NIECOLE RODGERS
Jacksonville
Summary
Senior Mortgage Underwriter with 10+ years of experience in QM and Non-QM lending, known for making clear, consistent credit decisions in fast-paced environments. Strong background in complex income analysis, risk assessment, and working cross-functionally to move loans efficiently from submission to closing.
Overview
14
14
years of professional experience
Work History
Senior Non-QM Mortgage Underwriter
SpringEQ
06.2025 - 03.2026
- Underwrote complex Non-QM loans including Bank Statement, DSCR, and Jumbo products
- Managed high-volume pipeline while meeting strict SLAs
- Reviewed income, assets, and credit to assess borrower risk
- Cleared conditions efficiently to maintain momentum to closing
- Evaluated mortgage applications for compliance with guidelines and regulations.
- Analyzed financial statements and credit reports to assess borrower risk.
Senior Non-QM Mortgage Underwriter
One American Mortgage
04.2022 - 01.2025
- Underwrote Non-QM loan products including self-employed and asset-based loans
- Delivered consistent decisions aligned with investor guidelines
- Collaborated with loan officers to clarify documentation requirements and resolve issues.
- Reviewed appraisal reports to ensure property value aligns with loan amount requested.
- Evaluated mortgage applications for compliance with guidelines and regulations.
- Analyzed financial statements and credit reports to assess borrower risk.
Senior Mortgage Loan Underwriter
One American Mortgage
05.2021 - 04.2022
- Evaluated loan files for completeness and borrower eligibility
- Verified income, assets, and credit
- Issued clear conditions to streamline processing
- Evaluated borrower financial documents to determine loan eligibility and risk assessment.
- Collaborated with loan officers to streamline underwriting processes and improve turnaround times.
Senior Mortgage Underwriter
First Guaranty Mortgage Corporation
04.2019 - 05.2021
- Performed full credit and income analysis
- Rendered underwriting decisions within authority
- Ensured compliance with guidelines
- Evaluated complex mortgage applications to ensure compliance with regulatory guidelines and company policies.
- Analyzed credit reports, income documentation, and asset verification for risk assessment and underwriting decisions.
Mortgage Underwriter
Clayton Holdings LLC
08.2012 - 03.2019
- Reviewed loan files for accuracy and compliance
- Analyzed borrower financial profiles
- Collaborated with teams to maintain loan flow
- Evaluated mortgage applications for compliance with underwriting guidelines and risk assessment criteria.
- Analyzed credit reports and financial documents to determine borrower eligibility and loan viability.
Education
High School Diploma -
Robert E. Lee High School
Skills
- QM & Non-QM Underwriting
- DU / LP (AUS) & Manual UW
- Income Analysis (Self-Employed, Complex)
- Credit Risk Assessment
- Encompass & Loan Systems
- Condition Management & File Flow
- Pipeline & Turn Time Management
- Compliance & Investor Guidelines
- Cross-Functional Communication
Timeline
Senior Non-QM Mortgage Underwriter
SpringEQ
06.2025 - 03.2026
Senior Non-QM Mortgage Underwriter
One American Mortgage
04.2022 - 01.2025
Senior Mortgage Loan Underwriter
One American Mortgage
05.2021 - 04.2022
Senior Mortgage Underwriter
First Guaranty Mortgage Corporation
04.2019 - 05.2021
Mortgage Underwriter
Clayton Holdings LLC
08.2012 - 03.2019
High School Diploma -
Robert E. Lee High School