Michael Nasr Email & Phone Number

Watertown, Ma, Us

As part of CLA’s Mortgage Advisory Division, successfully managed and nurtured client relationships, providing expert guidance on adherence to Investor guidelines for Quality Control (QC), including FNMA, FHLMC, FHA/VA, and USDA requirements. Led a team of Quality Control analysts, delivering comprehensive training and support on Pre-and Post-Close reviews, and Early Payment Default reviews. Directed the reporting team in the design, build, and customization of reports for clients. Collaborated with the Compliance team to implement and maintain robust client QC plans, ensuring strict adherence to agency compliance guidelines and lender overlays. Developed and maintained QC checklists, guides, and policies, ensuring alignment with regulatory requirements and industry best practices. Conducted research on Investor guidelines and industry-related topics, staying abreast of regulatory changes and best practices in the mortgage industry. Managed internal operating systems, databases, and SharePoint portal sites. Implemented system enhancements and collaborated with IT teams to optimize QC processes and streamline workflows, contributing to the development of an interactive dashboard that improved the rebuttal process and enhanced client experience, leading to increased efficiency for both clients and staff. Managed incoming jobs and workload tracking. Mentored and coached staff members to support their professional development and career growth. Proficient in maintaining strong client connections, ensuring smooth operation of internal systems, and designing impactful reports.

Within CLA’s Mortgage Advisory Division, directed and nurtured client relationships for over 20 diverse clients, tailoring quality control measures to their specific needs. Conducted post-closing and prefunding loan quality control reviews, ensuring strict adherence to agency guidelines. Thoroughly reviewed QC jobs, addressing exceptions identified by analysts and generating comprehensive reports. Managed lender inquiries effectively, providing appropriate responses and guidance. Addressed management response rebuttals and collaborated with relevant departments to ensure smooth operations. Additionally, administered internal operating systems, including SharePoint and Crystal Reports.

Proven Mortgage Underwriter with expertise in FNMA and FHLMC programs. Skilled in Desktop Underwriter (DU) and Loan Prospector/Loan Product Advisor (LP/LPA). Demonstrated success in calculating qualifying ratios, assessing creditworthiness, and analyzing diverse financial documents. Experienced in resolving discrepancies in appraisal reports and ensuring compliance with underwriting guidelines. Effective communicator providing exceptional customer service throughout the loan process.

Engaged directly with account executives covering Massachusetts and out-of-state territories to foster strong broker relationships. Managed the pipeline of loan applications and oversaw the management of rate sheets. Effectively communicated complex financial matters to individuals at all organizational levels. Provided pricing scenarios and secured interest rates for broker clients. Demonstrated extensive product knowledge and kept up-to-date on current guidelines. Communicated program changes and their financial impact clearly. Collaborated with personnel at all levels to guide loans from submission to funding. Accompanied account executives on visits to further develop broker relationships when needed.

Mortgage Underwriter with a strong background in evaluating loan applications, establishing underwriting guidelines, and making informed risk decisions. Proficient in analyzing borrower financials, credit information, and property valuations to provide lending recommendations. Experienced in conducting thorough reviews of loan documentation to ensure accuracy and adherence to agency conforming loan standards. Collaborative team player with a focus on effectively bringing loans to closing.

Reviewed and cleared loan file conditions, supported brokers and underwriters in clearing all pending conditions.

Obtained titles, prepared closing packages, and reviewed HUDs.

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