  • Maintain pipeline report and notify management of status as needed
  • Process documents received for each file, verifying accuracy and completeness of each document.
  • Prepared file for final clear-to-close by branch management.
  • Hits monthly forecast goals
  • Exceeds and meets all metric standards
  • Meets 92.86% purchase closing dates
  • Efficiency rage from 171.84% to 373.38%
  • Maintained compliance with privacy and security requirements, as well as federal statutes
  • Proficient In Fannie Mae/Freddie Mac Guidelines, FHA/VA, And HAMP/MHA Guidelines

Business Development Executive

THE RIGHT STAFF
Minneapolis, MN
01.2019 - 11.2019
  • Responsible for development of full cycle recruitment of candidates to fulfill client staffing requirements and needs
  • Use of various prospecting techniques such as online advertising, social media, and traditional recruitment methods to develop effective candidate pipeline
  • Partner with hiring managers and directors to understand client needs, determine staffing requirements, and negotiate offers
  • Develop growth strategy with focus on financial gains and customer satisfaction
  • Recruitment techniques structured in research and identification of new markets and client needs
  • Cold calling techniques for engagement with prospective clients
  • Promotion of company’s products and services that address or predict client’s objectives
  • Preparation of sales contracts adhering to law-established rules and guidelines
  • Maintenance of records of sales, revenue, invoices, etc.
  • Provide trustworthy feedback and after sales support
  • Building and maintaining long-term relationships with new and existing customers
  • Development of entry level staff into valuable salespeople
  • Conduct 100+ follow-ups week and over 100 marketing drops B2B
  • Maintain monthly email blasts based off prospect list and current client list of 500 – 100 qualified prospects and clients
  • Attend lunch and coffee meetings, conduct personal, professional, and civic networking opportunities

Licensed Resident Insurance Producer

Family Heritage Life Insurance Company of America
Plymouth, MN
09.2018 - 01.2019
  • Specialized in helping clients (individual and business) through choices of supplemental insurance options such as accident coverage, cancer coverage, and heart disease and stroke
  • Outside sales offering individual and group supplemental plans
  • B2B sales
  • Networking and development of referral base
  • Running small business, self-employed as licensed agent
  • Top 10 Sales Agent for month of November 2018
  • Eagle award
  • State of Minnesota License Number: 40599579

Sr. Loan Processor

US Bank Home Mortgage
Bloomington, MN
06.2015 - 09.2018
  • Act as liaison between borrower, underwriter, loan originator and lender
  • Analyze and pre-underwrite all loan documents before submitting to underwriting including income, asset, credit and title documents
  • Provide customer with timely and periodic status updates of their loan application. Return all inquiry calls within one business day
  • Collect required documentation from applicants and follow up on missing items
  • Establish, maintain, and update files, databases, records and/or other documents for recurring internal reports
  • Compile documents for customer files and enter intakes to Data Management System for processing and assessment
  • Assure that all customer files are complete and in compliance with regulatory agencies and internal policies
  • Ensure customer privacy, security of files appropriate staff access
  • Prepare commitment letter(s), denial letter(s), and cancel files when necessary
  • Maintain pipeline report and notify management of status as needed
  • Process documents received for each file, verifying accuracy and completeness of each document.
  • Conducted pre-funding and funding activities for over 40 monthly applications
  • Reviewed and validated details of loan applications and closing documentation

Loan Processor/ Credit Specialist

All Wheels Financial
Minneapolis, MN
10.2013 - 06.2015
  • Prepare, validate and process loan documentation
  • Oversee all outstanding accounts and manage financial relationship with clients
  • Validate insurance information to ensure customer compliance
  • Coordinate with backside lenders and notate all data in NLS system
  • Works independently requiring minimal assistance with standard and non-standard requests
  • Ability to prioritize and organize work to meet agreed upon deadlines
  • Works well with others, team player
  • Set up and completed loan submission packages
  • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants
  • Prepared documents for underwriting by verifying client income, credit reports and other information
  • Reviewed financial statements and contacted institutions and customers to clarify details

Medical Collector

Colltech INC
Minneapolis, MN
01.2013 - 10.2013
  • Adhere to FDCPA and HIPAA regulations
  • Dealt heavily in healthcare insurance claims and processing
  • Contacted patients to arrange payments for overdue bills
  • Self-driven position, over 150 accounts worked per day
  • Experience working with healthcare providers
  • Excellent and accurate keyboarding while entering large volumes of data into software systems
  • Researching, investigating, negotiating, processing, and adjusting claim payment option
  • Corrected, completed and processed claims for multiple payer codes
  • Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance
  • Deployed automated system tracking and skip tracing to locate hard-to-find, re-located customers
  • Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices

Customer Service / Netspend Representative

Car Hop
Minneapolis, MN
08.2010 - 09.2011
  • Handled inbound/outbound calls in fast-paced, high-volume call center
  • Assisted accounts with auto-pay setup, registration and card activation
  • Trained and guided clients through purchasing process and set appointments
  • Researching, investigating and negotiated with clients for payment options
  • Works independently and well with team to accomplish goals
  • Data entry of client information
  • Used critical thinking to break down problems, evaluate solutions and make decisions
  • Conducted research, gathered information from multiple sources and presented results
  • Identified issues, analyzed information and provided solutions to problems
  • Handled 100+ calls per day to address customer inquiries and concerns

Collections Representative

UAC
Minneapolis, MN
04.2009 - 08.2010
  • Managed accounts 30 days past due from ques of 100-200 accounts
  • Primarily outbound calling establishing payments and retaining customers
  • Modified accounts and loan contracts, calculated budgets and financially advised customers
  • Works independently to accomplish goals and tasks
  • Works well with others as part of team
  • Customer service experience
  • Used skip tracing resources to locate debtors and updated information in company system
  • Negotiated to collect balance in full
  • Resolved challenging situations with friendly but firm strategies
  • Processed payments and contracts on accounts
  • Used scripted conversation prompts to convey current account information and obtain payments

Education

Some College (No Degree) -

Normandale Community College

High School Diploma - undefined

Waconia High School
2006

Skills

  • Active Listening / Learning
  • Lending Software Systems
  • Legal Documentation
  • Problem Solving
  • Information Verification
  • Digital Applications
  • Desktop Underwriter
  • Critical Thinking
  • Customer Service
  • Time Management
  • Mathematics
  • Financial Information Monitoring

Timeline

Sr. Mortgage Loan Processor

US Bank Home Mortgage
11.2019 - Current

Business Development Executive

THE RIGHT STAFF
01.2019 - 11.2019

Licensed Resident Insurance Producer

Family Heritage Life Insurance Company of America
09.2018 - 01.2019

Sr. Loan Processor

US Bank Home Mortgage
06.2015 - 09.2018

Loan Processor/ Credit Specialist

All Wheels Financial
10.2013 - 06.2015

Medical Collector

Colltech INC
01.2013 - 10.2013

Customer Service / Netspend Representative

Car Hop
08.2010 - 09.2011

Collections Representative

UAC
04.2009 - 08.2010

Some College (No Degree) -

Normandale Community College

High School Diploma - undefined

Waconia High School
Ashley L. Henderson