Mortgage Underwriter Credit Union
Resume:
Keith Robinson
*******@*****.***
https://www.linkedin.com/in/keith-robinson-46561353
Located in Texas
Objective
To obtain a position in mortgage banking where experience in underwriting, training, processing and team leadership is required. Continue with a strong desire to invest my knowledge, energy and positive attitude toward the success and growth of a positive team and organization to utilize analytical, communication, and organizational skills.
Professional Background
Navy Federal Credit Union
August 2022-present
Sr Mortgage Underwriter
• Underwrote conventional and equity residential mortgage loans
• Analyzed applicants income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for the loan.
• Verified and analyzed all necessary financial information and documentation to ascertained that all loan files are complete and compliant
• Scrutinized appraisal reports to identify and resolve discrepancies
• Calculated qualifying ratios, determined creditworthiness; provided risk opinions Covius dba Clayton
January 2022-August 2022
• Completed credit, analysis of income, analysis of property, ensured proper audits were completed and verified consistency of loan file information.
• Completed a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards.
• Underwrote loans to verify completeness, accuracy, and compliance.
• Communicated with different companies to verify information and to ensure that all required documents were provided.
• Maintained a pipeline of loan file audit/review inventory, met production requirements and communicated status management.
• Maintained an up to date and sound knowledge of multiple loan product guidelines offered by the multiple companies along with multiple risk assessment tools used to decision mortgage loans.
Mphasis Digital Risk. August 2021-december 2021
Underwriter
• Proven ability to handle conforming and non-conforming, QM and non-QM mortgage loans
• Proven ability to make credit decisions on manual, refer and AUS underwrites
• Maintained composure and integrity on difficult/complex loans, to ensure that the compliance of the company and investor guidelines were met.
Mr. Cooper Mortgage LLC March 2010-August 2021- Originations Department
• Maintained composure and integrity on difficult/complex loans, to ensure that the compliance of the company and investor guidelines were met.
• Proven ability to handle high volumes and possess interpersonal savvy to communicate well with coworkers.
• Focus on selective criteria, compensating factors, good business judgment, credit worthiness, ability and willingness to repay.
• Expertise in calculation of income for wage earners, self-employed borrowers, fixed income, rental income etc.
• Proven trustworthiness from management and VPs to inform processors with new standards or program guidance
• Proven ability to effectively review conventional and streamline review loans • Reviewed 8-14 files per day with speed and accuracy
• Served as a consultant and maintained approachability to provide training to peers and other departments of the common practices of basic underwriting for the department.
• Possess the intellectual horsepower to use good business judgment when front end and or back debt ratio calculations exceeded eligibility parameters on the borrower’s ability and willingness to pay their debt.
• Functional skills to review tax statements such as – 1040, Schedule C, 1102s, 1120, schedule E, schedule C, 1099 etc. and effectively determined the income associated with the borrower.
• Possess ability to ethically to review credit reports and made good business judgment on the borrower’s willingness to pay debts through the inquiries.
• Analyze the integrity of each file to review for fraud flags.
• Proven ability to effectively review of borrowers’ BPO, 1004 or 2055 appraisals. Processor II/Closing Coordinator – . May 2012-May 2015 Maintained composure and integrity on difficult/complex loans, to ensure that the compliance of the company and investor guidelines were met. Proven ability to handle high volumes and possess interpersonal savvy to communicate well with investors. Reviewed 40-55 files per month with speed and accuracy
Served as a consultant and maintained approachability to provide training to peers and other departments of the common practices of basic processing for the department. Focus on selective criteria, compensating factors, good business judgment, credit worthiness, ability and willingness to repay. Expertise in calculation of income for wage earners, self-employed borrowers, fixed income, rental income etc.
Proven trustworthiness from management and VPs to inform processors with new standards or program guidance
Proven ability to effectively review conventional and streamline review loans Centralized Modification Department Senior Underwriter – Oct 2010-May 2012
• Maintained composure and integrity on difficult/complex loans, to ensure that the compliance of the company and investor guidelines were met.
• Proven ability to handle high volumes and possess interpersonal savvy to communicate well with investors.
• Reviewed 16-20 files per day with speed and accuracy
• Served as a consultant and maintained approachability to provide training to peers and other departments of the common practices of basic underwriting for the department.
• Focus on selective criteria, compensating factors, good business judgment, credit worthiness, ability and willingness to repay.
• Possess the intellectual horsepower to use good business judgment when front end and or back debt ratio calculations exceeded eligibility parameters on the borrower’s ability and willingness to pay their debt.
• Functional skills to review tax statements such as – 1040, Schedule C, 1102s, 1120, schedule E, schedule C, 1099 etc. and effectively determined the income associated with the borrower.
• Possess ability to ethically to review credit reports and made good business
• judgment on the borrower’s willingness to pay debts through the inquiries.
• Analyze the integrity of each file to review for fraud flags.
• Expertise in calculation of income for wage earners, self-employed borrowers, fixed income, rental income etc.
• Proven ability to effectively review of borrowers’ BPO, 1004 or 2055 appraisals.
• Exceptional business keenness to accurately evaluate property title reports and hazard property zones. Proven trustworthiness from management and VPs to inform underwriters with new standards or program guidance.
Processor – . June 2010 - October 2010
• Maintained composure and integrity when processing mortgage modification applications from preliminary application to a complete package upon submitting to the underwriter.
• Reviewed 30+ files per day with speed and accuracy.
• Established and maintained customer relationships throughout the application procedure and training junior processors new branches to the team.
• Proven trustworthiness from management and VPs to inform the unit with new
• processing standards or program guidance
Education
Sam Houston State University, Huntsville, TX 2007-2009 B.S. in Technology
Double Minor in General Business and Information Assurance Exemplary Accomplishments
Winner the Department Top Dawg Award- the most prestigious award a rep or manager can win in the Centralized Modification department. It states that you have gone above and beyond in your duties as a team-leader and as an employee.
Top Producer for my team- numerous times through my tenure, last stint as top Underwriter June 2011- November 2011
Nominated for Manager in Training Dec 2011
Made structural recommendations and reviewed documentation for accuracy and completeness. Conducted meetings, facilitated Power Point presentations, distributed training material and created process flows that are in use today in the Centralized Modification Department.
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