ROBIN POLNASEK
Lake Worth,FL
Summary
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. DE and LAPP Certified.
Overview
30
30
years of professional experience
Work History
Mortgage Underwriter
IDEAL LENDING LLC
10.2023 - 03.2024
- Improved loan approval rates by meticulously reviewing and verifying application documentation.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
Underwriter
IDEAL LENDING, a Division of AMERICAN FINANCIAL NETWORK
05.2019 - 09.2023
- Manage a pipeline with an average of 40-50 files, reviewing DU and LP in compliance with multiple investors for Conventional, FHA and VA guidelines.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Underwriter
US MORTGAGE OF FLORIDA
03.2017 - 05.2019
- Managing a pipeline with an average of 40-50 files, reviewing DU and LP in compliance with multiple investors for Conventional, FHA and VA guidelines
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
Senior Underwriter
AMERICAN FINANCIAL NETWORK
11.2015 - 02.2017
- Managed a pipeline with an average of 40-50 files, reviewing DU and LP in compliance with multiple investors for Conventional, FHA and VA guidelines.
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
- Implemented continuous improvement initiatives in the underwriting department, driving operational excellence across the team.
- Participated in industry conferences and seminars to stay informed about the latest trends, regulatory changes, and best practices in underwriting.
Underwriter II
DIGITAL RISK
07.2013 - 10.2015
- Managing a pipeline with an average of 70 files
- Working as a team to meet the Closing deadlines
- Analyzing Appraisals, Calculating income and verifying assets
- Review CLUES reports or LP
- Handled review of files that were in suspense to ensure that the file had the ability to be approved with supporting documentation and according to product guidelines
- Follow up with title companies, insurance companies, loan officers and processors etc
- Developed and maintained underwriting/customer portfolio consistent with the lender guidelines for credit quality or insurer standard
- Up to date with all FHA and VA guidelines and trainings
- Consistently exceeding target goals of over 40 loan closings per month for Bank of America Client.
Senior Loan Processor/ Implementation Specialist
WCS Lending LLC
02.2013 - 07.2013
- Reviewing conditions when files have been suspended
- Using systematic communication to improve problem solving
- Delegated between underwriters and brokers
- Working as a team to meet the financial goals
- Assigning files, reviewing queue's and conditions for underwriting along with training underwriting in Fusion and Calyx
- Implementation and training manuals for LoanQuest and how to underwrite a file using Calyx, MGIC, Radian, Fraudguard and Fusion
- Analyzing Appraisals, income, assets, and application
- Producing reports on current volume/conditions.
Underwriter FHA/Conventional
K HOVNANIAN MORTGAGE
12.2002 - 07.2008
- Combined position of processor and underwriter
- Developed and maintained underwriting/customer portfolio consistent with the lender guidelines for credit quality and investor or insurer standards
- Selling the banks financial products utilizing business ethics
- Managed a pipeline of 60 loans for California division
- Analyzing Appraisals, income, assets and applications
- FHA/Conventional underwriting to lender specific guidelines
- Handled file from initiation to closing
- Producing reports on current volume/conditions pending.
AVP- Loan Administration Officer
POINTE BANK
03.1999 - 11.2002
- Prepared reports presented to Board of Directors for commercial loan approval
- Processed and underwrote conventional and consumer loans from inception to funding.
Underwriter
ENTRUST HOME FINANCING
01.1994 - 02.1999
- Promoted to Underwriter from a Senior Loan Processor position working with a builder in the Maryland/Virginia area
- Managed a pipeline of 70 files per month
- Processed incoming files for FHA, VA, Conventional and Subprime loans
- Analyzed Appraisal, income and asset documentation.
Education
High School Diploma -
Atlantic High School
Delray Beach, FL05.1983
Skills
- Analyzing data
- Caseload Management
- Risk Mitigation
- Policy renewal
- Quality Assurance
- Underwriting guidelines
- Relationship Building
- Risk Management
References
REFERENCES UPON REQUEST
Timeline
Mortgage Underwriter
IDEAL LENDING LLC
10.2023 - 03.2024
Underwriter
IDEAL LENDING, a Division of AMERICAN FINANCIAL NETWORK
05.2019 - 09.2023
Underwriter
US MORTGAGE OF FLORIDA
03.2017 - 05.2019
Senior Underwriter
AMERICAN FINANCIAL NETWORK
11.2015 - 02.2017
Underwriter II
DIGITAL RISK
07.2013 - 10.2015
Senior Loan Processor/ Implementation Specialist
WCS Lending LLC
02.2013 - 07.2013
Underwriter FHA/Conventional
K HOVNANIAN MORTGAGE
12.2002 - 07.2008
AVP- Loan Administration Officer
POINTE BANK
03.1999 - 11.2002
Underwriter
ENTRUST HOME FINANCING
01.1994 - 02.1999
High School Diploma -
Atlantic High School
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