Sales Customer Service

** ********* ******** 678-***-****

Dallas, GA ***57 *****.******@*****.***

Nisha Lagana

OBJECTIVE

To secure a position in a company that values expertise in risk management and mortgage loan

underwriting.

EDUCATION

BBA Economics and Finance, Kennesaw State University – Young Harris College

SKILLS

Manual Underwriting, DU, LP, Unify, Point, Clout, Data Trac,Calyx Software, All Microsoft Office

Products, 100% audit score history, Expert in income calculations including self employed

borrowers, Expert in tax return analysis, Seasoned Underwriter, Expert in appraisal review

including REO sales and Rural property, Excellent customer service skills.

WORK EXPERIENCE

RMIC/ Republic Mortgage Insurance Company – Kennesaw, GA 05/2007 – Present

Underwriter - Associate

Underwriter assigned to underwrite mortgage insurance and contract underwritten mortgage loan

applications for national RMIC accounts.

• Accurately analyzed new loans and conditions received based upon the criteria required

per investor/agency program guidelines.

• Responsible for underwriting, analyzing, and making appropriate risk decisions to issue

mortgage insurance or contract approval for RMIC customers.

• Maintained knowledge of numerous product types as well as Agency guidelines to ensure

accurate and expedient underwriting of loans to investor guidelines.

• Responsible for performing manual underwrites as well as running/analyzing agency

automated underwriting systems including DU and LP.

• Balanced risk management responsibilities with expert judgment to maximize lending

opportunities.

• Maintained a 100% Audit score throughout employment with RMIC.

• Completion of DTI and LTV/CLTV calculations including review of tax returns for self

employed /commissioned borrowers.

• Analyzed Appraisals including REO sales, Rural, Urban, Suburban properties.

• Reviewed quality control audits on internal files.

Amfirst Mortgage Corporation – Kennesaw, GA 02/2007 – 04/2007

Senior Mortgage Loan Underwriter * Company Closed *

An Underwriter dealing with Conforming, Alt A, Sub Prime first mortgages and piggyback second

mortgages on the wholesale and retail side of the company.

• Accurately analyzed new loans and conditions received based upon the criteria required

for this product type.

• Maintained knowledge of numerous product types as well as Agency guidelines to ensure

accurate and expedient underwriting of loans to investor guidelines.

• Responsible for performing manual underwrites as well as running/analyzing Agency

automated underwriting systems including DU and LP, CLOUT, E-MIT.

• Balanced risk management responsibilities with expert judgment to maximize lending

opportunities.

• Ensured that clients provided required compliance documents for all loan transactions.

• Completion of DTI and LTV/CLTV calculations including review of tax returns for self

employed /commissioned borrowers.

• Analyzed Appraisals including REO sales, Rural, Urban, Suburban properties.

• Reviewed quality control audits on internal files.

Wachovia Mortgage DBA Equibanc Mortgage Corp. – Marietta GA 10/2005 – 02/2007

Senior Mortgage Loan Underwriter * Company Closed *

An Underwriter dealing with all sub prime first mortgages and piggyback second mortgages on

the wholesale side of the company.

• Accurately analyzed new loans and conditions received based upon the criteria required

for this product type.

• Maintained knowledge of each certified product type to ensure accurate and expedient

underwriting of loans to investor guidelines.

• Responsible for ensuring the stability of each loan closed.

• Balanced risk management responsibilities with expert judgment to maximize lending

opportunities.

• Ensured that clients provided required compliance documents for all loan transactions.

• Completion of DTI and LTV/CLTV calculations including review of tax returns for self

employed /commissioned borrowers.

• Analyzed Appraisals including REO sales, Rural, Urban, Suburban properties.

Alta Financial Corporation – Atlanta, GA 02/1999 – 03/2002 & 12/2004 - 10/2005 Mortgage

Underwriter and 03/2002 - 02/2004 Mortgage Consultant * Company Closed *

An Underwriter dealing with all sub prime first mortgages and piggyback second mortgages on

the retail side of the company. 02/1999 – 03/2002 & 12/2004- 10/2005

A Mortgage Consultant responsible for selling loans that best fit customer’s needs 03/2002 –

02/2004

• Maintained knowledge of each certified product type to ensure accurate and expedient

underwriting of loans to investor guidelines.

• Balanced risk management responsibilities with expert judgment to maximize lending

opportunities.

• Ensured that clients have provided required compliance documents.

• Responsible for ensuring the stability of each loan closed.

• Maintained excellent customer relationships.

• Responsible for selling loans to customer that best fit there needs.

• Analyzed Appraisals including REO sales, Rural, Urban, Suburban properties

• Completion of DTI and LTV/CLTV calculations including review of tax returns for self

employed /commissioned borrowers.

Fieldstone Mortgage Company – Atlanta, GA 02/2004 – 12/2004

Account Executive * Company Closed *

An Account Executive responsible for selling loan programs to retail brokers to maximize profit for

the company.

• Generated and sold loan programs to brokers, banks, and other financial institutions.

• Built Broker/ Lender relationships and followed loans through funding process.

• Consistently achieved monthly sales goals for loan submissions and funding.

• Prequalified loans to meet investor guidelines.

• Maintained excellent relationships with brokers and other retail vendors.

• Responsible for a 5 million dollar pipeline. #1 Acct Executive for length of employment.

References available upon request

Contact this candidate