Customer Service Sales

Nathan Higgins Ph. 817-***-****

*** ***** ***** *****: ******.*********@*******.***

Mansfield, TX 76063

EDUCATION

University of Texas at Arlington Eastfield College

Bachelor of Arts in Broadcast Management; Communication Studies Associates of Arts

Completed 125 hours Graduated: May 2003

Scheduled to graduate December 2017

QUALIFICATIONS

7+ yrs. Management in Underwriting (Fannie Mae, Freddie Mac, Conventional, FHA) Risk Assessment, Lending & Underwriting Guidelines, Credit & Income Analysis, Loan-to-Value Ratios, Debt-to-Income Ratios, Conventional & Government Mortgages, Conforming/Non-conforming & Jumbo Loans, Loan Closing, Funding Documentation

7+ yrs. Underwriting (FannieMae & FreddieMac – (Conventional Conforming/Non-conforming, FHA, Jumbo)

7+ yrs. Processing (FannieMae & FreddieMac – (Conventional Conforming/Non-conforming, FHA)

7+ yrs. Mortgage Default/Loss Mitigation (Default Servicing, Pre-Charge Off & Charge Off, Non-Prime Home Loans, Home Savers, Short Sales, HAFA Short Sales, Deed in Lieu, Deed for Lease)

12+ yrs. Customer Service

Proficient in: TILA, RESPA, HMDA, REG B., MSP/Fidelity/LIS, HSSN, WPII, MLS, FiServ, VPI Empower, LPS Desktop, VendorScape, PEGA, WEBER, CMS Supervisor, Microsoft Word, Excel, PowerPoint, Access

Completed Management Essentials Courses – a series of management courses aligned with foundations of leadership workshops

EXPERIENCE

Caliber Home Loans Irving, Texas April 4, 2016 – Present

Portfolio Lending/Retail Underwriter

Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements (1040, 1065, 1120, 1120s, K-1, P&L/Balance Sheet, Pension, Social Security, Asset Depletion, Rental Incom), loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation.

Identifies/calculates loan risk of loss.

Conditions files for missing/supporting documentation.

Revisits loans to review and clear conditions.

Approves, suspend, counters or denies loan file.

Escalates fraud files to Credit Manager/Risk Management team.

Respond within SLA to all loan specific audits/findings.

Wells Fargo Irving, Texas February 4, 2013 – March 1, 2016

Lending Manager (Underwriting/Processing: FNMA/FHLMC portfolio)

Supervise a team of 8-10 underwriters/processor engaged in reviewing and approving/funding loan applications.

Knowledgeable of laws regulating mortgage banking (TILA, ECOA, RESPA, HMDA).

Reviewed all loan exception requests and second signature for higher loan amounts.

Reviewed risk assessment through income/credit analysis and documentation review.

Underwrote and audited loans for compliance to investor and government guidelines to insure they complied with the bank regulations and Regulation B.

Evaluated the financial strength of borrowers to determine risk and repayment capacity.

Manage units workflow to ensure that groups customer service standards are met and unit procedures are current and in compliance with government and Bank regulations.

Maintain appropriate records/documents under specified security control.

Managed the Consumer Lending and Real Estate division in their production activities to performance standards, training, writing/conducting performance reviews.

Partnered with Operations and Underwriting to ensure great customer service and high-quality originations.

Developed and ensured successful execution of Loan Officer Business plans.

JPMorgan Chase Coppell, Texas August 4, 2011 – January 7, 2013

Mortgage Banking Executive Office Supervisor

Managed a team of 8-10 reps and ensure compliance of Executive Office complaints.

Reviewed and process all escalated modification complaints.

Generated daily reports to assist reps with daily workflow.

Ensured adherence to standards by monitoring and evaluating division performance against goals.

Conducted staff meetings to ensure communication of corporate policies and goals.

Saxon/ Morgan Stanley Irving, Texas February 2010 – July 28, 2011

Underwriting Supervisor (Conventional - FNMA/FHLMC/FHA portfolio)

Supervised a team of 8 underwriters who underwrote 1st and 2nd conventional residential mortgages for Purchase, Refinance, and Home Equity Lines of Credit from origination to closing.

Responsible for front line underwriting to insure investor compliance.

Worked closely with funding MI companies, and individual investors.

Provided feedback to reps through coaching/mentoring sessions for growth and development needs through QC and performance metrics.

Provided solutions to fill gaps and improve overall processes while also creating policies and procedures around newly implemented company tasks.

Underwriter/Processor Irving, Texas March 2009 – February 2010

Processed and pre-underwrote prime and sub-prime loans.

Evaluated all documentation received including tax returns.

Fully underwrote each file in compliance to secondary market guidelines.

Collaborated with foreclosure and bankruptcy attorneys in negotiating fees, postponing foreclosure sales, and placing files on hold.

Trained and mentored team in daily job tasks and system functionality. Interacted with realtors, attorneys, and third-party companies.

MetLife Home Loans Irving, Texas September 2008 – March 2009

Loan Underwriting Specialist (Conventional – FNMA/FHLMC)

Frontline underwriting and review of conventional retail files for MetLife Home Loans (previously First Horizon Home Loans).

Underwrote loans under FNMA and FHLMC, guidelines – manual and automated (DU and LP).

Assured that all underwriting guidelines have been met for approval.

Completed underwriting of conventional loans both servicing and originations.

Responsible for timely reporting of cases to investors and guarantors.

Provided loan control information by collecting, analyzing, and summarizing data and trends.

Responsible for building and maintaining a pipeline of cases in accordance with investor and guarantor guidelines.

Measured all mortgage loan submissions for underwriting decisions based on company quality control plans.

Ensured that loan documentation meets all the agency and investor requirements for the loan product requested.

Loan Counselor (Loss Mitigation) June 2006 – September 2008

Managed a non-prime portfolio and provide payment arrangements on delinquent loans.

Researched, problem analysis, customer follow-up and written correspondence.

Worked with attorneys and foreclosure vendors to assure fees/costs, timelines and guidelines are handled appropriately and timely.

Give analysis of loan history, asset attributes, and customer contact to determine whether referral for foreclosure is appropriate.

Offered early identification of loss mitigation and credit counseling referrals in an effort to help the borrower to avoid any foreclosure action.

Minimized risk exposure to the Company with short sales, settlement offers, deed in lieu’s, and or modifications.

Managed the systems and telephony to maintain performance efficiency and service levels.

Washington Mutual Arlington, Texas August 2003 – June 2006

Collections

Collected on delinquent accounts, buckets 1-7, and accounts more than 180 days past due.

Offered payment arrangements and re-aged past due accounts.

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