Summary
Overview
Work History
Education
Skills
References
Timeline
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Robert Boyd

El Cajon,CA

Summary

Several years’ experience in Conventional, Jumbo, Hamp, Harp HELOC, Purchase money 2nd, Construction to Perm. Underwriting along with credit Assessment and Risk Analysis, Collateral, Capacity, Cash, and Credit review experience. Utilizing various types of underwriting platforms such as Calyx Point, Genesis, Encompass, lenders prosperity income calculation for W2 income / self-employed

Overview

15
15
years of professional experience

Work History

Account Manager

Clean Med Supply
San Diego, CA
03.2024 - Current
  • Results-driven medical sales and management professional who excels in growing sales and profits by developing key accounts and utilizing sales skills and the medical supply industry knowledge to achieve desired goals
  • Areas of expertise include medical supply / personal protection equipment (PPE) and a wide variety of medical-surgical supplies
  • Successful medical sales to Biotech, Pharmaceutical and Tech labs
  • Proficient with all MS Office applications, as well as Outlook and other business communications software
  • Strong interpersonal and relationship building skills
  • Proven sales track record
  • Product knowledge of a wide variety of medical supplies
  • Cross collateral title and appraisal review.

REMOTE UNDERWRITER

Finance if America
Conshohocken, PA
11.2021 - 03.2024
  • Implemented fraud detection reviewing nexus lexus, reviewed credit history and builders credit / payment history
  • Review appraisal, title, builders liquidity and risk, insurance review
  • Reviewed cross collateral and Home-safe equity second.

REMOTE UNDERWRITER

Cardinal Financial
Charlotte, NC
08.2020 - 04.2021
  • Conforming, Purchases, Rate and Term Refinance, HIBAL loan underwriting and Portfolio loan products, Construction to Perm, Mix Use Properties
  • Underwrite DU/LP through propriety software (Octane) using Freddie/Fannie seller guideline requirements
  • Review credit, W2 i /self employed income, personal assets, appraisals, title reports and overall loan review from opening to closing.

REMOTE UNDERWRITER

OneTrust Home Loans
San Diego, CA
07.2017 - 08.2020
  • Conforming, Jumbo, Purchases, Rate and Term Refinance, HIBAL loan underwriting and Portfolio loan products and Puerto Rico Loans (Portfolio)
  • Delegated Flagstar/Suntrust Wells Fargo
  • Underwrite DU/LP loans using Freddie/Fannie seller guideline requirement
  • Purchase/Jumbo/Conventional loans utilizing DU/LP
  • Manual Jumbo Portfolio U/W
  • Review credit, self-employed/W2 income, personal assets, appraisals, title reports and overall loan review from opening to closing
  • Signing authority up to 3 million.

REMOTE UNDERWRITER

American Pacific Mortgage
Roseville, CA
10.2015 - 02.2017
  • Conforming, Jumbo, Purchases, Rate and Term Refinance, HIBAL loan underwriting and Portfolio loan products, Delegated MI Suntrust Wells Fargo, MGIC, Radian and Chase underwriting delegated
  • Underwrite DU/LP loans using Freddie/Fannie seller guideline requirements
  • Type of loans underwritten are Purchase/Jumbo/Conventional loans utilizing DU/LP
  • Manual Jumbo Portfolio U/W
  • Review credit, self-employed/W2 income, personal assets, appraisals, Title Reports and overall loan review from opening to closing
  • Signing authority up to 3 million.

CORPORATE SR UNDERWRITER

North Island Credit Union
San Diego, CA
09.2014 - 10.2015
  • Conforming, Purchases, Rate and Term Refinance and HIBAL loan underwriting
  • Underwrite NICU Portfolio loans North Island CU guideline requirements
  • Type of loans underwritten are Purchase/Jumbo/Conventional loans utilizing DU/LP, Manual Jumbo and 2nd HELOCS utilizing DGU U/W guidelines
  • Review credit, self-employed/W2 income, personal assets, appraisals and overall loan
  • Review Alt A type credit to see if loan can be approved under an exception to place under NICU portfolio loan products
  • Signing authority up to 1 million.

4C UNDERWRITER

Wells Fargo
San Diego, CA
02.2011 - 10.2014
  • Jumbo, Conforming, Harp, Hamp, Purchases, Rate and Term Refinance, Construction to Perm/Builders and HIBAL loan underwriting
  • Underwrite loans utilizing the "4 C's" cash, credit, capacity, collateral
  • Analyzed credit for fraud, revolving debt usage and borrowers ability to repay, income based on payment history
  • Personal and business tax returns
  • Analyzed business/personal Bank Statements for large sum deposits, inconsistent deposits, insufficient funds and for required seasoned funds/assets/reserves to close
  • Appraisal review.

3C UNDERWRITER (Transferred back to San Diego CA)

Wachovia/Wells Fargo
Charlotte, NC
06.2009 - 02.2011
  • Conforming, HEL/PEL, Closed-End Second Mortgages, HIBAL
  • Underwrite loans cash, credit, capacity, collateral
  • Analyzed credit for fraud, revolving debt usage and borrower’s ability to repay income based on payment history
  • Reviewed and calculated pay stubs, W2's And business tax returns with all schedules, K1's, Partnerships, S Corps, 1120's
  • Analyzed Business/Personal Bank Statements for large sum deposits, inconsistent deposits, insufficient assets, required seasoned funds/assets/ reserves to close
  • Reviewed title, appraisal along with documentation in compliance for state specifics.

Education

Skills

  • Credit Assessment
  • Collateral
  • Capacity
  • Credit Collateral
  • Fraud Detection
  • Credit History Review
  • Appraisal Review
  • Title Review
  • Builders Liquidity and Risk Review
  • Insurance Review
  • Cross Collateral Review
  • Home-Safe Equity Second Review
  • W2 Income Review
  • Self-Employed Income review
  • Purchase/Jumbo/Conventional Loans Review
  • Manual Jumbo and Portfolio U/W
  • Puerto Rico Loans (Portfolio)
  • Investor delegated MI with Suntrust Wells Fargo, MGIC, Radian, and Chase
  • Purchase/Jumbo/Conventional/ Cross Collateral/ Bridge Loans and portfolio products
  • Manual Jumbo and 2nd HELOCS
  • HARP / HARP
  • Construction to Perm

References

  • Jim Diemer, Underwriting Manager, Mission Federal CU, (619) 908-2328
  • Marisa Calhoun, Corporate lead, IServe, (858) 205-0354
  • Christopher Martinez, U/W Team Lead, American Pacific Mortgage, (480) 203-8852
  • Karen Quint - Underwriter - Loan Depot - (805) 788-8492

Timeline

Account Manager

Clean Med Supply
03.2024 - Current

REMOTE UNDERWRITER

Finance if America
11.2021 - 03.2024

REMOTE UNDERWRITER

Cardinal Financial
08.2020 - 04.2021

REMOTE UNDERWRITER

OneTrust Home Loans
07.2017 - 08.2020

REMOTE UNDERWRITER

American Pacific Mortgage
10.2015 - 02.2017

CORPORATE SR UNDERWRITER

North Island Credit Union
09.2014 - 10.2015

4C UNDERWRITER

Wells Fargo
02.2011 - 10.2014

3C UNDERWRITER (Transferred back to San Diego CA)

Wachovia/Wells Fargo
06.2009 - 02.2011

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