Document Review, Customer Service, Loan Processing, Underwriting
Resume:
NICOLE D HOLBROOK
Meridian, ID 208-***-**** ******@*******.*** linkedin.com/in/nicole-holbrook-a8000816
PROFESSIONAL SUMMARY
Underwriter with industry experience and a reputation for assessing and underwriting a wide range of loan products, including VA, FHA, CONV, USDA-RD, Non-QM, Jumbo, and Investment properties. Strong track record of maintaining high quality and accuracy - known for exceptional research, critical thinking, and document review. Thrives in fast-paced environments where attention to detail and compliance are crucial. Holds a DE certification and a commitment to further professional development.
AREAS OF EXPERTISE
Underwriting Loan Processing Loan Origination Attention to Detail Research Document Review Critical Thinking Record Keeping
Cross-functional Collaboration and Communication Loan Processing and Funding Unparallel Innovative Problem Solving Loan Coaching and Mentoring
PROFESSIONAL EXPERIENCE
VRM Lending, Meridian, ID - Remote 2022 –2024
Underwriter - Wholesale
Responsible for underwriting VA foreclosures.
Underwrote Investment properties (manual), self-employed and some owner-occupied files.
Ensured Vendee and VA guidelines were met on each individual file.
Signed off final conditions to ensure timely closings.
Panaroma dba New Vision, Remote 2020 –2021
Underwriter
Responsible for underwriting CONV, FHA, VA and USDA-RD home loans in Encompass.
Held signing authority of $1million.
Mountain America Credit Union, Remote 2017 - 2020
Underwriter
Responsible for underwriting CONV, FHA, VA, JUMBO, Idaho Housing Bond, Non-QM and MACU portfolio loans in Encompass.
Required to underwrite a minimum of 4 files per day, up to 6 files a day depending on number of applications coming in.
Maintained pipeline and closed up to 80 files per month on average.
Averaged less than 5% for QC files and held signing authority of $750k.
CERTIFICATIONS
State of Idaho and Online Notary – RON approved DE- FHA, HUD
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