Summary
Overview
Work History
Education
Skills
Certification
Timeline
Credentials And Licenses
Generic

Nikita Leone

Woodland Hills

Summary

Professional underwriter with comprehensive knowledge in risk assessment, policy development, and client relationship management. Proven track record in delivering high-quality results through collaborative efforts and adaptability to changing market conditions. Strong analytical skills, attention to detail, and strategic approach drive impactful decisions and foster team success.

Overview

23
23
years of professional experience
1
1
Certification

Work History

Senior Underwriter

Village Capital and Investments, LLC
Las Vegas, NV
06.2025 - Current

Responsible for underwriting residential mortgage loans for FHA, In a complete and timely manner with an emphasis on quality and efficiency• Accountable for making sound underwriting decisions while maintaining consistent turnaround times.• Support sales staff and loan coordinators with issues regarding investor guidelines.• Provide assistance to sales force regarding underwriting guidelines and processes.

FHA/Conventional Underwriter /Processor

RAPID MORTGAGE CAPITAL CORP.
Orange, CA
10.2023 - 12.2023
  • Responsible for pre-underwriting residential mortgage loans for FHA and conventional as well as private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Accountable for making sound underwriting decisions while maintaining consistent turnaround times.
  • Support client services with post-closing issues
  • Support sales staff and loan coordinators with issues regarding guidelines.
  • Provide assistance to sales force regarding underwriting guidelines and processes

Retail Mortgage, Regional Underwriting Manager

GUARANTEEDRATE/FORMERLY OWNING INC.
Orange, CA
02.2020 - 04.2022
  • Manage the execution of underwriting, portfolio analysis and account- base decision making in accordance with establish guidelines and processes. Reduce number of loan input errors per file with quality underwrites through training processes. Supervise a staff of 25 underwriters and mortgage loan process in the processing of Jumbo,FHA, FannieMae and FreddieMac. Analyze appraisals for acceptability to investor standards. Prepare various reports including month-end pipeline and activity reports for executive meetings and board reports. Create training material, PowerPoint presentations, and training material. Maintain open communication with and support other departments.

Retail Mortgage, FHA/Conventional Underwriter 2

OWNING, INC.
Orange, CA
02.2020 - 02.2021
  • Responsible for underwriting residential mortgage loans for FHA and conventional as well as private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Accountable for making sound underwriting decisions while maintaining consistent turnaround times.
  • Support client services with post-closing issues
  • Support sales staff and loan coordinators with issues regarding guidelines.
  • Provide assistance to sales force regarding underwriting guidelines and processes.

Correspondent Lending Division, FHA/Conventional Underwriter 3

PENNYMAC, INC.
Thousand Oaks, CA
12.2019 - 02.2020
  • Responsible for underwriting residential mortgage loans for FHA and conventional as well as private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Accountable for making sound underwriting decisions while maintaining consistent turnaround times.
  • Support client services with post-closing issues
  • Provide assistance to client management team regarding underwriting guidelines and processes.

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

AMERICAN FINANCIAL NETWORK, INC.
Chino Hills, CA
08.2019 - 12.2019
  • Responsible for underwriting residential mortgage loans for FHA, conventional, jumbo and private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Accountable for making sound underwriting decisions while maintaining consistent turnaround times.
  • Support sales staff and loan coordinators with issues regarding investor guidelines.
  • Provide assistance to sales force regarding underwriting guidelines and processes.

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

SIERRA PACIFIC MORTGAGE
Fresno, CA
06.2017 - 06.2018
  • Responsible for underwriting residential mortgage loans for FHA, conventional, jumbo and private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Accountable for making sound underwriting decisions while maintaining consistent turnaround times.
  • Support sales staff and loan coordinators with issues regarding investor guidelines.
  • Provide assistance to sales force regarding underwriting guidelines and processes.

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

WINTRUST MORTGAGE CORPORATION
Sherman Oaks, CA
01.2017 - 06.2017
  • Responsible for underwriting residential mortgage loans for FHA, conventional, jumbo and private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Accountable for making sound underwriting decisions while maintaining consistent turnaround times.
  • Support sales staff and loan coordinators with issues regarding investor guidelines.
  • Provide assistance to sales force regarding underwriting guidelines and processes.

