Nicholas Hogan

adxgqt@r.postjobfree.com 832-***-**** www.linkedin.com/in/nhogan24 Austin TX

Project Underwriting Manager

Experience in business process creation and continuous improvement, driving cost reduction plans, and ensuring compliance with underwriting standards to meet and exceed divisional goals. Expertise in cross-functional program coordination and execution to drive efficiency with innovative process improvements and organizational excellence EXPERIENCE

CRE Project Underwriting Manager

Billd - Austin, TX 2021–Current

Reduced man hours needed for the department by 30% by developing a qualification process for project selection

Developed new hire program and material for onboarding and continued training with 30,60,90-day testing material

Partnered with division management following the RACI format to execute a cross-functional matrix based on risk analysis by assessing revenue bands, data points, and stakeholder decisioning matrix

Created re-underwriting process based on project risk metrics and developed proprietary algorithm and associated decisioning matrix

Coordinated portfolio prioritization by updating stages and project qualification identification to mitigate losses on extended financing

Developed and managed COGS for the Underwriting department based on software and time value cost, driving an increase in product gross margin

Developed tech initiative to audit incoming projects to reduce duplicative financing and achieve divisional financial goals and targets

Created a customer risk model baseline to determine the total financing limits per commercial project

Led the creation of a completed feature within the customer portal to self-identify completed projects to help overextending financing with the product team Underwriting Manager

Open Mortgage - Austin, TX 2021

Analyze business/personal tax returns, P/L, cash flow statements, balance sheets, mortgage credit certificates, credit history, and contracts to assess a borrower’s ability to repay

Calculate the borrowers Debt to income ratio, housing expenses, and audit findings against government programs to ensure sales on the secondary market to backend investors that will utilize them for mortgage-backed securities

Developing a New Underwriter program for career development from junior to Underwriter

Dissecting appraisal evaluations and comparing adjustments per the geographic area to determine proper valuation

Calculate income potential and compare YOY returns for self-employed borrowers

Exceeded loan origination goals monthly by 10-15% since April and maxed out bonus potential to $750 per month Loan Officer

Quality Lending Group, Houston, Texas 2020- 2021

Develop rapport and relationships with clients in need of mortgage services to support and drive the housing/home buying process. Analyze financial portfolio history, credit, and health for the best rates and terms possible.

Analyzed CRM systems that led to 24% decrease in lead times

Tested and compared multiple Lending platforms which gave us a 19% increase in efficiency Bar Manager

Hillstone Group – Houston, Texas 2016-2021

Reduced sitting inventory by $12,000 and redesigned menu offerings - Wine and liquor selections increased revenue by 18% YOY

Created excel model for operational support for forecasting using a moving average over a 60-day period EDUCATION

University of Houston Downtown

Bachelor of Business Administration – Finance

Minor in Real Estate

Cum Laude

SKILLS

Proficient in Microsoft Office Excel, PowerPoint, and Word

Proficient in Sales Force, JIRA, Confluence, Miro, and Google Suite

Proficient in Construction Contracts, PayApps, Work Orders, and P.O.’s

High level Salesforce reporting/formula work

Portfolio prioritization and budget alignment

Departmental KPI creation/ dashboard execution for C-Suite visibility