Summary
Overview
Work History
Education
Skills
Timeline
Generic

Niesha Gordon

Bolingbrook,IL

Summary

Dedicated Sr. Processor / Underwriting professional with 10+ years in the mortgage industry analyzing and processing loans. Team player who caters to customers’ needs while providing the most valuable solution. Excellent interpersonal, organizational, and time management skills.

Overview

19
19
years of professional experience

Work History

Consumer Access Specialist

AdventHealth
Bolingbrook, IL
03.2023 - Current
  • Accountable for maintaining a working relationship with clinical partners to ensure open communication between clinical, ancillary, and patient access departments, which enhances the patient experience.
  • Contacts insurance by phone, fax, online portal, and other resources to obtain and verify insurance eligibility and benefits, and determine extent of coverage within established timeframe before scheduled appointments, and during or after care for unscheduled patients. Verifies medical necessity in accordance with Centers for Medicare & Medicaid Services (CMS) standards and communications relevant coverage/eligibility information to patient.
  • Obtains pre-authorization from third-party payers in accordance with payer requirements and within established timeframe before scheduled appointments.
  • Corrects demographic, insurance, or authorization-related errors and pre-bill edits.
  • Register patients for all services (i.e., emergency room, outpatient, inpatient observation, same day surgery, outpatient in a bed, etc.,)
  • Performs Medicare compliance review on all applicable Medicare N forms, as needed.
  • Creates accurate estimates to maximize up-front cash collections and adds collections documentation where required.
  • Calculates patient's co-pays, deductibles, and co-insurance. Provides patients with personalized estimates of their financial responsibility based on their insurance coverage.

Underwriter Support Specialist

Homepoint Financial
Ann Arbor, MI
07.2021 - 09.2022
  • Supported review and acceptance or denial of new or renewal business.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
  • Gathered and verified documents in loan files, such as credit reports, loan applications, title policies, appraisals, and made sure financial statements are current and accurate.
  • Signed off on underwriting loan conditions according to underwriting guidelines as well as served as the liaison for the underwriting team.
  • Prioritized, tracked and managed the loan underwriting process in order to meet deadlines and ensure timely submission to the underwriting team.
  • Communicated Underwriting decision to Broker
  • Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
  • Analyzed financial information including income, assets, liabilities and credit history of applicants.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
  • Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
  • Established maximum loan amounts according to underwriting standards and communicated decisions to customers.

Loan Coordinator

Home Point Financial
Ann Arbor, MI
03.2020 - 07.2021
  • Monitored pipeline of 100 to 150 loans to track and log status of loans.
  • Assist brokers in meeting outstanding conditions, underwriting conditions, compliance needs and provide customer service to clients.
  • Proactively manage target closing dates, upon an underwriting conditional approval decision
  • Communicate and work with client to understand and upload underwriting conditions on suspended or approved loans
  • Review conditions received for accuracy, making notes in file for underwriter
  • Complete back office pre-closing functions for Wholesale including including review of closing protection letter, homeowner insurance policy, title commitment, lock reconciliation, closing request form, preliminary closing disclosure
  • Complete Undisclosed Debt Monitoring, update 1003, run final DU/LP,
  • Validate LDP, GSA
  • Liaison between the broker and Underwriter

Wholesale Loan Coordinator

Land Home Financial
Oakbrook Terrace, IL
09.2016 - 09.2020
  • Submitted loan applications to underwriter for verification and recommendations.
  • Developed and maintained relationships with Mortgage Brokers.
  • Monitored pipelines to track and log status of loans.
  • Acted as the primary point of contact for Brokers during the application process and provided exceptional customer service.
  • Consulted brokers on a case-by-case basis to gather the necessary information to streamline the mortgage application process.
  • Ensured underwriters received a completed loan package to review as well as handled scheduling for all loan closings.
  • Managed a pipeline f 100-150 loans

Home Specialist II

Bank Of America
Rolling Meadows, IL
09.2005 - 07.2016
  • Reviewed and executed confidential documents, contracts and disclosures.
  • Established positive flow of communication with agents, clients, attorneys and personnel involved in closing transactions.
  • Collaborated with attorneys, loan officers and agencies to complete property sales and purchases and thoroughly explained all financial requirements and data to potential buyers and sellers.
  • Managed a pipeline of 50 plus home loans of conventional, non-conforming, confirming, purchases, and refinance
  • Developed an excellent relationship with borrowers through verbal and written communication to ensure they had a great experience.
  • Signing authority of Mortgage history, assets documentation, verification of employment, Title
  • Gather underwriting conditions from borrower
  • Schedule closings
  • Run DU/LP
  • Provide weekly status to loan officers, regarding status of files
  • Work with Title companies to resolve title issues
  • Manage closing dates, and lock expirations

Education

High School Diploma -

Bolingbrook High School
Bolingbrook, IL
06.1995

Skills

  • Customer Interaction
  • Desktop Underwriter
  • Underwriting Understanding
  • Property Appraisals
  • Patient Education
  • Insurance Verification
  • HIPAA Compliance
  • Multitasking and Organization
  • Insurance company knowledgeable
  • Money Handling
  • Medical Terminology
  • Eligibility Determination
  • Patient Registration
  • Encompass
  • Desktop Underwriter
  • Loan prospector

Timeline

Consumer Access Specialist

AdventHealth
03.2023 - Current

Underwriter Support Specialist

Homepoint Financial
07.2021 - 09.2022

Loan Coordinator

Home Point Financial
03.2020 - 07.2021

Wholesale Loan Coordinator

Land Home Financial
09.2016 - 09.2020

Home Specialist II

Bank Of America
09.2005 - 07.2016

High School Diploma -

Bolingbrook High School

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Niesha Gordon