Keith Robillard Email & Phone Number

Turner, Me, Us

Remote

•Manage Credit Review team, specializing in risk assessment and underwriting quality.•Analyze review results to identify risk trends and control weaknesses.•Organize and report data to the business line, credit risk partners and senior bank management.•Provide recommendations for improved controls to lower risk level and improve underwriting quality.

•Specialized in underwriting jumbo residential mortgage loans from over $750,000 up to $4,000,000.•Had the highest signing authority of any underwriter in Wachovia’s largest portfolio mortgage underwriting center.•Assisted junior underwriters with complex and challenging loan applications.•Performed detailed risk analysis through examination of credit reports, financial statements, property appraisal, and income documentation, including personal and business tax returns. •Developed and maintained external relationships with consumers, mortgage brokers, and attorneys as well as internal relationships with senior management, loan originators, loan processors, and appraisers.•Ensured compliance with all applicable federal and state laws and regulations, and with company standards and guidelines.•Reviewed and approved or declined requested exceptions to standard underwriting guidelines.

•Supervised underwriting quality for a team of 4 underwriters.•Performed credit analysis for an extremely high volume of mortgage applications.•Assisted mortgage brokers and loan officers with guideline, scenario, pricing, and product inquiries.•Assisted mortgage brokers and loan officers with mortgage application packaging to facilitate quick underwriting decisions.

•Interviewed, hired, and trained new processing staff and assisted in training new underwriters.•Increased processing staff by 200%.•Created product training classes.•Developed worksheets and checklists to ensure that new processors would meet the high quality standards expected by senior management.•Taught training classes on general computer skills and new processing software for all origination, processing, and underwriting staff in region.

•Underwrote mortgage loans, including thorough credit, income, asset, and property appraisal analysis.•Supervised 2 processors.

•Processed and closed mortgage applications for 5 loan officers.•Worked with consumers, mortgage brokers, closing agents and attorneys to obtain necessary paperwork and documentation required for loan closing.

•Originated mortgage loans.•Developed and maintained relationships with clients, and real estate agents, and attorneys.•Prepared and delivered presentations to groups of real estate agents.•Prepared flyers and other promotional material.