MAULANA ROLLE
Miramar,FL
Summary
Results driven Mortgage Underwriter with over ten years of experience in Prime, Alt A, and Non QM/Hard Money and Subprime lending. Excellent reputation for resolving problems, improving customer satisfaction, and driving overall operational improvements. Consistently maximized profits while minimizing the level of risk to the organization. Worked collaboratively with brokers, loan processors, realtors and closers to coordinate the timely underwriting and closing of prospective loans while maintaining quality standards and meeting client objectives. Astute, organized and methodical with an articulate communication style and a personable nature that ensures a high level of service for both internal and external customers.
Overview
9
9
years of professional experience
Work History
Sr Underwriter, Non QM
Athas Capital Group
Calabasas, CA
10.2021 - Current
- Proficient in both AUS and traditional underwriting systems
- Expert analysis of Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, DSCR, No Ratio, Foreign National, and Self-Employment.
- Analysis of Non QM Loan reviews with a demonstrated ability to analyze complex transactions
- Experience in agency, non-agency, and HELOC underwriting and selling guidelines, reviewing documents within corporate timeframes and maintaining low error rates
- Reviewed loan documentation, including collateral/ appraisals, title, commitments, sales contracts, flood zone certificates and other real estate related documents
- Evaluate and examine loan files to ensure accuracy, completeness and compliance with investor and agency guidelines
- High level of expertise evaluating more complex loans (jumbo, self-employed borrowers)
- Meet Underwriting metrics, including customer service levels, quality of loans and expected turn-times
- Strong communication skills, both verbal and written
- Excellent analytical and problem solving skills, ability to work accurately and efficiently in a fast paced environment
- Ability to handle competing priorities effectively and within established timeframes Excellent interpersonal skills and positive attitude
Sr Mortgage Underwriter
Digital Risk, LLC
Boca Raton, FL
04.2021 - 10.2021
- Proficient in both traditional AUS underwriting systems AND Non QM/Non Agency loan products.
- Analysis of Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, DSCR No Ratio, Foreign National and Self-Employment.ND Non QM Loan reviews with a demonstrated ability to analyze highest of complexity transactions.
- Expertise in agency, non-agency, and HELOC underwriting and selling guidelines, reviewing documents within corporate timeframes and maintaining low error rates.
- Analyzed loan packages, including all income documentation, tax returns, credit reports, preliminary title report, judgments, bankruptcy documents and appraisals to deliver valid credit decisions.
- Analyze and calculate income using documentation such as personal and business income statements; ensure all necessary documentation is requested to support final loan decisions.
- Perform timely reviews of conditions submitted.
- Maintain established service level standard of decisions within a 48-hour time frame
- Discuss and review conditions with Loan Officer, Loan Processors, Team Leaders or Managers.
- Recommend restructuring of loans to comply with guidelines.
- Resolve post-closing underwriting issues.
- Remain familiar with multiple investor and agency guidelines and overlays.
- Demonstrate proficiency in automated underwriting systems.
Sr Mortgage Underwriter
MAJESTIC HOME LOANS
Ontario, CA
08.2020 - 03.2021
- Underwrite conforming (Fannie/Freddie) applications using Desktop Underwriter and Loan Product Advisor
- Review submitted loan approval conditions and disposition as appropriate.
- Underwrite 1 to 4-unit residential property appraisals
- Review, validate, and update when applicable loan file data including transaction details, credit, liability, income, asset and property information
- Provide accurate, clear and concise communications to internal partners including processors, underwriters, loan officers, funders, shippers, and production managers. regarding file structuring, counteroffers, and/or documents needed to move files forward in the most expeditious manner possible
- Stays current on all Fannie Mae & Freddie Mac Selling Guide Updates, Lender Lenders, Bulletins, and Announcements
- Resolve loose-ends identified by Post-Closing/Loan Delivery team as needed.
- Capable and competent in evaluating self employed income including personal and business tax returns
- Work mandatory overtime up to eight hours per week as assigned. (Additional, non-mandatory overtime often available as well)
- Able to maintain positive attitude and be productive even when under pressure and under tight deadlines
Sr Mortgage Underwriter/QC Analyst/Non QM
A&D Mortgage, LLC
Hollywood, FL
09.2019 - 03.2020
- Ability to underwrite Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, DSCR No Ratio, Foreign National and Self-Employment.
- Excellent analytical and problem solving skills Ability to work accurately and efficiently in a fast paced environment.
