THELMA "NICOLE" HATTER
Houston
Summary
Analytical finance professional with a Bachelor of Science in Finance and extensive experience evaluating financial risk, reviewing complex financial documentation, and supporting underwriting decisions across Conventional, FHA, VA, Jumbo, and Non-QM mortgage transactions. Experienced analyzing tax returns, business financial statements, bank statements, credit reports, income documentation, assets, liabilities, and reserve requirements to assess eligibility, identify risk, and ensure regulatory compliance. Recognized for collaborating with underwriters, title companies, insurance professionals, attorneys, CPAs, and clients to resolve complex issues while meeting aggressive deadlines.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
West Capital Lending
01.2023 - Current
- Independently originated, analyzed, and funded more than $10 million in residential mortgage loans annually while maintaining exceptional documentation quality, regulatory compliance, and customer satisfaction.
- Analyze borrower financial profiles including tax returns, bank statements, business financials, credit reports, income documentation, and assets to evaluate lending risk and determine eligibility.
- Assess debt-to-income ratios, reserve requirements, liquidity, and compensating factors across Conventional, FHA, VA, Jumbo, and Non-QM loan programs.
- Conduct detailed financial analysis for self-employed borrowers using business tax returns, CPA documentation, ownership structures, expense factors, and profit-and-loss statements.
- Review loan files for completeness, consistency, and compliance prior to underwriting submission, reducing avoidable underwriting conditions.
- Coordinate condominium project reviews by evaluating HOA budgets, reserve studies, insurance policies, governing documents, and project questionnaires.
- Collaborate with underwriters, processors, title companies, attorneys, CPAs, insurance professionals, appraisal companies, and investors to resolve complex underwriting conditions.
- Manage a high-volume pipeline while balancing multiple deadlines and maintaining documentation accuracy and outstanding client service.
Payroll & Operations Specialist
Savant Realty Group
01.2022 - Current
- Processed payroll while maintaining financial accuracy, confidentiality, and compliance.
- Investigated payroll discrepancies and maintained reporting systems supporting audit readiness.
Finance Intern
I Will Survive, Inc.
01.2024 - 01.2025
- Assisted the Chief Financial Officer in preparing annual operating budgets, financial forecasts, and executive financial reports.
- Performed financial statement analysis and budget variance reporting to support executive decision-making.
- Prepared financial materials for Board of Directors meetings and strategic planning initiatives.
- Collaborated with executive leadership to improve budgeting processes and reporting accuracy.
Documentation & Insurance Resolution Specialist
Numotion
01.2019 - 01.2022
- Reviewed insurance documentation supporting authorization and reimbursement.
- Investigated denied claims and resolved documentation deficiencies.
- Built Excel reporting tools using PivotTables and VLOOKUP to improve operational reporting.
Education
Bachelor of Science - Finance
Western Governors University
10-2025
Skills
- Microsoft Excel (PivotTables, VLOOKUP, XLOOKUP, Conditional Formatting)
- Microsoft Office
- SharePoint
- OneDrive
- CRM Systems
- Loan Origination Systems
- Document preparation
- Underwriting guidelines
- Pipeline management
- Financial analysis
Websites
Certification
- Licensed Mortgage Loan Originator (NMLS)
- Enrolled Agent (EA) Candidate
CORE COMPETENCIES
- Financial Risk Analysis
- Underwriting Support
- Credit Analysis
- Financial Statement Analysis
- Tax Return Analysis
- Income & Asset Analysis
- Documentation Review
- Regulatory Compliance
- Microsoft Excel
- Data Analysis
- Decision Support
- Cross-Functional Collaboration
Timeline
Finance Intern
I Will Survive, Inc.
01.2024 - 01.2025
Mortgage Loan Originator
West Capital Lending
01.2023 - Current
Payroll & Operations Specialist
Savant Realty Group
01.2022 - Current
Documentation & Insurance Resolution Specialist
Numotion
01.2019 - 01.2022
Bachelor of Science - Finance
Western Governors University