Nickita Breaux
Houston
Summary
Strategic and service-driven financial professional with a strong record of driving profitability, fostering public-private partnerships, and executing credit, risk, and compliance strategies across financial institutions. Adept at community advocacy and capacity building while ensuring fiscal accountability and regulatory adherence. Known for excellence in analyzing complex credit portfolios, underwriting high-value loans, and providing mentoring that elevates team performance. Adept communicator with significant experience building trust among clients, stakeholders, and community partners.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Vice President, Southeast Region | Executive Committee Member
SCORE
Houston
11.2024 - Current
- Spearhead workshop development, outreach, and partnership engagement across SCORE’s Central Area.
- Strengthen organizational visibility by collaborating with financial institutions, chambers, and community leaders.
- Lead initiatives that deliver mentorship, education, and tools to small business owners and entrepreneurs.
- Represent SCORE in public forums, professional boards, and civic engagements to drive program participation.
Business Development Officer
Unity National Bank
Houston
11.2022 - Current
- Manage business and consumer banking portfolios; assess risk and ensure regulatory compliance.
- Analyze financial statements and structure loan agreements in partnership with credit and lending teams.
- Promote community presence by participating in professional events, CRA activities, and bank initiatives.
- Monitor portfolio performance, prepare risk assessments, and drive growth through relationship management.
Senior FHA, VA LAPP, and Conventional Underwriter
Cornerstone Lending
Houston
07.2016 - 06.2022
- Conducted detailed credit analyses for FHA, VA, and conventional mortgage loans.
- Trained underwriting staff and upheld federal compliance standards in all loan approvals.
- Reviewed complex tax and financial documentation, ensuring salability to investors.
- Ensured compliance with AML, RESPA, HMDA, and other lending laws.
Senior Mortgage Underwriter (Contract)
Citibank
Houston
01.2015 - 07.2016
- Assessed creditworthiness of self-employed and investor clients; analyzed financial statements and tax returns.
- Developed financial reports, ensured accuracy in documentation, and supported underwriting staff training.
Senior Commercial Underwriter (Contract)
Unity National Bank
Houston
10.2014 - 01.2015
- Advised originators on loan qualifications and borrower needs.
- Reviewed commercial loan structures and maintained CRA documentation for board reporting.
Commercial Underwriter (Contract)
Accord Business Funding
Houston
06.2014 - 08.2014
- Underwrote commercial credit, analyzed industry risk, and supported process improvements.
- Developed documentation and coordinated payroll entries with department leaders.
Underwriter (Contract)
Cobalt Mortgage
Houston
09.2013 - 12.2013
- Reviewed residential and commercial loan applications with focus on credit analysis.
- Translated underwriting guidelines and trained junior staff.
Senior Underwriter
J.P. Morgan Chase
Houston
04.2012 - 09.2013
- Analyzed borrower and company financials; developed forecasting and underwriting strategies.
- Collaborated with lending staff and verified compliance with Chase loan policies.
Senior Underwriter
Sutherland Global Services
Houston
08.2010 - 04.2012
- Reviewed small business loan applications; supported third-party originator evaluations.
- Provided escalated credit analysis, assisted junior analysts, and negotiated credit enhancements.
Credit Underwriter Analyst III
CitiFinancial Auto
Houston
05.2007 - 08.2010
- Evaluated auto loan packages and ensured accuracy of income verification.
- Led Voice of the Employee committee; served as liaison for HR and payroll audits.
Community Loan Underwriter Analyst II
World Savings Bank (Wells Fargo)
Houston
11.2003 - 05.2007
- Managed $10M monthly wholesale loan portfolio.
- Educated brokers and underwriters on loan products, underwriting practices, and compliance.
Education
Certification - Entrepreneurship and Leadership
Cornell University
01.2023
Bachelor of Science - Business Management
University of Phoenix
Houston, TX01.2005
Skills
- Credit Analysis & Financial Forecasting
- Risk Management
- Regulatory Compliance (FCRA, SOX)
- Community & Economic Development
- Client-Centered Banking Solutions
- CRA Engagement
- Commercial & Consumer Lending
- Underwriting
- Loan Structuring
- Portfolio Management
- Strategic Partnerships
- Business Development
- Public Engagement
- Community Branding
- Training & Mentorship
- Process Improvement
- Communication & Media Relations
Certification
- Notary Public – State of Texas
- FHA Direct Endorsement (DE)
- VA Lender Appraisal Processing Program (LAPP)
- Credit Underwriting Certification – Wells Fargo
- Business Accounting & Bookkeeping – Excel with Business
- FHA/VA Loan Certification – Capstone Institute
- Federal Tax Preparation Certification – Liberty Tax
Affiliations
- NAACP Houston Chapter | 2024 Texas State Delegate
- Economic Development Chair, NCNW Barbara Jordan Chapter (2023–Present)
- United Way of Greater Houston – Women’s Initiative Member
- Houston Money Week – Executive Committee Member
- Member – Top Ladies of Distinction
- Member – Order of the Eastern Star
Timeline
Vice President, Southeast Region | Executive Committee Member
SCORE
11.2024 - Current
Business Development Officer
Unity National Bank
11.2022 - Current
Senior FHA, VA LAPP, and Conventional Underwriter
Cornerstone Lending
07.2016 - 06.2022
Senior Mortgage Underwriter (Contract)
Citibank
01.2015 - 07.2016
Senior Commercial Underwriter (Contract)
Unity National Bank
10.2014 - 01.2015
Commercial Underwriter (Contract)
Accord Business Funding
06.2014 - 08.2014
Underwriter (Contract)
Cobalt Mortgage
09.2013 - 12.2013
Senior Underwriter
J.P. Morgan Chase
04.2012 - 09.2013
Senior Underwriter
Sutherland Global Services
08.2010 - 04.2012
Credit Underwriter Analyst III
CitiFinancial Auto
05.2007 - 08.2010
Community Loan Underwriter Analyst II
World Savings Bank (Wells Fargo)
11.2003 - 05.2007
Certification - Entrepreneurship and Leadership
Cornell University
Bachelor of Science - Business Management
University of Phoenix
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