Summary
Overview
Work History
Education
Skills
Timeline
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Nicole Wolfe

Kissimmee,FL

Summary

Professional and highly skilled mortgage underwriter with over 10 years of experience in loan analysis, risk assessment, and process improvement. Successfully proven record of accomplishment in mitigating risk, meeting service level objectives and working efficiently in a fast-paced environment. Consistently in top percentage for excellent quality of loans for audits.

Overview

10
10
years of professional experience

Work History

Senior Mortgage Underwriter (Contract)

Mphasis
09.2024 - Current
  • Company Overview: Digital Risk
  • Review loan applications and loan documentation to determine an acceptable loan approval along with mitigating risk
  • Communicate with sales and processing regarding stipulations required to satisfy underwriting agency guidelines
  • Create counteroffers, escalate reviews for exceptions, and managed pipeline of loans for 2 levels of lending authority
  • Digital Risk

Senior Mortgage Underwriter

Discover Bank
06.2023 - 07.2024
  • Company Overview: Discover Home Loans
  • Evaluate first/final reviews, and second line reviews of peer's loans
  • Analyze credit reports, title, appraisal, insurance, hoa’s, liens, judgments, and loan modifications in manual underwriting
  • Oversee the scenario desk, responding to inquiries from loan officers, application for loan processors/originators regarding loan scenarios, product guidelines, and underwriting criteria
  • Discover Home Loans

Conv/Jumbo/FHA Underwriter

Green state CU
09.2020 - 11.2022
  • Underwrite loan applications for multifamily/single family homes
  • Ensure the accuracy and compliance of conventional loans, non-delegated loans, FHA loans, jumbo, and managing our scenario desk
  • Restructure loan terms and issue approvals and declines

Mortgage Underwriter II

Digital Risk
09.2019 - 09.2020
  • Reviewed complex loan documentation for first loan applications
  • Analyzed pipeline of loans in post closing prior to investor purchase for loss mitigation
  • Resolved difficult and challenging problems and finds potential or innovative solutions for front and back end of the loan process

Mortgage UW/Processing Team Lead

DHI Mortgage
07.2017 - 09.2019
  • Company Overview: DR Horton
  • Completed a comprehensive review on construction loan applications for Conventional, FHA, USDA, VA, and DPA agencies
  • Manage, train, and coach a team of loan processors
  • Pull daily investor reporting to load balance loan files
  • Pre-screened application with sales, reviewing FNMA guidelines advised on potential risk, cost involved, summarising risk mitigation
  • DR Horton

Conventional Wholesale Mortgage Underwriter

Gold Star Mortgage
06.2015 - 11.2016
  • Examine applications and reports for commercial/residential appraisal, credit, income, purchase contracts and DPA programs
  • Ensure compliance with state and federal regulations, in addition to underwriting guidelines from FHLMC, FNMA, MI Companies
  • Worked on special projects auditing other underwriter's loans to ensure it met investor guidelines to avoid port-folioing the loan

Education

R.E. Appraisal - Real Estate

Hillsborough Community College
Tampa, FL

Associate Of Applied Arts - General Studies

University of Miami
Coral Gables, FL

High School Diploma -

Palatka High School

Skills

  • Credit Risk Management
  • Risk Assessment
  • Mitigation
  • Multifamily
  • Construction
  • Residential
  • Commercial
  • AUS
  • DUS
  • GUS
  • CRM
  • Fannie Mae
  • Freddie Mac
  • MS Office Suite

Timeline

Senior Mortgage Underwriter (Contract)

Mphasis
09.2024 - Current

Senior Mortgage Underwriter

Discover Bank
06.2023 - 07.2024

Conv/Jumbo/FHA Underwriter

Green state CU
09.2020 - 11.2022

Mortgage Underwriter II

Digital Risk
09.2019 - 09.2020

Mortgage UW/Processing Team Lead

DHI Mortgage
07.2017 - 09.2019

Conventional Wholesale Mortgage Underwriter

Gold Star Mortgage
06.2015 - 11.2016

High School Diploma -

Palatka High School

R.E. Appraisal - Real Estate

Hillsborough Community College

Associate Of Applied Arts - General Studies

University of Miami

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Nicole Wolfe