Bobby Nicoles Email & Phone Number

Pleasanton, California

Pleasanton, California

Brentwood, California

San Francisco Bay Area

-Achieved Conventional-1 underwriting approval authority; consistently ranked in the 95th percentile for non-underwriter approval authority utilization.-Only associate (at site of 400+ FTEs) to receive public recognition and performance award from National Mortgage Fulfillment Executive, Steve D. Boland, for processing proficiency, professionalism and a proven record of delivering results against all KPIs.-Workflow managed with a high degree of detail and exceptional accuracy, resulting in zero investor quality findings and perfect processing quality with regards to ECOA, Non-Funded Dispositions, Fraud Alerts and all critical regulatory metrics. -Obtained and analyzed applicant income and asset documentation, appraisal report, credit report(s), title report, purchase contract and any miscellaneous due diligence items as required by investor and/or regulatory requirements.-Productivity objectives centered around the fulfillment and underwriting of Conventional, MHA and Non-conforming First Mortgages.

San Francisco Bay Area

-Tasked with the end-to-end fulfillment of commercial and large corporate credit facility syndications with annual exposure in excess of $10 billion. -Reviewed complex credit agreements to determine operational feasibility and to ensure that all documentation aligned with the enterprise risk framework and to verify compliance with all governmental and regulatory guidelines.-Considered subject matter expert with regards to the fulfillment of cross-border credit facilities with multinational exposure and foreign currency capabilities.

San Francisco Bay Area

-Selected by senior management to grow our capacity to provide operational support for Bank of America, Canada Branch lending operations in consideration of the organization’s globalization efforts. -Provided client service and operational support for large corporate and commercial debt products including: direct lending, multi-bank and Collateralized Loan Obligation participations, agented lending, and letters of credit for large corporate U.S. and multi-national companies.

Bachelor Of Science, Business Administration, Entrepreneurial Studies And Management Consulting

Relevant Coursework: Business Communications, Advanced Business Writing, Negotiation and Persuasion, Global Strategy, Strategic.

Education record