- Ability to handle competing priorities effectively and within established timeframes Excellent interpersonal skills and positive attitude
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Verified integrity of applicants' information to minimize fraud.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Underwriter, Conventional And Diligence
American Mortgage Consultants
Tampa, FL
04.2016 - 01.2020
- Complete credit re-underwrite on all loan files pursuant to AUS findings or manual loan approvals
- Underwriting retail and wholesale loans: Conventional, Alt A, Single Family, Condo's, Townhomes, 2-4 units and income producing properties in all 50 states with a "state-of-the-art" Paperless LoanProcessing/Underwriting/Delivery System, in accordance with FNMA, FHLMC, and Investor guidelines
- Review, approve, and insure conventional and jumbo loans for sale to investors, as well as Portfolio loans and HELOCS ($650,000 signing authority)
- Heavy DU & LP and traditional /manual underwriting
- Strong ability to analyze Personal and Business Tax Returns
- Analysis of property appraisal to determine if value is supported and property meets all eligibility requirements including Condominium, PUD's, and 2-4 Unit properties
- Analysis and recalculation as required of all borrower income sources, including borrower's debt load and debt to income ratio(s)
- Analysis of Note, Mortgage, and Assignment with emphasis on accuracy; Verified completeness and accuracy of required disclosures
- Perform appropriate High Cost, APR, Amount Financed, and State Predatory tests in the Compliance Review system
- Reviewed appraisals and recommended additional requirements needed for risk to adhere to company guidelines
- Highly responsible for Regulatory Compliance in a constantly-evolving lending environment
Mortgage Underwriter
OPUS CMC
Ft Lauderdale, FL
12.2014 - 02.2016
- Review/analyze loan files submitted for borrower to ensure file met loan program requirements at time of origination
- Individual analysis of loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation
- Over 5 years mortgage experience as a frontline due diligence/back-end underwriter with emphasis on credit review
- High level of fluency of complex personal and business financial analysis, including credit, income, assets and compliance documentation
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards
- Calculation and verification of income and assets, evaluation of credit reports, purchase contracts, appraisals, title commitments and other pertinent loan documentation
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other
Conventional Underwriter
Digital Risk, LLC
Boca Raton, FL
08.2011 - 08.2013
- Underwriting retail and wholesale loans: Conventional, Alt A, Single Family, Condo's, Townhomes, 2-4 units and income producing properties in all 50 states with a "state-of-the-art" Paperless Loan Processing/Underwriting/Delivery System, in accordance with FNMA, FHLMC, and Investor guidelines
- High pressure position requiring keen ability to manage MULTIPLE real-time changes in loan terms at the 11th hour, while at the same time producing a saleable loan
- Review, approve, and insure conventional and jumbo loans for sale to investors, as well as Portfolio loans and HELOCS ($650,000 signing authority)
- Heavy DU & LP and traditional /manual underwriting
- Performed appraisal reviews and recommended additional requirements needed for risk to adhere to company guidelines
- Strong ability to analyze Personal and Business Tax Returns
- Accountable for maintaining a high level of production with strong focus on minimizing risk
- In-depth use of Core-Logic/Loan Safe, and MERS fraud tools
- Highly responsible for Regulatory Compliance in a constantly-evolving lending environment
- Exposure to Alt-A and Subprime products prior to market tightening
Education
Some College (No Degree) - Finance
Nova Southeastern University
Davie, FL07.2005
Skills
- NON QM and Conventional Underwriting
- 3 years of experience with non-QM loans
- Credit
- Documentation
- Financial statements
- Focus
- Regulatory Compliance
- Legal documents
- Loan Processing
- Quality Control
- Real estate
- Real-time
- Tax Returns
- Underwriting
- Quality assurance controls
- Customer assistance
- Rapport building
- Customer service excellence
Timeline
Sr Underwriter, Non QM
Athas Capital Group
10.2021 - Current
Sr Mortgage Underwriter
Digital Risk, LLC
04.2021 - 10.2021
Sr Mortgage Underwriter
MAJESTIC HOME LOANS
08.2020 - 03.2021
Sr Mortgage Underwriter/QC Analyst/Non QM
A&D Mortgage, LLC
09.2019 - 03.2020
Underwriter, Conventional And Diligence
American Mortgage Consultants
04.2016 - 01.2020
Mortgage Underwriter
OPUS CMC
12.2014 - 02.2016
Conventional Underwriter
Digital Risk, LLC
08.2011 - 08.2013
Some College (No Degree) - Finance
Nova Southeastern University
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