Nirma Nin Email & Phone Number

United States

United States

Manually underwrote credit, income and asset documentation on HECM Loans, performed appraisal report analysis to ensure adequacy of value of collateral properties. Utilized public records search to uncover information associated with properties. Reviewed title commitments, legal descriptions and recorded mortgage-related documents, tax assessments and metes and boundaries. Maintained 24-hour loan decision, appraisal review, and conditions review turn time to meet company SLA. Analyzed Data-Verify reports as part of quality control and fraud prevention process, which reduced company risk and loss. Interacted with Quality Control, Compliance, Funding and Insuring for problem resolution, risk evaluation and compliance concerns.

United States

Manually underwrote credit, income and asset documentation on HECM Loans, performed appraisal report analysis to ensure adequacy of value of collateral properties. Utilized public records search to uncover information associated with properties. Reviewed title commitments, legal descriptions and recorded mortgage-related documents, tax assessments and metes and boundaries. Maintained 24-hour loan decision, appraisal review, and conditions review turn time to meet company SLA. Analyzed Data-Verify reports as part of quality control and fraud prevention process, which reduced company risk and loss. Interacted with Quality Control, Compliance, Funding and Insuring for problem resolution, risk evaluation and compliance concerns.

Credit, Income and Asset Underwriting on Conforming and FHA loans, performed appraisal report analysis to ensure value of collateral properties are present on FHA loans. Maintained 24-hour loan decision turn-time and 2-hour turn-time on conditions to meet company SLA. Analyzed Data-Verify report as part of quality control / fraud prevention process, which reduces company risk / loss. Aided & mentored all operations staff with the “conditions clearing” process to ensure timely closing dates and set realistic expectations for the team.

Iselin, Nj

Remote Production Underwriter (Wholesale and Correspondent LOBs), July 2014 – January 2021Underwrote Non-QM Loans up to $3 million, FHA Loans (including Manual Downgrades) and PMI-Conforming Loans. Reviewed and cleared underwriting conditions, including title, homeowner’s insurance, asset and income documentation. Achieved 24-hour loan decision turn-time to consistently meet Customer SLA, which improved overall customer satisfaction, maximized profit and minimized risk and loss while ensuring the company’s professional reputation was protected. Performed appraisal report analysis to ensure adequacy of value of collateral properties. Analyzed Data-Verify reports as part of quality control and fraud prevention process, which reduced company risk and loss. Provided excellent customer service to brokers and correspondent lenders, and operations staff in assisting with the “conditions clearing” process to ensure timely closing dates. Underwrote loans in accordance with PMI company guidelines and collaborated with PMI companies to approve and clear loans for closing to ensure loan salability.

Remote Mortgage Loan Underwriter III (Wholesale, Correspondent and Retail LOBs), June 2007 – Dec 2013Pre-SunTrust Mortgage acquisition: Underwrote Conforming Loans, Non-Conforming Loans and Alt-A Loans using DU in a wholesale lending environment. Reviewed and cleared underwriting conditions, including title, homeowner’s insurance and income documentation with Level III authority within 24-hour turn time. Reviewed loan packages for completeness and compliance with authority to place loan in “Clear to Close” status.Post-SunTrust Mortgage acquisition: Underwrote FHA Loans, PMI-Conforming Loans, Non-Conforming Loans, Portfolio Loans, Jumbo Loans and Second Mortgage Loans with $1 million credit lending authority. Reviewed and cleared underwriting conditions, including title, homeowner’s insurance and income documentation. Consistently maintained 24- to 48-hour loan decision turn-time, which improved overall customer satisfaction, maximized profit, and minimized risk and loss while ensuring