Summary
Overview
Work History
Education
Skills
Timeline
Generic

Nikesea Crump

Chandler,AZ

Summary

Organized Origination's Manager with successful history of managing competing priorities and meeting challenging performance targets. Works well under pressure to complete physically-demanding work. Safety-oriented team player with strong attendance record. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Senior Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.

Overview

22
22
years of professional experience

Work History

Autonomous Vehicle Technician

Cruise
05.2023 - Current
  • Collaborated with other Technicians in the Phoenix Market, Field Engineering, Operations, and multiple other groups across the company
  • Supported groups in optimizing fleet utilization rate
  • Assisted technician team on service and repair of electrical, mechanical, and integration issues on autonomous vehicles and their equipment
  • Created repair orders, documented improvements and issues
  • Participated in continuing education and training
  • Assisted with fleet-wide hardware and software retrofits.
  • Completed full vehicle inspections to check for leaks, damage, or other issues of concern
  • Performed diagnostic and troubleshooting procedures to find and identify root causes of mechanical issues

Underwriting Manager

Homepoint
06.2019 - 04.2023
  • Took ownership of portfolio, acted with a sense of urgency, and ensured effective completion of tasks
  • Monitored loan and portfolio performance post-closing
  • Implemented credit and regulatory policies
  • Developed client relationships
  • Worked proactively with internal and external contacts to keep transactions moving
  • Underwrote FHA, VA, and Fannie Mae loans
  • Maintained compliance with lending, underwriting, and government requirements
  • Worked well in a team setting, providing support and guidance.
  • Passionate about learning and committed to continual improvement.
  • Developed strategic plans for day-to-day financial operations.
  • Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
  • Created financial dashboards to provide insights into key performance indicators.
  • Complied with established internal controls and policies.
  • Collaborated with C-level executives and stakeholders to develop long-term financial plans.

Sr. Underwriter

First American Financial Corporation
09.2013 - 03.2019
  • Reviewed documents and calculated worksheets to meet guidelines
  • Followed Fannie Mae and Freddie Mac guidelines
  • Maintained underwriting quality score
  • Balanced loan-volume growth with underwriting quality
  • Leveraged knowledge of loan products
  • Determined reinsurance needs
  • Evaluated premium audit referrals
  • Underwrote various types of loans.
  • Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement
  • Analyzed data to identify trends and predict future insurance needs
  • Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications
  • Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment

Underwriter II

JP Morgan Chase
02.2010 - 08.2013
  • Managed pipeline of over 500k
  • Acquired loan approval within 30 days
  • Analyzed credit reports and ordered verifications
  • Underwrote conforming and nonconforming loans
  • Had signing authority
  • Handled various loan types.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Verified integrity of applicants' information to minimize fraud.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
  • Monitored pipelines to track and log status of loans.
  • Compiled closing packages for drafting and presentation accuracy.
  • Processed loan applications and monitored progress from start to finish.


Processor / Sr. Processor Manager

JP Morgan Chase
10.2004 - 01.2010
  • Led staff members, hired, trained, and increased productivity
  • Processed FHA, VA, and Conventional loans
  • Implemented workflow improvements
  • Ensured team met expected turn times
  • Informed team of new guidelines
  • Adhered to regulations
  • Collected information and ordered necessary documents.
  • Provided strong leadership to enhance team productivity and morale
  • Implemented and developed operational standards, policies and procedures
  • Evaluated hiring, firing, and promotions requests
  • Boosted team member productivity by enhancing performance monitoring and instituting motivational approaches
  • Held monthly meetings to create business plans and workshops to drive successful business
  • Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions

Business Owner

Pizza Mia
04.2002 - 09.2006
  • Increased client satisfaction by implementing innovative business strategies and streamlining processes.
  • Enhanced company profitability by reducing overhead costs and negotiating favorable contracts with suppliers.
  • Expanded market reach with targeted marketing campaigns and strategic partnerships.
  • Developed a high-performing team through effective recruitment, training, and performance management.
  • Established strong customer relationships through excellent communication and attentive service.
  • Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
  • Monitored daily cash discrepancies, inventory shrinkage and drive-off.
  • Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports.
  • Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.

Loss Mitigation Specialist III

JP Morgan Chase
06.2002 - 10.2004
  • Wrote and implemented department procedures
  • Negotiated repayment plans and short sales
  • Monitored and collected delinquent account data
  • Performed borrower financial evaluations
  • Initiated contact with borrowers
  • Approved mortgage loan modifications
  • Reviewed loan files
  • Ensured compliance with policies and procedures
  • Retrieved and audited recorded instruments
  • Maintained knowledge of mortgage laws.
  • Helped customers navigate options to maintain homeownership
  • Assessed clients' financial data to determine loan suitability
  • Reached out to borrowers to discuss current status and loan workout options
  • Provided reinstatement and payoff quotes to clients
  • Explained legal aspects of loan to borrower, as well as payment terms and clauses
  • Proactively identified solutions for customers experiencing credit issues
  • Assessed clients' financial data to determine loan suitability.
  • Helped customers navigate options to maintain homeownership.
  • Identified opportunities to cross-sell and upsell loan products to customers.

Education

High school diploma -

James Madison High School
Norcross, GA
05.2001

Skills

  • Customer Service
  • Funds Management
  • Data Inputting
  • Regulatory Compliance
  • Residual Incomes
  • Debt-to-Income Ratios
  • Residential Mortgage Lending Regulations
  • Credit File Updating
  • Credit History Review
  • Loan File Maintenance
  • Loan Processing Coordination
  • Automated Underwriting System (AUS)

Timeline

Autonomous Vehicle Technician

Cruise
05.2023 - Current

Underwriting Manager

Homepoint
06.2019 - 04.2023

Sr. Underwriter

First American Financial Corporation
09.2013 - 03.2019

Underwriter II

JP Morgan Chase
02.2010 - 08.2013

Processor / Sr. Processor Manager

JP Morgan Chase
10.2004 - 01.2010

Loss Mitigation Specialist III

JP Morgan Chase
06.2002 - 10.2004

Business Owner

Pizza Mia
04.2002 - 09.2006

High school diploma -

James Madison High School

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Nikesea Crump