Morgage Banking, Tax Return Analysis, Customer Service

Todd Pearce

Rochester, NY ***** 585-***-****

acv1n1@r.postjobfree.com

Senior Mortgage Underwriter

A Recognized Expert in Special Risk Files, Experienced in All Aspects of Underwriting Dedicated, detail oriented professional with over 17 years of experience creating and customizing thousands of loans ranging from $10,000 to $500,000. Strong analytical, communication and problem solving skills. Results oriented leader of team of 50 to achieve continued success. Proven ability to maintain 99% income/QA scores and lead in monthly volume output. Successfully mentored 15 new hire underwriters to obtain lending authority.

CORE COMPETENCIES

Client Relationships Risk Determination Lending & Underwriting Guidelines Income/Credit Analysis Debt-to-Income Ratios Loan-to-Value Ratios Cash Flow Analysis Loan Closing ARMs EXPERIENCES AND ACHIEVEMENTS

CHASE MANHATTAN BANK, Rochester, NY 1998 – 2015

Mortgage Banking Underwriter III 2008 – 2015

As a Mortgage Underwriter III, daily duties consist of rendering credit decisions on incoming applicants consistent with internal and external policies, underwriting mortgage commitments, and verifying supporting documents as submitted by the Mortgage Loan Officer.

Assess and analyze borrower documentation to determine income and repayment ability, borrower credit and repayment history with established accounts; appraisal, title and flood.

Contributed special US Department of Treasury project to build and execute essential processes ensuring accurate reporting decisions.

Underwrite Special Risk Files consisting of high dollar balances up to 1 million dollars, real estate investors, clergy and military borrowers.

Home Equity Senior Underwriter 2002 – 2008

As a Home Equity Senior Underwriter, daily duties consist of reviewing credit decisions made by Junior Underwriter consistent with internal and external policies, approving files which met those policies, returning to Junior Underwriter for rework if not meeting those policies and giving each file a Quality Assurance score.

Held highest underwriting authority level.

Provided timely and accurate decisions, updates and corrections in all related systems.

One of four underwriters authorized to review private banking files. Home Equity Underwriter 2000 – 2002

As a Home Equity Underwriter daily duties consist of rendering credit decisions on incoming applicants consistent with internal and external policies, verifying supporting documents as submitted by the Retail Banking Center and informing all declined borrowers of credit denial.

Analyzed credit and property risk in numerous residential home equity loan transactions.

Approved and rejected hundreds of applications depending on risk determination.

Managed daily pipeline to ensure decisions were made in a timely manner.

Member of team authorized to underwrite Texas 50a6 loans. Home Equity Customer Service Advisor 1998 - 2000 As a Home Equity Customer Service Advisor daily duties consist being direct contact with borrower and/or Retail Banking employee to gather all required documents for underwriting, ordering all title, appraisal and flood documents and coordinating all closings.

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