Marland Roberts Email and Phone Number

Provided forensic fraud audit on mortgage portfolio for a regional bank in New England. Reviewed loan files for adherence to standard credit underwriting criteria. Identified fraud issues and researched problem using Lexus Nexus and Accurant. Verified borrowers stated information at application. Information pertaining to fraud issues were reported directly to the Office Of Thrift Supervision. Provide property preservation services to include; securing vacant property, winterizing, indicating needed repairs, lawn maintenance. Remodeling and rehab for residential homes using licensed contractors. 2004-2005 Transaction Manager The Bohan Group Perform in-depth loan review and analysis on various mortgage products including: Prime, Subprime and Heloc. Direct audit staff in functions with regard to quality and production. Compile daily findings reports and provided necessary information to client in a timely manner. Review all loans that are not in compliance with sellers guidelines. Make decision to accept defective loans or to allow exceptions. Travel extensively to client locations to review portfolio.

Parent company for:Financial ForensicsForesecure, LTDSpectrum Tax

Authored and edited new loan programs and changes to existing programs. Reviewed all loans submitted to close in the name of a Trust to determine if all bank and investor requirements were satisfied. Negotiated credit requirements and underwriting standards with investors to include Fannie Mae, RFC, Wells Fargo and other agencies. Facilitated investor audits, addressing areas of concern and providing clarification of underwriting philosophy as needed.

Supervise all underwriting staff within Eastern Region, consisting of 12 wholesale branches employing a total of 27 staff underwriters 23 junior staff underwriter and 23 contract underwriters. Provided clarification and corporate philosophy to underwriting staff regarding guidelines and requirements of specific investors, FHA, VA and Fannie Mae. Reviewed test cases and made recommendations to; Credit Risk as to an underwriters knowledge of FHA and VA underwriting standards and guidelines which resulted granting or declining DE and VA Lapp designations. Traveled to each branch at least one per quarter or as needed to address issues pertaining to risk management or underwriting.

Directly responsible for all day to day underwriting operations for southeastern region. . Supervised a staff of 12 vice presidents and 14 assistant vice presidents to maintain above average performance to end users. Assisted in training underwriters regarding new products and programs. Managed departmental budget and operations cost. Monitored individual office underwriting performance and adherence to investor guidelines.

Instrumental in the development, hiring of staff, and creating process flows to repair or renegotiate credit standards with investors to allow the sell or issuance of insurance for numerous closed and funded loans. Provided training and guidance to staff regarding underwriting practices and guidelines to allow resolution of the identified deficiencies on individual loans. Staff consisted of 28 entry-level associates, many of whom have become mortgage underwriters due to the training received during my tenure. At inception of this department, approximately 3000 loans were unsaleable to the intended investors and 2500 Government loans were rejected by FHA or VA for insurance. Within 9 months, 340 loans remained unsaleable and 239 loans remained uninsurable. The loan deficiencies were corrected by obtaining additional documentation from the borrower or by negotiating credit policies with the intended investor, substantiating the actual level of risk involved. Defaulted loans were reviewed to identify solutions to the delinquency. Borrowers that are credit worthy were offered a proposed refinance to bring current. If borrowers credit is poor, a work out plan would be formulized. This typically consisted of extending the original term of the loan capturing all delinquent amounts and fees. This was similar to a refi, but no underwriting is performed.

of one of the largest privately owned mortgage companies in the United States. Charged with completely restructuring underwriting division of regional fulfillment center. Reorganization consisted of changing process flow, hiring and training new staff. Implemented procedures to streamline underwriting process. Responsible for overseeing entire underwriting staff and support personnel. Staff included 14 senior underwriters, 14 assistant underwriters and multiple support employees. Total employees under direct management totaled 75. Responsible for managing underwriting process to ensure timely responses to customers. This department received approximately 200 new loan submissions daily and was governed by a service level agreement of 24 hour turn time. First point of contact for IT department during the implementation of new software platform. Initiated the process to improve overall risk management and adherence to investor guidelines. Provided guidance to underwriters regarding guideline interpretation. Obtained new client which originated well over 1500 FHA streamlines monthly. Negotiated agreement to do business with company which guaranteed 200 streamlines monthly producing $60,000 fee income respectively. Directly corresponded with investors including FHLMC and HUD regarding various issues. Mentored senior and junior underwriters with regard to audit findings and general underwriting policies and procedures.

Directly responsible for the oversight of all underwriters within region consisting of 8 loan service centers located in various states, totaling 45 staff underwriters and 12 contract underwriters. Assigned loan approval authority to underwriters and monitored individual performance. Coached and mentored employees when areas of concern were identified. Empowered to grant exceptions to bank guidelines such as LTV, documentation, loan amounts etc. Countersigned all fair lending declinations and second signed loan amounts over the individual underwriters authority. Personal signing authority was 3 million with 6 million maximum aggregate. Provided training to service center staff on various topics and personally visited each assigned center on a regular basis. All employees within assigned service centers with loan approval authority were supervised and mentored on any issues pertaining to risk management and underwriting including center manager, who are all Vice President level associates. Discussed scenarios and issues related to underwriting with staff and managers, including sales associates and regional sales managers. Facilitated weekly conference calls with assigned centers to discuss changes to policy and to clarify any areas of concern.

Reviewed loans to target issues that perpetuated delinquency. Restructured loans to allow collection of delinquent amounts. Identified possible refinance opportunities. Worked with collection staff to assist in receiving payment of delinquent amounts from borrowers.