Mortgage Underwriter Bankruptcy Specialist

Robert Stalvey

817-***-**** aduemk@r.postjobfree.com www.linkedin.com/in/bobstalvey

Underwriter / Bankruptcy Management / Client Contact

Highly analytical and focused professional Underwriter with expert proficiency mitigating risk, underwriting, eliminating debt, planning complex budgets, and executing strategic transactions. Comprehensive understanding of risk management, management reporting, and financial modeling. Client interaction and customer escalations expertise that allows for crystal clear communication and better client experience. Excellent ability to resolve client / customer escalation issues.

Strategic Business Planning

Negotiations: Rate and Term

Asset Optimization & Valuation

Trend/Variance/Financial Analysis

Core Underwriting Skills

Cross Departmental Communications

Claims Coordination

Risk Management / Bankruptcy

Regulatory Compliance

NMLS (Nationwide Mortgage Licensing System)

Professional Experience

HCL Lending Solutions 12/2020 – 11/2022

Senior Mortgage Underwriter – Level 3

Responsible for review of new incoming files for completeness, compliance with company standards and guidelines.

●Obtained and maintained Underwriter Authority Level 3 l

●Maintained pipeline SLA standards

●Communicated with Sales staff regarding deficiencies on loan files and necessary documentation to approve the file and send to Clear to Close

●Maintained compliance status for all regulatory testing and certifications.

●Performed secondary reviews in an attempt to assist in raising quality consistency throughout the team.

●Worked closely with the loan officers, processors, closers to ensure timely file completion and coach team members as necessary for understanding of the conditions.

●Obtained Nationwide Mortgage Licensing, as well as Connecticut and Massachusetts.

National Bankruptcy Services 03/2015 – 12/2020

Bankruptcy Specialist

Supervisor of the Payment Change Notice and Post-Petition Fee Notice teams for multiple clients. Maintaining high quality as well as client standards and proprietary guidelines.

●Daily status reports for multiple clients and served as point of contact for client escalations and requests for attorney review; notifying clients as to any legal obstacles as necessary.

●Review escalated issues with Payment Change Notices as well as Post-Petition Fee notices with an excellent record of quality performance.

●Lead team to maintain an excellent quality average and timely filing to achieve court barring recovery fee for late filing exceptions.

●As a Senior Bankruptcy Specialist I was utilized to mentor, train and guide new hires. This included training on processes, procedures and requirements, as well as required timelines for each of the processes.

Retreat Capital Management 03/2013 – 03/2015

Manager Bankruptcy Proof of Claim

●Managed 10 Agents preparing Proof of Claims to be filed with the bankruptcy court

●Quality Control – Conducted audits on files to certify agents to submit Proof of Claim files directly to the quality assurance teams.

●Point of Contact for client escalations, to discuss potential issues and to provide guidance for escalation resolution.

●Payroll review and approval – confirmation of time worked up to and including overtime; validation that time submitted is accurate – approvals completed on time so as to ensure agents were paid accurately and timely.

●System Access – Point of contact for system access for all agents being on-boarded

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