Nick Ziegler
Land O' Lakes,FL
Summary
Analytical and career-minded professional with expertise and experience driving business with existing clients and establishing business relationships with new clients. Solid understanding of commercialization and principles of property-casualty insurance businesses and market development. Strong analytical skills advantageous in meeting stringent deadlines.
Overview
11
11
years of professional experience
Work History
Senior Underwriter
PennyMac Financial Services
Tampa, FL
05.2024 - Current
- Conducte detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Monitore pipeline activity to ensure timely processing of all loans within established service level agreements.
- Complete full review of Delegated Correspondent applications for FNMA, FHLMC, Jumbo, FHA & VA.
Residential Real Estate Agent
Keller Williams
Tampa, FL
12.2023 - Current
- Implemented various methods of lead generation such as cold calling or door knocking campaigns.
- Drafted and negotiated purchase agreements, leases, and other real estate transactions.
- Provided guidance to clients throughout the entire home buying process.
- Collaborated with mortgage brokers and lenders to secure financing options for buyers.
- Developed marketing strategies to promote the sale of residential properties.
Senior Underwriter
Pentagon Federal Credit Union
Tampa, FL
02.2022 - 05.2023
- Assisted quality control teams in reviewing closed loans for adherence to established guidelines.
- Reviewed loan applications and evaluated creditworthiness of borrowers.
- Completed condo reviews to ensure projects meet investor guidelines.
- Shared expertise with junior underwriters through mentorship and guidance during their learningprocess.
Senior Underwriter
Better.com
Tampa, FL
07.2021 - 12.2021
- Maintained up-to-date knowledge of industry trends, best practices, government regulations, market conditions.
- Tracked changes in underwriting guidelines issued by investors or agencies such as Fannie Mae or Freddie Mac.
- Analyzed debt-to-income ratios to ensure borrowers met the requirements of underwriting guidelines.
- Monitored pipeline activity to ensure timely processing of all loans within established service level agreements.
- Assessed risk factors associated with loan requests to determine whether they meet established criteria for approval.
Senior Underwriter
Bank of America
Tampa, FL
04.2013 - 07.2021
- Manage a high volume of refinance, purchase and home equity loan applications.
- Analyze tax returns to determine qualifying income sources.
- Examine all documentation including title, insurance, income, credit & appraisal.
- Consistently a top performer in quality of work and total production.
- Identify opportunities to maximize team efficiency and production.
- Conduct 2nd review of peer’s files to ensure quality standards are met.
Education
Master of Arts - Business Administration
Florida International University
12-2015
Master of Arts - Business Administration
Saint Leo University
Saint Leo, FL06-2005
Skills
- Collaboration
- Risk Assessments
- Data Collection
- Credit analysis
- Guidelines knowledge
- Training and mentoring
- Risk Management
Timeline
Senior Underwriter
PennyMac Financial Services
05.2024 - Current
Residential Real Estate Agent
Keller Williams
12.2023 - Current
Senior Underwriter
Pentagon Federal Credit Union
02.2022 - 05.2023
Senior Underwriter
Better.com
07.2021 - 12.2021
Senior Underwriter
Bank of America
04.2013 - 07.2021
Master of Arts - Business Administration
Florida International University
Master of Arts - Business Administration
Saint Leo University
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