Real Estate Sql Server

Roman Burkes

*** ****** **** ****** ( Lawrenceville, GA 30044 ( 770. 363.3817 (

******@*****.***

Mortgage Underwriter

OBJECTIVE: To obtain a secure, challenging position which utilizes my

Underwriting and Due Diligence/Auditing experiences in the Mortgage

Industry field.

( Auditing/Due Diligence ( Risk Assessment

( Multitasker ( Analytical

( Written/Oral Communication ( Problem Solver

( Fraud Exposure ( Team Oriented

RR Donnelley (Oct 2010-Present)

Atlanta, GA

Due Diligence Mortgage Underwriter

. Perform post-close forensic analysis of residential loan files for

completeness and accuracy, analyzing credit documents, mortgage

applications, credit history and income documents, title documents,

appraisals and all other applicable required documents to make a

determination of compliance with the lender guidelines.

. Identify significant findings resulting from issues with originator's

underlying business practices and guidelines, underwriting and/or fraud

exposure.

. Prepare detailed write up of the audit findings for each loan transaction

reviewed.

. Provide a detailed review of verification of employment documentation and

re-calculation of income verification, review and recalculation of asset

documentation, review of title commitments and policies, review and

analysis of real estate purchase contracts.

E*TRADE Financial (Nov 2007-Sept 2010)

Alpharetta, GA

Business Analyst

. Develop a statistical KPI reporting strategy to steer financial analysis

and reporting of company-wide weekly, monthly and quarterly fraud trends

to support business planning initiatives.

. Prepare analytical and ad-hoc reports using Pivot tables to compile

large data sets, equipping management with information critical to

identifying, analyzing and addressing performance gaps.

. Evaluate as-is business processes; perform root cause analysis of

fraudulent trading; deliver constructive analysis, identify flaws and

prepare recommendations to close identified control gaps and reduce

expenses.

. Developed a reporting tool to include charts and metrics to provide

"operational insight" into Day and Time trends of trades, detailing

financial and non-financial implications of non-compliant transactions.

Bayrock Mortgage (Oct 2006-Nov 2007)

Alpharetta, GA

Business Analyst/Mortgage Underwriter

. Managed loan pipeline to promote risk mitigation and fraud awareness,

leveraging loan systems and appraisal review software to support

decisions regarding approvals, denials, conditions or counter offers.

. Evaluated, measured, and monitored compliance with internal controls.

Prepared summary review deck to include chart presentations to assess the

effectiveness in which corporate goals were achieved.

. Reviewed each file for documentation and completeness of qualifying

elements for selected programs, compiled month end fraud report

addressing areas of non compliance.

. Executed formal review of appraisals, loan-to-value ratios and credit

reports to determine if buyer, property and loan conditions met secondary

market, investor and company guidelines.

Roman Burkes Page 2

Option One Mortgage (Jun 2004-Oct

2006) Atlanta, GA

Mortgage Underwriter

. Conducted in-depth underwriting and risk acceptability reviews, performed

credit analysis; reviewed financial statements, credit bureau information

and appraisals to determine borrowers' credit worthiness.

. Maximized Secondary Marketing income through loan pricing strategies.

Calculated and prepared reports for evaluation, responded to customer

inquiries and credit decisions in accordance with established criteria.

. Synthesized data and performed complete due diligence to ascertain loan

viability, mitigating fraud and / or potential for high-dollar losses.

. Recorded loan rejections, documented basis for declining applications and

maintained documentation to support any objections and explain rationale

behind credit decision.

B.B.A in Finance: State University of West Georgia, Carrollton, GA, 2003

NASD Series 7: General Securities Rep Series

NASD Series 63: State Uniform Securities Agent

MS Windows 7, MS Office 2007, MS SQL Server 2008

CLUES & File Management Services (Countrywide), DU

(Desktop Underwriter), CLOUT

Available for Travel

PROFESSIONAL EXPERIENCE

EDUCATION

CERTIFICATIONS

Computer Skills

AUS SOFTWARE

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