David Boswell
Rochester,NY
Summary
Results-driven underwriter with over twenty years of experience in credit, risk and project management. History of consistently exceeding productivity, customer/staff satisfaction, quality and financial goals.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Underwriter
Sutherland Mortgage Services
Sugar Land, Texas
08.2019 - Current
- For the past 5 years currently underwriting files with and without MI for various lenders
- Reviewed 3 to 4 new files and 10 condition reviews daily to maintain workflow efficiency.
- Review borrower financials to determine creditworthiness and lending eligibility.
- Collaborated with loan officers and processors to clarify borrower information and ensure accurate documentation.
- Met department standards, volumes, and SLAs to support operational goals.
- Familiar with various LOS systems and underwriting products.
Asset Manager
Planet Home Lending
Rochester, NY
02.2018 - 08.2019
- Managed accounts for non-performing loans and REO, achieving defined financial targets.
- Evaluated borrower financial information to assess loss mitigation options and recommended alternatives to foreclosure.
- Developed and implemented loss mitigation strategies to enhance performance benchmarks.
- Reconciliation of asset valuation, including review of BPOs, appraisals, AVMs to determine true value.
Senior Undewriter
Sutherland Mortgage Services
Sugarland, TX
06.2015 - 09.2017
- Issue loan decisions on conventional agency loan transactions including Rate/term, cash out refinance, while remaining in compliance with regulatory guidelines.
- Reviewed credit reports and financial statements for accuracy and completeness.
- Performed quality control reviews on all approved and declined loans prior to closing.
Senior Underwriter
JPMorgan Chase
Rochester, NY
01.2001 - 06.2015
- Underwrote a challenging high profile portfolio of loans including Regulation B,bankruptcy, litigation and executive office complaints.
- Communicated loan decisions (approval, suspense, denial) to relevant stakeholders while upholding fair lending practices and adhering to government guidelines.
- Exceeded performance standards by achieving and maintaining a 98% rating on internal and external quality audits.
Education
Masters in Public Administration -
SUNY Brockport
Brockport NY09-1999
Bachelor of Arts - Political Science
St. John Fisher College
Rochester NY06-1996
Skills
- Risk assessment
- Credit analysis
- Problem resolution
- Team collaboration
- Interpersonal communication
- Time management
- Attention to detail
- Regulatory compliance
Certification
- MBA Advanced Certified Residential Underwriter (CRU)
Timeline
Underwriter
Sutherland Mortgage Services
08.2019 - Current
Asset Manager
Planet Home Lending
02.2018 - 08.2019
Senior Undewriter
Sutherland Mortgage Services
06.2015 - 09.2017
Senior Underwriter
JPMorgan Chase
01.2001 - 06.2015
Masters in Public Administration -
SUNY Brockport
Bachelor of Arts - Political Science
St. John Fisher College