Nichole Hollins has over 15 years of experience in financial analysis and underwriting. She is currently a contract underwriter for Fortace, LLC where she analyzes borrower credit, income, assets and appraisals to make final loan approval decisions. Prior to her current role, she worked as an Underwriter III for Alabama Trust Bank National Association, where she underwrote complex loans, provided training, and ensured adherence to guidelines. She holds a Bachelor's degree in Medical Records and Health from Alabama A&M University.

1. Nichole Hollins
116 Plantation Trace
Dr Duluth, GA. 30096
251-447-1837
Qualifications
Experienced analytical and detail-oriented financial industry professional with a vast
knowledge in managing regulatory compliance, investigating loans and banking
activities. Excellent analytical, interpersonal, written and oral communication skills.
Detail minded with intense organizational and follow through skills. Proficient in MS
Office, including EXCEL and has strong computer skills. Pre-Funding Reviews, ARM
Audits, Quality Control Audits, Early Payment Default Reviews, HMDAAudits, Legal
Compliance Reviews, Servicing Audits, DU, LP, FNMA, FHLMC Guidelines, FHA, VA,
GNMA Guidelines, Loan Modifications (HAMP program).
Experience
Fortace, LLC – Manhattan Beach, CA
June 2012 - Present
Contract Front Line Underwriter / Due Diligence (Remote)
• Analyze and evaluates all aspects of borrower credit, employment/income and
asset profile.
• Make final decision on acceptance or decline of loan requests.
• Analyze the Real Estate appraisal report and make a decision on information
supplied to ensure that marketability and value of property are supported within
the report.
• Underwrite all conventional conforming and jumbo loans in accordance with
investor guidelines.
• Underwrite FHA/VA, state housing and specialty programs in accordance with
requirements dictated by the Department of HUD; Veteran Affairs; and
appropriate state housing agencies.
• Ensure that HFC's credit policy and procedures are adhered to and the product
guidelines are followed.
• Utilize automated underwriting systems as dictated by product and investor.
• Ensure the accuracy of all necessary criteria for specific loan types, products,
rates and fee structures.
• Ensure that all credit and appraisal documentation meets the necessary
requirements and are completed properly.
• Review and underwrite all loan files in a consistent and timely manner.

2. • Supports loan originators, sales managers and processing staff in structuring
difficult deals.
• Responsible for making counteroffers on loans that do not conform to products
under which they were originated.
Alabama Trust Bank National Association – Sylacauga, AL
July 2010 - May 2012
Underwriter III
• Responsible for analyzing highly complex financial and credit information
according to internal underwriting standards, investor guidelines, and federal
regulations
• Underwrote a wide variety of product and loan types with a higher aggregate
credit exposure including underwriting exceptions not determined through DU.
• Compiled, analyzed, and document loan data and credit risk, borrower and
property information.
• Reviewed more complex loans requiring exceptions.
• Provided strong and clear communication to processors, underwriters, mortgage
professionals and borrowers regarding documents needed for mortgage loan files
to ensure quick turnaround time.
• Provided training and assistance to Underwriters I and Underwriters II to assist
with performance improvement and developmental opportunities.
• Adhered to all applicable internal NPI policies and procedures, and protects the
confidentiality of borrower information.
• Direct Underwriters I or Underwriters II to perform a variety of administrative
duties in support of the operation.
• May lead the work of others in the absence of the Underwriting Manager,
ensuring staff has tools and support necessary to efficiently decision loans.
Superior Bank – Birmingham, AL
June 2005 - July 2010
Due Diligence Underwriter
• Developed and maintained models to depict projected financial results and to
value companies
• Worked closely with senior bankers on presentations, financial and credit

3. analysis, and the preparation of financial projections and models
• Supported various financial analyses, including valuations and merger
consequences
• Performed comprehensive and in-depth company and industry research
• Prepared presentations and other materials for clients
• Conducted research, participating in strategic planning and assisting in the
execution of advisory services
• Conducted financial analysis, preparing credit packages, and monitoring existing
deals; creating pitches, proposals, and marketing materials
• Participated in client meetings, due diligence visits, and other client interactions
to gain exposure to key executives and senior bankers
• Used risk-management tools to monitor trading positions and manage risk
• Served as chief liaison between clients and President of company.
• Assembled, coordinated, and negotiated the production of presentations, reports,
technical papers, forms, agreements, contracts, and proposals.
• Compiled, organized, and recorded shipment documentation, and reports for
quality control.
• Analyzed data from client accounts and supporting documents to process
inbound/outbound orders, invoices, and billing reports, as well as track and verify
receipt of orders.
• Completed audits to ensure productivity, quality, and customer-service standards
were met and complied with legal regulations and client expectations.
• Corresponded with clients via email, phone, and/or fax to provide detailed
financial account information.
• Accomplished warehouse operations and organization mission by completing
related results as needed.
Skills
• Compliance Monitoring
• Conforming & Nonconforming Loans
• Project Management
• Training
• Lending & Underwriting Guidelines
• Staff Development
• Loan Closing, Funding & Documentation
• Credit & Income Analysis

4. • Cash-Flow Analysis
• Operational Risk
• Conventional & Government Mortgages
• Foreclosure Review
• Policy Development
• SCRA HMDA and RESPA Training
• Global Market Experience
EDUCATION Alabama A&M
Huntsville, AL
Major: Bachelor
Medical Records and Health
Mobile, AL
Major: Medical Records and Health Information