Denise Nicholson's Location
Phoenix, Arizona, United States, United States
Denise Nicholson's Contact Details
Denise Nicholson work email
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Denise Nicholson personal email
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About Denise Nicholson
Highly motivated D.E., Jumbo, and Conventional Underwriter, with exceptional communication skills. Demonstrated abilities in leadership and customer service. Collaborative team player, dedicated, organized, self-starter with outstanding analytic capabilities. 25+ yrs experience in residential lending. Known for high-quality underwriting and risk assessment, income/credit analysis, and up-to-date knowledge of current guidelines. Well-versed in complicated self-employed income reviews, full Condo reviews, FHA refinances, Jumbo programs, and various DPA programs. Consistently meets and exceeds production goals while maintaining the highest quality standards.
Denise Nicholson's Current Company Details
Remote
Seasoned D.E., Jumbo, Conventional Mortgage Underwriter looking for next awesome opportunity!
Denise Nicholson Work Experience Details
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Seasoned Fha, Jumbo, Conventional Mortgage Underwriter Looking For Next Awesome Opportunity!Remote Oct 2022 - PresentInitiative-taking D.E. Senior Underwriter with 25+ years’ experience in FHA, Conventional and Jumbo mortgage lending.• Exceptional communication skills resulting in company awards for customer service.• Demonstrated abilities in leadership resulting in spearheading company initiatives with the Loan Craft SE Income program and National Condo Advisors for full condominium reviews.• Well versed in new construction lending with an emphasis on government products.• Known for high-quality underwriting and risk assessment, including complicated self-employed income scenarios, full Condo reviews and FHA refinances.• Expert knowledge of DU, LP, Texas DPA programs and FNMA Collateral Underwriter.
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Senior De Mortgage Underwriter RemoteRepublic State Mortgage, Nmls # 62411 Jun 2019 - Oct 2022Houston, Texas, UsCompleted detailed analysis of credit, income, assets, and collateral, to determine risk, and to ensure loans met investor & agency guidelines. Proposed alternate programs to LO’s based on borrowers’ unique circumstances resulting in significant savings to borrowers and increased referrals. Collaborated closely with LO’s, managers, and processors to overcome various loan challenges while maintaining high-quality standards and ensuring guidelines were met. Performed timely review of conditions within specific turn times, ensured conditions met guidelines and resolved issues as they arose. Numerous awards for top producer, quality of production and team spirit. Worked necessary hours to keep the company within stated turn times and ensure Agent/borrower satisfaction and closing dates were met. -
De Mortgage UnderwriterEagle Home Mortgage / Lennar Homes Fka Calatlantic Homes Jun 2013 - May 2019Builder / New Construction. Completed detailed analysis of borrowers' credit, income, assets to ensure loans met agency and government guidelines. Collaborated closely with LO's, Processors, Closers and Managers to overcome challenging issues while maintaining the highest loan quality standards were met. Consistently met production and quality goals. Help develop and present regular Underwriting Training sessions for LO's and Processors who were interested in learning more about underwriting.
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Team Support AssociateBusiness Development Finance Corporation Aug 2010 - Jun 2013Phoenix, Az, UsAlso worked here Feb 2008 – Dec 2009SBA CDC. Assisted closers/servicers/underwriters in all aspects of quality control, loan closing, funding, and servicing. Selected as a member for two Special Project Teams to develop efficient pre-qualification and intake processes, while increasing company market share, and maintaining highest level of customer service. Performed wide variety of deadline-specific functions vital to maintaining outstanding customer and business relationships; as well as ensuring strict compliance guidelines were met. Researched and obtained required file documents as necessary for both pre-and post-closing and funding. Prepared wide variety of complex monthly reports for internal and external data review purposes. -
Mortgage Staff AccountantCaliber Funding, Llc Dec 2009 - Jul 2010Coppell, Tx, UsPerformed daily and monthly reconciliations of 10+ GL’s and three separate warehouse lines. Prepared, maintained, and distributed various daily/monthly warehousing reports. Managed daily fundings, wire requests and investor payoffs; and ensured purchase wires balanced. Communicated with investors and borrowers to research and resolve loan servicing issues. -
Closing/Servicing/MarketingBusiness Development Finance Corporation Feb 2008 - Dec 2009Phoenix, Az, UsSBA CDC Commercial LenderAssisted closers/servicers/underwriters in all aspects of quality control, loan closing, funding, and servicing. Selected as member for 2 Special Project Teams to develop efficient pre-qualification and intake processes, while increasing company market share and maintaining highest level of customer service. Identified and obtained required file documents for pre- and post-closing and funding. Prepared wide variety of complex monthly reports for internal and external use by management.
