Brenda Nelson Email & Phone Number

Orlando, Florida, United States

First Coast Service Options | Remote, Florida Analyzed cost reports and provider statistical and reimbursement report information to determine accurate and timely tentative settlements of bad debt payments or other pass-through costs; perform limited and full desk reviews of cost reports for providers that receive Medicare reimbursement and assist senior staff who perform hospital audits.★ Performed limited and full desk reviews of cost reports for providers and hospitals that receive Medicare reimbursement. Generates and customizes all required internal and external correspondence and checklists to facilitate implementation and evidence of the completion of the desk reviews.★ Coordinated with the Senior and/or In-Charge auditor in performing hospital audits. Performs post audit activities including follow-up with provider representatives and preparing the final cost report package.★ Analyzed the cost report and accompanying bad debt logs to update pass-through payment amounts and determine lump-sum adjustments for interim rate accuracy.

United States

During my career with Newfi Lending, I reviewed non-qualified mortgage loan files to identify risk factors and red flags or inconsistencies in each loan by applying tools, resources, and documentation. Moreover, I examined credit reports, income, asset documentation, and real estate appraisals in collaboration with loan processors, account executives, and mortgage brokers to assess mortgage loan risks.Key achievements and contributions during this tenure include:★ I approved mortgage loan applications by verifying client financial information and title reports by checking any outstanding liens, judgments, violations, and bankruptcies, and determining creditworthiness and loan eligibility.★ I enforced key investors’ guidelines in validating income, asset, and collateral documents, including borrowers’ personal and business tax returns, and assessing financial risk during the mortgage application process.★ I enabled a team of underwriters to make credit decisions on loan applications by analyzing mortgage underwriting risk and evaluating borrowers’ loan eligibility while maintaining perfect loan quality with exceptional client service.★ I determined the eligibility criteria of borrowers for loan application processing by checking applicant portfolios and simplifying mortgage loan and underwriting procedures to analyze different applications and make effective decisions.

United States

In this role, I was tasked to underwrite non-qualified residential loans in line with company and secondary market standards. I liaised with account executives, mortgage brokers, and loan processors to meet the Arc Home Loans requirements. Also, I reviewed Non-QM loan applications for documentation by performing initial underwriting for business-purpose loans.Key achievements and contributions during this tenure include:★ I achieved the Arc Home Loans’ business objectives by reviewing loan file documentation to determine the acceptability of the borrower’s credit history, adequacy of liquid assets, and financial capacity regarding mortgage loan requests.★ I succeeded in ensuring sufficient collateral to secure mortgage loans by offering various competitively-priced loan programs and examining property appraisal to determine the suitability and marketability of the property.★ I minimized the financial risk of lenders by exercising prudent lending practices to meet the borrower's specific needs and examining loan documentation for accuracy to make manual credit decisions on a broad spectrum of loans.★ I assessed the lender's financial risk on potential borrowers by reviewing mortgage loan applications to decide on approval or rejection. I evaluated the applicant's eligibility based on financial information and submitted documentation.

United States

I prioritized conforming and jumbo loans based on the closing date to ensure efficient closing while minimizing credit risk exposure. I fully complied with company and investor criteria in processing loan applications by evaluating the borrower's credit, capital, and risk. I updated loan officers, loan processors, and mortgage brokers on the status of loan applications.Key achievements and contributions during this tenure include: ★ I promoted AnnieMac Home Mortgage’s operational excellence by balancing the requirement for loan-volume growth with equally necessary optimum underwriting quality to minimize risk and maximize profitability.★ I validated borrowers' financial strength by checking personal and business tax returns per investor guidelines and collecting information to assess potential clients and decide on acceptable risk as per company policy.★ I am acknowledged for making effective credit decisions on approving and denying mortgage loan applications by analyzing applicants' financial status, credit, and property and tracking the financial risk of AnnieMac Home Mortgage loans.★ I researched the applicant's credit score, prepared assessment reports, analyzed potential loan risk, and requested additional documentation while following loan disciplines, including legislative procedures and regulations.★ I played a vital role in processing loan applications by determining the risk level of applicants, researching clients’ credit, income, and assets, and reviewing applications based on policy guidelines; prepared and submitted risk reports.

United States

I streamlined JP Morgan Chase’s NON-QM mortgage underwriting operations by assessing the financial strength of clients and borrowers to determine credit risk and repayment capacity as per guidelines. I collaborated with teams, loan processors, and loan originators throughout all phases of the underwriting process to ensure consistency and alignment with relevant measures.Key achievements and contributions during this tenure include: ★ I successfully balanced JP Morgan Chase’s need for loan-volume growth with equally important optimum underwriting quality to minimize risk and maximize profitability, along with coordinating and facilitating the underwriter help desk.★ I analyzed financial risks and potential problems within mortgage loan applications by underwriting and approving non-qualified residential loans in compliance with appropriate company and secondary market standards.★ I reviewed loan file documentation to determine the acceptability of the borrower’s credit history, adequacy of liquid assets, and financial capacity for loan requests by liaising with mortgage brokers and loan processors.★ I optimized mortgage underwriting policies and procedures; I motivated, developed, and trained team members in providing proper foreclosure prevention alternatives to homeowners while adhering to investor guidelines.

Bachelor'S Degree, Business Administrations/Accounting

Associate Of Science - As, Computer Technology/Computer Systems Technology