ROBERT POLZIN

**** **** *** *, *********** MN ***06 612-***-****

advuiw@r.postjobfree.com

ObjecƟve: My objecƟve is to broaden my knowledge in the financial and mortgage industry where my underwriƟng credit, property, income and assets experƟse can be fully uƟlized EXPERIENCE

3/2021-3/2023

MORTGAGE UNDERWRITER, USBANK

Analyze and review credit, income, assets and collateral on complex files for the Wealth Management Group. Underwrite agency and porƞolio loans following product guidelines for the purpose of selling on the secondary market and sending to porƞolio servicing. Internal communicaƟons to sales through phone, email and messaging. Review of business and personal assets and income on business returns for 1065, 1120, 1120s, K1s, RSU/restricted stock income using excel spreadsheet calculaƟon tools. UnderwriƟng authority to $1.5 million. 8/2007 – 3/2021

MORTGAGE UNDERWRITER, WELLS FARGO Analyze and review credit, income, assets and collateral informaƟon for the purpose of purchasing loans and selling on the secondary market. From 5/2011 to 3/2021. Loan types included CDMP loans and USDA, Bond loans. Have working knowledge of hud handbooks for property review, well and sepƟc and new construcƟon guidelines as well as similar hud handbook guidelines for credit, income and assets. Previously with Wholesale Department from 2007-2011 with convenƟonal, FHA, HARP, High Balance, Home Path, with all property types including single family, mulƟfamily, condo, PUD, COOP properƟes. I was an integral part of the property review team and did 2nd level review for a short Ɵme for new underwriters who had to complete their test cases for approximately 6 months. Service and quality maintained through constant email and phone calls and producƟon maintained. UnderwriƟng authority to $729750

10/2006 - 7/2007

MORTGAGE UNDERWRITER, FIRST MAGNUS FINANCIAL CORPORATION Reviewed and analyzed credit, income, assets and collateral informaƟon for the purpose of selling to secondary market. Loan types included convenƟonal loans and underwrote single family, mulƟfamily, condos and PUDS with providing service to brokers by phone and email. Pipelines were approximately 6 loans per day and service and quality maintained on a daily basis. UnderwriƟng authority to

$650000

9/2004-9/2006

MORTGAGE UNDERWRITER, VOYAGER MORTGAGE CORP

Reviewed and analyzed credit, income, assets and collateral informaƟon for purchase and selling on the secondary market. Loan types included convenƟonal and FHA loans and underwrote single family, duplex, mulƟfamily, condos and puds. Typical pipeline 5-6 loans and maintained customer service with brokers through email and phone conversaƟon. UnderwriƟng authority to

$650000

5/1999-9/2004

MORTGAGE UNDERWRITER,

RBMG/NETBANK

Reviewed and analyzed credit, income, assets, and property documents for purchase and resale on the secondary market. Loan types included convenƟonal and FHA with property types of single family, duplex, mulƟfamily, manufactured, condo and pud. Typical workload was 6 loans per day with signing authority up to $650000

EDUCATION

6/1986-8/1990 BACHELOR OF SCIENCE, ST CLOUD STATE UNIVERSITY Received cum laude honors with 2.81 GPA. Majored in Finance and had emphasis in history with study abroad program in Alnwick England

SKILLS

• Strong communicaƟon and listening skills

• Working knowledge of MicrosoŌ processing programs including Word and Excel

• Good knowledge of DU and LP automated systems

• Good knowledge of of Allregs

• Good working and life aƫtude

• Detail oriented and organized

ACHIEVEMENTS

2009, 2010 and 2011 customer service award with one of my loans going to the service awards ceremony inf Florida in 2012, qualify works 4th quarter 2012, and quality cerƟficates during different quarters in 2011, 2012, and 2013. Hiked up mountains in Colorado, went tandem skydiving in San Diego and ran the Minneapolis Marathon in 1996. Volunteer every year at our Sci Fi convenƟon, love traveling and have even lived in a castle for 6 months while in college

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