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Bob St Louis

**** ********* *****, ****** ******, FL 33543

Phone: 813-***-**** • Email: acc09q@r.postjobfree.com

Expert in the Mortgage Banking Industry with Nearly 10 Years of Proven Experience

Detailed-oriented, organized and profit driven mortgage lending professional qualified by nearly 10 years

of real estate finance and leadership experience in the Financial Sector. Offering a rare combination of

superior interpersonal skills coupled with in-depth technical knowledge of mortgage lending laws and

regulations. Goal-driven, dependable with a proven track record of establishing priorities and completing

work assignment within the allotted time.

KEY STRENTGHS

Underwriter • Quality Control • Risk Analyst / Home Equity Line of Credit / Desktop Underwriter • Loan

Prospector / Clues / AUS / FNMA / FHLMC / Strategyware / Capstone / ACAPS • STM Partners/ MLCS/

CMS • Self-Employed Income Analysis / Appraisal Underwriting / Assets analysis • Strong

Communication & Organizational Skills • Microsoft Office (Word, Excel Spreadsheet, Access,

PowerPoint, Outlook) • Bi-lingual in French • Strong Leadership Skills.

PROFESSIONAL EXPERIENCE

SUNTRUST MORTGAGE, Tampa, Fl 2012 - Present

Responsible for underwriting mortgage loans to ensure compliance with SunTrust Agency guidelines and

secondary market standards.

Communicate with broker client throughout the whole underwriting process to mitigate any

impact to borrowers.

Review all loan documentation to ensure the loan meets agency guidelines

Complete income worksheet using the income wizard for salaried wages, commissions, self

employed borrowers

Review appraisal to ensure the opinion of value is supported in the appraisal report and that the

appraisal meets investor guidelines.

Communicate loan decision to broker client within service level agreement

Review mortgage loans of complex nature including conventional, key loan and non-conforming

loan.

Assist in developing a training program for three different underwriting teams during the

transition from paper files to paperless.

Conduct training for other underwriters during the transition to paperless

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INDECOMM GLOBAL SERVICES, Scottsdale, AZ Jan 2012 – Aug 2012

Responsible for front line underwriting of mortgage loans and ensuring compliance with secondary

market investors.

Reviewed new loan files to ensure loan meets Fannie Mae and Freddie Mac standard guidelines

and program criteria.

Reviewed underwriting transmittal & 1003 for accuracy and completeness, compare to DU or LP

findings to verify that all information matches.

Calculated income using income worksheet required by the client, questioning any questionable

changes in income.

Reviewed a minimum number of files per day of 7, to include new submissions, re-submissions

& final conditions.

Reviewed assets statements to compare to required assets. Require documentation and source any

large or unusual deposits.

Reviewed appraisal to ensure the value is supported and that the appraiser has provided complete

and accurate appraisal.

Reviewed credit report and compare to liabilities on 1003. Verify investor guidelines for

derogatory credit are met. Request updated trade line history if deemed necessary.

Reviewed file to ensure that all compliance guidelines have been met; regulatory, state

compliance and federal (USA Patriot Act).

BANK OF AMERICA, Tampa, Fl 2005 - 2012

Mortgage Underwriter

Responsible for underwriting conventional loans in very fast paced and ever changing environment.

Examined and decisioned very complex residential loans for accuracy, completeness and

compliance with bank standards utilizing Edge, Clues, iPortal, ACAPS within the National First

Mortgage Fulfillment, LoanSolutions and Home Equity Channels

Provided one and one coaching to Loan Processors on credit policies, income and assets review

guidelines and system functionality.

Performed pre and post-closing audits for senior management to mitigate any buy-back risks and

to ensure compliance with established standards, investor guidelines, and state and federal

regulations for major lenders.

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Exceeded manufacturing quality and production goals for over 24 consecutive months.

Worked closely with senior management to help train associates in need of acquiring lending

authority.

Provided constant feedback to senior management to help improve our process, reduce our costs

to fulfill while increasing our revenue.

AMTRUST FUNDING 2004-2005

Senior Loan Consultant

Responsible for increasing sales at Amtrust funding by providing solutions to our customers to help them

save money and increase their cash flow.

Generated conventional, VA, FHA mortgages for new home construction, first time home buyer,

home purchases and refinances.

Assisted customers with the gathering of loan documents to speed up the processing and funding

of their loans.

Analyzed and reviewed loan packages from initial to final stage.

Developed and maintained close contact and open communication with customers throughout the

purchase and refinancing process.

JPMORGAN CHASE BANK, Tampa, Fl 2001-2004

Account Supervisor

Responsible for reducing customer attrition and increasing our company profits by educating customers

about the value of their service.

Maintained one of the highest retention rates in the department by consistently overcoming

objections and by offering total customer satisfaction on every phone call.

Increased our bank market share by helping customers transfer outstanding balances from other

creditors to Chase.

Reduced call volume by communicating effectively and clearly and by meeting customers’ needs

in a timely manner.

Recognized numerous times with bonus incentives for bringing more money to the bank and for

retaining the most customers in the department.

Increased revenue by consistently finding what customers’ needs are and offering options and

features accordingly to help meet their needs.

PROFESSIONAL CERTIFICATIONS AND AFFILIATIONS

• RMU – Registered Mortgage Underwriter

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• CRA – Certified Review Appraiser

Member of the Nationwide Mortgage Licensing System

EDUCATION

Bachelors of Science degree from the University of South Florida

AWARD

Breakthrough Compass Award Winner, August, 2011 from SunTrust Mortgage

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