Rhonda Asher
Wills Point,TX
Summary
Experienced professional seeking full-time auditing, compliance, or servicing role in the Financial or Mortgage Industry. Looking to expand knowledge and earn respect of colleagues. Open to relocation and authorized to work in the US for any employer.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Senior Loan Specialist
Small Business Administration
- Current
- Conducted comprehensive financial audits for clients, ensuring compliance with accounting standards and regulations
- Performed detailed analysis of financial statements, identifying discrepancies and potential risks
- Developed and implemented audit procedures to assess the effectiveness of internal controls
- Prepared clear and concise audit reports summarizing findings, recommendations, and action plans
- Identified areas of improvement in clients' financial processes and provided actionable recommendations
- Verified accuracy of financial records by conducting sample testing on transactions and account balances
- Provided guidance on best practices for risk mitigation strategies
- Mentored junior auditors by providing training on auditing techniques
Sr. Mortgage Loan Processor
Pentagon Federal Credit Union
09.2021 - 11.2022
- Front line Mortgage loan processing, Review application from initial receipt of the loan officer.
- Conducted initial review and requested essential documentation for processing.
- Communicate status with all parties and borrower within expected time frames per SLA.
- Ability to pre-underwrite loans prior to submission to achieve minimal conditions as well as grade the overall risk of the file, foresee any issues that may be considered a red flag.
- Work directly with Branch and loan officer assistants.
- Pre audit loan files for closing to ensure minimal errors and defects.
Underwriting/Pricing Analyst & Acquisition
Zillow Offers
07.2021 - 11.2021
- Evaluate opportunities for the Acquisition of SFR Properties through various channels E.g., MLS Portfolios, Foreclosures, and Off Market, Prioritize & accurately perform asset level valuations on multiple potential properties, providing analytical support related to all aspects of commercial pricing and contract activities at the Company. Focused on providing direct day-to-day operational and tactical support to Contract Marketing. Assist in producing accurate revenue forecasts to determine market share, customer trends
- Analyze revenue performance, market share, capacity, and competitor activity for markets, and create market strategies that support delivery of revenue targets
- Monitor and evaluate effectiveness of current and past rates to guide pricing decisions.
Triage /Loan Specialist
Small Business Administration, SBA
05.2020 - 07.2021
- Acquired and purchased confidential data sources for comprehensive research and analysis.
- Manipulate data using data analysis tools to discover insights Generate and deliver reports from data analysis Offer suggestions and direction from analysis to help guide organization decision-makers
- Collaborate with different teams and departments to provide expertise and insight. Working knowledge of data analysis and visualization tools, such as Microsoft and Tableau Functional experience with database and spreadsheet software, such as MySQL and Excel Experience performing various forms of online research Currently knowledge of or ability to quickly learn data mining tools and techniques Significant attention to detail and an ability to quickly spot and fix problems Experience working in a team setting and desire to take leadership roles within a team Detail-oriented and a strict attention and appreciation for deadlines.
Sr. Loan Processor/Credit Underwriter
Dallas Area Habitat for Humanity
03.2018 - 05.2020
- Assist new LO’s with pre-approvals and applications for review. Income limit AMI and Down Payment assistance programs to assist borrowers with qualification.
- Pre-underwritten files submitted to investors for review. Credit review and approved applicants for new builds/construction homes. Set up process and procedures for processing and on boarding new loans.
- Reviewed files, records, and other documents to obtain information and respond to requests.
- Pre audit loan processing team files for closing to ensure minimal errors. Work with 3rd party companies to determine down payment assistance allowances. Review contracts and request corrections to ensure compliance.
- Significant attention to detail and an ability to quickly spot and fix problems
- Experience working in a team setting and desire to take leadership roles within a team Detail-oriented and a strict attention and appreciation for deadlines
Sr. Loan Processor
American National Bank-Texas
05.1997 - 03.2018
- Complete their daily tasks with speed and accuracy.
- Analyzed borrower-provided financial records to ensure compliance with underwriting standards.
- Maintain knowledge of the different loan programs and the corresponding processes to be fulfilled in the system.
- Working knowledge of the loan closing process and sending initial closing disclosure
- Process loan applications from the beginning to the financing, striving to obtain approvals in the shortest possible time.
- Maintain a loan portfolio with an emphasis on customer service, quality, precision and efficiency.
- Collect and submit the credit report and application documentation in a timely manner for loan approval.
- Ensure compliance with the goals and budget defined by the company, as well as analyze the actions to be taken in cases of non-compliance.
- Avoid delays and confusion during the process of exchanging information with the parties linked to the loan.
- Hold periodic meetings with the head of the area in charge to report the results of their management and the status of the loans.
- Document and prepare a folder backed by the documents collected during the loan management (digital and physical).
- Ability to order and obtain third party information associated with the processing of the loan.
- Streamline operations management, in the event of any impediment or delays in responses by the client and / or lender.
- Review loan agreements to ensure they comply with current state and federal regulations, as well as the initially stipulated deadlines.
- Have knowledge of the credit products applicable in each case, as well as the rules, regulations and required documentation of the industry.
Education
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North Lake College
Irving, TXSkills
- Loan structuring
- Loan servicing
- Credit analysis
- Loan documentation
- Loan origination
- Loan closing
- Loan processing
- Loan auditing
- Loan administration
- Team player
- Customer service-focused
- Banking
- Consumer lending
- Client relations
- Document analysis
- Credit
- Risk management assessments
- Financial services
- Loans
- Mortgage lending
- Terms negotiation
- Credit assessment
- Financial assessment
- Customer service
- Time management
- Attention to detail
- Leadership skills
- Multitasking
- Reliability
- Excellent communication
- Organizational skills
- Team collaboration
- Effective communication
Certification
- Real Estate License
- Residential Underwriting Certification
- Real Estate Certification
Timeline
Sr. Mortgage Loan Processor
Pentagon Federal Credit Union
09.2021 - 11.2022
Underwriting/Pricing Analyst & Acquisition
Zillow Offers
07.2021 - 11.2021
Triage /Loan Specialist
Small Business Administration, SBA
05.2020 - 07.2021
Sr. Loan Processor/Credit Underwriter
Dallas Area Habitat for Humanity
03.2018 - 05.2020
Sr. Loan Processor
American National Bank-Texas
05.1997 - 03.2018
Senior Loan Specialist
Small Business Administration
- Current
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North Lake College