Nicole Morris
Surprise,AZ
Summary
Seasoned Mortgage Quality Assurance, Mortgage and P&C Insurance Operations professional with 15 years of experience in mortgage origination, processing, and regulatory compliance. Expertise in auditing operations, evaluating call quality, and identifying regulatory risks across Conventional, FHA, VA, USDA, and HELOC lending. Committed to enhancing quality through detailed file reviews and coaching.
Overview
1
1
Certification
2027
2027
years of professional experience
Work History
Mortgage Quality Assurance Auditor / Risk & Compliance
Millennium (Assigned to USAA)
07.2024 - 06.2026
- Audited loan officers, loan officer assistants, processors, closers, and post-closing teams for quality and regulatory compliance, ensuring adherence to industry standards.
- Reviewed recorded customer interactions using NICE, Engage, and Gridspace to identify trends and enhance customer service quality.
- Partnered with leadership to improve quality standards and reduce operational risk while consistently meeting production goals.
- Collaborated with leadership to enhance quality standards and mitigate operational risk, aligning efforts with production goals.
Loan Officer Assistant
TriPoint Connect
12.2022 - 06.2024
- Facilitated residential mortgage loans from application through closing, ensuring a smooth process for borrowers.
- Prepared disclosures and collected borrower documentation while coordinating with underwriting, escrow, and title to expedite loan processing.
- Assisted in Conventional, FHA, VA, and USDA transactions, ensuring compliance with regulatory standards and service excellence.
Mortgage Processor / Licensed Property & Casualty Agent
USAA
01.2018 - 01.2023
- Processed residential mortgage files, reviewing income, assets, credit, title, and conditions through closing to ensure accuracy and compliance.
- Maintained pipeline of 20-30 loans, consistently meeting deadlines and ensuring compliance with investor and regulatory standards.
- Served as licensed Property & Casualty Insurance Agent, assisting members with auto, homeowners, renters, and umbrella insurance policies.
- Provided quotes and sales for auto, homeowners, and valuable property insurance, delivering exceptional customer service.
Processor / Loan Officer Assistant
Finance of America Mortgage
- Coordinated loan processing with borrowers, underwriting, escrow, and title departments.
- Processed loan applications efficiently to ensure timely approvals.
- Reviewed documentation for accuracy and compliance with regulatory requirements.
- Collaborated with team members to streamline workflow and enhance productivity.
Loan Officer
LoanDepot
- Originated mortgage loans across 20 states, specializing in Conventional, FHA, VA, USDA, and HELOC products, enhancing client access to diverse financing options.
- Received Rising Star award for exceptional performance in sales, Top Performer award 2 months consecutively.
- Evaluated client financial profiles to determine loan eligibility and risk assessment.
- Guided clients through loan application processes, ensuring clarity and compliance with regulations.
- Developed strong relationships with clients, enhancing trust and facilitating open communication.
Loss Mitigation Specialist / Work Director
Wells Fargo Home Mortgage
01.2012 - 01.2014
- Oversaw loan modifications, foreclosure prevention, HAMP/HARP programs, and regulatory documentation to ensure compliance and support borrower needs.
- Analyzed customer accounts to identify potential loss mitigation options.
- Developed tailored repayment plans for borrowers facing financial hardships.
- Collaborated with internal teams to streamline loan modification processes.
Skills
- Mortgage Quality Assurance (QA/QC)
- Regulatory compliance
- Loan Processing
- Mortgage Operations
- Desktop Underwriter (DU)
- FHA
- VA
- Conventional
- USDA
- HELOC
- TRID
- RESPA
- TILA
- ECOA (Reg B)
- HMDA
- Fair Lending
- Encompass
- Mortgage Cadence
- NICE, Engage, Gridspace
- SharePoint
- Box
- Microsoft Office
Certification
- Former Licensed Mortgage Loan Originator
- Former Licensed Property & Casualty Insurance Agent
Timeline
Mortgage Quality Assurance Auditor / Risk & Compliance
Millennium (Assigned to USAA)
07.2024 - 06.2026
Loan Officer Assistant
TriPoint Connect
12.2022 - 06.2024
Mortgage Processor / Licensed Property & Casualty Agent
USAA
01.2018 - 01.2023
Loss Mitigation Specialist / Work Director
Wells Fargo Home Mortgage
01.2012 - 01.2014
Processor / Loan Officer Assistant
Finance of America Mortgage
Loan Officer
LoanDepot