Raymond Benjamin
Knoxville,United States
Summary
Sixteen years residential mortgage experience. Knowledge and underwriting of Bank and Private, Alt-A, Non- Conforming, Fannie Mae/Freddie Mac, Non-QM, VA, USDA and FHA residential mortgage loans. Performed in-depth forensic underwriting review of closed mortgage loan files for compliance with applicable State and Federal laws and adherence to specific lender guidelines. Review and re-verified loan and post-closing servicing documentation for evidence of misrepresentation in the original loan submission. Hardworking and flexible individual with 45 hours of availability per week, including weekends and evenings.
Overview
30
30
years of professional experience
Work History
Mortgage Underwriter
Digital Risk
08.2020 - 06.2023
- Analyze, review, and use critical thinking skills to make underwriting decisions on products within company and industry guidelines.
- Started as Level one underwriter within loss mitigation department to approve forbearance and loan modifications
- Promoted to Delegated underwriter after six months to approve full income documented loans adhering to client and agency guidelines
- Evaluated complex processes or tasks requiring research into cause and effect of underwriting guidelines across FHA, USDA, Fannie Mae and Freddie Mac, USDA, VA, FHA and Bank Private products and programs
- Reviewed initial and 1st level underwriting decisions after being selected as 2nd level qualify control forensic underwriter
- Key participant for duration of Project working on complex initiatives with broad impact as Level 2 underwriter
- Delegated underwriting authority working within loss mitigation department for client to approve loan modification adhering to client and agency guidelines and leadership role in Project as Level 2 forensic audit underwriter
- Effectively manage and process pipeline of loans computing decision daily
- Oversee acquisition of new credit relationships, including some customer contact to ensure credit policies are applied in all areas of credit underwriting
- Ensure conformity with bank policies and procedures
- Collaborate and consult with professionals and management to resolve problems and achieve objectives.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Verified integrity of applicants' information to minimize fraud.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
Debt Collector
Healthcare Receivables Group
02.2019 - 08.2020
- Top medical debt collector consistently exceeding monthly collection goals.
- Collected on delinquent accounts to reduce overdue balances
- Used scripted conversation prompts to convey current account information and obtain payments.
- Identified and contacted customers with overdue accounts to address payment status.
- Verified compliance with relevant laws, regulations and best practices related to customer account management.
- Achieved performance goals on consistent basis.
- Maintained high volume of calls and met demands of busy and productive group.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
Salesperson
Blue Green
07.2018 - 01.2019
- Performed and managed client interaction selling time share products from initial meet and greet through closing.
- Engaged customers in social conversations to create pleasant and easy shopping experience.
- Provided product benefits and advantages and discussed pricing with interested parties.
- Created professional sales presentations and seminars to effectively demonstrate product features and competitive advantages.
Commercial Sales Specialist
Cook's Pest Control
07.2017 - 06.2018
- Set up appointments with business owners with goal of selling yearly pest control services.
Mortgage Specialist
Platinum Home Mortgage Corporation
01.2013 - 06.2017
- Managed entire loan process from request for information to closing
- Used underwriting skills to analyzed applicants credit history and financial information according to investor and/or agency guidelines.
Account Executive
Charter Communications
06.2011 - 10.2012
- Worked with retail business to become charter communication retail sales office through process of evaluation, signing of retail partner contract, and training staff on products and processes.
- Managed
- B2B credit risk analysis on each potential retail partner to ensure good business relationship.
- Built and strengthened relationships with new and existing accounts to drive revenue growth
- Qualified leads, built relationships and executed sales strategies to drive new business
- Resolved issues promptly to drive satisfaction and enhance customer service
Direct Sales Specialist
Comcast
03.2010 - 11.2010
- Participated in various incentive programs and contests designed to support and achieve production goals
- Developed sales strategy to negotiate and close profitable projects by selling Comcast cable products door to door in assigned area.
- Met customers in homes and businesses to discuss and demonstrate products
Account Executive
CITIMORTAGE
12.2003 - 08.2008
- Implemented relationships with banks and mortgage companies for sale of mortgage loans
- Consistently met and exceeded department expectations for productivity and compliance goals by ranking in top 10% percentile among wholesale account executives.
- Managed sales cycle to maintain solid customer base
- Applied needs-based analysis to assess current satisfaction and importance of various product features to customers
Account Executive
NovaStar Mortgage
03.2003 - 09.2003
- Established and developed more than thirty new accounts within six months of hire date.
- Increased mortgage loan volume within wholesale mortgage department during tenure with company.
- Resolved issues promptly to drive satisfaction and enhance customer service.
- Distributed marketing materials to existing and prospective clients to promote products and services.
- Trained clients on product features and updates to secure buy-in
- Researched competitive landscape and emerging technologies to position brand in global marketplace.
Mortgage Loan Officer
Action Mortgage Of Tennessee
09.2000 - 02.2003
- Identified and qualified clients for mortgage loans
- Exceeded company stands in yearly closed residential mortgage loans
- Worked with loan officers with structuring, pricing, and documentation to mentor less experienced staff after being promoted to team leader within first year with company.
Sales Manager
Combined Insurance Group Ltd
02.1993 - 09.2000
- Sold income protection, life, and other insurance products to individuals within assigned territory using consultative selling techniques
- Communicated daily production and business goals to regional and national managers
- Consistently met and exceeded department expectations for production and best practices.
- Conducted team meetings to reinforce goals and objectives and set clear expectations about policies and procedures
- Coached employees in successful selling methods and encouraged cross-selling to drive revenue
- Grew sales and boosted profits, applying proactive management strategies and enhancing sales training
- Maintained relationships with customers and found new ones by identifying needs and offering appropriate services
- Maintained ethical and positive working environment to reduce turnover and promote high retention rates
- Evaluated performance against goals and implemented appropriate development plans
- Identified, hired and trained highly-qualified staff by teaching best practices, procedures, and sales strategies
Education
Bachelor of Science -
The University of Tennessee - Knoxville
Knoxville, TNSkills
- Citrix
- Credit analysis
- Credit risk
- Critical thinking
- Mortgage Underwriting
- Loss Mitigation
- Microsoft Teams
- Microsoft Office
- Forensic Analysis
- Mortgage Compliance
- Application Tracking
- Data Integrity
- Knowledge of VA Loan Process
- Residential Mortgage Applications
Timeline
Mortgage Underwriter
Digital Risk
08.2020 - 06.2023
Debt Collector
Healthcare Receivables Group
02.2019 - 08.2020
Salesperson
Blue Green
07.2018 - 01.2019
Commercial Sales Specialist
Cook's Pest Control
07.2017 - 06.2018
Mortgage Specialist
Platinum Home Mortgage Corporation
01.2013 - 06.2017
Account Executive
Charter Communications
06.2011 - 10.2012
Direct Sales Specialist
Comcast
03.2010 - 11.2010
Account Executive
CITIMORTAGE
12.2003 - 08.2008
Account Executive
NovaStar Mortgage
03.2003 - 09.2003
Mortgage Loan Officer
Action Mortgage Of Tennessee
09.2000 - 02.2003
Sales Manager
Combined Insurance Group Ltd
02.1993 - 09.2000
Bachelor of Science -
The University of Tennessee - Knoxville
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