Mortgage Operations & Underwriting Specialist

NICOLE INGRAM

Suffolk, VA 757-***-**** ***********@*****.***

PROFESSIONAL SUMMARY

Detail-oriented mortgage and financial operations professional with 7+ years of experience in residential underwriting, loan processing, and compliance review. Proven expertise managing high-volume pipelines of 100–120 loans while ensuring compliance with FNMA, FHLMC, VA, USDA, and VHDA guidelines. Skilled in title review, credit analysis, accounts reconciliation, and cross-functional communication. Recognized for analytical problem-solving, accuracy, and strong client relationship management.

CORE COMPETENCIES

Mortgage Underwriting & Loan Processing

Title Review & Legal Documentation

FNMA, FHLMC, VA, USDA & VHDA Compliance

Credit Analysis & DU/LP AUS Decisions

Accounts Payable & Receivable

CRM & Financial Software

Pipeline & Portfolio Management

Customer Relations & Negotiation

PROFESSIONAL EXPERIENCE

Inside Sales Representative GFL Environmental Chesapeake, VA Jul 2023 – Present

Manage strategic customer accounts through proactive relationship management, contract negotiation, and ongoing account support.

Utilize CRM systems to maintain sales pipelines, monitor customer activity, and improve retention strategies.

Consistently deliver high-quality customer service while identifying opportunities for business growth.

Accounts Receivable Clerk Tidewater Utility Construction, Inc. Suffolk, VA Feb 2023 – Jul 2023

Processed accounts receivable transactions, reconciled customer balances, and resolved billing discrepancies with accuracy and efficiency.

Supported financial reporting and maintained detailed payment records to ensure timely collections and account accuracy.

Collaborated with internal teams to streamline invoicing and improve payment processing workflows.

Accounts Payable Clerk Integrated Global Logistics Portsmouth, VA Jun 2022 – May 2023

Managed invoicing and accounts payable operations, ensuring accurate payment processing and vendor reconciliation.

Assisted with month-end financial close activities and maintained organized accounting documentation.

Resolved complex billing discrepancies while supporting operational and financial efficiency.

Condo Project Analyst II – Underwriter Movement Mortgage LLC Chesapeake, VA Nov 2011 – Mar 2022

Managed a pipeline of 100–120 residential loans from application through closing while maintaining strict compliance standards.

Conducted detailed reviews of title work, legal documentation, master declarations, insurance certificates, and tax transcripts.

Performed credit analysis and underwriting decisions using DU/LP AUS systems in accordance with FNMA, FHLMC, and VA guidelines.

Collaborated with loan officers, processors, and closing teams to ensure timely loan approvals and issue resolution.

Maintained exceptional accuracy and compliance in fast-paced, deadline-driven environments.

EDUCATION & CERTIFICATIONS

Certified Notary Public – Commonwealth of Virginia

Real Estate Coursework – Alpha Real Estate School, Virginia Beach, VA

Vocational Studies Diploma – Lake Taylor High School

TECHNICAL SKILLS

PC Lender

CPM

Sage 100 Contractor

QuickBooks

Salesforce

Microsoft Dynamics GP

Microsoft Office Suite

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