Summary
Overview
Work History
Education
Skills
Timeline
Generic

Robert W. Gregovich

St. Petersburg,FL

Summary

I have 10+ Years of combined consumer & mortgage processing and underwriting experience. I am able to accurately identify loan programs and the corresponding guidelines. Able to suggest an appropriate a counteroffer to the client or loan officer if needed. Experienced with government and conventional loans as well as QM, Non-QM and investor loans. Able to accurately calculate LTV/CLTV, DTI, income, assets. Able to review credit reports, title and appraisals for accuracy and any potential red flags. Extensive AUS experience. 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

10
10
years of professional experience

Work History

Underwriter, reviewer

Situs AMC
02.2018 - 01.2022
  • Review loan files for completeness and accuracy including but not limited to, calculation and verification of income & assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, VOE, tax returns, divorce decrees, and other loan pertinent compliance documentation
  • Evaluate debt & loan-to-value ratios, credit score, property valuation and various other factors
  • Determine and document loan conditions, communicate requirements, and/or decisions
  • Identify portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure
  • Maintain knowledge of all applicable agency and non-agency underwriting guidelines
  • Exhibit working knowledge of AUS to determine applicable loan conditions
  • Such other activities as may be assigned by management

Mortgage Loan Processor

GTE Financial
07.2014 - 11.2017
  • Review income/asset calculation and documentation review
  • Review LTV/CLTV program compliance
  • Review title commitment to ensure compliance with loan objectives
  • Partner with loan officer to ensure timely and accurate processing of
  • Member’s loan file
  • Review of AUS findings and credit reports
  • Responsible for full file review for completeness and adherence to GTE corporate guidelines and policies

Mortgage Loan Processor

John R. Sallee dba Acrobat
05.2013 - 07.2014
  • Responsible for:
  • Processing FHA and Conventional loans
  • Full file review and submission
  • DU process of files where applicable
  • Compliance monitoring of loan files
  • Income and asset review

Home Services Specialist II

Bank of America
07.2012 - 04.2013
  • Review income/asset calculation and documentation review
  • Review LTV/CLTV program compliance
  • Review title to ensure adherence to Bank of America guidelines
  • Partner with MLO to ensure timely and accurate processing of borrower’s loan file
  • Identify and report red flags to aid in minimizing risk to bank
  • Review of AUS findings and credit reports
  • Responsible for full file review for completeness and adherence to corporate guidelines and policies.

Education

Advanced Loan Processing, Underwriting the self- employed borrower, FHA & VA Loan -

24 Hour Florida Mortgage Broker Licensing Course Cooke Real Estate Appraiser Course MBA - undefined

Bob Hogue School of Real Estate
08.2010

Non-degree - undefined

University of Akron
1986

Skills

  • Email Communication
  • Business Writing
  • Descriptive Analysis
  • Critical Analyses

Timeline

Underwriter, reviewer

Situs AMC
02.2018 - 01.2022

Mortgage Loan Processor

GTE Financial
07.2014 - 11.2017

Mortgage Loan Processor

John R. Sallee dba Acrobat
05.2013 - 07.2014

Home Services Specialist II

Bank of America
07.2012 - 04.2013

Advanced Loan Processing, Underwriting the self- employed borrower, FHA & VA Loan -

24 Hour Florida Mortgage Broker Licensing Course Cooke Real Estate Appraiser Course MBA - undefined

Bob Hogue School of Real Estate

Non-degree - undefined

University of Akron
Robert W. Gregovich