Summary
Work History
Skills
Additional Work History
Timeline
Generic

Tina Nichols

Senior Underwriter
Cornelius,NC

Summary

Dedicated Senior Underwriter with over 25 years of experience in Wholesale and Retail lending. Consistently meeting or exceeding goals of expectation. Skilled in educating loan officers and processors in recommending products and the best option to meet borrowers needs. Ability to work under little supervision in a remote setting. Excellent communication skills, time management, and the ability to perform in a high volume environment. Comprehensive knowledge of Fannie Mae, Freddie Mac, FHA guidelines and tax return analysis.

Work History

Sr. Underwriter – CONV/DE

Movement Mortgage
07.2018 - 06.2022
  • Performed complete analysis of all credit, income and assets for Conventional, FHA and Jumbo loan files to ensure loan meets investor and agency guidelines
  • Complete manual review of FHA loans that do not meet agency guidelines
  • Communicate with Loan Officer, Loan Assistant and Loan Processor to discuss conditions and any alternate documentation or options for restructuring loan if necessary
  • Complete final review of loan documentation to validate file for final approval to submit to closing.

Sr. Underwriter – CONV/DE/LAPP/SAR

First Guaranty Mortgage Corp/Goodmortgage
10.2015 - 07.2018
  • Analyze complete loan files for Conventional, FHA and VA to confirm loan meets investor and agency guidelines
  • Complete a manual review of FHA loans that do not meet agency guidelines
  • Review suspense and prior to approval conditions to validate file for final approval
  • Communicate with the Loan Processor, Loan Officer and Closing Department with regards to loan status and discuss alternate options for counter offers or restructuring
  • Obtained VA Credit Certification in January 2017 and LAPP/SAR Certification in January 2018.

Sr. Underwriter-CONV/DE

Gateway Funding
04.2012 - 05.2015
  • Performed complete analysis of all income documents, credit, assets, collateral and disclosures for FHA, Conventional and Jumbo loan programs to ensure investor and agency guideline requirements were met
  • Obtained FHA Chums # in 2014
  • Completed all underwriting functions in FHA Connection
  • Reviewed all suspense and prior to approval conditions to validate for final approval to submit to closing
  • Communicated loan status with Loan Processors and counter options with Loan Officers.

Credit Quality Auditor

Accenture
09.2009 - 03.2012
  • Reviewed conventional loans for CitiMortgage to render pre-funding QC Audit results to ensure the Corporate Rules Governing Extension of Credit, Government Lending Policies and all applicable Federal/Regulatory guidelines were met.
  • Assisted in the development of training materials and provided ongoing coaching/mentoring to a team of Underwriters
  • Tracked and reported credit deficiencies to management and made recommendations to improve quality of files
  • Reviewed live loans for new Underwriters to obtain signing authority
  • Assisted in the development and training for overseas projects.

Sr. Wholesale Underwriter / Contractor

Fifth Third Mortgage
01.2009 - 04.2009
  • Performed complete analysis of all income documents, credit, assets, collateral and disclosures for Conventional and Jumbo loan programs to ensure investor and agency guideline requirements were met
  • Reviewed all suspense and prior to approval conditions to validate file for final approval
  • Communicated with Brokers and Loan Agents to assist with alternative documentation and counter offers.

Sr. Wholesale Underwriter

CitiMortgage
05.2005 - 09.2006
  • Performed complete analysis of all income documents, credit, assets and collateral for Conventional and Jumbo loan programs
  • Signing authority to $1 million dollars on multiple mortgage products and various property types
  • Completed full review of Co-ops and Condos to ensure salability
  • Communicated with Brokers and Loan Agents to assist with alternative documentation and counter offers.

Sr. Underwriter/AUS Support

Ditech.com/GMAC
05.1999 - 11.2004
  • Monitored and managed FNMA Desktop Underwriter AUS by providing procedural and technical support to entire staff of over 500 employees
  • Interfaced with internal I.T. Department, FNMA, credit agencies and other outside vendors to assist in upgrades, conversions and troubleshooting
  • Reported to Executive V.P. of Credit Policy providing monthly statistics on overall performance of regulatory underwriting system
  • Performed staff training for new FNMA guideline changes and system issues utilizing Power Point.

Skills

  • Analysis and Evaluation
  • Loan Product Knowledge
  • Loan Restructuring
  • Pipeline Management
  • Desktop Underwriter
  • Loan Advisor
  • Fraud Detection Techniques
  • Collateral Valuation

Additional Work History

Sr. Wholesale Underwriter / Contractor, 01/2009 - 04/2009

Fifth Third Mortgage – Charlotte, NC

Sr. Wholesale Underwriter

Citimortgage, May 2005-Sept. 2006

Sr. Underwriter/AUS Support

Ditech.com/GMAC, May 1999-Nov. 2004

Timeline

Sr. Underwriter – CONV/DE

Movement Mortgage
07.2018 - 06.2022

Sr. Underwriter – CONV/DE/LAPP/SAR

First Guaranty Mortgage Corp/Goodmortgage
10.2015 - 07.2018

Sr. Underwriter-CONV/DE

Gateway Funding
04.2012 - 05.2015

Credit Quality Auditor

Accenture
09.2009 - 03.2012

Sr. Wholesale Underwriter / Contractor

Fifth Third Mortgage
01.2009 - 04.2009

Sr. Wholesale Underwriter

CitiMortgage
05.2005 - 09.2006

Sr. Underwriter/AUS Support

Ditech.com/GMAC
05.1999 - 11.2004

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Tina NicholsSenior Underwriter