Robert Crittenden
Jacksonville,FL
Summary
Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels. Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
20
20
years of professional experience
Work History
Appraisal Review and Process Manager
Lender's First Choice
07.2022 - Current
- -Experience reviewing appraisals on all forms utilized by FNMA/FHLMC/FHA, etc. (SFR, condo, multifamily, mobile home, etc.)
- -Strong analytical and decision making/problem solving skills.
- -Possesses a keen eye for accuracy & completeness, attention to detail and ability to handle a high volume work load.
- -Excellent interpersonal, organizational, prioritization and time management skills.
- -Proficient in computers including LOS systems, Microsoft Office and Excel. Ability to adapt/ learn/utilize multiple software programs. Experience with paperless environment preferred.
- -Ability to type/use a keyboard with sufficient speed to meet job demands.
- -Ability to deliver effective results and to meet deadlines with minimal supervision.
- -Self-starter, adapt to a changing environment and have the ability to communicate and work well with AMCs and co-workers.
- -Possess clear, concise and effective written and oral communication skills.
- -Professional demeanor in appearance, interpersonal relations, work ethic and attitude.
- -Required to support and work across all business channels in Underwriting (Retail/CC/Wholesale) as needed.
- -Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- -Achieved cultural shifts and process change through tenacious determination and interpersonal skills.
- -Streamlined and monitored quality programs to alleviate overdue compliance activities.
- -Improved staffing during busy periods by creating employee schedules and monitoring call-outs.
- -Reduced waste and pursued revenue development strategies to keep department aligned with sales and profit targets.
- Managed approximately 30 incoming calls, emails and faxes per day from customers.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Promoted change through positive promotion, benefits demonstration and interactive approach.
- Leveraged data and analytics to make informed decisions and drive business improvements.
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
Sr. High-Risk Appraisal Reviewer Underwriter
Caliber Home Loans
05.2021 - 06.2022
- -Appraisal Underwriter, Government underwrites conventional appraisals in accordance with FNMA, FHLMC, FHA and internal company and investor-specific guidelines. The Appraisal Underwriter, Government: responsible for ensuring high quality appraisals are being delivered and will work back with AMC in obtaining corrections and clarifications as needed.
- -Underwrites Conventional and FHA appraisals for all property types (single, multifamily, etc.) for accuracy and completeness of data and value.
- -Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to review appraisals.
- -Utilizes CU scores from SSR reports to determine the level of review and/or elevation as required by company and pertinent investor along with Mortgage Credit Policy.
- -Exercises sound judgment in evaluating collateral risk
- Communicates in writing to AMCs and internal operations staff, any required corrections and clarifications.
- Maintained strong attention to detail while reviewing numerous documents daily, ensuring consistent quality and accuracy.
Appraisal Review Analyst III
JPMorgan Chase & Co
12.2016 - 05.2021
- Researched and supplied to appraiser alternative sales to ensure comparable similarity regarding quality and condition UAD ratings
- Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, US Patriot Act, Privacy Act and Community Reinvestment Act
- Resolved and provided detail specific written recommendations of all discernible valuation discrepancies through conditioning the appraisal
- Active in facilitating and monitoring the operational flow of appraisal reports though Collateral Management System.
- Devised and implemented processes and procedures to streamline operations.
- Generated reports detailing findings and recommendations.
- Developed effective improvement plans in alignment with goals and specifications.
Residential Staff/Fee Appraiser
Porcelli Appraisals Inc
01.2004 - 11.2016
- -Processed orders by conducting onsite visits and taking photos of external and internal findings to determine value for new construction properties.
- -Prepared reports of single family, multifamily, mobile homes, condos vacant land and improvement projects throughout Northeast Florida to ensure accurate valuation and compliance with bank and external regulations.
- -Completed regular reassessments of every jurisdiction property and removed or updated each listing.
- -Expanded business reach through successful marketing initiatives resulting in an increase in new client acquisitions for the firm.
- -Streamlined appraisal processes for increased efficiency and faster turnaround times by implementing advanced software tools and technology.
- Devised and implemented processes and procedures to streamline operations.
- Maintained strict adherence to industry regulations, ensuring compliance with all relevant laws and guidelines for business operations.
- Optimized customer experience by delivering superior services and effectively troubleshooting issues.
Education
Residential Appraisal Certification - Real Estate Appraisal And Continuing Education
North Florida Real Estate College
Lake City, FL12.2008
Real Estate Appraisal Licensure - Real Estate Appraisal Residential
Florida Real Estate Institute
Orange Park, FL12.2003
Associate of Arts - Real Estate Appraisal Certification
Florida State College At Jacksonville
Jacksonville, FL06.2025
High School Diploma -
Duncan U. Fletcher High School
Neptune Beach, FL06.1999
Skills
- FNMA (5 years)
- MLS (10 years)
- FHA
- Mortgage Loan
- Underwriting
- FNMA
- SAR
- Bank Secrecy Act
- CorelDraw
- Contracts
- TOTAL (10 years)
- Content management systems (10 years)
- WinTotal (10 years)
- A La Mode (10 years)
- Lighthouse (6 years)
- GAAR (5 years)
- ACI Platforms (2 years)
- Real estate appraisal (10 years)
- Valuations (6 years)
- Residential appraisals (10 years)
- Credit Analysis
- Negotiation
- Banking
- Business Development
- Property appraisal (10 years)
- Property tax (6 years)
- USPAP (10 years)
- ROV (5 years)
- Risk Management
- Work Planning and Prioritization
- Employee Coaching and Mentoring
- Operational Excellence
- Quality Assurance
- Application Review
- Professional Judgment
- Policy Interpretation
- Mortgage lending
- Customer Service
- Administration and Reporting
- Schedule Preparation
- Workforce Management
- Schedule oversight
Assessments
- Basic computer skills, Proficient, 07/01/22
- Working with MS Word documents, Proficient, 01/01/23
- Attention to detail, Proficient, 07/01/22
- Sales fit, Proficient, 11/01/22
- Written communication, Proficient, 01/01/23
Timeline
Appraisal Review and Process Manager
Lender's First Choice
07.2022 - Current
Sr. High-Risk Appraisal Reviewer Underwriter
Caliber Home Loans
05.2021 - 06.2022
Appraisal Review Analyst III
JPMorgan Chase & Co
12.2016 - 05.2021
Residential Staff/Fee Appraiser
Porcelli Appraisals Inc
01.2004 - 11.2016
Residential Appraisal Certification - Real Estate Appraisal And Continuing Education
North Florida Real Estate College
Real Estate Appraisal Licensure - Real Estate Appraisal Residential
Florida Real Estate Institute
Associate of Arts - Real Estate Appraisal Certification
Florida State College At Jacksonville
High School Diploma -
Duncan U. Fletcher High School
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