Nadia S. Luchtman
Clay Twp
Summary
Professional with a strong foundation in risk assessment, financial analysis, and decision-making. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. Adept at fostering team collaboration and adaptable to changing needs to ensure optimal results. Known for precision, reliability, and delivering impactful outcomes in underwriting.
Overview
8
8
years of professional experience
Work History
Mortgage Underwriter
Acra Lending
09.2024 - 02.2025
- Approved or denied loans based on lender guidelines; conducted during manual underwriting.
- Interpreted and applied lender overlays and guidelines for non-QM loans.
- Maintained open lines of communication with Account Executives and Brokers promptly.
- Adhered to 24-hour service level agreements (SLAs) and communicated reasons for any delays.
- Worked with loan programs including DSCR and full documentation.
- Held a signing authority of $2,000,000.
- Managed a maximum loan amount of $4,000,000.
Small Business Loan Underwriter
Michigan Woman Forward
06.2023 - 09.2024
- Processed loan applications and monitored their progress from start to finish.
- Participated in ongoing professional development opportunities to stay updated on best practices in the industry.
- Managed a diverse portfolio of small business loans.
- Minimized losses by identifying potential risks early in the loan application process.
- Reduced delinquency rates by evaluating borrower creditworthiness and ensuring adherence to company guidelines.
- Assessed past business performance to determine projected income over the next three years.
Mortgage Underwriter
theLender
01.2021 - 05.2023
- Underwrite loans in accordance with lender guidelines; utilizing AUS, LPA, or Manual underwriting.
- Ability to interpret and apply client overlay and investor guidelines requirements
- Train incoming underwriters
- Non-QM underwrites of NONI programs and manual underwrite files following Lender and Agency guidelines.
- $1,500,000 signing authority
- Loan volume 62-123 loans per month
- Max loan amount $3,500,000
Mortgage Underwriter
Mr Cooper
01.2020 - 01.2021
- Underwrite loans in accordance with guidelines; utilizing AUS, LPA, or Manual underwriting.
- Issue loan decisions and condition files; identify and/or clear red flags
- Ability to interpret and apply client overlay and investor guidelines requirements
- Resolve pre- and post-closing items as they relate to underwriting.
- Assist processor/Loan officers in understanding underwriting decisions and conditions
- Train incoming underwriters
- Evaluate and ensure overall loan documents are accurate, complete, and compliant.
Real Estate Lending Manager
Chief Financial Credit Union
01.2017 - 01.2020
- Oversee the Real Estate Lending Department Sales, Processing, and Underwriting for 3 branches.
- Meet monthly sales goals.
- Build/maintain Real Estate Agent relationships.
- Developed policies/procedures for continued growth in the department
- Developed the broker relationships between credit unions and lenders
- Developed and maintained a home equity program
- Developed and maintained portfolio mortgage products
- Review and apply per investor/compliance/regulatory guidelines.
Education
Associates - Business/Marketing
Baker College
Flint, MI03-2007
Skills
- Loan Risk Assessment
- Regulatory Compliance Interpretation
- Credit Analysis
- Strong Communication Skills
- Effective Organization
- Client Relationship Management
Timeline
Mortgage Underwriter
Acra Lending
09.2024 - 02.2025
Small Business Loan Underwriter
Michigan Woman Forward
06.2023 - 09.2024
Mortgage Underwriter
theLender
01.2021 - 05.2023
Mortgage Underwriter
Mr Cooper
01.2020 - 01.2021
Real Estate Lending Manager
Chief Financial Credit Union
01.2017 - 01.2020
Associates - Business/Marketing
Baker College
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