Years of mortgage experience
John Robinson
Covington,Louisiana
Summary
Senior Mortgage Loan Underwriter with a strong track record at Gulf Coast Bank, known for enhancing accuracy rates via stringent quality control measures. Specialized in debt-to-income ratio analysis and risk mitigation, resulting in improved customer satisfaction. Demonstrated capability in ensuring prompt loan processing and supporting informed client decisions.
Overview
25
25
Work History
Senior Mortgage Loan Underwriter
Gulf Coast Bank
06.2016 - Current
- Implemented robust quality control measures that enhanced overall accuracy rates across the underwriting team.
- Assisted in the development of training materials for new hires, ensuring all team members were well-equipped to perform their roles effectively.
- Mitigated losses through diligent monitoring of borrower financial health, proactively addressing concerns before they escalated into larger issues.
- Enhanced customer satisfaction by providing timely feedback on loan applications and maintaining open lines of communication.
Senior Loan Officer
First Access Mortgage
2013 - 2015
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Submitted loan applications to underwriter for verification and recommendations.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
Loan Officer
Bank of England
2008 - 2013
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
Education
Bachelor of Arts - Psychology
Louisiana State University
Baton Rouge, LA05.1991
General Studies
Miami Sunset Senior High School
Miami, FL05.1983
Skills
- Debt-to-income ratio analysis
- Loan underwriting proficiency
- Credit scoring frameworks
- Quality control standards
- Financial statement evaluation
- Appraisal assessments
- Risk analysis in credit management
- Loan-to-value ratio calculations
- Strategies for loan pricing
- Techniques for risk mitigation
- Income verification processes
- Proficient use of underwriting software
- Adherence to underwriting guidelines
- Fannie Mae (FNMA) regulations knowledge
- Expertise in residential loans
- Thorough documentation reviews
- Experience with jumbo loans and super jumbo loans
- effective credit assessment methods
- detailed asset statement reviews
- efficient property inspections
- effective teamwork and collaboration
- effective problem-solving skills
- a keen attention to detail
- effective leadership skills
- dependable organizational abilities
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