MAULANA ROLLE
Pembroke Pines,FL
Summary
Results driven Underwriter with over ten years experience in Mortgage underwriting including Due Diligence, Loss Mitigation, Conventional, 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
10
10
years of professional experience
Work History
Insurance Verification Specialist / Insurance Agen
COMPLETE SENIOR HEALTH
06.2024 - Current
- Conducted thorough needs assessments for each client, identifying suitable plan options based on individual requirements and financial capabilities.
- Boosted company reputation through consistent delivery of reliable, trustworthy advice to clients navigating the Medicare insurance market.
- Enhanced client satisfaction by providing knowledgeable guidance on Medicare plan options and enrollment procedures.
- Streamlined the application process for clients, ensuring accurate and timely submission of required documentation.
- Provided exceptional customer service by promptly addressing questions or concerns during the entire enrollment process.
- Maintained thorough records of all interactions with clients, facilitating seamless follow-up communications as needed.
- Stayed current on industry trends and changes in regulations, enabling informed recommendations to clients seeking optimal coverage solutions.
- Leveraged strong problem-solving skills to address complex client inquiries and resolve issues in a timely manner.
- Consistently met or exceeded sales targets by effectively communicating the benefits of various Medicare insurance plans.
- Followed guidelines when reviewing applicant data to determine eligibility for economic assistance.
Sr Underwriter
Reasonable Insurance Group
10.2022 - 06.2024
- Review mortgage loans to ensure accuracy and completeness, validate findings to verify that all information matches. Instruct Mortgage Loan Originators and Mortgage Loan Processors on any errors for training purposes.
- Review title to verify the customer has ownership on a refinance transaction and that the seller has ownership for purchase transaction. Check that chain of title meets investor requirements.
- Verify there are no unpaid liens or judgments and that all mortgage liens are being paid off through the transaction.
- Verify that the rate lock matches the underwriting file with the correct program, LTV, credit score.
- Perform mortgage credit analysis, with or without the assistance of automated underwriting system, to determine borrower’s willingness and ability to repay the mortgage debt.
- Evaluate risk to ensure a prudent decision is made.
- Perform detailed review of appraisal for one-to-four family residential properties to determine acceptability of security for portfolio loans and loans sold to investors.
- Partner with the Mortgage Underwriting Supervisor to ensure that credit decisions are made within targeted timeframes and meeting purchase contract deadlines.
- Review all origination files to ensure the customer has been offered the best mortgage program.
- Adhere to guidelines to ensure all loans are closed properly according to internal and external investors in a timely manner.
- Ensure that all fair lending and compliance policies are followed both in dealings with customers, as well as the underwriting decisions that are made.
- Monitor all secondary Investor, Government and MI guideline changes and determine effect on current and future loans.
Commercial Lines Underwriter
Athas Capital Group
10.2021 - 05.2022
- Underwrite complex commercial real estate and non asset backed loans with minimal supervision; Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure
- Analysis of Corporate and Personal Tax Returns, balance sheets, and financial statements. Appraisal analysis including rent rolls, comparable rent schedules along with credit analysis to validate applicants prior credit experience, Debt to income ratios, and DSCR
- Extensive review of Corporate business structures. Reviewed Trust Agreements and LLC documents, including Operating Agreements and Articles of Incorporation to ascertain ownership and transactional authority
- Analyzed acquisition costs, potential renovations, market rents/rent rolls, general market conditions in addition to current and past credit performance and overall credit exposure to identify and mitigate potential risk; Counter offered with alternate terms based on level of risk and investor tolerance
- Prepared analytical documents used to determine creditworthiness of new, Non-Agency and Commercial loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, DSCR, No Ratio, Foreign National, Corporate Entities and Self-Employed borrowers
- Prepared loan summary reports summarizing loan applications and credit analysis for upper management and executive loan committee, when applicable
- Perform appropriate High Cost, APR, Amount Financed, and State Predatory tests in the Compliance Review system
- Analysis of property appraisal to determine if value is supported and property meets all eligibility requirements including Commercial properties, Condominiums, PUD's, Investment properties 2-4 Unit owner occupied properties, and Corporate owned income producing properties
- Highly responsible for Regulatory Compliance in a constantly-evolving lending environment
Sr Underwriter
MAJESTIC HOME LOANS
08.2020 - 10.2021
- Underwrite Conventional Conforming, Non QM, and Commercial loan applications utilizing Manual Underwriting Guidelines or Desktop Underwriter and Loan Product Advisor, respectively
- Complete reviews of loan applications, including credit analysis; calculate financial ratios using various programs to assist in evaluating customers financial status; identify potential risks associated with borrower or collateral; counter offer with alternative based on level of risk and investor tolerance
- Extensive review of Corporate and Personal tax returns to validate rental income and debt service, including analysis of current liquidity, DSCR, rent rolls, general market conditions and overall credit exposure
- Appraisal analysis including cost to acquire, potential renovations, subject property cash flow, rent rolls, comparable rent schedules, and general market conditions
- 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, Investor guidelines, Bulletins, and Announcements ; Resolve loose-ends identified by Post-Closing/Loan Delivery team as needed.
