Nicole Navarro-McCutchan
Portland,OR
Summary
Dynamic mortgage professional specializing in processing and underwriting with excellent attention to detail. Committed to leveraging analytical skills to enhance efficiency and ensure compliance in all loan transactions while providing strong customer service and results.
Overview
10
10
years of professional experience
Work History
Mortgage Loan Officer Assistant
Rain City Capital, LLC
10.2023 - 02.2026
- Processed and managed a pipeline loans from creation all the way through post closing, ensuring compliance with regulations and internal policies.
- Managed daily foreclosure auction sales, check ordering and incoming loans.
- Managed communication with clients and the required documents needed, providing updates on loan status and addressing inquiries including document review.
- Developed training materials for new LOA's to strengthen their success in the role as well as procedure user guides for borrowers.
- Facilitated and managed third party orders for required items for loans including property comparables and property due diligence.
Mortgage Loan Underwriter
Rain City Capital, LLC
11.2020 - 10.2023
- Evaluated loan submissions assessing borrower and property risk and establishing loan conditions and approvals.
- Streamlined processes between departments including creating tools to help strengthen processing's review with DSCR Loans.
- Assisted in the implementation of new underwriting tools and strengthening efficiencies within the department including DSCR items to help strengthen the processing team.
- Researched property comparables to establish and support underwriting value opinion for loans.
- Maintained consistent communication and compliance within the guidelines with note buyers.
Regional Operations Manager /Senior Loan Processor
Rain City Capital, LLC
01.2016 - 11.2020
- Oversaw daily operations and loans for Oregon team to ensure compliance and efficiency for multiple loan officers.
- Pioneered workflows by implementing best practices in data management and process improvements across many departments.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Managed a high-volume pipeline of different type of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Collaborated with the COO and Servicing Director to research the compliance and lending restrictions and requirements in new market areas of lending interest.
Education
Business Management
Rogue Community College
Grants Pass, ORSkills
- Expertise in Processing and Underwriting compliance and proficiency in DSCR, Bridge, Fix and Flip and GUC loans with the ability to multitask and adapt
- Advanced knowledge in software's including Microsoft 365 and Valulink and excel
- Natural ability to identify weaknesses in processes and help offer improvement processes when appropriate
- Clifton Strengths Assessment - Strategic, Restorative, Achiever, Learner, Developer
- Extremely versatile with the ability to plug in where needed across departments
Timeline
Mortgage Loan Officer Assistant
Rain City Capital, LLC
10.2023 - 02.2026
Mortgage Loan Underwriter
Rain City Capital, LLC
11.2020 - 10.2023
Regional Operations Manager /Senior Loan Processor
Rain City Capital, LLC
01.2016 - 11.2020
Business Management
Rogue Community College