Professional Experience Quality Control

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ROBERT SMUTKO

*** ***** **** ***** ****: 908-***-****

Freehold, New Jersey 07728 E-Mail: *******@***.*** PROFESSIONAL PROFILE

Experienced and knowledgeable underwriting professional with strong leadership abilities, who excels at interacting with others to ensure organizational goals are attained. Qualifications include excellent communication, organizational, planning, analytical and problem solving skills with strength in branch management, mortgage servicing and accounting. PROFESSIONAL EXPERIENCE

HomeBridge Financial Services, Iselin, New Jersey (formerly REMN, Inc., Edison, New Jersey) Serves the lending needs of home buyers and home owners, real estate professionals and builders across the country. Underwriting Support Specialist 10/2014 to 09/2017

Electronically imported broker documentation to both the Encompass software system and the Blitz Docs system for ease of underwriter review.

Categorized documents in Blitz Docs for efficiency in document location.

Analyzed and updated financial documentation in Blitz Docs to correspond with borrowers’ data in Encompass.

Electronically disclose closing costs to borrower to meet TRID (TILA-RESPA Integrated Disclosure rules), while protecting company from losses and consumer from closing cost over charges.

Extract E-consents from consumers documenting borrowers’ consent to receive documents electronically. Successfully obtain electronically signed disclosures.

Loan Fulfillment Specialist 08/2012 to 10/2014

Worked closely with financial institutions related to clearing deficiencies on residential mortgage loans.

Served as liaison between investor and branch personnel to obtain required financial documentation.

Participated in investor and state audits to set up files for review. Quality Control Underwriter/Coordinator 09/2009 to 08/2012

Perform credit analysis on VA, FHA and conventional loans and conduct pre-closing audits, resulting in identification and resolution of investor and agency guideline discrepancies.

Hire, supervise, train and coordinate workflow for four quality control reviewers/underwriters. FHA Government Underwriter 05/2007 to 09/2009

Underwrite FHA loans for one to four family unit homes.

Evaluate borrower’s financial standing as well as credit risks.

Identify problems regarding closing issues and resolve mortgage conflicts.

Collaborate with brokers regarding difficult loans. Tribeca Lending Corp., Jersey City, New Jersey

An innovative mortgage lender that specializes in helping clients in unique financial situations. The nation’s leading foreclosure and bankruptcy refinance specialist.

Subprime Underwriter 10/2006 to 05/2007

Underwrote the Liberty Loan and its guidelines, Tribeca’s specialty product, for borrowers in foreclosure. Set mortgage commitment conditions and cleared for closing.

Evaluated client’s collateral with appraisal, credit and title review. Assigned credit rating of either C or D.

Determined asset sufficiency and complex debt disposal for clients based on payoff review and equity in collateral, prior to closing. ROBERT SMUTKO Page 2

PROFESSIONAL EXPERIENCE Continued...

GMAC Mortgage-Direct Lending, Cherry Hill, New Jersey One of the largest financial services companies in the world. Pre-Approval Underwriter/Senior Underwriter - Credit Policy Department 12/2005 to 09/2006

Underwrote mortgage loans throughout all 50 states, including ALT-A, FHA, VA and FNMA Flex.

Served as resource and mentor to Junior Underwriters, Sales Agents and Processors.

Performed spot audits and evaluated company policy on GMAC mortgage loans.

Performed manual and computerized underwriting, utilizing Eclipse System and Pilot Software Program, which is a DOS based system, incorporating the validation of appraisals, assets, income and credit reports. ADDITIONAL WORK HISTORY

J.P. Morgan Chase Mortgage Company, Woodbridge, NJ: Senior Underwriter 04/1998 to 10/2005

Underwriting Team Leader 08/1996 to 04/1998

Government Underwriter 05/1988 to 08/1996

Cenlar Home Funding, Princeton, NJ:

Underwriter 12/1985 to 05/1988

EDUCATION

Education

Fairleigh Dickinson University, Madison, NJ - M.B.A., Accounting

Rutgers University, New Brunswick, NJ - B.A., Psychology & Accounting Current Educational Enhancement

Brookdale, Lincroft, NJ – 12 Credits in Networking Classes – GPA 4.0

Jersey City University, Jersey City, NJ – 9 Credits in Professional Security Studies – GPA 3.6

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