- Conducted presentations to upper management and executive teams for loan recommendations when necessary
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Sr Diligence Underwriter/QC Analyst/Non QM
A&D Mortgage, LLC
09.2019 - 03.2020
- 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.
- Perform data analysis of all compliance related reports and data received to ensure accuracy; Performed compliance testing as assigned, and drafted loan servicing responses to regulatory compliance audits verifying findings and cost to cure
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA and Non QM and investor specific guidelines
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Created loan reports summarizing loan reviews and credit analysis, including both quantitative and qualitative analysis in one clear, concise evaluation. Drafted loan servicing file in response to regulatory compliance audit findings
- Income Recalculation: Reviewed Corporate and individual tax returns, Corporate documents including Articles of Incorporation, Trust Agreements, and Operating Agreements, Financial statements including Profit and Loss Statements, Balance Sheets and business and personal bank statements
- Analyze prior credit performance, DTI and LTV ratios, cash flow, appraisals, comparable rent schedules, and applicants past credit experience and DSCR along with current credit performance and market trends to validate underwriting decisions
- Review Conventional Conforming and Non QM mortgages; Drafted reports of audit findings utilized in defense from FNMA, FHLMC and MI claims.
- Maintained productivity standards and operated within established turn times/deadlines established by management
- Excellent analytical and problem solving skills Ability to work accurately and efficiently in a fast paced environment; Demonstrated technical competence in fundamental financial analysis
Sr Underwriter, Loss MIT / Diligence
American Mortgage Consultants
04.2016 - 01.2020
- Underwriting retail and wholesale loans: Non QM, Conventional, Alt A, Single Family, Condo's, Townhomes, 2-4 units, Commercial 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, or Non QM Investor guidelines
- Review, and approve, and conventional, Non QM, and jumbo loans for sale to investors, as well as Portfolio loans and HELOCS ($1,000,000 signing authority)
- Strong ability to analyze Personal and Business Tax Returns. Trust documents, Operating Agreements, Appraisals, credit reports reports, rent schedules, and title commitments; Complete credit underwrite on all loan files pursuant to investor guidelines orAUS findings, respectively
- Analysis of property appraisal to determine if value is supported and property meets all eligibility requirements including Condominium, PUD's, income producing Investment properties, 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) or DSCR
- Evaluated tax returns and rent schedules, comparing prior credit experience, current credit exposure, and liquidity, identifying and mitigating potential risk(s)
- Reviewed appraisals and recommended additional requirements needed for risk to adhere to company guidelines
- Highly responsible for Regulatory Compliance in a constantly-evolving lending
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Assisted with short sales and deed in lieu processes; Discussed property liquidation options with customers; Checked property valuations to assess foreclosure viability
- Established plans and payoffs for customers' loans, prioritizing control of overall costs, and loss mitigation
Sr Underwriter
Processing Specialists
11.2014 - 04.2016
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
- Assisted with short sales and deed in lieu processes.
- Reached out to borrowers to discuss current status and loan workout options.
- Discussed property liquidation options with customers.
- Checked property valuations to assess foreclosure feasibility.
- Provided reinstatement and payoff quotes to clients.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Education
Some College (No Degree) - Finance
Nova Southeastern University
Davie, FL07.2005
Skills
- Loan Underwriting Expertise
- FNMA Guidelines
- Underwriting guidelines
- Debt-to-Income Ratio Analysis
- Tax Return Analysis
- Financial analysis proficiency
- Credit analysis
- Residential mortgage lending regulations
- Appraisal Review Expertise / LTV Calculations
- Fraud Detection Abilities / Quality control measures
- Loan Modification Experience
- Underwriting Software Familiarity
- Teamwork and Collaboration
- Attention to Detail
- Excellent Communication Skills and Problem-solving abilities
Timeline
Insurance Verification Specialist / Insurance Agen
COMPLETE SENIOR HEALTH
06.2024 - Current
Sr Underwriter
Reasonable Insurance Group
10.2022 - 06.2024
Commercial Lines Underwriter
Athas Capital Group
10.2021 - 05.2022
Sr Underwriter
MAJESTIC HOME LOANS
08.2020 - 10.2021
Sr Diligence Underwriter/QC Analyst/Non QM
A&D Mortgage, LLC
09.2019 - 03.2020
Sr Underwriter, Loss MIT / Diligence
American Mortgage Consultants
04.2016 - 01.2020
Sr Underwriter
Processing Specialists
11.2014 - 04.2016
Some College (No Degree) - Finance
Nova Southeastern University
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