Bob Gambino
Tampa,FL
Summary
Organized, dependable and detail oriented candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
22
22
years of professional experience
Work History
FHA Property Preservation Coordinator
Cyprexx Services LLC
Tampa, FL
09.2015 - Current
- Review property inspection reports, buildings, and photos to identify maintenance or repair concerns.
- Evaluate properties for possible structural or hazardous or environmental concerns.
- Adhere to FHA, VA, Fannie Mae, Freddy Mac, USDA and non-conforming loan guidelines, procedures, and pricing.
- Collected and maintained careful records of approvals, conversations, bills, and bids.
- Maintained properties in compliance with local, state, and federal regulations.
- Established positive flow of communication with agents, clients, attorneys, borrowers, contractors, and other personnel involved in property transactions or projects.
- Develop and provide competitive bids to Investors or Banks.
- Ensure all SLAs are adhered too.
- Negotiation of pricing with vendors, clients and federally backed home mortgage companies to create competitive repair bids.
- Manage projects from beginning to completion, insuring all property repairs are within budget, within scope and on schedule.
- Review hazard insurance benefits and coordinate completion of insurance repairs/rebuild with contractors, negotiate contractor insurance pricing, and file supplemental insurance claims when needed.
- Received excellent reviews for meeting and exceeding expectations.
Owner
Meridian Mortgage Acceptance Corporation
Tampa, Florida
07.2003 - 09.2015
- Optimized team hiring, training and performance.
- Prepared annual budgets with controls to prevent overages and minimize unnecessary waste.
- Trained and motivated employees to perform daily business functions.
- Established, optimized and enforced business policies to maintain consistency and high-quality standards across industry operations.
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Assessed clients' financial data to determine loan suitability.
- Reviewed loan files and updated to match current standards.
- Worked with underwriters to fix application problems and resolve issues.
- Explained entire mortgage loan process to borrower.
- Established strong relationships with borrowers, which helped to forge new business opportunities.
- Evaluated borrower financial information, pay stubs and credit history to determine loan possibility.
- Collaborated with different lenders to find best possible deal for homebuyers.
- Mentored brokers in methods to help each land new clientele.
- Explained different types of loans pertaining to client situations.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Monitored pipelines to track and log status of loans.
Senior Mortgage Underwriter
Mortgage Investors Corporation
St. Petersburg, FL
07.2000 - 06.2003
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
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Education
State Certification - Mortgage Lending
Bob Hogue School of Real Estate
5531 Dr M.L.K. Jr St N, St. Petersburg, FL 3370306.2003
High School Diploma -
Chamberlain High School
9401 N Blvd, Tampa, FL 3361206.1983
Skills
- Review of inspections and reports
- Code Compliance
- Bid Writing and Submission
- Operation and Job Cost Tracking
- Client Relations
- Project Management
- Repair Planning and Coordination
- Adhering to Client SLA's
- Proficient in Microsoft Office
- Spreadsheet Tracking
- Document analysis
- Attention to Detail
- Good Telephone Etiquette
- Excellent Communication
Timeline
FHA Property Preservation Coordinator
Cyprexx Services LLC
09.2015 - Current
Owner
Meridian Mortgage Acceptance Corporation
07.2003 - 09.2015
Senior Mortgage Underwriter
Mortgage Investors Corporation
07.2000 - 06.2003
State Certification - Mortgage Lending
Bob Hogue School of Real Estate
High School Diploma -
Chamberlain High School