Natalie Helo

Motivated, goal-oriented mortgage professional with nearly a decade of experience as a hands-on leader. Who offers strong interpersonal, leadership and project management skills along with a proven history of success in underwriting and loan analysis experience; always determined to excel in staff development; mentoring and providing high-quality internal and external customer service; thrives in seeking a position, with a reputable organization that will lead to increased professional growth.

Non-QM Underwriter - THE LOAN STORE

(2025-01)

Conducted thorough manual analysis of mortgage loan files, evaluating borrower income, credit history, assets, and liabilities to assess repayment ability and compliance with applicable. Underwrote a diverse portfolio of Non-QM loans, including Bank Statement only, Asset Depletion, DSCR, 1099 only, W2 only, One Year Self-Employed, Profit and Loss only and WVOE only; ensuring adherence to company and investor guidelines

• Cultivated and managed relationships with new and existing wholesale mortgage brokers through consistent outreach and scheduled appointments
• Delivered expert guidance on company loan programs, pricing models, submission protocols, and policy updates
• Acted as a liaison to ensure brokers were informed of procedural changes and compliance requirements
• Supported brokers throughout the loan submission process to facilitate accurate and timely applications
• Provided training on internal online systems including automated underwriting tools, rate sheet access, and loan lock workflow

Senior Non-QM Underwriter - KIND LENDING, LLC

(2024-05 - 2024-12)

Review and analyze applications for NON-QM residential mortgage loans. Responsible for reviewing third party reports such as credit reports and appraisals, reviewing and calculating income, reviewing asset documentation, and following up on outstanding loan conditions, clearing files to close, and ensuring compliance with all applicable lending guidelines. Well versed with all Non-QM products such as 12/24 bank statements, Asset Depletion, DSCR, WVOE only, 1099 only, ITIN, Foreign National.

Reviewed Trust

Agreements and required corporation documentation.

• Analyze loan packages to render valid credit decisions consistent with NON-QM guidelines, investor overlays, industry standards and internal policies.
• Review borrower's capacity and ability to repay per compliance regulations
• Maintain company set SLA's while accommodating rush requests and exceptions.
• Discuss and review files with brokers, account executives, account managers, team leaders or managers
• Recommend restructuring of loans to comply with guidelines when required
• Manage and execute multiple priorities and tasks effectively in a high-pressure environment
• Resolve post-closing underwriting issues

Non-QM Mortgage Underwriter - QUALITY BANC MORTGAGE

(2023-02 - 2024-03)

Reviewed and analyzed Non-QM loans which also included self-employed income with personal and business tax returns, profit and loss Profit and Loss only, W2 only, asset depletion, foreign national and ITIN borrowers, bank statement programs, and DSCR.

• Leverage expertise in frontline Non-QM underwriting first and second mortgages to navigate complex financial profiles with unique income structures.
• Implemented refinements to the underwriting guidelines for all Non-QM Loan Programs, leading to improved risk management
• Review foreign income and bank statements, preliminary reports, and credit reports as well as restructure loans.

Non-QM Mortgage Underwriter - ARC HOME LOANS

(2021-05 - 2022-11)

Performed frontline manual underwriting for Non-QM residential mortgage products with Arc overlays. Analyzed income, assets, credit, title, and collateral information. Well versed on Non-QM products 12/24 bank statements, Asset Depletion, DSCR, WVOE only, 1099 only, ITIN, and Foreign National.

• Analyzing risk and compliance of residential mortgage loan applications within company and investor guidelines
• Reviewing resubmitted documentation and issuing final loan decisions
• Responding to loan audits and post-closing requests for additional documentation
• Conducted risk assessments on potential clients based on borrowing history, credit rating, and income.

Non-QM Mortgage Underwriter | Team Leader - GREENBOX LOANS, INC.

(2018-12 - 2020-10)

Conducted analysis of appraisals, titles, and hazard insurance in compliance with RESPA, TILA, and TRID regulations. Implemented Greenbox overlay and incorporated COVID-19 requirements and guidelines to ensure accurate assessments. Executed diverse non-prime programs, including Fix and Flip, Hard Money, Asset Depletion, VOE only, Foreign National, and Alt Doc Programs.

• Streamlined the underwriting process, reducing average processing time and enhancing operational efficiency, leading to improved customer satisfaction.
• Exceeded monthly production targets by effectively balancing speed and accuracy
• Maintained company standard for productivity level and complied with company policy of 48 hour underwriting turnaround time and 24-hour turnaround time for condition reviews.

Senior Mortgage Underwriter - URBAN LENDING SOLUTIONS

(2013-10 - 2018-12)

Performed underwriting of conventional loans in accordance with GSE and Bank of America guidelines, while maintaining file quality and ensuring compliance with company and investor standards.

• Educated and mentored loan processors, contributing to team competency, efficiency, and overall productivity.
• Leveraged knowledge of Fannie Mae and Freddie Mac lending guidelines to ensure precise evaluations.
• Reviewed income, asset, prelim, appraisal, credit, purchase contract and credit report

Litigation Senior Underwriter - Bank of America

(2010-03 - 2013-09)

Manually underwritten closed litigated mortgage loans. Evaluated loan risk documentation provided at the time of funding against loan criteria, guidelines and standards. In charge of writing appeals and rebuttals for mandated litigated mortgage transactions with a 98% success rate on all assigned foreclosed mortgage transactions.

• Manually underwritten closed mortgage transactions
• Responsible for writing appeals and rebuttals on foreclosure residential properties
• Excellent problem solving by producing critical missing documentation in lieu of traditional documentation closing.

Conventional Mortgage Underwriter - Countrywide Home Loans

(2005-07 - 2010-02)

Maintained underwriting and signing authority for loans of up to $1 million with no second signature required (A-D grade paper). Analyze documents and complete complex income calculation. Documentation preparation packages for products approved within retail guidelines. Ensure the timely disposition and control of legal documentation, collateral and documentation records in a manner that complies with bank policy and minimizes the risk of loss to the bank

• Validate automated underwriting findings, asset, income, and collateral documents while verifying accuracy and completeness.
• Provided exceptional customer service by maintaining thorough knowledge of the lending programs, policies, procedures and regulatory requirements.
• Ensured all loans were underwritten with attention to detail accuracy and within compliance
• Review appraisal to ensure valuation is accurate and value is supported.