Hi, I’m
Nilsa Medina
Orlando,FL
Summary
Seeking a position in a professional environment, where there is a need for a variety of office management tasks including – computer knowledge, organizational abilities, business intelligence and database program use. Skills & Abilities as Financial Services professional including Mortgage, Retail banking, Front End and Risk assessment areas. Extensive knowledge of banking regulations, mortgage programs including FHA, USDA, VA, Conventional loans FNMA & FHLMC. Hands on experience and proficiency on release and updates on banking software systems as Horizon, Empower, Encompass, and Citrix.
Overview
16
years of professional experience
1
Certificate
Work History
Navy Federal Credit Union- TEKsystems
Underwriter
05.2023 - Current
Job overview
- Performed underwriting, credit analysis, and appraisal reviews for conventional loans.
- Evaluated income information of both W-2 and self-employed applicants by examining title documentation within the eastern, southeastern, and central regions.
- Developed credit policies, guidelines, and approval criteria including DTI, LTV/CLTV ratios, and compensating factors.
DHI Mortgage
Underwriter
08.2021 - 04.2023
Job overview
- Evaluated underwriting documents, conducted credit analysis, and performed comprehensive appraisal reviews for new and existing construction properties on FHA, FNMA & FHLMC loans.
- Analyzed income for W2 and self-employed borrowers, conducting income analysis and evaluating title documentation in multiple regions across the east, southeast, and central areas.
- Determined credit policies, guidelines, DTI and LTV/CLTV ratios, as well as compensating factors for credit approval of FNMA, FHLMC regular and community programs, and FHA loans.
- Ensured compliance with applicable regulations and specified closing conditions for conventional and government loans in East, Southeast, Western, and Central regions.
Homepoint
Underwriter
08.2016 - 08.2021
Job overview
- Reviewed home loan applications from TPO brokers, non-delegated originators, and Retail channel to provide initial conditional approval.
- Conducted thorough credit analysis and risk assessment using online tools to provide accurate recommendations.
- Evaluated creditworthiness of applicants by analyzing appraisals, determining credit policies/guidelines/DTI/LTV-CLTV ratios as well as compensating factors required for approving FNMA/FHLMC regular/community program or FHA/VA IRRL loans.
- Provided detailed specifications for closing conditions and compliance with relevant regulations in diverse areas across the Northeast, East, Southeast, Western, and Central regions.
Digital RiskOrlando, FL
Underwriter / Team Lead QC Underwriter/Bk of America, FNMA, FHLM Projects
03.2009 - 08.2016
Job overview
- Bank of America Project, Underwriter (2015 - 2016) - Supported the Bank of America project by ensuring complete and accurate information through comprehensive reviews of loan applications, meticulous completion of income calculations, credit analysis, and risk assessment during 2015-2016.
- Bank of America Project, Underwriter (2015 - 2016) - Evaluated credit policies, guidelines, DTI rates, and LTV/CLTV ratios, along with appraisal analysis and compensating factors, to ensure loan approvals. Established closing requirements in adherence to regulatory standards. Bank of America project during 2015-2016.
- FNMA Performing Loans Project Team Lead (2013 to 2015) - Performed thorough assessments of risk by reviewing completed reports for internal and external QC purposes within the FNMA Performing Loans Project from 2013 until 2015.
- FNMA Performing Loans Project (2013 to 2015) - Enhanced compliance with government regulations and agency quality standards by conducting comprehensive internal QC reviews while ensuring alignment with guidelines, requirements, SLAs, and master contract agreements via remote access to client VPN, platforms, and software.
- FHLMC Forensic QC program Team Lead (2009-2013)- Efficiently trained and instructed new hires in the FHLMC Forensic QC program (2009-2013), enhancing comprehension of business practices, policies, SLA, Master Agreements, and investor scope.
- FHLMC Forensic QC program (2009-2013) - Provided guidance on seller servicer profiles during forensic reviews and implemented improvement strategies to enhance team productivity.
- FHLMC Forensic QC program (2009-2013)- Reviewed various types of income, including self-employment, rental, and corporate tax return income. Analyzed credit, assets, and collateral through appraisal review and title review. Conducted curative work to ensure compliance with program guidelines by recalculating DTI, LTV, and CLTV ratios.
Education
University of Phoenix
Master in Business Administration from Business Administration and Management, General
01.1993
Skills
- DE /CHUMS
- DU/LP/DO/LPA -Underwriting AI proficiency
- Self Employed/Corporate tax returns income analysis
- Caseload/Pipeline Management
- Software Proficiency (Encompass, Empower, Citrix)
- Policy/MA/MC analysis
- Risk Assessment Analysis
- Quality Control/Quality Assurance
- Portfolio Management
- Team lead /supervisor experience
- Repurchase/Loss Prevention
Certification
FHA DE
Languages
English
Native language
Spanish
Advanced (C1)
C1
Timeline
Underwriter
Navy Federal Credit Union- TEKsystems
05.2023 - Current
Underwriter
DHI Mortgage
08.2021 - 04.2023
Underwriter
Homepoint
08.2016 - 08.2021
Underwriter / Team Lead QC Underwriter/Bk of America, FNMA, FHLM Projects
Digital Risk
03.2009 - 08.2016
University of Phoenix
Master in Business Administration from Business Administration and Management, General
Similar Profiles
Katie SchneiderKatie Schneider
Consumer Loans MSR II at Navy Federal Credit UnionConsumer Loans MSR II at Navy Federal Credit Union
Abigail HoobingAbigail Hoobing
Consumer Loan Specialist at TEKsystems- Navy Federal Credit UnionConsumer Loan Specialist at TEKsystems- Navy Federal Credit Union
James CloseJames Close
Fraud Specialist - Contractor at TEKsystems / Navy Federal Credit UnionFraud Specialist - Contractor at TEKsystems / Navy Federal Credit Union
Kenisha HusbandsKenisha Husbands
Greeter at Launch Entertainment ParkGreeter at Launch Entertainment Park
Andrew LaskowskyAndrew Laskowsky
General Manager / Executive Manager at Feddon Automotive Group – Valley Chevrolet, GMC, CDJR, MitsubishiGeneral Manager / Executive Manager at Feddon Automotive Group – Valley Chevrolet, GMC, CDJR, Mitsubishi