Hi, I’m
ASHTON J HOWARD
Moreno Valley,CA
Summary
Experienced mortgage professional with strong track record in evaluating loan applications and assessing credit risk. Adept at collaborating with team members to ensure seamless operations and adapt to changing needs. Skilled in financial analysis, risk management, and compliance with industry regulations. Reliable and results-driven, committed to delivering high-quality outcomes.
Overview
16
years of professional experience
Work History
Freedom Forever
Funding Coordinator
04.2024 - 05.2025
Job overview
- Coordinated pre & post-install funding processes with finance companies to ensure accurate customer and system specifications.
- Managed communication between finance partners, sales, and operations to maintain secure financing and project progress.
- Provided updates to internal teams and customers, ensuring accurate project statuses and timely responses to inquires.
- Reviewed and validated solar project proposals, including system design, performance modeling, cost estimation, and technical documentation.
American Advisors Group
Retail DE Underwriter II
10.2020 - 10.2023
Job overview
- Responsible to accurately evaluate and underwrite HECM reverse mortgage loan files submitted by retail and wholesale production channels, in accordance with company policy and FHA HECM guidelines.
- Collaborated with processing teams to resolve discrepancies in loan files, ensuring timely completion of applications.
- Set the terms for approval and compliance or identify reasons for rejection and Work closely with all operational departments to establish productive and efficient work flows.
- Evaluated loan structures and recommend modifications to optimize risk management and profitability.
- Developed strong relationships with mortgage brokers and other third-party partners to facilitate smooth communication throughout the underwriting process.
American Advisors Group
Appraisal Analyst II
11.2018 - 10.2020
Job overview
- Reviewed and analyzed FHA appraisal reports in accordance with residential mortgage underwriting guidelines and lender guidelines.
- Documented and notated files throughout the appraisal review process in compliance with regulatory requirements, facilitating communication between clients, vendors, and employees.
- Managed inbound and outbound communications and handle time-sensitive materials via operating system, email, and phone correspondence with clients and appraisers.
- Improved internal knowledge sharing by developing comprehensive documentation outlining standard operating procedures for various tasks.
- Promoted from Appraisal Analyst to Retail DE Underwriter II at AAG within 2 years.
Mountain West Financial
Mortgage Loan Underwriter
10.2016 - 11.2017
Job overview
- Underwrote Retail & Wholesale Purchase & Refinance non-conforming & conforming Conventional Loans with attention to detail.
- Analyzed borrower's assets, collateral, and income documentation to ensure loan acceptability.
- Provided timely loan status updates to brokers, borrowers, and internal/external partners for a seamless customer experience.
- Reduced processing times for mortgage applications, ensuring prompt customer service and satisfaction.
- Maintained compliance with regulatory standards and guidelines, mitigating potential risks to the organization.
Wholesale Capital
Post-Closing – Investor Relations
09.2015 - 10.2016
Job overview
- Reviewed closed loan packages for accuracy and verify information in the client’s operating system; Ensures closing documents are executed within compliance of Federal and State regulation.
- Reviewed and secure Investor approval conditions to deliver documentation to investor for loan purchasing.
- Communicated effectively with lenders and investors to provide updates on loan status.
- Provided updates on the status of assigned loans with investors to management.
- Self-motivated, with a strong sense of personal responsibility.
Wells Fargo Home Mortgage
Consumer Loan Underwriter III
01.2009 - 08.2015
Job overview
- Automated document flow by leveraging RMA applications to validate and qualify home mortgage loan borrowers..
- Reviewed and evaluated AIRL documents to ensure adherence to Wells Fargo/CFPB guidelines and all other relevant Investor guidelines to ensure loan acceptance.
- Reviewed litigated loans and loans decisions appealed by the borrower to present alternative options; analyze exception requests, prepare adverse action (loan denial) notifications or secondary loan reviews for adverse action, with awareness of compliance provisions of all regulatory agencies involved.
- Contacted Borrower directly to notify of approval conditions, required timelines and required documentation.
- Selected by management to travel to Wells Fargo sponsored Homeowner Workshops across the country for face-to-face meetings with borrowers to complete loan modification process onsite when applicable.
- Promoted from Loan Adjuster to Consumer Loan Underwriter III within 2 years with Wells Fargo.
- Automated document flow for mortgage loan borrowers to streamline acceptance programs.
- Collaborated with Default Servicing leadership and conducted or participated in mentoring sessions for SPOC, Mortgage Closers, and Mortgage Loan Officers.
Education
Fresno City CollegeFresno, CA
Associate of Science from Business Administration And Management
Skills
- Document analysis
- Debt-to-income ratios
- Default servicing
- Data management
- Property valuation
- Credit analysis
- Appraisal review
- Loan processing
- Collateral evaluation
- Income calculation
- FNMA guidelines
- Effective communication
- Microsoft office
- Automated Underwriting DU/LP
Timeline
Funding Coordinator
Freedom Forever
04.2024 - 05.2025
Retail DE Underwriter II
American Advisors Group
10.2020 - 10.2023
Appraisal Analyst II
American Advisors Group
11.2018 - 10.2020
Mortgage Loan Underwriter
Mountain West Financial
10.2016 - 11.2017
Post-Closing – Investor Relations
Wholesale Capital
09.2015 - 10.2016
Consumer Loan Underwriter III
Wells Fargo Home Mortgage
01.2009 - 08.2015
Fresno City College
Associate of Science from Business Administration And Management
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