Robert J Ringwood

** ********** ******

Clark, NJ 07066

732-***-****-cell

Experience:

Kearny Bank, Fairfield NJ ( 9-19 thru 12-22 )

Underwriter: Responsible for approval or decline of first mortgages or Home Equity loans.

Direct loans for specific lender guidelines. Also responsible for clearing loan from

Warehouse line and pursuing post close stipulations. Responsible for monitoring loan

Locks and making sure loans close in a timely fashion. Also responsible for keeping the

Processors and Sr. Management updated as to any guideline changes on a daily basis.

Credit Authority to $ 729, 000.00

Valley Bank, Wayne, NJ ( 11-17 thru 9-19 )

Underwriter: Responsible for approval or decline of first mortgages directed to sale

directly to Government Agencies ( Fannie Mae or Freddie Mac ). Responsible for 24

hour turnaround times for all file. Also responsible for approval or decline of Home Equity

loans. Also responsible for processors turn times and loans closing in a timely fashion.

1st Constitution Bank, Cranbury NJ ( 11-9 thru 11-17 )

Underwriter: Responsible for approval or decline of first mortgages or Home Equity loans.

Directing loans for specific lender guidelines. Also responsible for clearing loan from

Warehouse line and pursuing post close stipulations. Responsible for monitoring loan

locks and making sure loans close in a timely fashion. Also responsible for keeping the

Processors and Sr. Management updated as to any guideline changes on a daily basis.

Credit Authority to $ 729, 000.00

Worldwide Financial Resources, Morganville, NJ ( 5/09 thru 9-09 )

Underwriter: Responsible for approval or decline of First Mortgage for sale to specific

Investor. Responsible for 24-48 hour turnaround time for all files. Responsible for

coordination with Loan Officers and Processors for obtaining post close conditions and

clearing loan from Warehouse line.

Credit Authority $ 725, 000.00

MGIC, Contract Underwriter for Chase, Woodbridge, NJ ( 5-07 thru 5-9 )

Underwriter: Responsible for approval or decline of First and Second Mortgages.

Responsible for strict compliance to 24-48 hour turnaround on all files. Communication

with branch in regards to status of application or restructuring of file. Apply Chase lending

philosophy to all files. Report workload weekly to Sr. Management within MGIC.

Credit Authority to $ 650,000.00.

Geneva Mortgage, Operations Manager/Sr. Underwriter (10/01 thru 4-2007 )

Ditech Mortgage, Underwriter ( 02/01 thru 9/01 )

Parkway Mortgage Underwriter ( 8-00 thru 2-01 )

The Money Store, Underwriter ( 11-97 thru 8-00 )