ROBERT GLEASON
Mortgage Specialist
Cheshire,CT
Summary
Established professional with over twenty years of experience in sales, finance, management and customer service. Team player with an ability to build and manage an extensive network of business relationships.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Senior Underwriter
Angel Oak Home Loans
Atlanta, GA
05.2020 - Current
- Make lending decisions on NON-Qualified Mortgage purchase and refinance applications.
- Review tax returns, bank statements and debt service ratios depending on program request and make recommendations based on overall quality of application.
- Provide assistance to Brokers, Account Executives, Closing and Management helping with education, program changes, recommendations and declining of current requests.
- Oversee quality control of tax credit financial models involving underwriting integrity and project budgets
- Perform and analyze stress tests on financial models by evaluating impact of rising interest rates and other market trends affecting venture feasibility
Senior Underwriter
Quorum Federal Credit Union
Purchase, NY
03.2018 - 05.2020
- Underwrote second mortgages, lines of credit and bond programs.
- Reviewed primarily self-employed borrowers.
- Controlled loss by assessing risk, conducting file analysis and recommending lending program.
- Reviewed complete file for title, income, credit, collateral and insurance coverage to determine risk and potential fraud.
- Provided high level of underwriting to help with review, classification and rating of applications
Senior Underwriter
Newtown Savings Bank
Newtown, CT
02.2017 - 03.2018
- Daily focus was on review of construction, portfolio and agency/mortgage requests.
- Analyzed and evaluated all aspects of borrower’s credit, employment/income and asset profile.
- Coordinated and worked with Loan Processors and Loan Officers to ensure files were accurate and all necessary documentation was obtained.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards
Mortgage Underwriter
Guaranteed Rate
Chicago, IL
08.2016 - 01.2017
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Checked personal and team calculations to validate information and underwriting decisions
Private Banking
New Oak Capitol
Danbury, CT
12.2014 - 07.2016
- Analyzed Jumbo and Super Jumbo transactions of up to ten million dollars with proficiency in income and asset review of high net worth and high collateral borrowers
- Created lending guidelines and pricing matrices tailored to strength of hedge fund and goal of department.
- Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on lending activities.
- Partnered with high net worth customers and private bankers to answer complex questions and solve operational issues while delivering superior customer service
- Maintained confidentiality of private banking information with discretion, diplomacy and professionalism
- Completed e-learning plan and bank secrecy act training and maintained up-to-date banking knowledge
Underwrting Manager
Bank Of America
Farmington, CT
02.2012 - 12.2014
- Managed department of twelve underwriters with focus on high value loan programs, ensuring daily underwriting goals were attained and exceeded.
- Conducted ongoing classes instructing employees in proper review of business income/tax returns, cash flow, assets, credit, appraisal review and all facets of credit review and risk.
- Audited underwriting decisions daily, completed quarterly employee performance reviews and conducted weekly audits for adherence to company set underwriting guidelines.
- Interviewed, hired and trained new underwriters
- Prepared variety of different written communications, reports and documents
- Offered friendly and efficient service to customers, handled challenging situations with ease
- Led projects and analyzed data to identify opportunities for improvement
Senior Underwriter
Bank Of America
Norwalk, CT
03.2007 - 11.2012
- Underwrote banks most challenging loan requests. Analyzed small businesses and assessed risk.
- Performed financial analysis including tax returns, worked with banks High Value Clients, negotiated mortgage terms, conditions and closing costs.
- Reviewed investment portfolios, trusts, leaseholds, title and vesting.
Education
No Degree - Computer And Information Sciences
Porter And Chester Institute - Enfield
Enfield, CT03.1998
No Degree - Radio And Television Broadcasting
Connecticut School of Broadcasting
Wellesley Hills, MA02.1991
High School Diploma -
Blackstone Valley Regional Vocational Technical High School
Upton, MA06.1985
Skills
- Underwriting and Adjustment
- Conducting Risk Assessments
- Policy Recommendation
- Fraud Detection Techniques
- Government Lending
- Analysis and Evaluation
- Collateral Valuation
- Loan Portfolio Management
- Complex Calculations
- Credit Application Review
Certification
NMLS #370438
Timeline
Senior Underwriter
Angel Oak Home Loans
05.2020 - Current
Senior Underwriter
Quorum Federal Credit Union
03.2018 - 05.2020
Senior Underwriter
Newtown Savings Bank
02.2017 - 03.2018
Mortgage Underwriter
Guaranteed Rate
08.2016 - 01.2017
Private Banking
New Oak Capitol
12.2014 - 07.2016
Underwrting Manager
Bank Of America
02.2012 - 12.2014
Senior Underwriter
Bank Of America
03.2007 - 11.2012
No Degree - Computer And Information Sciences
Porter And Chester Institute - Enfield
No Degree - Radio And Television Broadcasting
Connecticut School of Broadcasting
High School Diploma -
Blackstone Valley Regional Vocational Technical High School