Travis Martin
Rock Hill,SC
Summary
Skilled Underwriter/Manager specializing in Loss Mitigation and Conventional Underwriting, offering more than 19 years of experience to growing organizations. Highly adept in underwriting moderate to complex loans.
Overview
20
20
years of professional experience
Work History
Underwriter
RoundPoint Mortgage Company / Freedom Mortgage
Fort Mill, SC
03.2016 - 02.2022
- Calculated group and individual renewal rates based on customers background, industry and demographic information.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Monitored pipelines to track and log status of loans.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Checked personal and team calculations to validate information and underwriting decisions.
Education
No Degree - History And Education
Florida Atlantic University
Boca Raton, FL05.1991
Associate of Arts - Education
Palm Beach State College
Lake Worth, FL05.1989
Skills
- Client Advisory
- Report Preparation and Presentation
- Analytical Thinking
- Debt Restructuring and Refinancing
- Problem Solving
- Chart and Graph Preparation
- Data Interpretation
- Spreadsheet Tracking
- Verbal and Written Communication
- Performance Analysis
- Microsoft Office
- Mathematical calculations
- Key Performance Indicators
- Verbal and written communication
Timeline
Underwriter
RoundPoint Mortgage Company / Freedom Mortgage
03.2016 - 02.2022
No Degree - History And Education
Florida Atlantic University
Associate of Arts - Education
Palm Beach State College
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