Nigel Harding

Phone Number 321-***-****

Email ad3smw@r.postjobfree.com

Address Farmers Branch, TX 75234

SKILLS

EXPERIENCE

Client Success Champion

Innovation Refunds (Sourcetek) - Remote, West Des Moines, IA Oct 2022 - Sep 2023 Conventional Underwriting I

Draper and Kramer Mortgage Corp - Remote, Downers Grove, IL Dec 2020 - Sep 2022 To obtain a position where I can utilize my expertise in the industry. With my leadership, processing, and data analyst knowledge I will become an asset to your company. My focus to detail and ability to adapt to change allows me to excel in any environment.

Windows, UNIX, BSD, Empower, Encompass, Non

QM

• • Microsoft Programs, Power BI, Tableau

• Python, C++, PION, SQL Server, MySQL, Fidelity MSP • ALS / ACAPS / MLCS

• Reviewed ERC applications to determine accuracy, completeness, and compliance.

• Resolved customer issues quickly and effectively while maintaining a high degree of customer satisfaction.

• Collaborated with internal departments to develop and maintain standards and procedures. Reviewed and analyzed required documents (Payroll, Tax 941 Forms, Healthcare statements and Profit & Loss documents) from our client to ensure accuracy and to be proceed in a timely manner.

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• Performed valued-added services function to meet customer-specific requirements.

• Focused on quality and efficiency to maximize the success of our client's experience.

• Performed data entry from client documents to computer database.

• Identified issues raised in documents and solved with client or management. Reviewed conditions to ensure compliance with company guidelines as well as all state and federal regulations for Conventional & Non-QM Products

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Responsible for manually assessing the risk of a loan and making a credit decision based on the quality of the data in the loan file

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• Manual Underwriting for Bank Statements, Alt Documents, and DSCR Applies all internal underwriting guidelines, investor underwriting guidelines and requirements as well as federal regulations to the decision process to ensure high loan quality

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Determine specific investor program requirements and ensure credit underwriting review meets investor requirements

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Perform detailed analysis and review of various appraisal types to determine if property meets investor guidelines

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• Responsible for making Loan eligibility decisions and approving or rejecting applications Senior Mortgage Processor

Stearns Lending LLC/ KBHS Home Loans - Remote, Maitland, FL Jun 2018 - Sep 2020 Processing Team Lead

LoanDepot, Maitland, FL Aug 2017 - Jun 2018

Senior Mortgage Processor

Reviewed and specified loan conditions as necessary and for completeness of all conditions (including Income, credit, assets and liabilities) prior to closing

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Evaluated income calculations using the information provided from the borrower including self-employed borrowers (1120, K1's, 1065, Schedule C)

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Analyzed bank statements to uncover any cash flow problems or undisclosed debts to ensure the success of the loan and to ensure that any money used for a down payment meets our policy standards.

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Assisted the Processing Manager when needed to ensure the team meets the goals established by the Builder on a monthly, quarterly and yearly basis.; understanding the guidelines for Investor, Non QM, FNMA, FHLMC, USDA, BOND, VA and FHA

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Responsible for clearing underwriting conditions once submitted for resubmission, which included income, credit, assets, finalizing loans and issuing clear to closes for Conventional Loans

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• We assisted with initial reviews to assist the underwriters reviewing (credit & income)

• Trained the new Processor(s) added to the team

• Reassuring guidelines & assists and solve any critical/problematic loans Duties include obtaining any and all outstanding buyer or third-party documents; analyzed credit and documents received to ensure they meet the AUS findings or manual guidelines.

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• Processing Non-Agency/Non-QM wholesale loans, FHA, VA, USDA, BONDS, Conventional

• Provide appropriate loan solutions for Non-QM/Non-Agency requests Analyzed credit reports, appraisals, income documentation, title documents, and other related items to determine eligibility of loans.

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• Created detailed reports summarizing loan statuses for senior management review. As the Processing Team Lead, I would audit files before submission to underwriting and closing to ensure files are complete

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• We were granted signing authority to clear conditions and finalize income and asset conditions on loans

• Processing Non-Agency/Non-QM wholesale loans, FHA, VA, USDA, BONDS, Conventional

• Provide appropriate loan solutions for Non-QM/Non-Agency requests

• Analyze borrower's credit, collateral, and capacity

• I also assisted the loan processors with questions and issues on guidelines and loan files Provided daily pipeline reports to management and processors which includes (12 Day report, Re-disclosures, ECOA, and Exception Reports)

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Trained new employees while carrying a pipeline and back-up to loan processors when needed, vacation or sickness.

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• On an average, we closed an estimate of 175 loans per month, with 6 different branches There are weekly pipeline calls with all the branch managers discussing the current pipeline closings in the current month

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I provide support for branch managers and loan officers when processing manager or processor unavailable, and to ensure team is meeting Service Level Agreements, on time closings, and ECOA guidelines

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Also, in the manager's absence, I would assume manager's primary business duties for the daily operation of the center

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Stearns Lending LLC/ KBHS Home Loans, Maitland, FL May 2015 - Aug 2017 Senior Mortgage Processor

Digital Risk - Bank Of America Project, Maitland, FL Jun 2014 - May 2015 Data Analyst - Contract

Orion Financial Group, Inc, Dallas, TX Feb 2014 - Jun 2014 Mortgage Loan Processor III (Laid Off)

Suntrust Bank, Maitland, FL Mar 2013 - Oct 2013

• Processing Non-Agency/Non-QM loans, FHA, VA, USDA, BONDS, Conventional Provide appropriate loan solutions for Non-QM/Non-Agency requests which were to request and review 12 Month Bank Statement Loans and DSCR.

