United States Mortgage Underwriter
Resume:
James Robertson
Remote DE Mortgage Underwriter
Fernandina Beach, Florida, United States
******@*****.***
WORK EXPERIENCE
Remote DE Mortgage Underwriter
Bayshore Mortgage Funding. LLC
United States
• Evaluate credit risk through verification of loan application information against loan guideline criteria and standards.
• Clarify risk by requesting additional information in clear, concise and actionable conditions.
• Update POS software for evaluation and findings for teammates to complete document requests.
• Evaluate collateral of all residential property types for adherence to guidelines, compliance/regulatory andlender risk.
• Analyze and calculate income using borrower appropriate documentation for wage or self-employed borrower's using sound accounting principles and reasonableness tests. 2020-2021
Remote Mortgage Underwriter
Freedom Mortgage Corp
United States
Underwrite and decision for residential agency mortgage loans. Verify and analyze all necessary financial information and documentation; ensure loan files contain all necessary credit and legal documentation
• Calculate qualifying ratios, ascertain creditworthiness; provide risk alternatives
• Perform rigorous analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations to qualify borrower for loan approval
• File quality consistently above average while meeting SLA's 2015-2019
Remote Mortgage Underwriter
FBC Mortgage, LLC
United States
Working remotely maintained an on-time and expected quantity and quality pipeline. Achieved bonus every month for exceeding published requirements.
• Corporate Underwriter Trainer
Trained all new experienced underwriters on FBC underwriting policies, guidelines, credit standards and Encompass POS system. Additionally, as FBC hired recent college graduates to be Underwriter Trainees, designed and implemented a six-month basic underwriting course.
James W. Robertson - Mortgage Underwriter
• Collateral Underwriter
Working remotely reviewed and approved appraisals for junior underwriters using manual review standards and FNC Generally Accepted Appraisal Rules (GAAR).
2012-2014
Underwriter and Trainer
HomeBridge Financial
United States
Trained new hires via webinars, classrooms and one-on-one sessions utilizing adult education techniques. Designed PowerPoint presentations, job aides
• Corporate Trainer
Facilitated expansion of the Florida/SE market and trained all new associates in position specific policies and procedures including underwriters, loan officers, and processors. 2009-2012
Forensic Loan Analyst/Underwriter III, Senior Trainer
Digital Risk, LLC
United States
• Forensic Underwriter reviewed closed loans for adherence to client guidelines for state and federal laws, credit worthiness and servicing history. Consistently exceeded goals and expectations while maintaining 95% quality of reviewed files.
• Senior Trainer designed and implemented training programs. Consulted with department management and key line personnel, customized training to meet existing and prospective client protocol.
•Provided underwriter/credit analyst position specific training on procedures, guidelines and policies utilizing custom software.
EDUCATION
-Current
Master of Business Administration
University of Sarasota
United States
University of Sarasota • Florida
Master of Business Administration
• Business Administration
-Current
Bachelor of Arts
University of South Florida
United States
University of South Florida
Bachelor of Arts
Honorably Discharged U.S. Army Veteran
SKILLS
Loans Mortgage Mortgage Loans Underwriting Appraisal Credit Risk POS System Documentation Corporate Trainer Legal Documentation MS Office Compliance/Regulatory NEW Hires Adult Education Training Programs Forensic Zoom Excel Microsoft Office Microsoft Powerpoint CERTIFICATIONS
FHA
DE
LANGUAGES
English - Intermediate
WORK AUTHORIZATION
I am authorized to work in the following countries:
• United States
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