Robert Hunt
Mansfield,Massachusetts
Summary
Senior underwriter with proven expertise in risk control and enhancing business profitability. Demonstrated success in collaborating with agents to achieve marketing and sales goals. Committed to leveraging extensive experience in a challenging role that offers opportunities for growth.
Overview
14
14
years of professional experience
Work History
Senior Underwriter Credit Risk Analyst Home Equity / Mortgage
Citizens Bank
Johnston, RI
12.2026 - Current
- Independently analyzed, evaluated and placed decisions on home equity lines of credit up to $400K
- Reviewed 20-30 home equity loan applications daily via Empower, ensuring compliance with underwriting standards
- Maintained meticulous attention to detail in underwriting mortgages, evaluated the financial strength of borrowers to determine risk and repayment
- Solely analyzed all necessary mortgage documents to get applications to book
- Calculated monthly income from various sources including IRA, social security, paystubs, W-2's, 1099's, personal/business tax returns, mortgage statements, and closing disclosures to assess borrower financial strength
- Evaluated applications to propose tailored counteroffers for customers not meeting minimum criteria, enhancing customer satisfaction and retention
- Ensured policy and regulatory guidelines are adhered to
Senior Underwriter Credit Risk Analyst Auto, Credit Cards & Lines of Credit
Rockland Federal Credit Union
Canton, MA
07.2025 - 12.2025
- Reviewed 40-50 auto, personal, and credit card loan applications daily to ensure compliance with underwriting standards
- Meticulously reviewed credit reports and income documents for high-volume loan decisioning
- Analyzed credit reports and credit application data while adhering with policies, procedures and regulatory requirements
- Verified accuracy of credit applications to mitigate fraud risks, collaborating with management and fraud prevention teams for thorough assessments
- Manually calculated income to ensure correct debt-to-income
- Communicated with business development officers, dealers, customers, funding and management to ensure an efficient process
- Responded and resolved loan inquiries promptly and ensured requests were handled competently
- Generated adverse action letters to uphold regulatory compliance and protect organizational integrity
Senior Underwriter Credit Risk Analyst Personal Loans and Lines of Credit
Santander Bank
East Providence, RI
05.2022 - 07.2025
- Independently analyzed, evaluated and placed decisions on personal lines of credit up to $75K
- Proven track record of accurate risk assessment, policy compliance and high-volume loan decisioning
- Thoroughly reviewed/worked 25-35 personal loan application daily via FICO
- Met and exceeded all quality and production goals set by management
- Reviewed applications to identify optimal counteroffers for customers not meeting minimum criteria
- Communicated with customers, loan processors, and management to streamline process efficiency
- Strong communicator and team leader with a eye for detail and commitment to operational excellence
- Trained new Santander underwriters, ensuring readiness to meet business demands through additional support
- Remained informed on all changes to policy and procedure
Senior Underwriter Credit Risk Analyst Home Equity / Mortgage
Santander Bank
Boston, MA
03.2012 - 05.2022
- Independently analyzed, evaluated and placed decisions on home equity lines of credit up to $1 million via Empower
- Maintained meticulous attention to detail in underwriting mortgages, evaluated the financial strength of borrowers to determine risk and repayment
- Analyzed mortgage documents to facilitate application booking process
- Reviewed applications to identify optimal counteroffers for customers not meeting minimum criteria
- Ensured policy and regulatory guidelines are adhered to
- Trained new Santander underwriters on underwriting processes and best practices
Education
Bachelor of Arts - Communications
Rhode Island College
Providence, RI01-2006
Skills
- Loan underwriting
- Credit analysis
- Loan decisioning
- Creditworthiness assessment
- Income calculation
- Client engagement
- Regulatory compliance
- Compliance review
- Risk assessment
- Financial evaluation
- Quality assurance
- Managing risk
- Attention to detail
- Problem solving
- Team leadership
- Risk mitigation
- Policy adherence
- Underwriting calculations
Timeline
Senior Underwriter Credit Risk Analyst Home Equity / Mortgage
Citizens Bank
12.2026 - Current
Senior Underwriter Credit Risk Analyst Auto, Credit Cards & Lines of Credit
Rockland Federal Credit Union
07.2025 - 12.2025
Senior Underwriter Credit Risk Analyst Personal Loans and Lines of Credit
Santander Bank
05.2022 - 07.2025
Senior Underwriter Credit Risk Analyst Home Equity / Mortgage
Santander Bank
03.2012 - 05.2022
Bachelor of Arts - Communications
Rhode Island College