Robert Koval Email & Phone Number

Connecticut

• Underwriter for: FHA, conventional and Connecticut Housing Finance Authority mortgage loans ranging in size from $50 K to $647.2 K. Selected to work with a designated group of Underwriters on manually underwritten.
• Experience working in a hybrid role, both as an in office and remote Underwriter.
• Responsible for reviewing credit, income and asset profiles of the borrower(s).
• Restructured loans which did not… Show more Underwriter for: FHA, conventional and Connecticut Housing Finance Authority mortgage loans ranging in size from $50 K to $647.2 K. Selected to work with a designated group.
• Restructured loans which did not qualify.
• Calculated complex self-employed income on S Corporations, Partnerships and Corporations.

Danbury, CT

-Off-site Underwriter for LenderLive, contracted underwriting provider for New York Community Bank.-Underwrote and cleared conditions on primary residence, second home and investment properties. -Assisted with implementing the underwriting policies of New York Community Bank.-Restructured loans which did not qualify.-Communicated with the sales staff and.

Rocky Hill, CT

-Assisted with implementing the underwriting practices of Nationstar Mortgage to ISGN.-Mentored fellow team members in underwriting for Nationstar Mortgage.-Underwriter of mortgages for multiple clients.-Underwrote and cleared conditions on primary residence, second homes and investment properties.-Restructured loans which did not qualify.-Assisted in the.

Waterbury, CT

-Developed underwriting creativity and ability to restructure denied loans into counteroffers and approvable loans.-Cleared conditions on high profile and complex files.-Mentored Credit Analyst (Junior Underwriters) as they learned skills necessary to further develop themselves as underwriters. -Resolved issues escalated by Credit Analyst to decision loans.

Milford, CT

-Granted authority to make credit and collateral decisions on home equity, conforming and non-conforming (Jumbo) programs.-Prepared the disclosures packages in accordance with government compliance regulations to eliminate regulatory penalties in the loan process.-Underwrote Credit, appraisal, income and asset documents.-Prepared closing and post-closing.