Loan Processor Regulatory Compliance

Roland Risinger

*********@*******.***

214-***-**** cell

SUMMARY Dynamic mortgage industry professional with experience in underwriting, customer satisfaction, and regulatory compliance. Experienced in developing profitable relationships with customers. Utilize results-producing production while adhering to corporate objectives for profitability, cost control, and compliance. 20 years experience as a senior loan processor, and senior underwriter in the mortgage industry. Proficient in Conventional, FHA (DE), VA (SAR/CREDIT), USDA and Jumbo loan products.

SKILLS FHA (DE), VA (SAR/CREDIT), Conventional Conforming, Non-Conforming and USDA Loans

EXPERIENCE 2/2024 – 04/24 Freedom Mortgage

FHA/VA/Conventional/Jumbo/USDA

Sr. Underwriter. Responsible for underwriting all loan products offered in a wholesale environment. Developing relationships with brokers and AE’s for a sustained relationship that is profitable for the company.

July/11/2022 to 9/1/2022 Orion Lending

FHA/VA/Conventional/Jumbo/USDA

Sr. Underwriter. Responsible for underwriting all loan products offered in a wholesale environment. Developing relationships with brokers and AE’s for a sustained relationship that is profitable for the company.

8/16 to 5/24/2022 Freedom Mortgage

FHA/VA/Conventional/Jumbo/USDA

Sr. Underwriter. Responsible for underwriting all loan products offered in a wholesale environment. Developing relationships with brokers and AE’s for a sustained relationship that is profitable for the company.

7/15 to 8/16 Premier Nationwide Lending

FHA/VA/Conventional/Jumbo/USDA

Sr. Underwriter. Responsible for underwriting all loan products offered in a wholesale environment. Developing relationships with brokers and AE’s for a sustained relationship that is profitable for the company.

7/14 to 7/15 Pacific Union Financial

FHA/VA/Conventional/Jumbo/USDA

Sr. Underwriter. Responsible for underwriting all loan products offered in a wholesale environment. Developing relationships with brokers and AE’s for a sustained relationship that is profitable for the company.

7/12 to 7/14 Nationstar Mortgage Lewisville, TX

FHA/VA/Conventional/Jumbo/USDA

Sr. Underwriter. Responsible for underwriting all loan products offered in a wholesale and retail environment. Developing relationships with brokers and retail LO’s for a sustained relationship that is profitable for the company.

4/10 to 07/12 Bank of Texas Dallas TX

FHA/VA/Conventional/Jumbo

Retail underwriter. Underwriting authority to $1M. Only government UW for Texas. Led the Texas office to goals that were not met previously for production and quality.

12/07 – 03/10 Metlife Home Loans/First Horizon Irving, TX

DE Underwriter

Retail Underwriter for FHA/HECM . New division that produced HECM (reverse) mortgages as well as retail loans. Set and met goals for Texas division.

02/05 – 12/07 Bank of America Dallas, Texas

Sr. Mortgage Underwriter

Wholesale underwriter of all conventional loan products up to $1.5 million. Underwrote NACA and Low to Moderate Income products. Top producing underwriter while achieving quality goals.

5/03 – 9/04 - RMIC Cleveland, OH

Contract Underwriter

On site contract underwriter for various brokers doing business with RMIC. Underwriting conventional, conforming and non-conforming loans. Basic FNMA, FHLMC and Jumbo products. Jumbo authority to $1.5 M

2/03 - 12/03 CTX Mortgage Company LLC, Hudson, OH

Part-time Underwriter

Underwriting of all conventional and FHA loans in branch.

11/01 – 05/03 CTX Mortgage Company LLC, Hudson, OH

Operations Manager/Branch Underwriter

Implemented policies and procedures for processing and closing dept. Instrumental role in increasing capture from 10% to 70% in 9 months. Underwriting of all conventional and FHA loans. Managed processors and closers to achieve the branch goals and increase capture with builder. Underwrote FHA and conventional loans to meet branch objectives.

03/00-11/01 Mortgage Portfolio Services Dallas, TX

Broker Liaison

Pre-underwrite sub-prime loans from brokers.

Coordinate closings with closer and broker.

Sales assistant to broker reps.

11/98-03/00 Accuprime Dallas, TX

Underwriter

Underwriter of conventional and sub prime loans for broker division.

Contributed to sales increase from start up to $7 million a month.

Wrote and distributed all underwriting guidelines and procedure changes.

05/96-10/98 Nations Bank Mortgage Dallas,TX

Processor/Underwriter

Tele-mortgage division

Processed and underwrote 30 to 40 loans per month

Developed relationships with existing bank customers and employees for mortgage loans.

Roland Risinger Resume Cont’d

01/94-03/96 The Associates Irving, TX

Assistant Branch Manager

Assistant manager of operations for branch office in Mesquite, TX.

Oversee sales, collection and marketing for branch.

Developed relationships with local car dealerships and retail furniture stores for consumer lending. Underwote and closed cash out refinance home loans

REFERENCES

References available upon request.

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