Ashley Fleming Email and Phone Number

o Evaluate financial statements and key ratios to determine creditworthiness of clients to align with current business goalso Negotiate terms of potential lending while maintaining client experience and minimizing risk for the firmo Manage pipeline of loans with authority to lend up to $750,000 for all conventional, Non-Agency, and HARP products o Provide clear and concise communication to sales and operations partners to ensure proper customer experience and realistic expectations… Show more o Evaluate financial statements and key ratios to determine creditworthiness of clients to align with current business goalso Negotiate terms of potential lending while maintaining client experience and minimizing risk for the firmo Manage pipeline of loans with authority to lend up to $750,000 for all conventional, Non-Agency, and HARP products o Provide clear and concise communication to sales and operations partners to ensure proper customer experience and realistic expectations o Issue proper credit decisions with compliance to investor and internal policy o Analyze key financial documents including Profit and Loss statements, tax returns, business returns, employment documentation, purchase contracts, and asset statements for risk assessment associated with extending credit o Additional lending authority granted for Chase Private Client and Employee loans based on excellent quality for the most recent 24 months o Participate in monthly credit policy and hot topic training to ensure compliance with changing internal and investor policies Show less

o Completed 2 year extensive credit training program targeted to recent college graduates as an introduction to credit analysis and the mortgage banking industryo Developed skills to properly analyze financial documents including tax returns, credit reports, appraisals, assets statements, and income documentation to determine risk associated with lending money to potential clients o Issued final decisions (Approval, Decline, or Counteroffer) based on findings from credit analysis and… Show more o Completed 2 year extensive credit training program targeted to recent college graduates as an introduction to credit analysis and the mortgage banking industryo Developed skills to properly analyze financial documents including tax returns, credit reports, appraisals, assets statements, and income documentation to determine risk associated with lending money to potential clients o Issued final decisions (Approval, Decline, or Counteroffer) based on findings from credit analysis and investor guidelines up to $417,000 for all conventional and HARP programso Participated in monthly national calls with mortgage banking executives to keep current on industry changes, policy updates, and internal department relationshipso Represented Chase at multiple college recruiting events to provide informational meetings and interview screenings to potential new hires Show less