Nicole Platt
Summary
Detail-oriented and certified professional with over 20 years in underwriting. Known for strong analytical skills and regulatory compliance, contributing to effective loan evaluations and risk assessments across various loan types.
Overview
21
21
years of professional experience
Work History
Sr. Underwriter
Intercoastal Mortgage
Fairfax, VA
02.2020 - Current
- Evaluated loan applications for risk and compliance with industry standards.
- Reviewed property appraisals to ensure alignment with loan values and guidelines.
- Managed manual VA/FHA loans and construction-to-permanent loans, ensuring compliance with lending guidelines.
- Executed jumbo manual underwriting for various investors, achieving high accuracy in risk assessments.
- Certified VA SARs to facilitate the loan approval process.
- Monitored multiple tasks under pressure, maintaining meticulous attention to detail in loan evaluations.
- Possessed extensive knowledge of Encompass software, enhancing operational effectiveness.
- Maintained DE FHA certification since 2013, ensuring regulatory compliance.
Sr. Underwriter
JG Wentworth Home Lending
Woodbridge, VA
10.2012 - 02.2020
- Mentored junior underwriters on best practices and regulatory compliance, improving team competency.
- Reviewed FHA, VA, and conventional appraisals for accuracy and compliance.
- Cultivated relationships with sales processors and closers to streamline loan processing.
- Operated effectively in high-production environments to meet tight deadlines.
- Managed FHA streamline, FHA purchase, FHA 203k renovation, and VA cash-out transactions.
- Executed manual jumbo loans with multiple investors, maintaining strict adherence to compliance guidelines.
- Facilitated homestyle renovations and conventional loan processes efficiently.
Underwriter III
Wells Fargo
West Des Moines, Iowa
10.2009 - 10.2012
- Maintained current understanding of industry trends, regulations, and compliance requirements.
- Conducted complex loan decisions for renovation FHA and conventional mortgages.
- Collaborated with loan consultants, leveraging five years of experience to drive effective partnerships.
- Ensured exceptional customer service through extensive product knowledge.
- Conducted daily research to strengthen understanding of FHA and conventional guidelines, ensuring compliance.
- Analyzed personal and business tax returns to determine loan eligibility accurately.
- Reviewed financial statements and credit reports for completeness and accuracy.
- Obtained FHA DE certification by successfully passing audits, demonstrating adherence to government regulations for loan approvals.
Senior Loan Consultant/ Assistant Manager
Integrity Lending
Mesa, Arizona
03.2005 - 12.2008
- Achieved top 10 ranking among 100 loan officers in 2005 and 2006 by consistently closing high-volume loans.
- Cultivated relationships with over 30 realtors, contributing to top 10 production ranking.
- Organized and managed a team of mortgage professionals to streamline operations and improve service delivery.
- Led and mentored newly hired employees on various company programs, enhancing their onboarding experience.
- Researched guidelines and products daily with over 20 lenders to ensure clients were offered the best possible product
Education
Bachelor of Arts - Finance
University of Northern Iowa
Cedar Falls, IA12-2002
Skills
- Risk management
- Certified professional
- SAR certification
- Complex problem solving
- 20 years experience
- Team collaboration
- FHA Direct Endorsement (DE)
Timeline
Sr. Underwriter
Intercoastal Mortgage
02.2020 - Current
Sr. Underwriter
JG Wentworth Home Lending
10.2012 - 02.2020
Underwriter III
Wells Fargo
10.2009 - 10.2012
Senior Loan Consultant/ Assistant Manager
Integrity Lending
03.2005 - 12.2008
Bachelor of Arts - Finance
University of Northern Iowa