Mortgage Underwriter
Resume:
DERWIN ROBERTSON
*****@*********.***
OBJECTIVE
I am seeking a position as a Mortgage Loan Underwriter. I have worked in the Mortgage Lending Industry for 15 years. I have excellent communication skills; strong attention to detail when reviewing financial statement, title commitment, analyzing employment history, debt ratios, credit strength, loan to value ratios, and property valuations. I’m also knowledgeable of FNMA / FHLMC guidelines along with FHA, VA, and USDA guidelines.
WORK HISTORY
Mortgage Underwriter 3: Urban Financial Solution (remote frontline underwriter)
March 2016 – Present
.Conventional Mortgage underwriter reviewing all loans from queue sent from processing for approval/counter-offer or denial. Determining eligibility of borrower’s base on credit findings, income documents, assets documents, and title commitments alone with collateral review. Making underwriting decisions based on company guidelines and FNMA and FHLMC guidelines. Reviews loan applications submitted by borrowers and makes credit decisions based on lender criteria. Underwriting agency and files and clears conditions also calculating debt ratios. Signing Authority limit up to $417,000
Mortgage Underwriter 3: JP Morgan Chase (frontline underwriter)
April 2015 – February 2016
.Conventional Mortgage underwriter reviewing all loans from queue sent from processing for approval/counter-offer or denial. Determining eligibility of borrower’s base on credit findings, income documents, assets documents, and title commitments alone with collateral review. Making underwriting decisions based on company guidelines and FNMA and FHLMC guidelines. Reviews loan applications submitted by borrowers and makes credit decisions based on lender criteria. Underwriting agency and non-agency files and clears conditions also calculating debt ratios. Signing Authority limit up to $750,000 on 1st liens and 150,000 on 2nd liens.
Auditor – Mortgage Compliance Advisors
April 2014 – April 2015
. Analyzing and reviewing loans that are closed and funded. Making sure all documents are dated within compliance and meeting with all agency guidelines. Also reviewing file for credit worthiness, the ability to repay, and along with evaluating collateral. Once files is reviewed and evaluated and all documents are in compliance this allows the file to be purchase and then prepared for agency review and then purchase on secondary market. Files that are being analyzing and reviewed are Conventional Loans, FHA Loans, VA Loans, and USDA Loans.
QC Mortgage Underwriter 3: BB&T Bank Correspondent Lending Dept. (thru Adecco)
May 2013 - April 2014
. Analyzing and reviewing loans that are closed and funded by correspondent lenders. Making sure all documents are dated within compliance and meeting with all agency guidelines. Also reviewing file for credit worthiness, the ability to repay, and along with evaluating collateral. Once files is reviewed and evaluated and all documents are in compliance this allows the file to be purchase and then prepared for agency review and then purchase on secondary market. Files that are being analyzing and reviewed are Conventional Loans, FHA Loans, VA Loans, and USDA Loans.
Mortgage Underwriter, Sutherland Global Mortgage Service (frontline underwriter)
May 2012 – May 2013
.Conventional Mortgage underwriter reviewing all loans from queue sent from processing for approval/counter-offer or denial. Determining eligibility of borrower’s base on credit findings, income documents, assets documents, and title commitments alone with collateral review. Making underwriting decisions based on company guidelines and FNMA and FHLMC guidelines. Reviews loan applications submitted by borrowers and makes credit decisions based on lender criteria. Underwriting agency and non-agency files and clears conditions also calculating debt ratios. Signing Authority limit up to $417,000
Personal Banker / Loan Officer, Woodforest National Bank
August 2010 - May 2012
Selling retail banking products and services to customers and prospects alone with managing customer portfolios,
Servicing relationships and cross-selling all products and services
Mortgage Loan Underwriter, Fieldstone Mortgage Company (frontline underwriter)
December 2005 – July 2008
Analyzing mortgage application for final approval, making sure borrower meets program specifications by evaluating Credit Reports, Financial Documents, Titles, Appraisals, and Sales Contracts. Alone with auditing files to be sold on the secondary market
Regional Sales Manager: The Mortgage Store Financial Inc.
February 2004 – December 2005
Wholesale Regional Manager covering two states for Sub prime-Alt A Lender. Over seeing production for 25 Sales Account Executives with monthly goal of 50 million. Also underwriting files for final approval.
Mortgage Loan Underwriter, Specialty Mortgage Corporation (frontline underwriter)
May 2001 – February 2004
Analyzing mortgage application for final approval, making sure borrower meets program specifications by evaluating Credit Reports, Financial Documents, Titles, Appraisals, and Sales Contracts. Alone with auditing files to be sold on the secondary market
Account Executive, Specialty Mortgage Corporation
October 1999 – May 2001
Wholesale Representative for Prime and Sub prime Lender. Originating and Closing over 5million in volume working with a variety of Residential Mortgage Brokers.
Area Sales Manager, Assurance Mortgage Corp, of America
May 1997 – October 1999
Account Executive, Long Beach Mortgage
November 1996 - May 1997
Account Executive, Household Finance Retail Division
April 1995 - September 1996
EDUCATION
University of Louisiana at Lafayette
Major: Finance
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