Vice President Client Service

Troy Roberts

Assistant Vice President

***********@*****.*** • 904-***-****

https://www.linkedin.com/in/troy-roberts-a30b1060 Jacksonville, FL

Results-driven banking and finance executive with extensive experience in financial services, specializing in mortgage processing, underwriting, and risk assessment. Demonstrated expertise in managing complex loan workflows, ensuring strict compliance, and delivering exceptional client service. Proven track record in strategic financial planning, portfolio management, and process optimization, leading to efficiency gains and revenue growth. Adept at analyzing financial data to inform sound lending decisions and mitigate risks effectively. Recognized for mentoring and leading high-performing teams, fostering productive work environment. Highly organized and proactive, thriving in dynamic, remote settings.

Areas of Expertise

●Loan Processing & Underwriting

●Risk Assessment & Mitigation

●Credit Analysis & Lending

●Financial Document Review

● Loan Structuring & Documentation

●Mortgage & Core Banking Systems

●Fraud Detection & Quality Control

●Loan Exception Monitoring & Resolution

● Portfolio & Risk Management

●Title & Closing Coordination

●Client Relationship Management

●Process Improvement & Optimization

●SBA & Commercial Banking

Professional Experience

Morgan Stanley, Remote

Assistant Vice President of Wealth Management

2021 — 2024

Led wealth management initiatives by supporting dynamic team and collaborating on strategic project development to enhance our systems. Oversaw client portfolio management, ensuring alignment with financial goals and market strategies. Developed financial plans tailored to individual client needs, utilizing knowledge in finance and insurance. Conducted financial reviews, assessing investment performance and making informed recommendations. Maintained compliance with regulatory requirements and ensure delivery of superior client service across all engagements.

●Led projects to enhance system capabilities, driving improved team performance and client satisfaction.

●Played instrumental role in strategic initiatives that optimized client portfolio management processes.

Gateway Mortgage Group Radius Group Amerisave Mortgage, Remote Travel

Mortgage Loan Processor

2020

Orchestrated end-to-end mortgage loan processing, verified applicant information, analyzed financial documents, and assessed creditworthiness for regulatory compliance. Processed SBA loans, commercial loans, and residential mortgages, ensuring adherence to regulatory requirements and risk management best practices. Reviewed and compiled complete loan documentation, worked closely with underwriters, loan officers, title companies, and appraisers to expedite approvals and closings. Conducted thorough risk assessments, resolved outstanding conditions, and communicated status updates to stakeholders. Balanced multiple loan files within strict deadlines while upholding data integrity and confidentiality. Mentored junior processors, fostering skill development and operational efficiency. Executed remote work strategies, maintaining high accuracy and productivity levels across dynamic environments.

●Achieved top performance rankings while processing high-volume loan portfolios in a remote setting.

●Spearheaded procedural refinements, reducing loan turnaround times and increasing approval rates.

●Led junior team mentorship initiatives, strengthening department expertise and succession planning.

Digital Risk (Bank of America Project), Maitland, FL

Junior Underwriter

2020

Engaged in underwriting processes for Bank of America project, focusing on assessing loan applications and evaluating borrower financial data to determine creditworthiness. Reviewed and analyzed income statements, credit reports, and asset documentation to verify borrower eligibility. Collaborated with loan processors for timely completion of underwriting tasks. Assisted in preparing reports for senior underwriters, highlighting discrepancies or potential risks. Maintained up-to-date knowledge of underwriting guidelines to ensure compliance with regulatory standards.

●Achieved top performance rankings while processing high-volume loan portfolios in a remote setting.

●Spearheaded procedural refinements, reducing loan turnaround times and increasing approval rates.

Suncoast Credit Union Equity Prime Mortgage (Legacy Division), Tampa, FL

Mortgage Loan Processor III Team Lead/Supervisor

2019

Managed intricate mortgage loan processing for a range of lending programs. Analyzed and verified applicant financial documentation, including credit histories and income statements, to ensure compliance with industry regulations. Coordinated closely with underwriters and ensured timely submission of loan packages for approval. Facilitated communication between borrowers and various service providers throughout loan process. Monitored loan status and identified potential challenges to maintain workflow efficiency.

●Improved loan turnaround times and approval rates by spearheading procedural refinements.

●Maintained top performance rankings while efficiently handling high-volume loan portfolios in a remote setting.

●Enhanced team efficiency by leading training sessions and providing support as needed.

ACC Mortgage, Rockville, MD

Junior Underwriter Processor Closing

2018

Managed underwriting, processing, and closing tasks within mortgage operations, ensuring compliance with financial guidelines and standards. Conducted thorough assessments of loan applications for low or no-credit borrowers, evaluating risk factors and financial viability. Guided loan files from initiation through completion, facilitating clear communication and coordination among stakeholders. Verified accuracy and completeness of loan documentation, maintaining high efficiency in document processing. Supported transition from loan processing to closing for timely fulfillment of necessary legal and financial requirements.

●Achieved consistent success in processing loans for clients with low or no credit, overseeing comprehensive file management from start to finish.

Freedom Mortgage Corporation PNC Bank, Columbia, MD

Senior Mortgage Loan Processor/ Analyst /Team lead

2017 — 2018

Reviewed VA and commercial mortgage loan applications, verifying financial documents, credit histories, and income reports to confirm eligibility and regulatory compliance. Compiled and submitted complete loan packages, collaborating with underwriters, borrowers, and external stakeholders to advance files efficiently. Conducted risk assessments, identified discrepancies, and resolved documentation issues to optimize loan approval accuracy. Guided applicants through submission process, clarifying requirements and addressing inquiries.

●Improved loan turnaround times and approval rates by spearheading procedural refinements, while maintaining top performance rankings in processing high-volume loan portfolios.

Digital Risk, Maitland, FL

Mortgage Loan Processor III Team Lead

2015 — 2017

Led team in processing mortgage loans, ensuring each file met regulatory guidelines and internal compliance standards. Facilitated high-volume loan pipeline management, coordinating between clients, underwriters, and third-party vendors to streamline processing. Maintained detailed records of loan applications, performing thorough checks on employment, income, and credit information for processing accuracy. Implemented efficient systems to optimize workflow and improve loan turnaround times.

Additional Experience

The Law Office of Chris Ochoa, P.A

Lender Correspondent Primary Processing Solutions

Bank Of America

Short Sales Negotiator Mortgage Home Servicing Specialist Jr. Underwriter

JP Morgan Chase Bank

Underwriter Mortgage Loan Specialist Postclosing/ Bankruptcy Specialist Commercial AML Loss Mitigation Specialist Sales Mortgage Loan Processor

Technical Skills

Loan & Mortgage Software: Encompass Mortgage Cadence MSP Fidelity Byte Empower Catalyst

Credit & Risk Assessment Tools: DataVerify Actimize Nexus Lexus MERS Credit Reports

Government & Regulatory Compliance: VA WebLGY USDA GUS LP (Loan Prospector) DU (Desktop Underwriter) DO (Desktop Originator) GUS (Guaranteed Underwriting System)

Management Tools: Microsoft Office Suite (Word, Excel, PowerPoint, Outlook, Access) Internet Explorer

Contact this candidate