Nicole Best
Louisa
Summary
Experienced Mortgage Professional with over 20 years in the industry. Demonstrated expertise as a Loan Processor and Junior Underwriter, contributing to the underwriting of loans for trading. Committed to expanding knowledge and delivering value through comprehensive industry understanding.
Overview
24
24
years of professional experience
Work History
SR. PROCESSOR III
FIRST HERTIGAGE MORTGAGE, LLC
04.2014 - Current
- Review loan files to verify compliance with programs and application disclosure requirements.
- Reviewed credit, income, assets, appraisal, and title documents to ensure accuracy, requesting additional documentation or clarification as needed.
- Obtain and review customer information to ensure accuracy and validity of all information as stated and documented within the loan file.
- Order necessary documents and follow-up with all third-party service providers to obtain documents/information in a timely manner.
- Managed the progress of all active loans in the pipeline.
- Submitted loans to underwriting for conditional or full approval. Communicated with U/W to facilitate clearance of U/W conditions.
- Maintained open communication with customer to ensure exceptional customer service and satisfaction.
- Completed prior to closing steps and coordinated with all parties to schedule closings, ensuring clear communication of required documents and funds for a smooth closing process.
SR. PROCESSOR III
SUNTRUST MORTGAGE
09.2010 - 03.2016
- Review loan files to verify compliance with programs and application disclosure requirements.
- Obtain and review customer information to ensure accuracy and validity of all information as stated and documented within the loan file.
- Order necessary documents and follow-up with all third-party service providers to obtain documents/information in a timely manner.
- Reviewed credit, income, assets, appraisal, title, etc. for accuracy, requesting additional documentation or clarification as needed.
- Managed the progress of all active loans in the pipeline.
- Submitted loans to underwriting for conditional or full approval. Communicated with U/W to facilitate clearance of U/W conditions.
- Maintained open communication with customers to enhance service quality and satisfaction.
- Completed all prior to closing steps, communicated with parties to schedule closings and to assure all parties were informed as to any documents and or funds that would be required to ensure a smooth timely closing.
SR. LOAN PROCESSOR
CHURCHILL MORTGAGE
09.2009 - 08.2010
- Review loan files to verify compliance with programs and application disclosure requirements.
- Obtain and review customer information to ensure accuracy and validity of all information as stated and documented within the loan file.
- Order necessary documents and follow-up with all third-party service providers to obtain documents/information in a timely manner.
- Evaluated documents including credit, income, assets, appraisal, and title for accuracy, requesting additional documentation or clarification as needed.
- Managed the progress of all active loans in the pipeline.
- Submitted loans to underwriting for conditional or full approval. Communicated with U/W to facilitate clearance of U/W conditions.
- Completed all prior to closing steps, communicated with parties to schedule closings and to assure all parties were informed as to any documents and or funds that would be required to ensure a smooth timely closing.
- Coordinated all steps prior to closing, scheduling and informing all parties of required documents and funds for a smooth closing process.
JR UNDERWRITER
TAYLOR, BEAN WHITAKER
09.2006 - 08.2009
- Review loan files to verify compliance with programs and application disclosure requirements.
- Review loan Syndications to ensure File is documented according to LP or DU.
- Issue approvals, denials or suspense notice within Reg. B guidelines.
- Submitted loans for conditional or full approval and communicated with underwriting to expedite clearance of underwriting conditions.
- Reviewed documents such as credit, income, assets, and title to ensure accuracy and requested additional documentation or clarification.
- Submitted loans to underwriting for conditional or full approval and communicated with underwriting to facilitate clearance of conditions.
- Moved into underwriting in 2012 and became a trainer for new hires in March of 2013 due to new processors needing a mentor to assist in understanding Wells Fargo policies with overlays that our investors do not require and taught underwriting guidelines as well as computer input.
SR PROCESSOR
ADVISORS MORTGAGE
08.2004 - 08.2006
- Review loan files to verify compliance with programs and application disclosure requirements.
- Obtain and review customer information to ensure accuracy and validity of all information as stated and documented within the loan file.
- Order necessary documents and follow-up with all third-party service providers to obtain documents/information in a timely manner.
- Reviewed documents including credit, income, assets, appraisal, and title to ensure accuracy and requested additional documentation or clarification.
- Oversaw loan progress through all stages of the pipeline. of all active loans in the pipeline.
- Submitted loans to underwriting for conditional or full approval and communicated with underwriting to facilitate clearance of conditions.
- Maintained open communication with customer to ensure exceptional customer service and satisfaction.
- Completed all prior to closing steps, coordinated with parties to schedule closings and ensured all parties were informed of required documents and funds for a smooth closing.
LOAN PROCESSOR
BF SAUL MORTGAGE
11.2002 - 07.2004
- Review loan files to verify compliance with programs and application disclosure requirements.
- Obtain and review customer information to ensure accuracy and validity of all information as stated and documented within the loan file.
- Order necessary documents and follow-up with all third-party service providers to obtain documents/information in a timely manner.
- Reviewed documents including credit, income, assets, appraisal, and title to ensure accuracy and requested additional documentation or clarification.
- Managed progress of active loans in pipeline, ensuring timely processing and adherence to deadlines.
- Submitted loans to underwriting for conditional or full approval. Communicated with underwriting to facilitate clearance of conditions.
- Maintained open communication with customer to ensure exceptional customer service and satisfaction.
- Coordinated all prior to closing steps, scheduling closings and informing all parties of required documents and funds for smooth, timely closing.
Education
Charlottesville High School
Charlottesville, VASome College (No Degree) - Business Administration And Management
Piedmont Virginia Community College
Charlottesville, VASkills
- Loan processing
- Loan review
- Loan compliance
- Compliance verification
- Document review
- Underwriting coordination
- Risk assessment
- Document management
Timeline
SR. PROCESSOR III
FIRST HERTIGAGE MORTGAGE, LLC
04.2014 - Current
SR. PROCESSOR III
SUNTRUST MORTGAGE
09.2010 - 03.2016
SR. LOAN PROCESSOR
CHURCHILL MORTGAGE
09.2009 - 08.2010
JR UNDERWRITER
TAYLOR, BEAN WHITAKER
09.2006 - 08.2009
SR PROCESSOR
ADVISORS MORTGAGE
08.2004 - 08.2006
LOAN PROCESSOR
BF SAUL MORTGAGE
11.2002 - 07.2004
Charlottesville High School
Some College (No Degree) - Business Administration And Management
Piedmont Virginia Community College