Ronald Ross Email & Phone Number

Sussex, Wi

Analyze non-performing assets in order to determine a proper exit strategy.Evaluate collection history for default reason and lender options to borrower.Review cash flow history for payments, reinstatements and modifications.Underwrite files for due diligence/compliance reviews.

Charlotte, North Carolina Area

Underwrote conventional mortgage loans for purchase and refinance purposes. . Determined income from paystubs, W-2s and complex tax returns, inclusive of self-employment, rental properties and interest income. Calculated assets required for transaction and determined documentation necessary for approval.Thoroughly reviewed appraisal report for accuracy and utilized AVM/BPO for collateral value support. Determined loan approval/denial and provided counter-offer when available.

Sussex, Wi

Analyzed non-performing assets in order to determine a proper exit strategy.Evaluated collection history for default reason and lender options to borrower.Reviewed cash flow history for payments, reinstatements and modifications.

Charlotte, North Carolina Area

Verified occupancy status of properties at time of census through comunication with residents and by utilizing various search engines and/or real estate agents.Provided detailed reports on findings to US Census Bureau.Assisted team lead by providing support for critical need areas.

Mclean, Va

National City Mortgage 4/2009-8/2009Underwrote conventional, government bond and second mortgage loans for purchase and refinance purposes. Reviewed a minimum of 5 files daily, using AUS and manual methods. Analyzed credit report for accuracy of stated debt and assessed inquiries for undisclosed debt. Reviewed OFAC and Fraud alerts for impact on loan approval. Determined income from paystubs, W-2s and complex tax returns, inclusive of self-employment, rental properties and interest income. Calculated assets required for transaction and determined documentation necessary for approval.Thoroughly reviewed appraisal report for accuracy and utilized AVM/BPO for collateral value support. Determined loan approval/denial and provided counter-offer when available. Communicated with loan officers regarding status/pending conditions and provided technical support as needed. Various Lenders (SunTrust, National City, Franklin Mtg, Wells Fargo) 2002-2004 Examined legal documents for accuracy and determined corrective action for errors.Reviewed endorsement/assignment chains for continuance and requested documentation necessary to correct breaks. Utilized underwriting skills in due diligence/compliance reviews for investor loan sales. Files were manually underwritten to specific investor guidelines and included assessment of income, assets, credit report, ratios and all supporting documentation.

Sussex, Wi

Aurora Loan Services Underwrote 5-10 loans daily in a wholesale environment using both AUS and manual guidelines. Communicated with brokers on status and reviewed files for approval conditions. Tested ALS custom TMO system by underwriting loans and verifying system accuracy. Provided management with written feedback and recommendations for system enhancements. Various Lenders (HSBC, Wells Fargo, Aurora, Radian, MGIC, PMI, Fifth Third Bank) Reviewed legal documents and endorsement/assignment chains for agency securitizations. Obtained working knowledge of CEMA and Co-op documentation required for agency loan sales. Assisted in the delivery of custodial files to FNMA/FHLMC and researched documentation needed for curing custodial issues. Performed due diligence underwriting for various loan sales, inclusive of FHA, VA, FNMA, FHLMC and private investor products.

Milwaukee, Wi

Performed post-closing quality control reviews, which included the complete unerwriting of the file and re-verification of employment and assets.Evaluated debt ratio, loan-to-value ratio, credit score, property value and other relevant factors.Provided written recommendations for loan repurchase or loan cure.

Double Oak, Tx

Various Lenders (PMI, Bank One, Triad, Wells Fargo) Underwrote jumbo and conforming conventional loans in both retail and wholesale environments. Served as resource for loan consultants and customers in determining appropriate loan programs. Provided underwriting services for mortgage insurance companies on site and obtained delegated lending authority of $1 million.

Walnut Creek, Ca

Performed on-site front line underwriting of jumbo and conforming loans in a retail environment using both AUS and manual skills. Obtained $1 million loan authority.