Work Preference
Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Open To Work

Richard J. Dorazil Jr.

Underwriting/Real Estate
Lutz,FL

Work Preference

Desired Job Title

Owner (Real Estate Investor/Consulting)Jumbo / DE / NonQM Senior UnderwriterSenior UnderwriterSenior Correspondent UnderwriterCorrespondent Underwriter

Work Type

Full TimeConsulting

Location Preference

On-SiteRemoteHybrid
Location: Lutz, FL, US
Open to relocation: Yes

Salary Range

80000/yr - 200000/yr

Summary

Mortgage underwriting, risk management and real estate professional with extensive experience in Jumbo, FHA, Non-QM, and Conventional lending. Demonstrated success in reducing risk exposure through compliance and effective pipeline management. Proven ability to streamline processes and enhance operational efficiency.

Overview

19
19
years of professional experience
1
1
Certification

Work History

Owner (Real Estate Investor/Consulting)

Joe Homebuyer of Tampa Bay
Lutz
01.2023 - Current
  • Assessed risk and collateral to identify potential losses for informed decision-making.
  • Applied underwriting-style investment evaluation techniques for informed decision-making.
  • Executed transactions with operational discipline, streamlining processes.
  • Demonstrated transferable experience with jumbo, agency, and non-QM loans.
  • Analyzed borrowers and documentation for compliance, reducing risk exposure.

Jumbo / DE / NonQM Senior Underwriter

Sierra Pacific Home Loans/Caliber Home Loans
Remote
01.2015 - 12.2022
  • Resolved complex underwriting issues through effective communication with stakeholders.
  • Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
  • Maintained up-to-date knowledge of industry trends, best practices, government regulations, market conditions.

Senior Underwriter

American Financial Resources
Tampa
01.2014 - 01.2015
  • Mentored junior underwriters on best practices and complex case evaluations.
  • Collaborated with loan officers to clarify documentation and resolve issues promptly.

Senior Correspondent Underwriter

Fifth Third Mortgage Company
Tampa
01.2011 - 01.2014
  • Presented findings at team meetings to inform strategic decision-making.
  • Collaborated with cross-functional teams to enhance communication strategies.

Correspondent Underwriter

Bank of America
Tampa
01.2009 - 01.2011
  • Facilitated training sessions for junior staff on writing best practices and standards.
  • Managed workload to ensure timely and accurate processing of loan applications.

Financial Consultant

Wachovia Securities
Port Richey
01.2007 - 01.2009
  • Analyzed financial data to develop investment strategies for clients.
  • Collaborated with clients to assess financial goals and risk tolerance.

Education

Bachelor of Science - Financial Management

The Ohio State University
Columbus, OH

Skills

  • Jumbo, FHA, Non-QM and Conventional underwriting
  • Correspondent and Wholesale Channels
  • FHA and Non-QM guidelines
  • Manual underwriting
  • Credit and risk analysis
  • Investor guideline management
  • Loan review and approval
  • Quality control and compliance
  • Fraud detection and prevention
  • Pipeline and workflow management
  • Team leadership and mentoring
  • Process improvement
  • Remote underwriting operations
  • Microsoft Office Suite and Google Workspace
  • CRM and loan origination systems
  • Data analysis and reporting

Certification

  • Series 7 (Previous)
  • Series 66 (Previous)
  • Life, Health & Variable Annuity (215)

Timeline

Owner (Real Estate Investor/Consulting)

Joe Homebuyer of Tampa Bay
01.2023 - Current

Jumbo / DE / NonQM Senior Underwriter

Sierra Pacific Home Loans/Caliber Home Loans
01.2015 - 12.2022

Senior Underwriter

American Financial Resources
01.2014 - 01.2015

Senior Correspondent Underwriter

Fifth Third Mortgage Company
01.2011 - 01.2014

Correspondent Underwriter

Bank of America
01.2009 - 01.2011

Financial Consultant

Wachovia Securities
01.2007 - 01.2009

Bachelor of Science - Financial Management

The Ohio State University

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Richard J. Dorazil Jr.Underwriting/Real Estate