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Senior Loan ProcessorJssmith Mortgage, Llc Dec 2006 - Feb 2008Managed pipeline of 200+ files for 3+ top producing Account Executives. Pre-qualified and credit graded all new submissions to ensure desired program requirements were met. Worked closely with borrowers and AE's to determine initial loan structure for optimal borrower benefits. Worked closely with Underwriters & AE's to ensure all conditions met guidelines. Closed loan with borrower, title, and Realtors. Funded file, and performed post-funding review and compliance procedures.
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Sr Loan Processor / Junior UnderwriterMortgage Investors Group Jan 2004 - Dec 2006Managed pipeline of 300+ loans, for 5+ top producing Account Executives. Pre-qualified and credit graded all new file submissions to ensure desired program requirements were met. Assisted brokers in pricing, loan structure, understanding conditions, and resolving complicated loan issues. Worked closely with investors, underwriters, brokers, borrowers, and AE's to ensure timely receipt and acceptability of conditions. Performed in depth closing and funding audits of all loans to ensure smooth closing, funding, and shipping. Supported AE's by soliciting new and additional business through various marketing strategies. Created company marketing materials which increased loan applications by 25%.
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Junior Underwriter/Financial Analyst Asst-SecondaryFirst National Bank Of Arizona Oct 2001 - Dec 2003UsPre-qualified and credit graded all new file submissions to guarantee desired program requirements were met. Assisted brokers in pricing, loan structure, understanding conditions, and resolving various loan challenges as they arose. Collaborated with underwriters and brokers to ensure timely receipt and acceptability of conditions.Financial Analyst Assistant - Secondary MarketingPrepared monthly commissions for Wholesale and Retail Sales staff consisting of over 300 employees. Managed communication between Secondary Marketing, sales, and investors to resolve pricing discrepancies affecting commissions, broker premiums, and YSP from Investorsd. Implemented improved process to expedite accurate commission payouts. Developed new automated programs resulting in significant savings of over 40 work hours per month. Created and maintained various complex secondary marketing reports and procedures, resulting in improved data collection and analysis, and significantly increased productivity and a competitive industry advantage -
Lead Warehouse Accountant/Funding Specialist Secondary MarketingMatrix Financial Services Apr 1999 - Oct 2001Supervised process of sending, balancing and reconciling over 100+ wires per day. Reconciled warehouse lines and implemented routine procedures to notify bank of incoming/outgoing wires. Significantly reduced the time required to complete bulk transfers between warehouse lines. Processed and reconciled daily Private Investor payoff and agency pool wires. Processed Private Investor loan sales and reconciled purchases to ensure exact funding totals. Ensured all sales were in compliance regarding borrower and insurance disclosures. Researched and resolved issues regarding escrows, disbursements, payments due and principal reductions. Created and maintained various Purchase and Profit reports for Secondary Marketing Management.
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Office ManagerResidential Mortgage Credit Reporting Dec 1995 - Mar 1999Created full residential mortgage credit reports for Mortgage Brokers for purposes of mortgage lending. Managed 20+ employees in the Processing and Customer Service departments. Maintained highest level of customer service, quality of reports, and productivity of employees. Designed and implemented new procedures to save time, and streamline the workload of all departments. Managed communication between employees, borrowers, creditors, brokers, and lenders to ensure credit report met lender specifications. Researched and resolved credit report discrepancies with the creditors, bureaus, and borrowers.
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Customer Service SupervisorLaboratory Corporation Of America Dec 1989 - Dec 1995Personally managed/serviced 200+ accounts with a combined monthly revenue of over $400,000. Created and implemented client monitoring programs to provide the highest level and quality of service. Trained employees and managed delegation of daily responsibilities to employees in a busy call center environment. Designed/implemented new procedures to save time, improve customer service, and build employee morale.
Denise Nicholson Skills
Loans
Mortgage Lending
Credit
Real Estate
Loan Servicing
Funding
Investment Properties
Underwriting
Finance
Loan Origination
Sales
Customer Service
Mortgage Banking
Insurance
Accounting
Management
Refinance
Credit Analysis
Residential Mortgages
Commercial Lending
Microsoft Excel
Microsoft Office
Pricing
Outlook
Balance
Denise Nicholson Education Details
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Grand Canyon UniversityFinance/Accounting
Frequently Asked Questions about Denise Nicholson
What company does Denise Nicholson work for?
Denise Nicholson works for Remote
What is Denise Nicholson's role at the current company?
Denise Nicholson's current role is Seasoned D.E., Jumbo, Conventional Mortgage Underwriter looking for next awesome opportunity!.
What is Denise Nicholson's email address?
Denise Nicholson's email address is de****@****cox.net
What schools did Denise Nicholson attend?
Denise Nicholson attended Grand Canyon University.
What skills is Denise Nicholson known for?
Denise Nicholson has skills like Loans, Mortgage Lending, Credit, Real Estate, Loan Servicing, Funding, Investment Properties, Underwriting, Finance, Loan Origination, Sales, Customer Service.
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