ROBERT A. MONACO

**** ******* ****

Brunswick, Ohio 44212

330-***-****

SUMMARY:

• Mortgage Underwriting Manager, Mortgage Underwriting Quality Control/Auditor, and Senior Mortgage Underwriter with over 20+ years mortgage experience, including credit risk and collateral assessment.

• Common sense approach to underwriting with an emphasis on Conventional, Agency and Non-Agency, Jumbo, QM and Non-QM, FHA Loans (with Investor and Lender specific requirements), and outstanding customer service.

• Dependable, honest, and detailed oriented committed to company values and success. EXPERIENCE:

• Mortgage Underwriting Manager, in charge of underwriting teams, managing daily workflow (including pipeline, turn times, and customer service-related matters), ensuring loan quality/ audit standards, and following/ implementing company’s policy and procedures.

• Strong leadership and organizational skills, with the knowledge of managing personnel related matters, including interviewing, recommendations for hire, performance evaluations, disciplinary action, and training / developing, and motivating staff.

• Mortgage Quality Control/ Auditor, responsible for reviewing underwriter loans to ensure it meets Agency/Non- Agency and Investor guidelines and perform audits on underwriter files ensure it meets underwriting standards.

• High level of knowledge of Conventional, Agency/Non-Agency, Jumbo, QM/non-QM loans, Investor, and Lender mortgage products, guidelines and procedures, as well as having FHA DE underwriting authority/CHUMs.

• Extensive knowledge of addressing/ resolving Client’s questions, issues and concerns, as well as answer underwriting scenarios.

• Excellent verbal/ written communication skills and exceptional customer service skills.

• Strong knowledge of automated underwriting systems (DU and LP AUS), Encompass, and computer literate

(Excel, Power Point, Word, and Database Applications).

• Ability to exercise confidential and discretionary judgment, makes sound credit decisions, and meets goals/ deadlines.

ACCOMPLISHMENTS:

• Mortgage Underwriting Manager, Mortgage Quality Control Auditor, Senior Mortgage Underwriter and Mortgage Banking Officer with over 20+ years of mortgage experience.

• In the top 1% for quality control and underwritten loans at Keller Mortgage, Freedom Mortgage, New York Community Bank, and Radian Guaranty.

• In the top 5% for quality underwritten loans at Chase, UG/ GE/ PMI, and Ohio Savings Bank.

• Improved sales, mortgage loan audit and customer service standards as a manager and auditor.

• Prevented many loans from being suspended and/or re-purchased by Investors.

• FHA DE/CHUMS.

• Exceed expectations, with a positive attitude in all situations. EMPLOYMENT:

Keller Mortgage - Quality Control Auditor and 2nd Level Review Senior Underwriter (Remote) Dublin, OH – September 2018 – March 2023

Freedom Mortgage - Underwriting Manager (Hybrid Remote) Cleveland, OH - October 2017 - April 2018

New York Community Bank - Underwriting Manager and Mortgage Banking Officer (Hybrid Remote) Cleveland, OH - March 2006 - September 2017

Radian Guaranty - Contract Underwriter

Philadelphia, PA - November 2002 - March 2006

Chase Manhattan Mortgage Corporation - Correspondent Underwriter Cleveland, OH - September 1999 - November 2002

United Guaranty, GE Capital, and PMI - Contract Underwriter Columbus, OH - January 1998 - September 1999

Ohio Savings Bank – Branch Manager and Mortgage Underwriter Cleveland, OH - January 1990 - December 1997

EDUCATION:

Cleveland State University - Bachelor’s Degree - Economics and Political Science - Cleveland, OH