ROBERT BROWN JR.

Moseley, Virginia ***** 804-***-**** adua7k@r.postjobfree.com

MORTGAGE UNDERWRITER

Experienced Mortgage Professional with multiple years of experience in Risk Analysis, Mortgage Underwriting and Management. Highly organized and detailed oriented. Highly skilled in the area of complex decision making, leadership, and coaching.

WORK HISTORY

Truist Mortgage 1/2022 – Current

Mortgage Underwriter

Underwrite Conventional Mortgage Loan Applications including all Portfolio and Agency Loan Products.

The Loan Applications include credit, asset, and complex income analysis while maintaining all productivity and quality control metrics.

Possess Underwriting Lending Authority up to 2 Million Dollars.

JP Morgan Chase 1/2021 – 1/2022

Mortgage Underwriter IV

Support a very high risk and complex segment of Mortgage Underwriting and Analysis. Many of these transactions required in depth individual corporate tax return analysis for self-employed applicants and/or executives with layered ownership interests in multiple companies and or entities.

SunTrust Mortgage 10/2014 – 12/2020

Exception Mortgage Underwriter/Mortgage Underwriter

Underwrite Mortgage Loans in the National Underwriting Exception Department.

Render credit decisions on exception requests to all Portfolio Loan Guidelines and also provide lending decisions on loans that exceed the lending authority of front line Underwriters with a Lending Authority of $2.5 Million Dollars.

Function as a resource for loan scenarios and guideline interpretation and specialize in complex and manual loan underwriting.

Possess Underwriting Lending Authority up to 2 Million Dollars.

Bank of America 9/2002 – 3/2014

Corporate Mortgage Loan Underwriter/AVP

Supported a very high risk and complex segment of Mortgage Underwriting and analysis, primarily in the $1mm + loan amounts. Many of these transactions required in depth individual corporate tax return analysis for self-employed applicants and/or executives with layered ownership interests in multiple companies and or entities.

Performed random audits and quality checks on existing mortgage loans to ensure unit quality metrics were met.

Made exceptions on Jumbo loans that did not meet investor requirements and possessed authority to withdraw and decline loans while meeting all compliance and regulatory requirements. Possessed Lending Authority up to 2 Million Dollars.

Consistently met all quality and productivity metrics at 100%.

Obtained the second highest credit authority that could possibly be obtained within the organization.

ADDITIONAL EXPERIENCE

Liability Risk Manager/AVP

Assisted with managing a new team established to oversee the review of existing Home Equity Lines of Credit Customer profiles to prevent future losses for the Bank. Managed a team of Twenty Risk Control Specialists.

Home Equity Underwriting and Fulfillment Manager

Managed a Group of Home Equity Loan Underwriter who analyzed risk on new Home Equity loan Applications. Oversaw a team of Home Service Specialist/Processors & Closers during this time period.

Mortgage Underwriter/Senior Mortgage Loan Underwriter

Underwrote residential mortgage loans while ensuring compliance with appropriate company and secondary market investor standards.

EDUCATION

Virginia Union University, Bachelors of Science Degree in Business Administration

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