Bobby Krieger Email & Phone Number

Verification and analysis of Retail mortgage originations, with respect to income, specific product and program guidelines, debt-to-income ratio, creditworthiness, collateral, and credit depth. Presently my work load has involved substantial experience with HARP products including HARP DU Manual and HASP DU Refi Plus products, along with conventional mortgage products. Recently I have taken courses involving case studies to obtain DE certification for FHA originations, as well.

Costa Mesa, Ca

Review of all mortgage originations within the WF wholesale mortgage division, with underwriting review specific to credit, income, documentary and asset analysis of conforming and high balance conforming and non-conforming assets within the origination portfolio. Duties include verification of underwriting practices to assure correct income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, Schedule C, D, & E and other non-traditional… Show more Review of all mortgage originations within the WF wholesale mortgage division, with underwriting review specific to credit, income, documentary and asset analysis of conforming and high balance conforming and non-conforming assets within the origination portfolio. Duties include verification of underwriting practices to assure correct income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, Schedule C, D, & E and other non-traditional income types.Analysis includes both owner-occupied and some types of non owner occupied properties. Other duties include fraud analysis, appraisal review, title review, and other issues relating to mortgage lending due diligence, in compliance with investor and internal guidelines Show less

Audit of compliance with both in-house originated asset underwriting and GSE investor guidelines specific to credit, income, documentary and asset analysis of conforming and high balance conforming and non-conforming assets within the servicing portfolio. Duties include audit of Loss Mitigation underwriting practices to assure compliance with income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, and other income types.Analysis includes… Show more Audit of compliance with both in-house originated asset underwriting and GSE investor guidelines specific to credit, income, documentary and asset analysis of conforming and high balance conforming and non-conforming assets within the servicing portfolio. Duties include audit of Loss Mitigation underwriting practices to assure compliance with income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, and other income types.Analysis includes in house, HAMP, GSE, and USDA BAU modifications relating to both owner-occupied and non-owner occupied properties. Other duties include fraud analysis, appraisal review, title review, and other issues relating to mortgage lending due diligence, in compliance with investor and internal guidelines. Other duty tasks included verification of underwriting practices to assure correct income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, Schedule C, D, & E and other non-traditional income types. Show less

Review of all mortgage originations within the WF wholesale mortgage division, with underwriting review specific to credit, income, documentary and asset analysis of conforming and high balance conforming and non-conforming assets within the origination portfolio. Duties include verification of underwriting practices to assure correct income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, Schedule C, D, & E and other non-traditional… Show more Review of all mortgage originations within the WF wholesale mortgage division, with underwriting review specific to credit, income, documentary and asset analysis of conforming and high balance conforming and non-conforming assets within the origination portfolio. Duties include verification of underwriting practices to assure correct income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, Schedule C, D, & E and other non-traditional income types.Analysis includes both owner-occupied and some types of non owner occupied properties. Other duties include fraud analysis, appraisal review, title review, and other issues relating to mortgage lending due diligence, in compliance with investor and internal guidelines. Show less

Repurchase/Quality Assurance Audit of compliance with both in-house originated asset underwriting and GSE investor guidelines specific to credit, income, documentary and asset analysis of conforming and high balance conforming and non-conforming assets within the servicing portfolio. Duties include audit of Loss Mitigation underwriting practices to assure compliance with income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, and… Show more Repurchase/Quality Assurance Audit of compliance with both in-house originated asset underwriting and GSE investor guidelines specific to credit, income, documentary and asset analysis of conforming and high balance conforming and non-conforming assets within the servicing portfolio. Duties include audit of Loss Mitigation underwriting practices to assure compliance with income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, and other income types.Analysis includes in house, HAMP, GSE, and USDA BAU modifications relating to both owner-occupied and non-owner occupied properties. Other duties include fraud analysis, appraisal review, title review, and other issues relating to mortgage lending due diligence, in compliance with investor and internal guidelines. Other duty tasks included verification of underwriting practices to assure correct income computations, including tax returns/schedules, self-employed borrower income with P&L analysis, Schedule C, D, & E and other non-traditional income types.I also performed forensic underwriting analysis for repurchase requests from GSE and private investors. Worked within the family insurance business from 7/2005 to 10/2010. Show less

Analysis of residential and farm secured mortgage loans in active bankruptcy. Additional modification/loss mitigation underwriting experience.

Audit for loans of closed loan packages to be included in Mortgage Backed Securities pools. I maintained oversight of compliance issues including governmental, predatory lending issues, legal documentation deficiencies, broker contract review, and resolution of day to day problems as they presented themselves. I also audited to the originator and investor specific guidelines. I supervised staff of 6 underwriters in the Capital Markets Division, with additional contractors as needed. I also… Show more Audit for loans of closed loan packages to be included in Mortgage Backed Securities pools. I maintained oversight of compliance issues including governmental, predatory lending issues, legal documentation deficiencies, broker contract review, and resolution of day to day problems as they presented themselves. I also audited to the originator and investor specific guidelines. I supervised staff of 6 underwriters in the Capital Markets Division, with additional contractors as needed. I also initiated and adopted a standardized manual for the newly formed division, and assisted in appraisal review for Hansen Quality appraisal services division. Show less

Analysis and audit for closed wholesale loans contained in pools for of mortgage backed securities. Investor compliance audit issues included governmental specific issues relevant to predatory lending regulations in specified markets, issues including documentary deficiencies, appraisal deficiencies/irregularity, and non-adherence to lender specific guidelines and product matrices.

Yes, Business Law/Paralegal Accreditation

Business Litigation

American Bar Association accredited Paralegal

Business Administration