Marla Harris
Orlando,FL
Summary
I specialize in analyzing Non-QM borrower scenarios-bank statements, DSCR, and risk layering. I'm seeking to support a high-performing mortgage team by structuring complex deals and driving faster, cleaner approvals. I leverage strong scenario analysis, LTV/DTI evaluation, and mortgage guideline knowledge to match borrowers with viable solutions-especially those with non-traditional income. Known for identifying risk early, calculating income accurately, and aligning files to the right program, I help move loans efficiently from submission to approval with fewer conditions and stronger outcomes.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Mortgage Loan Processor
HIS Capital Funding Corp
Orlando, USA
03.2025 - 03.2026
- Manage pipeline of 25-40+ active loans monthly from submission to closing
- Analyze bank statements, income, and credit to support deal structure and approval readiness
- Evaluate LTV / DTI and identify layered risk impacting loan decisions
- Coordinate appraisal, title, and conditions to keep files moving efficiently
- Reduced condition-to-clear time by ~20% through proactive document collection and follow-ups
Relocation Consultant & Real Estate Broker
Wisdom Moon Consulting
Panama City, Panama
09.2011 - 07.2022
- Analyzed borrower financials (tax returns, bank statements, credit) across 100+ client transactions
- Structured financing scenarios including investment and cash-flow deals
- Evaluated DTI and aligned borrowers with viable loan programs
Mortgage Consultant Manager
Wisdom Moon Inc
09.2005 - 12.2009
- Structured loan scenarios based on borrower profiles and guidelines
- Reviewed income, credit, and collateral for deal feasibility
Private Mortgage Technician
Radian
01.2004 - 11.2005
- Reviewed loans for mortgage insurance approval
- Assessed borrower risk (credit, DTI, collateral)
Education
B.S. - Marketing
St. Francis College
Skills
- Non-QM Loan Structuring
- Scenario Analysis
- LTV Evaluation
- DTI Evaluation
- Income Calculation Basics
- Mortgage Guidelines Familiarity
- Appraisal coordination
- Loan program alignment
- Team collaboration
- Processing procedures
Certification
Certified Master Mortgage Underwriter (CMMU), 03/01/26
Timeline
Mortgage Loan Processor
HIS Capital Funding Corp
03.2025 - 03.2026
Relocation Consultant & Real Estate Broker
Wisdom Moon Consulting
09.2011 - 07.2022
Mortgage Consultant Manager
Wisdom Moon Inc
09.2005 - 12.2009
Private Mortgage Technician
Radian
01.2004 - 11.2005
B.S. - Marketing
St. Francis College