Ronah Mutsvunguma

Forney, TX

adta59@r.postjobfree.com

+1-469-***-****

Authorized to work in the US for any employer

Work Experience

Commercial Underwriter Team lead

Maxwell Lender Solutions - Denver, CO

January 2021 to Present

Lead a team of underwriters in the review of loan files to determine deficiencies and/or issues whilst maintaining a pipeline. Ensure all underwriters are doing the following

• Concise and accurate conditioning of loan files, including audits of underwriter loans.

• Meet turn time objectives

• Analyze complex tax returns

• Communicate with processor and LO in a positive manner in order to assist in moving files to closing as quickly as possible

• Concise and accurate input of data

• Run AUS and vendor software and analyze the results

• Complete a thoughtful and thorough review of appraisals

• Clear conditions as submitted while meeting turn time objectives

• Maintain acceptable quality control metrics

• Non QM loans- DSCR, Credit, Assets and Cross Collateral.

• Commercial Appraisal review of multifamily, mixed use, condotels, hotels and retail spaces.

• Perform Due Diligence on post closed loans and remediation of findings.

• Input on product building and guidelines building.

• Input in customization of Operating systems for maximum productivity.

• Pioneered multi client functionality. I am the first employee to work for multiple clients simultaneously and efficiently proved the theory.

• Analyze business income using Tax returns(1120,1120S,1065), P&L, Bank Statements and business balance sheets.

Underwriter I

Source point Mortgage - Remote

September 2020 to January 2021

• Authorizing and underwriting loans.

• Reviewing and verifying loan applications and supporting documentation.

• Analyzing loan risk and requesting additional information as necessary.

• Preparing reports on assessment findings.

• Making loan eligibility decisions and approving or rejecting applications.

• Reviewing and specifying loan conditions as necessary.

• Ensuring compliance with regulatory standards.

• Ensuring compliance with company policies and guidelines.

• Documenting and effectively communicating reasons for the approval/rejection of loans.

• Returning applications with additional documentation to the loan officer for review. Underwriter I

Preferred Mortgages - Dallas, TX

August 2017 to April 2020

Comprehensive knowledge of conventional and Fannie Mae & Freddie Mac Guidelines.

• Review financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value).

• Responsible for ensuring that all loan documentation is complete, accurate, verified and complies with company policy.

• Work closely with Loan Officers, Managers and staff to promote open and effective communication and to ensure quality service delivery to customers.

• Manage the loan pipeline report to ensure loans are processed on time and meet guidelines.

• Assisting clients in choosing the mortgage type and mortgage terms appropriate to the financial information gathered.

• Develop and maintain workflows for all stages of document preparation, closing, file documentation, and collateral management.

• Monitor loan turnaround time.

• Design and implement operating procedures and benchmarks that promote efficient processing of loan requests.

• Organize and direct document preparation, loan file content, and loan approval reviews prior to loan closing; make corrections as necessary.

• Verify that all loans are processed in compliance with established federal and state regulations, company policies, and secondary market processing guidelines. Financial Services Representative III

SunTrust Bank now Truist - Rockville, MD

August 2005 to January 2010

Welcome customers warmly when they enter the bank; calling them by name (if known).

• Help customers over the phone; answering on the first ring if available.

• Serve customers in opening new accounts, updating current accounts, and closing accounts including, but not limited to, checking, savings, CDs, safe deposit boxes, IRAs and HSAs.

• Assist customers with routine account-related requests such as: Funds transfers and availability

Automatic funds transfers (AFTs)

Stop payments

Bank deposit products and service charges ATM & Debit Card usage and limits Checking and savings account transactions Bank interest rates ACH & Debit Card Disputes

Complete verification requests by third parties

VISA Gift Cards

Internet banking including bill pay and mobile banking Wire transfers

Check orders

• Cross-sell bank products and services based on customer needs, in accordance with the bank’s program standards.

• Research and resolve customer problems, acting as the customer liaison between other bank departments when necessary.

• Evaluate customer requests for service charge refunds and process necessary paperwork to refund customer service charges as necessary.

• Ensure and maintain excellence in front-line coverage to greet and assist walk-in customers and cover the phones. Primarily responsible for lobby presentation including general neatness, kid’s corner, and availability of refreshments and snacks.

• May input, maintain, and/or delete ATM and Debit Cards within system.

• Facilitate IRA creation, rollovers, transfers, distributions, and account closing.

• Assist customers in redeeming their savings bonds.

• Open, set timers, and close the safe deposit vault utilizing dual control.

• Contact customers to obtain necessary signatures and documentation on accounts due to an exception or missing information.

• Actively participate in training programs to maintain and acquire additional job knowledge and skills.

• Maintain the highest level of confidentiality with all information obtained.

• Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and co-workers.

Our people make the difference, and we put relationships first.

• Perform as a team member in allocating and coordinating the work flow.

• Contribute to the fulfillment of department and company objectives and goals.

• Comply with all department and company policies, procedures and regulations.

• Other duties as assigned.

Knowledge, Skills & Abilities

• Excellent customer service skills, attentiveness, information retention, tact, and diplomacy in dealing with both customers and employees.

• perceptive person who is capable of relating to individuals at all levels. As unique situations present themselves, I am sensitive to Bank needs, customer and employee goodwill, and the public image.

• Able to make sound decisions. This may include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Bank’s exposure to loss or fraud, and the ability to think through and rationalize decisions.

• Flexible and able to multi-task.

• Strong communication skills including excellent phone etiquette.

• Able to work in a fast-paced environment & under pressure as needed.

• I have Mathematical aptitude and problem solving skills.

• I am Detail oriented and have strong organizational skills, and high degree of accuracy.

• I am Competent with computers, telephones, 10-key calculator, and other office machinery.

• I am familiar with retail banking regulations and responsibilities relating to each.

• Familiar with a variety of account ownerships, both personal and business, to effectively assist customers’ needs in opening accounts and standard office equipment. Education

Bachelor's

Skills

• Knowledgeable Underwriter and over 5 years in the mortgage Industry. Proficient in automated underwriting systems such as Desktop Underwrite and Loan Prospector. Strong expertise and extensive knowledge of Freddie Mac & Fannie Mae's underwriting guidelines.

• Encompass

• Analyzing Tax Returns

• Running LP/DU

• Complete IRRRL Worksheet

• Analyzed information gathered from received documents through AUS (LP and DU)

• Ordered and reviewed credit reports/supplements, homeowner insurance, appraisals, title work, mortgage insurance (If applicable) and flood certs

• Calculated and reviewed income documentation (Paystubs, Tax Returns (Schedule, Wage earner, K-1's) and WVOE's

• Successfully underwrote multiple property and loan types (Condo, Site Condo, 2-4 family, multifamily)

• cash-out, no cash out)

• Effectively reviewed loans for completeness, accuracy and adherence to guidelines and provided decision within SLA

• Evaluated debt ratio, loan-to-value ratios, credit risk, property valuation and various other factors

• Determined loan conditions contingent on information received in the loan application and communicated requirements and/or decisions to interested parties

• (Conventional

• Fixed

• Computer Networking

• Fair Housing Regulations

• Credit Analysis

• Financial Analysis

• Banking

• Android

• Underwriting

Assessments

Customer Service — Proficient

December 2018

Measures a candidate's skill in evaluating approaches to customer service & satisfaction. Full results: Proficient

Attention to detail — Highly Proficient

December 2020

Identifying differences in materials, following instructions, and detecting details among distracting information

Full results: Highly Proficient

Indeed Assessments provides skills tests that are not indicative of a license or certification, or continued development in any professional field.

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