Risk Management Data Analysis

Nicole Bell-Royster

*********@*****.*** 813-***-**** Riverview, FL 33569 https://www.linkedin.com/in/nicole-bell-royster

Underwriter

Underwriter with deep expertise within the financial services, banking and mortgage industries. Known for displaying strong industry knowledge, data analysis, customer relationship management and risk management. Passionate about working with clients to help select products that meet their needs and allow the organization to achieve their goals.

Underwriting Financial Acumen Customer Relationship Management Data Analysis

Credit Review Income and Asset Review Risk Management Team Leadership

PROFESSIONAL EXPERIENCE

Get Health-E

Licensed Medicare Sales representative September 2023 - Present

•Communicate with our Seniors accross states to build relationships and asist with Medicare eligiblity to find the right plan to suit their needs as well as assiting those with certain chronic condititons with finding a suitable plan.

•Assist some who are looking for a plan with to help with hospital coverage or seperate dental and vision needs to find the right plan.

•Performing necessary duties for and in relation to Medicare and Medicaid services to ensure compliance.

Bankers Life- Tampa, Fl May 2023 - September 2023

Licensed Insurance sales and Medicare specialist

Evaluating the need for the right coverage and term for life insurance as well as assisting those with picking the best type of Medicare coverage that suits their need.

Truist - Tampa, FL October 2016 – October 2022

Mortgage Underwriter

Underwrote mortgages and ensured loan submittals met internal and external eligibility requirements including Fannie Mae loans. Determined risk by analyzing client repayment capacity. Maintained compliance with lending, underwriting requirements.

•Selected by senior management to participate in the Gamechanger project team which assisted in testing a new system for implementation of all future loans.

•Balanced loan-volume growth with the equally important necessity of optimum underwriting quality effectively minimizing risk and maximizing profitability.

•Enhanced business and created satisfied clients by leveraging knowledge of loan products in restructuring rejected loans for subsequent approvals.

•Expedited underwriting process through excellent communication with loan processors, loan originators and management throughout all phases.

JPMorgan Chase - Tampa, FL October 2014 - October 2016

Correspondent Underwriter/Conventional Mortgage Underwriter/Appraisal Escalation Desk (Contract)

Underwrote appraisal reports of the collateral for targeted loans. Communicated the collateral UW decision with the Correspondent. Set collateral-related conditions in CLM-LOS. Reviewed the revised appraisal reports ensuring related issues were resolved. Consulted with AED on complex appraisal to resolve issue.

•Provided consultative SME support for credit and collateral UW. Granted or supported collateral exception including 2nd valuation products, ineligible transactions and property types. Provided oversight of appraisal revision process.

Indecomm Global - Tampa, FL April 2013 - October 2013

Mortgage Underwriter

Reviewed all necessary items including title, income, assets documentation and appraisals all while remotely working. Worked in DU system for conventional refinances and purchases.

•Completed 5 plus initial underwrites per day as well as completing any conditions that came in for that day.

Nicole Bell-Royster *********@*****.*** Page Two

Amerisave Mortgage Corporation - Tampa, FL December 2012 - March 2013

Mortgage Underwriter

Reviewed conventional purchases and refinanced mortgages. Reviewed all documents such as income, assets, title and appraisal.

•Remotely worked on a minimum of 5 initial underwrites per day.

Fifth Third Bank - Tampa, FL July 2012 - November 2012 Correspondent Underwriter

Reviewed Correspondent loans approving or denying the purchase of property. Underwrote Conventional loans, HARP, DURP and Jumbo loans. Documented, reviewed, and analyzed qualifiers such as income, assets, title, and appraisal.

•Worked remotely and successfully on at least 4 initial loans daily while meeting 24-hour turnaround time on all conditions.

Bank of America - Tampa, FL January 2007 - January 2012

Mortgage Underwriter/Home Service Specialist/Closer/Team HSS

Underwrote Mortgages and Lines of Credit. Reviewed 1003’s for complete and accurate information and approved or declined the Initial credit decision. Gathered documentation on income, debt to income ration, and assets. Verified title and appraisal validating acceptable to policy and showing no red flags.

•Facilitated projects underwriting conventional loans for California.

•Trained new underwriters ensuring effectiveness and accuracy.

•Ensured compliance with Bank of America, Fannie Mae (FNMA) and Freddie Mac (FHLMC) guidelines.

•Received letters and recognition cards from customers and Mortgage Loan Officers for detained and exemplary file reviews and clear communication with all parties.

EDUCATION AND TRAINING

Certified Medical Assistant - Suburban Medical School, Hempstead, NY

Licensed - 215 Life Incl. Variable Annuity & Health specialist with the State of Florida

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