MORTGAGE LOAN UNDERWRITER

SUMMARY

HIGH PERFORMING AND HIGHLY ADAPTIVE UNDERWRITER WITH OVER 20+ YEARS OF MORTGAGE LENDING EXPERIENCE, INCLUDING LOAN OPENING, PROCESSING, AND UNDERWRITING, AS WELL AS EXTENSIVE APPRAISAL REVIEW IN WHOLESALE, RETAIL, AND CORRESPONDENT LINES OF BUSINESS. ADVANCED, COMPREHENSIVE KNOWLEDGE OF POLICIES AND PROCEDURES RELATED TO COMPLEX LOAN PRODUCTS. POSSESS STRONG ANALYTICAL DECISION-MAKING, PROBLEM SOLVING AND FRAUD DETECTION SKILLS. DEMONSTRATED ABILITY TO WORK UNDER EXTREME PRESSURE IN A TIME-SENSITIVE, DETAIL-ORIENTED ENVIRONMENT. WELL-VERSED IN PROPERTY TITLE COMMITMENTS AND THE MYRIAD OF LEGAL ENCUMBRANCES THAT POTENTIALLY COMPLICATE REAL ESTATE TRANSACTIONS. CONSISTENTLY PROVIDE QUALITY UNDERWRITING DECISIONS WHILE EVALUATING LOANS TO MAXIMIZE PROFITS AND MINIMIZE RISK AND LOSS. POSSESS EXPERTISE IN FHA LOANS, JUMBO LOANS, AGENCY CONFORMING LOANS (WITH AND WITHOUT PMI), NON-QM LOANS (INCLUDING DSCR) AND HECM LOANS.

SIGNATURE ACHIEVEMENTS:

Demonstrates a robust work ethic by effectively prioritizing tasks, ensuring a seamless balance between workload management and the delivery of exceptional quality and production standards.

Assumed a pivotal role in quality control initiatives directed by management, where I meticulously reviewed and corrected underwriters' work to minimize errors and elevate the overall quality of loans.

Applauded by company leadership for consistently delivering clear and concise communication to other departments to achieve company goals.

Facilitated the development of new team members through training and mentorship. TECHNICAL SKILLS

FRAUD PREVENTION AUTOMATED UNDERWRITING SYSTEMS LOAN OPERATING SYSTEMS Data Verify

Lexis Nexis

LoanSafe

Dissco

FNMA DU

FHLMC LP

FHA Connection

EAD Portal

Encompass

LendForce

Calyx Point

BlueSage

SIGNATURE STRENGTHS & COMPETENCIES

Team Accountability

Cross-Departmental Training

Fraud & Compliance Management

Risk Assessment

Data Protection & Management

Credit Underwriting

Operational Improvement

Financial Analysis

Data Analysis

Decision-Making

Employee Training

Appraisal Review

PROFESSIONAL EXPERIENCE

FINANCE OF AMERICA – TULSA, OK FEBRUARY 2022 – NOVEMBER 2023 DE Underwriter (Retail)

Manually underwrote credit, income, and asset documentation on HECM Loans. Performed appraisal report analysis to ensure adequacy of value of collateral properties. Utilized public records search to uncover information associated with properties. Reviewed title commitments, legal descriptions and recorded mortgage-related documents, tax assessments, metes, and boundaries. Maintained 24-hour loan decision, appraisal review, and conditions review turn time to meet company SLA. Interacted with Quality Control, Compliance, Funding and Insuring for problem resolution, risk evaluation and compliance concerns.

NIRMA NIN

Upper Saddle River, NJ 07458 908-***-**** ad3mjz@r.postjobfree.com www.linkedin.com/in/nirmanin NIRMA NIN, PAGE 2

PROFESSIONAL EXPERIENCE, CONTINUED

BETTER MORTGAGE CORP – NEW YORK, NY FEBRUARY 2021 – DECEMBER 2021 Senior Underwriter (Retail)

Underwrote credit, income and asset documentation on Conforming Loans and FHA Loans, performed appraisal report analysis to ensure adequacy of value of collateral properties. Maintained 24-hour loan decision turn-time and two-hour turn-time on conditions to meet company SLA. Analyzed Data-Verify reports as part of quality control and fraud prevention process, which reduced company risk and loss. Mentored operations staff with the “conditions clearing” process to ensure timely closing dates and set realistic expectations for a large team. REMN WHOLESALE – ISELIN, NJ JULY 2014 – JANUARY 2021 Production Underwriter (Wholesale and Correspondent) Underwrote Non-QM Loans up to $3 million, FHA Loans (including Manual Downgrades) and PMI-Conforming Loans. Reviewed and cleared underwriting conditions, including title, homeowner’s insurance, asset, and income documentation. Successfully attained a 24-hour loan decision turnaround time, consistently meeting Customer Service Level Agreements

(SLA). This accomplishment not only enhanced overall customer satisfaction but also maximized profits, minimized risk and loss, all while safeguarding the company's professional reputation. Performed appraisal report analysis to ensure adequacy of value of collateral properties. Analyzed Data-Verify reports as part of quality control and fraud prevention process, which reduced company risk and loss. Provided excellent customer service to brokers and correspondent lenders, and operations staff in assisting with the “conditions clearing” process to ensure timely closing dates. Underwrote loans in accordance with PMI company guidelines and collaborated with PMI companies to approve and clear loans for closing to ensure loan salability.

SUNTRUST MORTGAGE, INC (F/K/A ABC, A DIVISION OF AMERICAN HOME MORTGAGE) – ATLANTA, GA JUNE 2007 – DECEMBER 2013

Underwriter III (Wholesale, Retail and Correspondent) Pre-SunTrust Mortgage acquisition: Underwrote Conforming Loans, Non-Conforming Loans and Alt-A Loans using DU in a wholesale lending environment. Reviewed and cleared underwriting conditions, including title, homeowner’s insurance, and income documentation with Level III authority within 24-hour turn time. Reviewed loan packages for completeness and compliance with authority to place loan in “Clear to Close” status. Post-SunTrust Mortgage acquisition: Underwrote FHA Loans, PMI-Conforming Loans, Non-Conforming Loans, Portfolio Loans, Jumbo Loans and Second Mortgage Loans with $1 million credit lending authority. Reviewed and cleared underwriting conditions, including title, homeowner’s insurance, and income documentation. Successfully attained a 24- hour loan decision turnaround time, consistently meeting Customer Service Level Agreements (SLA). This accomplishment not only enhanced overall customer satisfaction but also maximized profits, minimized risk and loss, all while safeguarding the company's professional reputation. Performed appraisal report analysis to ensure adequacy of value of collateral properties. Delivered exceptional customer service to brokers, correspondent lenders, and retail operations staff by facilitating the "conditions clearing" process, ensuring timely closing dates. Recognized with the Blue-Ribbon Award for outstanding teamwork. Conducted loan underwriting according to PMI guidelines, collaborated with PMI companies to approve and clear loans for closing, ensuring loan salability. EDUCATION

Honors Certificate in Computer Networking Metropolitan Technical Institute, Fairfield, NJ Coursework in Liberal Arts Union County College, Elizabeth, NJ CERTIFICATIONS Mortgage Bankers Association – FHA Fundamentals: Successfully mastered online course in 2012 and presently hold FHA Direct Endorsement CHUMS ID in good standing. CCNA: Cisco Certified Network Associate. Microsoft: Networking Essentials.

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