BOBBY BILLINGS

Lakeland, United States ***** 615-***-**** ad2ldz@r.postjobfree.com

https://www.linkedin.com/in/bobby-billings-153b0a54/ PROFESSIONAL SUMMARY

Highly organized professional Senior Mortgage Underwriter and Senior Auditor, with over 30 years' experience in Mortgage Lending. Strong communicator with a vast knowledge of fair lending and regulatory laws. Enthusiastic individual with a passion of making a difference and the drive to excel. Detail-oriented individual with problem-solving and analytical skills. Deeply curious and driven to learn the details and drivers of business trends.

SKILLS

Senior Auditor

Strong communication and interpersonal skills

Microsoft Office Suites – Advanced

Strong organizational skill set

Senior Mortgage Underwriter

CRM and SalesForce.com - Advanced

Project Management

Event / Project Execution

WORK HISTORY

Senior Corporate Underwriter Retail - REHIRE, 02/2021 - 10/2022 Primary Residential Mortgage Inc. – Lakeland, TN

Assessed and advised on loan applications utilizing in-depth underwriting process understanding.

Provide quantitative, analytical and problem-solving skills with ability to underwriter loans up to $1.75 million.

Continued as top producing Underwriting professional that exceeded daily production goals, along with support to resolve day-to-day business issues.

Proven ability to learn quickly and adapt to new situations. Senior Wholesale Underwriter, 09/2020 - 02/2021

Renasant Bank – Franklin, TN

Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.

Provided quantitative, analytical and problem-solving skills to assist external clients.

Maintained thorough understanding of credit and financial risks of mortgage life cycle, to ensure positive internal / external customer experience.

Underwrite high value clients.

Senior Corporate Underwriter Retail, 05/2014 - 09/2020 Primary Residential Mortgage Inc. – Lakeland, TN

Work closely with Finance business partners to analyze loan file documentation to assist with complex issues and escalations to provide approval decisions.

Provided creative ways to restructure deals, while adhering to lending guidelines and preserving company profitability.

Applied knowledge of fair lending laws and regulation within Single-Family framework.

Top producing Jumbo Underwriting professional that exceeded daily production goals, along with support to resolve day-to-day business.

Maintained quality loans and ability to analyze loans up to $1.75 million.

Exercised leadership capabilities by successfully motivating and inspiring others. Senior Staff Underwriter, 08/2012 - 03/2014

Acopia Capital - Wholesale – Nashville, TN

Determined and documented loan conditions and communicated requirements and decisions.

Examined credit reports, financial statements and tax returns to determine repayment capability.

Made approval and denial recommendations by determining accurate risk levels.

Understand advanced, integrated business processes, to adept to frequent industry changes. Senior Staff Underwriter, October 2011 - August 2012 Regions Bank -Retail- Nashville, TN

Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.

Provided quantitative, analytical and problem-solving skills to assist external clients.

Maintained thorough understanding of credit and financial risks of mortgage life cycle, to ensure positive internal / external customer experience.

Underwrite high value clients.

Senior Mortgage Auditor, February 2005 – September 2006 Wells Fargo – Minneapolis, Minnesota Corporate SR management assignment.

Material and Moderate underwriter for handpicked reviews by Senior Management.

Team Lead