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Analyzed credit reports, appraisals, income documentation, title documents, and other related items to determine eligibility of loans.

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• Created detailed reports summarizing loan statuses for senior management review. Developed and maintained strong relationships with loan officers, borrowers, underwriters, and other departments to ensure efficient loan processing.

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• Assessed borrower's capacity to repay the loan based on their income sources and debts owed.

• Managed a portfolio of multiple loans simultaneously while meeting stringent deadlines.

• Managed a pipeline of 30 to 35 active loans in addition to assisting the team.

• Certified SASE 2 signing authority, with the primary functions to take each file from preapproval to closing Responsible for analyzing Credit, Income, Assets, Liabilities, Title Insurance and Appraisals for (Conv, FHA, VA, USDA, Bonds, Non-QM) ultimately preparing application for submission to underwriting

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Responsible for ensuring that all loan documentation is complete and accurately verified and complies with company policy

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We ensured the quality of the loans conforms to our company standards and standards to sale to the secondary market if applicable

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• We also analyzed the loan terms, LTV, and ratios to ensure the loan meets the program guidelines The loans were approved by an Underwriter or an automated decision system within designated signing authority limits

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The assets and all income documents (i.e., paystubs, W-2's, LES, business licenses and 1099's) for both wage earners and self-employed borrowers were reviewed, verified, and calculated for complete accuracy

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Both personal and business tax returns would include schedules B, C, SE, E, K-1', 1040, 1120's, 1065 to be reviewed if necessary.

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Developed and maintained strong relationships with loan officers, borrowers, underwriters, and other departments to ensure efficient loan processing.

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• QA/QC data and report output to ensure accuracy

Managing reports for the entire office, analyzing results using statistical techniques. Developing and implementing data that optimize statistical efficiency and quality.

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• Acquiring data from primary or secondary data sources and maintains databases

• Evaluated analytical methods and procedures to determine how might be improved. Participate in presentation of reports to key internal and external members, effectively communicating current and future data

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• Identified quality problems and recommended solutions.

• Programs used were SQL and Power BI

Subordination Underwriter

Suntrust Bank, Maitland, FL Mar 2012 - Mar 2013

Post Closing Manager / Data Analyst

Franklin Credit Management Corporation, Jersey City, NJ Sep 2006 - Nov 2010 EDUCATION

Accounting

University of Phoenix, Phoenix

GPA 3.4

Jan 2013

CERTIFICATIONS

REFERENCES

As a Loan Processor, it was my job to ensure the timely and accurate packaging of all loans originated by our loan officers

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This entailed, reviewing loan documentation and exceptions, to determine if programs, processes, and documentation are complying with internal and external guidelines

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• Managed and maintained an active pipeline of 30 loans or more Accountable for the evaluation of the overall loan documentation (Application, appraisal, title, credit, all legal disclosures) and system documentation to determine loan sale ability, investor, and/or regulatory issues.

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As an Underwriter, accountable for the review of subordinations in a timely manner to determine structures that meet needs of both client and Bank while minimizing risk exposure

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Pay stubs and Tax returns were reviewed daily, Manually Calculated DTI (Debt-to-Income) and CLTV Ratio

(Combined Loan to Value), AVM/DESKTOP/1004 appraisals and Title Policies

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• Cleared Title Issues, Judgments and Lien position reestablishment

• To reduce bank exposure, credit lines at times were suspended or modified. Reconciled all discrepancies to the closing documents before acquiring servicing rights, and ensuring all collateral documents followed RESPA Guidelines which included the following: TILA, Final HUD-1 Statement, Title Commitments/Final Title Policies

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• As the market changed, the department transitioned which lead me to the QA department. Entry to computer programming languages such as Python, SQL, and Java. The advantages of learning the use of these programs allowed us to build a reporting systems, along with other databases for our department, as it helped enhance the information to management and for our team to work effectively.

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• Our overall responsibility was to ensure our clients of any options to benefit them during the market change.

• Examined trends to identify markets for future product development. Developed and specified standards, methods and procedures to determine product quality and release readiness.

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• Executed portfolio of analytics projects, enabling business growth.

• Developed and modeled retention metrics using SQL, Python, or Tableau.

• Demonstrated ability to manage multiple tasks while remaining adaptable and flexible.

• The Complete SQL Bootcamp UDEMY

Susan Cassady

Loan Officer, DR Horton - Previous Manager

Phone Number 904-***-****

Email ad3smw@r.postjobfree.com

Brenda Detommaso

DE Underwriter, Truist Bank - Co Worker & Friend

Phone Number 407-***-****

Email ad3smw@r.postjobfree.com

Janeth Romero

DE Underwriter, KBHS Home Loans - Ex Manager & Friend Phone Number 201-***-****

Email ad3smw@r.postjobfree.com

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