Mortgage Underwriter Underwriting

Robert W Boyd

*** ******* *** ** *****, CA ***** 858-***-****

Email: ***********@*****.***

PROFESSIONAL SUMMARY:

• Mortgage underwriter with 25+ years of experience specializing in commercial, construction permanent, and residential. Experience underwriting in conforming, jumbo, fix and flips, commercial- (Bridge, Fix and Flips, and Rental Loans), HELOCS, and home improvement loans. Detail-oriented with strong data analysis skills and a high mathematical aptitude. Expert in mortgage loan processing and relevant legal regulations.

• Previously before my Mortgage Underwriting career, I had warehouse experience with Graybar Electric warehouse. (Downtown San Diego) Filling orders and delivery of heavy construction wiring and components to job sites. (Forklift, Delivery Truck, Will Call, Inventory, Shipping/Receiving Duties) also with ENCAD Inkjet/Plotters. Worked in the warehouse preparing plotter/inkjet orders for Shipping/Receiving and Will Call.

• Experience using shipping/receiving equipment, forklift, pallet jacks, delivery trucks, and shrink-wrap machines, Forklifts used (Hyster, Pettibone lifts) PROFESSIONAL EXPERIENCE:

Finance of America, Charlotte NC December 2021 –September 2022 F&F FACO REMOTE UNDERWRITER

• Reviewed Fix and Flip Standard loan

• Bridge and Bridge Plus

• Underwriting authority for up to $3M

• Review Appraisal, Title and Liquidity, Builder Risk and Hazard, and Insurance, reviewed required liquidity for multiple concurrent closings. Cardinal Financial, Charlotte NC August 2020 – November 2021 REMOTE UNDERWRITER

• Conforming, Purchases, Rate and Term Refinance, HIBAL loan underwriting and Portfolio loan products, Construction to Perm, Mix Use Properties

• Underwrite DU/LP through proprietary software (Octane) loans using Freddie/Fannie seller guideline requirements,

• Review credit, W2 income, personal assets, appraisals, and Title Reports and overall loan review from opening to closing.

• Underwriting authority up to $1.5M

OneTrust Home Loans, San Diego, CA March 2017 – August 2020 REMOTE UNDERWRITER

• Conforming, Jumbo, Purchases, Rate and Term Refinance, HIBAL loan underwriting and Portfolio loan products and Puerto Rico Loans (Portfolio)

• Delegated Flagstar/Suntrust Wells Fargo, MGIC, Radian underwriting delegated

• Underwrite DU/LP loans using Freddie/Fannie seller guideline requirements

• Type of loans underwritten Purchase/Jumbo/Conventional loans utilizing DU/LP, Manual Jumbo Portfolio U/W.

• Underwriting authority up to $4.5M

• Review credit, self-employed/W2 income, personal assets, appraisals, Title Reports and overall loan review from opening to closing.

• Construction to Permanente authority up to $5M.

American Pacific Mortgage Roseville, CA October 2015 – February 2017 REMOTE UNDERWRITER

• Conforming, Jumbo, Purchases, Rate and Term Refinance, HIBAL loan underwriting and Portfolio loan products, Delegated MI Suntrust Wells Fargo, MGIC, Radian, and Chase underwriting delegated utilizing the 5 C’s

• Underwrite DU/LP loans using Freddie/Fannie seller guideline requirements

• Type of loans underwritten are Purchase/Jumbo/Conventional loans utilizing DU/LP, Manual Jumbo Portfolio U/W.

• Review credit, self-employed/W2 income, personal assets, appraisals, Title Reports and overall loan review from opening to closing.

• Signing authority of up to $2M

North Island Credit Union, San Diego, CA February 2014 - September 2015 CORPORATE SR UNDERWRITER

• Conforming, Purchases, Rate and Term Refinance, and HIBAL loan underwriting.

• Underwrite NICU Portfolio loans North Island CU guideline requirements

• Type of loans underwritten are Purchase/Jumbo/Conventional loans utilizing DU/LP, Manual Jumbo and 2nd HELOCS utilizing DGU U/W guidelines

• Review credit, self-employed/W2 income, personal assets, appraisals, and overall loan

• Review Alt-A type credit to see if the loan can be approved under an exception to place under NICU portfolio loan products. Signing authority up to $1M. Wachovia/Wells Fargo – Charlotte, NC June 2009 – February 2013 4C UNDERWRITER (Transferred back to San Diego CA)

• Jumbo, Conforming, Harp, Hamp, Purchases, Rate and Term Refinance, Construction to Perm/Builders, and HIBAL loan underwriting.

• Underwrite loans utilizing the "4 C's" cash, credit, capacity, and collateral. reviewed credit for fraud, revolving debt usage, borrowers’ ability to repay, and income based on payment history.

• Personal and business tax returns

• Analysed business/personal Bank Statements for large sum deposits, inconsistent de- posits, insufficient funds, and for required seasoned funds/assets/reserves to close.

• Appraisal review.

• Sighing authority up to $5M

Zenta- Charlotte,NC September 2007 – March 2008

CONTRACT UNDERWRITER

• Conforming, Non-conforming, Manual Jumbo, HIBAL, and Alt-A loans

• Review real estate loan applications on residential, multi-residential, Mixed-use and construction to perm loans and made necessary decisions based on risk factors involved.

• Underwrote submitted loan files (approved, counter, or declined). Proficient in analysing personal and business tax returns, legal documentation, appraisals, title reports, and credit reports to determine credit eligibility and sign off on all conditions.

• HELOC (Open-end and Closed-end)

• Underwrite loans with investor-specific overlays.

• Reviewed concurrent purchase money 2nd HELS/PELS according to investor requirements/overlays.

North American Savings - Overland Park, KS February 2005-September 2007 Contract Underwriter

• Perform credit and property analysis on conventional loan files submitted within the time frame established by departmental management

• Perform timely reviews of conditions submitted a well as loan resubmissions, maintain quality and production standards as defined by business

• Analyse challenging loan packages to render sound credit solutions, provide exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options, and adequately and effectively explaining in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers

• Actively cooperate and interact with in-house loan officers and borrowers, builders/ contractors

• Underwriting for Citibank/Wells Fargo/Chase overlays and with DU/LP automated system

Your Equity Solutions Capital Funding – Encinitas CA February 1998 -September 2005 Underwriter/Processor

• Perform credit and property analysis on conventional loan files submitted within the time frame established by departmental management

• Perform timely reviews of conditions submitted a well as loan resubmissions, maintain quality and production standards as defined by business

• Originated and processed Title One’s and Home Equity Lines of Credit (HELOCS) EDUCATION:

University of Goethe - Frankfurt, Germany – Business Management/Correspondent Courses

(While serving in the U.S. Armed Forces)

Miramar College - San Diego, CA

REFERENCES:

Jim Diemer - Underwriting Manager/Mission Federal CU - Cell: 619-***-**** Email: *********@**********.***

Marisa Calhoun- Corporate lead /IServe - Work: 858-***-**** -Email: ******.*******@******.***

Christopher Martinez – U/W Team Lead - American Pacific Mortgage 480-***-**** - Email: *************@***********************.***

LuzMaria Malone – Branch Manager – 858-***-**** – Email ****@*****-*********.***

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