Ashley Wright Email & Phone Number

Westerville, Ohio, United States

Remote

- Lead a staff of three quality control analysts in a high-performing operations environment reviewing small SBA loans $350,000 and under - Support the CORE team in Pre-Close reviews for complex loan structures up to $5,000,000• The loan structures include business acquisitions, new construction, export loans, leasehold improvements, franchises, and startups in the 7(a), 504, and USDA programs• Pertinent loan documents reviewed include, but are not limited to, purchase agreements, lease agreements, franchise/licensing agreements, collateral documents, and construction agreements• Provide support to the lines of business for process improvement, training, and best practices- Guided the entire quality control team through the transition from manual reviews to POWER- Serve as the lead point of contact for compliance related questions within the BOLT and Flashcap programs- Collaborate with the Learning and Development team and senior management to create processes, job aids, and trainings for the division- Assist senior management in rectifying audit findings from both internal and external sources- Created the QC reporting structure, including risk ratings and scorecards, for the division to communicate findings to senior management monthly- Participate in regular trainings held by the bank, NAGGL, and the SBA and shared the results with the lines of business through internal meetings

- Review BOLT and Flashcap loans at the pre-closing and pre-funding (Flashcap only) stages for compliance with internal parameters and SBA guidelines- Communicate results with the closers via HubSpot- Assist with CORE QC reviews when needed- Utilize both the SBA SOP and internal parameters to make decisions on loan-related matters

St Petersburg, Florida, United States

- Review underwritten loans at the initial and final approval stages for compliance with all investor and agency guidelines- Communicate with respective departments’ management teams regarding any findings- Review post-closing findings issued by the bank’s QC vendor and respond appropriately - Compose standard operating procedures for the department- Perform targeted audits at both the pre-funding and post-closing stages based on management requests and trends- Agencies and products worked include Freddie Mac, Fannie Mae, FHA, VA, USDA, jumbo, purchase, refinance, and new construction

- Oversee the entire disclosure process, from Loan Estimate to Change in Circumstance to Closing Disclosure- Review all disclosures to ensure they meet both local and federal guidelines- Onboard conventional, FHA, USDA, and VA loans, and close conventional, USDA and VA loans- Review and satisfy all investor post-closing conditions, including MERS, Fannie Mae, Freddie Mac, and any miscellaneous requests

Tampa/St. Petersburg, Florida Area

- Review mortgage loans for closing preparation, including updating fees for closing disclosure issuance and finalizing figures with title companies- Work under tight deadlines for issuance of closing disclosures and loan packages, regularly managing a pipeline of around 40-60 loans- Became the interim Client Advocate for the closing team in November 2019, with duties including the following: - Manage pipelines for absent colleagues - Serve as subject matter expert on the loan process for conventional, FHA, and VA loans - Take on manager duties when team leader is out of the office - Coach colleagues on best practices, policies, and procedures

Tampa, Florida

- Research education and allied healthcare standards in all jurisdictions to ensure compliance with laws and regulations - Complete assigned licensure and exemption applications with state education and specialty boards- Maintain a tracking system for all states and territories for statutory and regulatory updates regarding higher education, distance education, and allied healthcare- Assist with special projects related to concentrated research, accreditation requirements, and other standards that could affect the school

Saint Petersburg, Florida

- Tested loans on the Retail, Wholesale, and goodmortgage.com platforms on a monthly basis for compliance with all federal and state guidelines- Collaborated with business partners both within Compliance and in other departments to develop corrective actions and ensure reporting methodologies are accurate- Review all policies and procedures to ensure all tests are compliant with current federal and state regulations and update them as needed- Implemented new tracking mechanisms for corrective actions, new tests, and regulatory review- Act as the main contact between our external testing vendor and the company

Tampa, Florida

- Prepare closing disclosures for streamline refinances, credit-qualifying refinances, and purchases on FHA, VA, USDA, and Conventional loans using Encompass- Review loans for compliance with TRID, CFPB, state regulations, and internal procedures- Execute all closing disclosures in a timely manner, often under strict deadlines- In January 2017 I was one of the first personnel to transition into a hybrid closer, preparing both the closing disclosures and closing packages- Acted as the subject matter expert on tolerance cures and Changes in Circumstance- Winner of the 2016 Cornerstone Award for the Compliance Assurance Team

Columbus, Ohio

- Prepare loan documents for commercial and private client group consumer loans in a timely manner before loan closing using LaserPro. - Review each loan approval for due diligence using Velocity, CLOS, and AFS- Work with in-house legal, risk, and compliance on any covenants or issues that are outside standard practices- Consistently produced documents at an accuracy rate of 99.0% or higher every month- Follow procedures according to federal and state regulations, including Regulation B, OFAC, and TIL

Columbus, Ohio

- Monitor standard and litigated foreclosures in all fifty states- Work closely with attorneys to ensure all information and pleadings are provided per local rules- Assist upper management, staff, and attorneys on settlement agreements- Review all cases for compliance with CFPB, TILA, RESPA, and other federal regulations- Determine best courses of action and due diligence per investor guidelines, including Conventional, FHA, VA, FNMA, and FHLMC loans- Serve as the single point-of-contact for cases involving litigation, mediation, and title claims

Columbus, Ohio

Bachelor'S Degree, Communication, Political Science, American Sign Language, Gender Studies

Certificate, Paralegal Studies, Legal Assistant/Paralegal