Robert Afdahl

• FHA, VA, and Conventional
• Validation of income, assets, property (title, appraisal, contracts, condo documents. SFR, man homes, condos, co-ops) and disclosures
• Evaluation of loan file for risks and criteria such as investor requirements, accuracy, consistency, and completeness
• LOS - Encompass

• FHA, VA, and Conventional
• Bond and Down Payment Assistance programs for several state specific and national programs
• Manual underwriting, Government loans
• 3-5 new loans per day
• LOS - Encompass

• Post close/forensic review of seasoned non-performing and re-performing files, identifying portfolio risks
• Analysis of credit documents (application, credit and income), title, appraisal, and compliance documents.

Determined red flags and existence of potential fraud. Reviewed for accuracy, completeness, and compliance. Communicated decisions to processing, sales and management.

• FHA, VA, FNMA/FHLMC, Non-conforming, USDA, Texas Cash Out, Bond and Down Payment Assistance programs.
• Highest level authority across all products
• Agency exception authority
• Reduced costs/losses by clearing investor suspended files
• Managed office file workflow
• Trained/mentored newly hired and lower authority underwriters
• Post funding quality audit

• On-site MI underwriter for broker and correspondent lender. Reviewed files for a multitude of lenders, which required knowledge of many different lender specific guidelines and automated systems
• Liaison between lender and MI company (RMIC)
• Collaborated with client’s senior management, giving guidance (underwriting guidelines, policies & procedures, investor requirements) with their banking division creation
• Exceeded performance and quality goals while working in high-pressure, high-volume environment
• Trained newly hired contract underwriters, insuring RMIC's guidelines were met while balancing needs and requirements of broker/lender