Nitashia Harris

Generate residential loan originations, match borrowers to optimal programs, and review documentation to meet underwriting guidelines with a production goal of 2 loans/month up to $4M.

Underwrote hybrid non-QM and reverse mortgage products, reviewed income and assets across multiple tax forms, and approved appraisals, title, trusts, and POAs with up to $2M authority.

Reviewed FHA and conventional purchase and refinance loans, analyzed diverse income and asset types, maintained a 50–75 loan pipeline, and performed second reviews and condition clearances.

Analyzed conventional purchase and refinance loan applications, evaluated title and appraisal documentation, and prepared loans for quality review with a lending authority of $510,400.

Underwrote FHA and conventional purchase and refinance loans, validated credit, income, title, and appraisal documentation, and identified portfolio and fraud risks while supporting remote branch pipelines.

Reviewed conventional refinance loans for 1–4 unit properties per FNMA/FHLMC guidelines, analyzed credit and collateral, and increased branch broker productivity through process improvements.

Managed pipelines of FHA and conventional purchase and refinance loans, issued conditional approvals per DU/DO/LP/manual findings, and performed manual underwriting to clear conditions.

Performed final signoffs and detailed reviews of conventional loans to ensure Fannie Mae and company guideline compliance, issuing clears to close through automated and manual underwriting methods.