Ray Roach Email & Phone Number

Nashville, Tennessee, United States

Nashville, Tennessee, United States

• Conventional AUS/DU/LP Loan Underwriter• Convention Construction to Permanent Underwriter• USDA/GUS Underwriter • Ability to make sound decisions in a timely manner to meet business needs. • Analyzing potential borrower’s risk on mortgage refinance and purchase transactions by calculating and evaluating income, assets, credit , and loan applications in association with ability to repay debt• Reviewing appraisal to verify property value, negative/positive market trend, possible cost to cure where repairs are needed, and the validity of information in the report

Greater Nashville Area, Tn

• Top 5 % of production for Regions underwriting centers in 16 state foot print• Top percentile of quality for loans file in 2009 to present• Assisting management in development of new conventional loan underwriting associate training• Lead Underwriter in the Construction to Permanent/Renovation 1X Close mortgage underwriting group for Regions• Member of mortgage design team to assist in the implementation of new paperless underwriting system• Analyzing personal and business tax returns, financial statements, and audited/unaudited P&L statements• Analyzing potential borrower’s risk on mortgage refinance and purchase transactions by calculating and evaluating income, assets, credit , and loan applications in association with ability to repay debt• Reviewing appraisal to verify property value, negative/positive market trend, possible cost to cure where repairs are needed, and the validity of information in the report

Phoenix, Arizona Area

• Consistently in top 3% of production for all underwriter centers nationwide.• Perfect Quality Underwriting in 2004,2005,2006, 2007, and 2008• Member of Risk Management Auditing group in Chandler AZ Underwriting Center• Assisted Senior Management in transition to Central Fulfillment Underwriting model• Assisted in processes to eliminate quality and risk issues within underwriter center• Analyzed potential borrower’s risk on mortgage refinance and purchase transactions by calculating and evaluating income, assets, credit , and loan applications in association with ability to repay debt• Reviewed title report to verify property vesting, ownership, taxes, and any mortgages or liens associated with the property• Reviewed appraisal to verify property value, negative/positive market trend, possible cost to cure where repairs are needed, and the validity of information in the report