Mortgage Underwriter Customer Service

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Karen Nicoll

586-***-**** Bradenton, FL ************@*****.***

Senior Mortgage Underwriter

An accomplished mortgage underwriter ready for the next career challenge. Skilled with Conventional, FHA, USDA, and VA products. Experienced with retail and wholesale underwriting. PROFESSIONAL SKILLS

Mortgage Underwriting Customer Service Regulatory Compliance Quality Assurance Credit Analysis Government Lending Fraud Prevention Loan Approvals Eligibility Requirements Conditional Reviews Fraud Detection Loan Products Repayment Capacity Risk Assessment Debt Obligations Data Metrics

Broker Relations Investment Analysis Lender Relations Practice Standards Time Sensitive Conforming Loans Account Service Nonconforming Loans Adjustable Rates Loan Origination Data Collection Loan Closing Real Estate Knowledge Lending Trends Financial Modeling DTI Ratio Decision-Making FHA VA PMI USDA Activity Logs Post Closing Reviews Underwriter Training CAREER EXPERIENCE

A Paradise Vacation Rentals, Anna Maria Island, FL Property Manager 11/2022 - Current

New American Funding, Headquarters: Tustin, CA

DE/USDA Senior Mortgage Underwriter 04/2020 – 08/2022 Nations Direct Mortgage, Headquarters: Santa Ana, CA DE/USDA Senior Mortgage Underwriter 08/2018 – 03/2020 TMS (The Money Source), Headquarters: Chandler, AZ Mortgage Underwriter 09/2014 – 07/2018

First Independence Bank, Detroit, MI

Mortgage Underwriter 01/2012 – 09/2014

Liberty Saving Bank, Wilmington, OH

DE Mortgage Underwriter 2011 – 2012

Independence Mortgage Company, Clinton Township, MI DE Mortgage Underwriter 2010 - 2011

Ross Mortgage Company, Royal Oak, MI

Mortgage Loan Specialist/DE Mortgage Underwriter 2009 – 2010 2

Karen Nicoll

586-***-**** Bradenton, FL ************@*****.*** WORK EXPERIENCE BEFORE 2009

GMAC Mortgage, Troy, MI - Customer Loan Specialist CERTIFICATIONS

USDA Certified Mortgage Underwriter

FHA DE Certified Underwriter

HONOR

GMAC Mortgage – Top Fifty Customer Loan Specialists TECHNOLOGY

MS Office Encompass Centrex Calex Point GUS Zoom EDUCATION

Mortgage Bankers Association – Professional Development Courses Indecomm - Mortgage U – Diploma

COMMUNITY INVOLVEMENT

Anna Maria Island Chamber of Commerce - Member

SPECIAL INTERESTS

Beachcombing Kayaking Bowling Yoga Running Axe Throwing Live Music

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