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

SIERRA PACIFIC MORTGAGE
Fresno, CA
03.2014 - 01.2017
  • Responsible for underwriting residential mortgage loans for FHA, conventional, jumbo and private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Accountable for making sound underwriting decisions while maintaining consistent turnaround times.
  • Support sales staff and loan coordinators with issues regarding investor guidelines.
  • Provide assistance to sales force regarding underwriting guidelines and processes.

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

AMERICAN FINANCIAL NETWORK, INC.
Chino Hills, CA
01.2011 - 03.2014
  • Responsible for underwriting residential mortgage loans for FHA, conventional, jumbo and private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Accountable for making sound underwriting decisions while maintaining consistent turnaround times.
  • Support sales staff and loan coordinators with issues regarding investor guidelines.
  • Provide assistance to sales force regarding underwriting guidelines and processes.

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

PROSPECT MORTGAGE
Sherman Oaks, CA
10.2008 - 12.2010
  • Responsible for underwriting residential mortgage loans for FHA, conventional, jumbo and private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Accountable for making sound underwriting decisions while maintaining consistent turnaround times.
  • Support sales staff and loan coordinators with issues regarding investor guidelines.
  • Provide assistance to sales force regarding underwriting guidelines and processes.

Wholesale Mortgage Underwriter 3

METROCITIES MORTGAGE
Sherman Oaks, CA
05.2007 - 10.2008
  • Responsible for underwriting residential mortgage loans for conventional, jumbo and private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Duties include all aspects of underwriting, quality control and guideline compliance. Extensive experience in client service and support for sales staff as well as problem resolution

Wholesale Mortgage Underwriter

ALLIANCE BANCORP (FORMERLY UNITED FINANCIAL MORTGAGE CORPORATION)
Encino, CA
01.2003 - 05.2007
  • Responsible for underwriting residential mortgage loans for conventional, jumbo and private mortgage insurance in a complete and timely manner with an emphasis on quality and efficiency
  • Duties include all aspects of underwriting, quality control and guideline compliance. Extensive experience in client service and support for sales staff as well as problem resolution

Education

A.S. - Culinary Arts

Art Institute of California-Santa Monica
Santa Monica, CA
10.2000

Skills

  • Proficient in Loan Prospector, Desktop Underwriter, and other proprietary AUS Systems
  • Windows, XP, 2000, 98,95, Microsoft Office, Pronet and Contour, Encompass Banker, Encompass Broker, Datatrac, Point, OPS, Expressloan, Lending Space, Empower, Blitz

Certification

  • DE underwriter
  • USDA

Timeline

Senior Underwriter

Village Capital and Investments, LLC
06.2025 - Current

FHA/Conventional Underwriter /Processor

RAPID MORTGAGE CAPITAL CORP.
10.2023 - 12.2023

Retail Mortgage, Regional Underwriting Manager

GUARANTEEDRATE/FORMERLY OWNING INC.
02.2020 - 04.2022

Retail Mortgage, FHA/Conventional Underwriter 2

OWNING, INC.
02.2020 - 02.2021

Correspondent Lending Division, FHA/Conventional Underwriter 3

PENNYMAC, INC.
12.2019 - 02.2020

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

AMERICAN FINANCIAL NETWORK, INC.
08.2019 - 12.2019

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

SIERRA PACIFIC MORTGAGE
06.2017 - 06.2018

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

WINTRUST MORTGAGE CORPORATION
01.2017 - 06.2017

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

SIERRA PACIFIC MORTGAGE
03.2014 - 01.2017

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

AMERICAN FINANCIAL NETWORK, INC.
01.2011 - 03.2014

Retail Mortgage FHA/Conventional/Jumbo Underwriter 3

PROSPECT MORTGAGE
10.2008 - 12.2010

Wholesale Mortgage Underwriter 3

METROCITIES MORTGAGE
05.2007 - 10.2008

Wholesale Mortgage Underwriter

ALLIANCE BANCORP (FORMERLY UNITED FINANCIAL MORTGAGE CORPORATION)
01.2003 - 05.2007

A.S. - Culinary Arts

Art Institute of California-Santa Monica

Credentials And Licenses

  • DE underwriter
  • USDA
Nikita Leone