Debbie Nimmo
Las Vegas,Nevada
Summary
Expertise in Conventional, FHA, VA, Fannie Mae and Freddie Mac Loans Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Senior Mortgage Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Astute and methodical Senior Mortgage Underwriter with significant background working with first time home buyers and investors. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Talented Senior Mortgage Underwriter with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Situs/AMC Mortgage Consultants
06.2014 - Current
- Underwriting services within full-service regional mortgage lender offering conventional and government loan programs
- Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability
- Achieved and performed high loan-funding rate among a 14 member underwriting team
- Ensured loan submittals met internal and external quality requirements
- Gained extensive experience in underwriting Fannie Mae and FHLMC loans
- Maintained meticulous attention to detail in underwriting mortgage
- Evaluated the financial strength of borrowers to determine risk and repayment capacity
- Leveraged knowledge of loan products to help restrictive turned-down loans for subsequent approvals
- Maintained compliance with lending, underwriting and government requirements
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of underwriting process.
Mortgage Underwriter
Guaranteed Rate
12.2021 - 07.2022
- Mortgage Underwriter (front line)
Education
GED -
Garden Valley High
Garden Valley, IDSkills
- Lending & Underwriting Guidelines
- Credit & Income Analysis
- Cash-Flow Analysis
- Appraisal/Title Analysis
- Down Payment Assistance
- Business & Personal Tax Returns
- Risk Assessment
- Loan-to-Value Ratios
- Debt-to Income Ratios
- Conventional & Government Mortgage
- Conforming and Nonconforming Loans
- ARMS
- Loan Closings, Fundings & Documentation
- Account Service Excellence
- Loan Audits
- Calyx Point
- Encompass
- AS400
- MS Word
- Excel
- Market Knowledge
- Residential mortgage lending regulations
- Credit analysis
- Jumbo and Super Jumbo Loans
- Asset Statements
- Documentation Review
- FNMA Guidelines
- Property Inspection
- Residential Loans
- Loan origination software
- Loan Evaluation
- Asset Appraisal
- Collateral Valuation
- Tax Liability Calculation
- Corporate Financial Statements
- Attention to Detail
- Credit File Updating
- Loan Processing Coordination
- Application Review
- Terms Definition
- Property Evaluation
- Customer Relations
- Financial History Analysis
- Payment Schedule Computation
- Creditworthiness Determination
- Credit History Review
- Income Evaluation
- Loan File Maintenance
- Complaint Handling
- Automated Underwriting System (AUS)
- Loan Feasibility Assessment
- Interpersonal Communication
- Microsoft Office
- Financial History Review
- Continuous Improvement
- Document analysis
- Task Prioritization
- Time Management
- Active Listening
- NMLS Registration
- Deep knowledge of bankruptcy processes
- Excellent Communication
- Team Collaboration
- Self Motivation
- Analytical Skills
- Application verification
- Loan Portfolio Monitoring
- Practiced at FHA loan process
- Market Analysis
- Interpersonal Skills
- Regulatory Disclosure Preparation
- Financial analysis aptitude
- Active Listening and Learning
- Professional Demeanor
- Decision-Making
- Teamwork and Collaboration
- Effective Communication
- Goal Setting
- Written Communication
- Customer Service
- Report Preparation
- Multitasking
- Problem-solving aptitude
- Data Entry
- Application coordination
- Professionalism
- Client Interview
Certification
- Real Estate License #A0073690 (on hold)
- NMLS License #493740 (in-active)
Accomplishments
- Documented and resolved Post Closing issues which led to FNMA & Freddie Mac purchases.
- Supervised team of 10 staff members.
- Authorizing, reviewing, and analyzing risk factors to determine loan eligibility and minimize risk or loss to the organization.
- Productive mortgage underwriter with underwriting authority up to $1,200,000.
- Performing 15+ mortgage + collateral reviews every week.
Personal Information
Title: Mortgage Underwriter
Timeline
Mortgage Underwriter
Guaranteed Rate
12.2021 - 07.2022
Mortgage Underwriter
Situs/AMC Mortgage Consultants
06.2014 - Current
GED -
Garden Valley High
Similar Profiles
Mrudhu BhaashiniMrudhu Bhaashini
Senior Analyst at Situs AMCSenior Analyst at Situs AMC
FEMI ADEWOYEFEMI ADEWOYE
Senior Internal Control IT Analyst at Situs-AMCSenior Internal Control IT Analyst at Situs-AMC
Kathy Lee ScannelloKathy Lee Scannello
Senior Auditor, Senior Underwriter, Loan Analyst at Situs AMCSenior Auditor, Senior Underwriter, Loan Analyst at Situs AMC
Rodrigo GonzalezRodrigo Gonzalez
Server at Wynn Las VegasServer at Wynn Las Vegas
Tami V. Bass, JDTami V. Bass, JD
Consultant | Business & Leadership Development at She SpeaksConsultant | Business & Leadership Development at She Speaks