Banking, Underwriting, Finance, Management, Mortgages

DARYL ROCAP

**** ******* ***** * Clearwater, Florida 33761 * *******@***.*** * 727-***-****

SUMMARY OF QUALIFICATIONS

 23 years in various capacities of the lending industry

 Possesses an extensive knowledge of company polices, real estate principles, including mortgage loan processing, loan closing, credit policy, title and appraisal

 Knowledge of State, Federal and local lending regulations

 Leads, directs and manages staff of underwriters and reviews work of lower level analysts

 Focused leader with the ability to complete projects within time and budget restraints

 Consistently met underwriting and business development objectives

 FHA, VA and DE trained

 Availability to travel extensively

PROFESSIONAL EXPERIENCE

CitiMortgage, Dallas, TX May 1995-Present

Underwriting Manager

 Oversee large due diligent transactions with twenty to thirty underwriters.

 Sustain constant communication between account managers, account executives, sales managers and operation managers.

 Identify due diligence issues and mortgage portfolio risks.

 Oversee performance and conduct annual reviews of staff.

 Develops short and long term business strategies.

Underwriter

 Knowledge of complete loan file including appraisal, legal and income documentation.

 Calculating income through various sources, (i.e.) paystubs, tax returns, W2’s, rental income and social security.

 Evaluation of appraisals to determine proper market value in relationship to loan to value.

 Reviewing loan applications, analyzing credit bureaus and fico scores to properly grade loan to company guidelines and matrix.

Commercial Credit, St. Petersburg, FL April 1985-May 1995

Branch Manager

 Managing entire office staff, training all new hires.

 Selling loans and insurance products, closing the sale.

 Performing administrative tasks, such as ordering supplies, accounts payable, operating cash drawer and making bank deposits

 Making recommendations of credit worthiness

 Offering solutions to difficult delinquent accounts.

Assistant Manager/CSR

 Supervised staff in absence of manager.

 Collection of delinquent accounts.

 Upselling of loans to present customers.

 Maintaining initial and frequent contact with customers.

EDUCATION

 Cumberland County College, Vineland, NJ

A.S. Business Administration

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