Robert T. Davis **** North ** st

Street Philadelphia, Pa. 19138

CELL: 484-***-**** HM: 215-***-**** Email: acfhsr@r.postjobfree.com

Summary: Organized mortgage professional who effectively identifies and resolves complex financial issues and

thrives in fast paced ever changing business environments.

Experience:

Capital One Mortgage Wilmington, DE

SR. CREDIT RISK ANALYST III (Contract) 05/2013 to 01/2014

I performed a complete re underwriting analysis of Conventional, Home Equity and/or FHA/VA loans to evaluate risk to ensure a

prudent decision is made. Performed credit analysis on the borrowers’ willingness and ability to repay the mortgage debt by

reviewing the credit package to determine the mortgage amount and the term based on income analysis, calculating and sourcing

assets, analyzing credit history and assessing liabilities that impact debt ratios. I performed a detailed review of the title to

determine the correct lien position and insurability of the title. I reviewed the appraisal for one to four family residential

properties to determine acceptability of security for portfolio loans and loans sold to investors. I identified significant findings

resulting from issues with, underwriting and/or fraud exposure. I took an active role in identifying potential challenges within the

origination process and/or department and made recommendations for changes to improve ineffective, inconsistent or ambiguous

policies, guidelines and procedures. Upon completion I made recommendations to improve training and deficiencies within the

file.

SunTrust Mortgage Chesterbrook, PA

SENIOR CREDIT ANALYST III 09/2011 to 05/2013

I was responsible for the final audit review and recommendation for corrective action (as necessary) of the underwriting decisions

for prefunding residential mortgage loans for the Broker, Correspondent, and Retail Business lines. I performed a manual re

underwrite of all financial documentation, title, and appraisal, as well as all other documentation in the file to verifying that they

meet the requirements of the Fannie Mae, Freddie Mac, conventional, agency, and investor, guidelines used to approve the loan

while adhering to SunTrust policy and federal regulations. I reported my final results to management for analysis, trending errors,

and possible corrective actions to prevent potential loan buy back.

Ally Financial /GMAC Fort Washington, PA

POST CLOSING QUALITY ASSURANCE ANALYST (Contract) 12/2010 to 07/2011

I performed secondary underwriting audit review and made final approval recommendations for new and existing Fannie Mae,

Freddie Mac, VA, and FHA mortgage files. I reviewed the Title, Appraisal, Income, Assets, and Credit for prudent underwriting

decisions, reasonable risk and adherence to company guidelines. I requested proof of valid supporting documentation and legal

binding contracts. Articulated material risks identified and documented in credit files. I communicated results of third party

verification tools to underwriting managers, and recommend sound solutions for appropriate approval where necessary. Properly

maintained QA audit files and database to document the work performed and support the conclusions as reported. Proactively

assist management in suggesting alternative methods to improve efficiency and effectiveness of due diligence and credit

underwriting standards.

PNC BANK Philadelphia, PA

QUALITY ASSURANCE BUSINESS ANALYST 01/2010 to 12/2010

I evaluated conventional and commercial mortgage loan applications to determine acceptability based on the selected loan

program. I reviewed financial documentation, title, and appraisal to determine lien position and soundness of collateral, requested

additional documentation to support finding s if needed. Approved Counter offered or rejected loan based on findings or if

supplied documents did not support loan program.

PHH Mortgage Mount Laurel, NJ

UNDERWRITING /QC (Contract) 05/2009 to 09/2009

I audited mortgage loan documents for accuracy and compliance. Reviewed LP or DU findings and contacted the original

underwriter to discuss any issues found. Audited appraisals to ensure they met Fannie Mae guidelines and standards. I graded the

original underwriter on accuracy, detail, and procedure for their review of the appraisal.

Taylor Bean and Whitaker Horsham, PA

UNDERWRITER 02/2006 to 07/2008

Reviewed and examined Fannie Mae and Freddie Mac purchase and refinance mortgage loan documents to ensure compliance.

I identified risk issues and potential fraud by evaluating income, assets, credit, appraisal and title to help determine and document

loan conditions. I communicated, recommended, and negotiating alternative loan requirements based on Loan Prospector, DU

Findings, as well as Manual Underwriting determinations. I researched and interpreted complex data to determine meaning and

course-of-action. Maintained a pipeline of over 200 loans monthly issued approval, counteroffer, and denial on all loans in

pipeline had signing authority of 2 million dollars.

Bear Sterns Residential Mortgage King of Prussia, PA

SENIOR UNDERWRITER / CREDIT POLICY ANALYST 01/2005 to 02/2006

I performed analysis of income, credit, assets and collateral documentation for conforming loans with a signing authority of 2

million dollars. Determined required documents needed to approve loan file, reviewed documents to determine if loan can

submitted for closing. Counter offered or rejected loans based on documents submitted. I helped design and troubleshoot

company developed automated underwriting and product finder engine to determine acceptable ways to approve mortgage loans

also performed manual underwriting on files that did not meet required guidelines. I was responsible for supervising and training

new underwriters on company software programs and products offered. Maintained detail oriented communication with account

executives, brokers, and internal customers.

World Savings Bensalem, PA

MORTGAGE UNDERWRITER 02/2003 to 12/2004

Performed underwriting credit analysis for newly originated loans, maintained direct contact with clients, brokers and borrowers

answered questions about World's loan programs and helping customers choose the best program and or restructure the loan to

better fit their situation. Managed a pipeline of over 100 files and issued final approval or denial with signing authority of 1

million dollars.

Education-

Strayer University

Bachelors of Science - In progress - studying Information Systems Science

Germantown High School - Diploma

U.S. Army Reserve –Honorable Discharge

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