Quality Assurance Financial Services

Robert J Ringwood

** ********** ******, *****, ** 07066

email: ad5nmv@r.postjobfree.com 732-***-****

Career Summary: Accomplished and quality-driven financial services professional with 25+ years’ experience in Mortgage Underwriting/Management/Quality Control/Audit/Loss Mitigation/Rebuttal/ Litigation and possessing strong interpersonal communication, problem solving, leadership, and analytical skills. Perform in a high volume and fast paced environment while surpassing business objectives, needs and goals. Specific emphasis on residential real estate valuation, compliance and lending.

Accomplishments: Delivered high quality mortgage loan packages which were eligible for resale to specific investors. Mortgage packages were delivered with high quality documentation as required and were reviewed by multiple compliance department officers. Efficiency ratios were exceeded on a consistent basis. Sales to investor ratio at 100% as 0 % buy back experienced. Percentage of delinquency on portfolio loans less than 1% as note by management.

Professional Experience

Kearny Bank 9/2019 -12/2022

Fairfield, NJ

Senior Mortgage Underwriter: Recommend high balance loans for approval thru Loan Committee to assist in building bank portfolio pipelines. Responsible for review of income, assets, credit and collateral of each file. Executed credit decisions of first mortgages and home equity loans consistent with government/agency guidelines. Advised processors of any additional documentation required upon review of documentation. Performed quality assurance duties from processing to closing, thru post-closing issues such as title issues. Monitored loan locks and ensured loans closed in a timely fashion. Advised loan processors and senior management of any guideline changes by agency or investor. Approved for Credit Authority up to $ 729 K.

Valley Bank 11/2017-9/2019

Wayne, NJ

Senior Mortgage Underwriter: Executed credit decisions of first mortgages and home equity loans consistent with government/agency guidelines. Advised processors of issues arising from review of provided documentation. Performed quality assurance duties which included supervising files from processing, to closing, thru post-close issues. Ensured loans closed in a timely fashion. Advised loan processors and senior management of any guideline changes. Approved for Credit Authority up to $700 K.

1st Constitution Bank 11/2009 -11/2017

Cranbury, NJ

Senior Mortgage Underwriter: Performed quality assurance duties which included clearing file to close and clearing post-closing issues such as tax searches. Reviewed loan files for completeness and directed processors to obtain additional documentation as needed. Executed credit decisions of first mortgages and home equity loans consistent with specific lender guidelines. Advised loan processors and senior management of any guideline changes. Approved for Credit Authority up to $650 K.

Additional Experience/Education

Attended various industry and company-sponsored training and professional continuing education programs and seminars. Proficient with Microsoft Office.

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