Ashley Smith Email & Phone Number

Preparing and originating mortgage loans with encompass Familiar with Conventional loans, FHA loans and VA loans Ensuring closing details comply with State and Federal regulations. Communicating with all parties involved in the transaction, such as Title Agents, Loan Consultants, Client Coordinators, Underwriters, Processors and Post Closing  Maintaining accurate closing schedules. View and manage my pipeline by making sure I prioritize loans by LQI status and GYSD dates Ensure that all loans are closed in a timely manner and that documentation is valid and accurate. Obtain required documentation from the Underwriting department to satisfy conditions for closing thatwere part of the approval process. Managing and resolving any concerns, problems, and documentation issues. Ensure that all documents needed for the investor are included in the closing file. Perform other projects and duties as assigned.

Perform accurate and complete closing and funding of loans by reviewing files received from Processing for proper completion and accuracy (e.g., that necessary documents are in the file for closing) and ensuring data integrity within the loan origination system. Liaise and maintain an open line of communication with various departments, including Production, Title and Underwriting. Prepare/verify loan documents and mortgage to be executed by the borrower in order to fund. Schedule notary appointments for mortgage execution. Prepare funding packages. Ensure that all loans are closed in a timely manner and that documentation is valid and accurate. Obtain required documentation from the Underwriting department to satisfy conditions for closing thatwere part of the approval process. Exchange funding documents with Title Company once the loan file is closed and all necessarydocuments are signed and completed. Ensure that all documents needed for the investor are included in the closing file. Perform other projects and duties as assigned.

 Lead, Plan, and perform financial and operation audits Performing risk assessments and determine level of risk Inspecting company records and keeping confidential records in compliance Operate and monitor compliances with laws, policies, procedures and regulations Providing help and advice to customers using our organization products or services Demonstrate excellence at managing complex customer concerns and transactions Track customer complaint resolution Plan, prioritize and delegate work tasks to ensure proper functioning of the department Accomplish customer service human resource objectives by recruiting, selecting, orienting, training, assigning, scheduling and coaching Motivate tellers & make sure they are meeting their goals/objectives. Supervise tellers on a daily basis Help tellers search for overages/shortages when issues occur. Train new tellers on teller procedures and how to operate the cash drawers. Ask customers to provide feedback on tellers and customer service experience

Highland Park, New Jersey

Wells Fargo, New Jersey Lead Teller- (June 2013-Current)Supervise and coordinates duties to workers that engaged in receiving and paying out money and keeping records of transactions in banks and similar financial institutions: Assigns duties and work schedules to workers to ensure efficient functioning in banking environments.• Assist in the daily processes to ensure senior management’s needs are met in a timely manner.• Train employees in customer service, sales and banking procedures.• Buy/sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded.• Maintain appropriate reports and currency logs.• Handle customer complaints: find resolutions suitable for customers while adhering to bank policies.• Responsible for making sure sales and service goals are met by all employees within the branch.• Examine check deposits and determine proper funds availability based on regulation requirements and complete Hold Notices.

Rumson, New Jersey

Bank Teller- (Oct 2011-Jume 2013)Provide quality service to bank customers by conducting appropriate transactions and meeting the needs of customers by referring them to appropriate departments in the bank.• Received checking and savings deposits: verified cash and endorsements, received proper identification for cash back, and issue receipts of deposit.• Cashed checks, verified endorsement, received proper identification, and ensured validity.• Answered basic customer inquiries regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies.• Responsible for Cross-sell bank products and services.

Parlin, New Jersey

Interested buyers and purchasing agents in our merchandise or services and to address clients’ questions and comments.• Handled cash transactions, sold merchandise & processed returns/complaints graciously and effectively.• Provided product knowledge to customers through the features, values and benefits of each product.• Achieved and exceeded set individual and store sales goals.• Maintained knowledge of, and adhere to all company incentives, promotions and events.• Received and display product shipments on store retail shelves within twenty-four hours of delivery.

New York, New York

Exemplified the highest level of customer service standards while providing a friendly and enthusiastic environment to all customers and clients..• Handled cash transactions• Sold merchandise & treated associates, customers and vendors with exceptional service.• Ensured the store is neat, clean and organized throughout each business day.• Always aware of current promotional items and the correct pricing.

New York, New York

Exemplified the highest level of customer service standards while providing a friendly and enthusiastic environment to all customers and clients.• Handled cash transactions and sold merchandise.

New York, New York

Responsible for office duties as required by management direction.• Responsible for mail distribution, daily filing and filling out receipts.

High School Diploma

Business Administration And Management