NICOLE SMITH

**** *********** *****, ****** ** **036 225-***-**** ad3zwy@r.postjobfree.com

PROFILE SUMMARY

Experienced Finance Specialist with a proven track record in analyzing, approving, and underwriting complex consumer requests and products within industry guidelines. Skilled in evaluating financial statements, trust, credit reports, title reports, insurance, and appraisals to ensure accuracy and compliance. Recognized for maintaining high-quality underwriting while meeting production goals. Extensive experience in training and coaching underwriting staff. Strong expertise in conventional, VA, USDA, and Rural Development loans. Adept at building professional relationships with vendors and consumers to retain business. Compliance-focused with a keen eye for fraud detection. Knowledgeable in regulations, bank procedures, and industry best practices. Excellent communication skills and ability to explain credit decisions to customers and partners. A detail-oriented professional dedicated to delivering outstanding customer service and contributing to team success. CORE COMPETENCIES

SKILLS HIGHLIGHTS

Mortgage Underwriting

Conventional Loan Underwriting

VA Government Loan Underwriting

USDA Loan Underwriting

Financial Statement Analysis

Credit Report Analysis

Appraisal Report Analysis

Ratio Analysis

Compliance Review

Fraud Detection Techniques

Loan Renegotiation

Escalated Call Handling

Second-Level Review

Work Direction and Training

Quality Monitoring

Quality Assurance

Inbound & Outbound Call Management

Documentation & Reporting

Compliance & Regulations

Loan Processing

Analysis of Profit and Loss and Balance

Sheets

PROFESSIONAL EXPERIENCE

Mortgage Underwriter Morgan Stanley, USA October 2018-December 2023

● Extensive experience in complex mortgage underwriting, ensuring compliance and industry standards. Proficient in reviewing financial statements (complex tax returns), credit reports, and appraisals to make appropriate credit decisions.

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● Skilled in conducting thorough transaction analysis to ensure accuracy and adherence to policies.

● Experienced in training and mentoring underwriting staff, providing guidance on procedures and policies.

● Track record of high-quality underwriting, meeting production goals, and delivering excellent customer service.

● Strong Communication Skills

● Competency in reviewing and understanding the complexity of Commercial Clients economics and business structure

● Underwrite complex mortgage loans for high net worth clients, assessing creditworthiness and adherence to lending standards. Perform thorough analysis of business financial statements, including complex income and tax return analysis, to determine loan eligibility and risk.

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● Analyze loans within delegated credit authority, ensuring compliance with MSPBNA credit policy and credit culture. Identify and recommend alternative loan solutions when necessary, collaborating with loan officers and other stakeholders to find appropriate options.

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Underwrite mortgage loans in accordance with the Private Bank lending standards and risk appetite, assessing loan structures and terms for suitability.

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Collaborate with cross-functional teams, including loan officers, processors, and closers, to facilitate smooth and timely loan processing and closing.

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Provide customer service to both internal and external stakeholders, addressing inquiries and resolving issues in a precise manner.

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● Maintain accurate and organized underwriting documentation, adhering to record-keeping and compliance requirements. Contribute to process improvement initiatives, suggesting enhancements to underwriting guidelines, systems, and workflows to streamline operations and enhance efficiency.

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Underwriter Support Staff Supreme Lending, Dallas TX July 2018-October 2018 Conventional / VA Government Underwriter Wells Fargo Mortgage, Irving, TX 2014 - 2018 Conventional Loan Underwriter GMFS Lending, LLC, Baton Rouge, LA 2012 - 2014 Conventional Loan Underwriter Wells Fargo Mortgage, Baton Rouge, LA 2010 - 2012 Quality Monitor/Quality Assurance Specialist 2007 - 2010 Senior Mortgage Consumer Loan Underwriter 2002 - 2007

● Answered Underwriting Scenario questions from Loan Officers for all programs Provided guidance on restructuring loans and determined Capacity, Collateral, and Character to ensure specific underwriting guidelines.

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Supported the Underwriting Manager in daily activities, working closely with the appropriate departments to keep internal guidelines up to date.

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● Supported the Quality Control Department to support decisions and resolutions of Underwriting Quality Issues.

● Provided assistance to the Post Closing Department with clearing Investor issues as needed

● Reviewed, analyzed, and approved complex consumer loan applications within guidelines.

● Assessed creditworthiness and risk through analysis of financial statements, credit reports, and appraisals.

● Ensured accuracy, completeness, and compliance in loan transactions.

● Prepared detailed reports, maintained document consistency and integrity.

● Utilized fraud detection techniques to safeguard the underwriting process.

● Conducted compliance reviews to ensure regulatory adherence. Communicated with customers and partners, provided clear explanations for credit decisions, handled escalated calls, and provided work direction.

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● Reviewed financial statements, credit reports, and appraisals to assess loan qualifications.

● Ensured accuracy and completeness of transaction documentation.

● Underwrote complex consumer loan requests following company and industry guidelines.

● Assisted in loan renegotiations according to lending guidelines.

● Underwrote USDA loans, adhering to program requirements.

● Trained and underwrote for new loan programs, showcasing expertise and adaptability.

● Fostered vendor relationships for business retention and operational efficiency.

● Prioritized quality underwriting and met production goals.

● Reviewed, analyzed, and approved complex individual consumer loan requests within company and industry guidelines.

● Verified financial statements, credit reports, and appraisal reports, considering applicable ratios such as debt-to-income.

● Evaluated and examined transactions to ensure accuracy and completeness of documentation.

● Prepared formal reports, ensured consistency and integrity of documents.

● Implemented fraud detection techniques to safeguard against fraudulent activities.

● Performed compliance reviews to ensure adherence to regulatory requirements. Assisted in loan renegotiations based on lending guidelines and communicated with customers and partners to gather information and explained credit decisions.

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Selected for Level 4 Underwriter authority, served as lead underwriter for training and guidance, and tasked with grading/verifying test case files for new underwriters to obtain underwriting authority.

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● Managed the quality of inbound and/or outbound customer calls to ensure a high level of service. Documented quality issues and performance measures for management review, overseeing a team of over 65 bankers on a monthly basis.

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● Provided information and assisted in feedback and formal education/training processes for team members. Served as a subject matter expert in compliance, regulations, and bank procedures, provided guidance and ensured adherence to standards.

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● Played a key role in creating and designing training tools specifically for online bankers, enhancing their knowledge and skills.

● Reviewed, analyzed, and approved underwriting requests, ensuring accurate loan documents. Page of

Mortgage Loan Specialist/Processor 1999 - 2002

Additional Experience

EDUCATION

Bachelor of Arts, Public Relations McNeese State University, Lake Charles, LA REFERENCES

Available upon request

● Conducted thorough checks of financial statements, credit reports, and ratios.

● Gathered information from customers and partners for credit decisions.

● Provided clear explanations and collaborated with team members.

● Recognized for customer service and quality, nominated for cross-training management program.

● Performed loan processing, decisioning, and pre-closing tasks to ensure compliance with company standards.

● Verified document accuracy in loan files.

● Ordered necessary credit reports and appraisals.

● Guided junior staff members in loan processing.

● Attended trade shows, collaborated with vendors, and received awards for closing the most loans.

Senior Loan Analyst, United Companies Financial Corporation, Baton Rouge, LA

Credit Manager, Wells Fargo Financial, Baton Rouge, LA Page of

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